davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I made a timely online banking payment to my XXXX XXXX Citi Visa card ( Citi ) in the amount of {$1000.00}. On XX/XX/XXXX I noticed late fees for non-payment on my statement and I started to investigate. I checked my bank, XXXX, online banking records and verified my payment was made and sent before the deadline. I called Citi and explained that the payment was made and that I would provide confirmation. I printed my confirmation and mailed it to Citi and thought it would be resolved ; however, Citi sent me a letter several weeks later and said they never received the proof. They advised me then to fax the proof to them, My bank, XXXX, faxed them the proof. After my bank faxed the proof, two weeks later, Citi sent me a letter stating they never received the proof ; however, in the meantime, I received a letter in the mail from Citi stating they received the payment but it had an incorrect account number on it so they sent it back to my bank. Citi did not provide their " return '' of fund tracking information and the funds never showed up in my bank account. I called Citi and asked for their tracking information, return of my payment, and they could not provide. I then went to my XXXX XXXX branch and met with the branch manager who called Citibank. The Citi representative advised him to, again, fax the proof, which he did. Five days later my bank branch manager followed up with Citi and they again said they did not receive proof. Branch manager faxed again. I then receive a letter from Citi stating that they are unable to locate the money ( even though they previously admitted they received it but returned it to my XXXX banking account.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I continue to get statements from spirit credit card which FAIL TO BREAK OUT BALANCE TRANSFER. So I get a demand for payment but it does not say, this portion you will owe on XX/XX/XXXX or it will suddenly jump up from XXXX percent interest to 18.9 % .. 
THIS PORTION YOU OWE FOR CURRENT CHARGES. As an elderly person I believe this is confusing and needs clarification. And if it takes some regulations promulgated by your department to get it done so be it. 
When I called on XXXX/XXXX/XXXX to ask a Spirit representative how much is in the balance transfer suspense, she suddenly said I owe {$4000.00} when i have been receiving monthly statements for less than 1/2 of that amount as a total amount due and I never transferred more than {$2000.00}. 
then I asked her specifically what amount do I have in a suspended balance transfer account that she said is due XXXX XXXX. When she started reading me a cue card about the rate, I POLITELY asked for a supervisor. Having supervised a nationwide credit agency I know most of the tricks if they get mad or you happen to ask for a supervisor. Well the young woman said she would put a supervisor on the telephone. Instead, my phone began to loudly ring, like a phone ringing. It continued for several minutes without anyone answering the phone and of course after ten minutes or so I realized that no one was going to answer a reverse phone ring. 
So I have a XXXX part complaint. 1st, failure to divide the billing between current and suspended balance transfer, so I know how much I need to pay and when I need to pay it. It should come in monthly on my statement. And attempts to find out should not result in the " treatment. '' 2. Fraud on the part of the creditor when asking politely to speak to a manager, I got the " treatment. '' I would like CFPB to require Spirit to provide the letters they send out which should be on the monthly statement highlighting the balance transfer information a consumer receives. 
Next I would like the CFPB to review the SOP Next I would like the CFPB to review the recordings that Spirit claims its representatives are taping when on a call to myself, to see how often the call results in the " treatment. '' As former XXXX XXXX XXXX for XXXX XXXX, XXXX Texas I can tell you I personally witnessed and overheard people who the collector did not want to talk to get an extension rattled loudly in a trash can. Was I disturbed by it. Yes, yes I was. 
While Spirit ; s response is tamer, it is unacceptable. The woman merely needed to tell me that I had XXXX in suspense transfer account that had to be paid on or before a date certain in XX/XX/XXXX. She failed and refused to do so. 
Perhaps your department can remind this credit provider that it can do better. 
Thank you for your cooperation.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX, and Equifax are currently reporting negative information as a violation to federal laws. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia  stated that they did not provide information to XXXX or Equifax and neither did I XXXX XXXX provide information or give them permission to report information. 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report.

Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AL)

Our mortgage is services by ASC aka Wells Fargo and should be a fixed rate mortgage. In XX/XX/XXXX my husband was laid off and we began to have financial troubles. In XX/XX/XXXX, I filed chapter XXXX bankruptcy to save our home. Over the course of the next five to six years I paid over {$30000.00} in the bankruptcy case. Throughout this time and process we have request both payment histories and a history of the escrow account. For the past two years, I have periodically request this info time and time again. My bankruptcy attorney even provided them a release letter so that they could discuss this info with me. Our reason for this is that we wanted to make sure the money was being applied appropriately so that when the bankruptcy ended we would be back on track. Well this has been a struggle to say the least and to this day I have yet to receive any of the info I have requested regarding my mortgage. My last communication with ASC was on XXXX XXXX, XXXX via phone. This time I was told that the payment history and escrow info for my account is stored in microfiche ( yes microfiche in XX/XX/XXXX ) and they were having a hard time gathering the info for my account. I am not sure of what our balances are at this point and although ASC ca n't provide a history of the transaction on my account they have told us that we are still owe them approx {$14000.00} to {$15000.00} dollars. We are not currently in foreclosure as we have tried to modify our mortgage but was denied because they said our monthly mortgage expense is {$630.00}. However, our monthly mortgagpayment is {$820.00}. I am at a loss now and need help. We desperately need to see our account information to be able to make an informed financial decision regarding this mortgage but are not getting any details from this company. How can that be? I thought they had to legally provide us with at least a history of the account when requested? Please advise.
Consumer complaint received 2015-09-08
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XXXX of 2010 my wife and I had an appointment with Bank Of America to work out a acceptable mortgage plan to make our mortgage more affordable. I was working on XXXX that day. I was tasked to pick up a vehicle at XXXX. XXXX airport, pick up a drive, whom would then pick up a bus. Then we would return the bus to XXXX XXXX XXXX XXXX in XXXX. There shpuld have been plenty of time to d this and get back to home base at XXXX XXXX XXXX That is and hour from my house in XXXX XXXX On the trip tp XXXX XXXX XXXX XXXX from XXXX XXXX , the bus broke down on XXXX XXXX in XXXX XXXX By the time tow truck got to us, we returned to XXXX XXXX XXXX , and parked the other vehicle, and then drove the hour home, I had missed the XX/XX/XXXX. meeting with the Bank Of America financial representative XXXX My wife attempted to call ahead of the meeting time, explain what happened to me, and rescheduale. They, Bank of America, flat out refused to rescheduale the meeting. Since that day we were treated like criminals. Now we have had to short sale out home, can not find a place to live. We have two months before we have to move out. Bank of America sold our mortgage to XXXX XXXX XXXX Bank. XXXX XXXX XXXX started off treating us the same way as Bank Of America, probably to do notes By XXXX XXXX from the XXXX. XXXX. office.We had our rights violated by not getting another meeting to work out the financial issues. Because of this we were not able to qualify for a loan modification.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I wrote to you requesting an investigation into items that I believed were falsely reporting. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone has had my social security number for going on two years or more now. My credit is trashed, and I have over thirty-two hard inquiries on just my XXXX credit report from many different creditors. I have tried to contact each creditor to no avail, they tell me all my information matches up, thus not being able to remove the inquiries. These inquires WERE NOT ME, I have had my mail stolen countless times, credit cards stolen, bills, refund checks, identifying information, and much more. These creditors have not helped me.
Consumer complaint received 2019-02-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Fidelity Services, LLC (IN)

XXXX ( XXXX XXXX XXXX ) invited me to their meeting in XXXX XXXX they promised to help increase the income over a {$1000.00} XXXX all I needed was {$8000.00}. to start with. and they assured me I have to pay from my new generated income which they will teach me how to make more money from the market. I agreed to this idea after that they had me sign me up few documents made me to sign while I was on phone with their executive. they didn't give me enough time to read or understand the programme. which they selected for me. after that they had me attend few online classes and asked me to give great reviews. they took {$4500.00} from me up front. and asuured me I will be earning minimum of {$1000.00} a month. after attending few classes I came to find out they want you to sign up for XXXX XXXX XXXX for any useful information. which cost extra {$50000.00}. they never helped me making extra {$1000.00} as promised after 2 years now I come to find out this debt collection company " Midwest fidality '' trying to collect {$23000.00}. with the interest rate of 17.90 %. and was asking me of detail information of my job and trying to pressure me to sell my car and get a bank loan to pay the debt off.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I submitted a complaint to the CFPB on XX/XX/XXXX. All three reporting agencies responded ; Equifax, XXXX and XXXX responded on XX/XX/XXXX, closed the complaint and did nothing. All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of XXXX, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

According to section 609 of the FCRA Equifax must provide me with the original consumer contract with my signature on it to proof that account XXXX XXXX # XXXX is actually mine if they can not provide me with the requested document mention above they must delete this account. Also attach to this dispute I am providing you with copy of ID and SS Card to prove my identity.
Consumer complaint received 2015-12-01
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

On XXXX XXXX, 2015 I went to Citizens Bank on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX for usual routine of withdrawal of Child Support money on my XXXX State Debit Card, which I 've been doing for years due to XXXX state contract with Citizens Bank. Upon speaking with the teller, I was told to wait because she was unsure of the current procedure. Teller informed her Supervisor, XXXX XXXX who informed me that I would be unable to withdraw full amount of {$1100.00} and limited to {$500.00}. I informed Supervisor that is not accurate and I 've been doing this for the past 10 years since I have moved to CT. The Supervisor requested a picture I.D, which was provided, but due to address change sticker on the back of my license, which is required by State Law and was done by DMV, she questioned my identity. Mailing address was verified by providing her with XXXX letters with my name and new address that matches my I.D . All of this happened in the middle of the bank, while other people and tellers witnessed embarrassment that Supervisor put me through. Proving my identity was not enough for her and she went to her office to make a phone call to report and verify if she can proceed. When she came back, I was informed that she would be able to " give me all of my money that was requested earlier ''. At that point I felt extremely humiliated and decided that I was no longer interested in the transaction. I informed XXXX XXXX XXXX, that I was mistreated and she used her authority to embarrass me in front of others. As a Branch Manager she should have handled this situation with more professionalism. Supervisor last comment was : " You are not a customer and I do n't have to take care of you ''. After last comment I just walked out of Citizen Bank.
Consumer complaint received 2015-12-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizen Bank has been taking out monthly fees for over three years from my bank account and never once informed me of these transactions. I never once received a phone call, email or letter, telling me this was going on. To my knowledge every bank I deal with even if I do not get monthly statements, will write to let me know what is going on with my account. This bank failed to do, instead just go into my account and help themselves to a monthly fee and now refused to give back my money. Do you know of anyone who has a bank account and allow them to do as they like with your account, without your knowledge and then turn around and blame the customer. Also you believe the bank is a safe place and you want interest not someone to go behind your back and steal your money.
Consumer complaint received 2016-02-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

My wife made a purchase at Kohls in XXXX. Indiana on XXXX in the amount of {$53.00} using Kohls credit card Received a statement from Kohls in XXXX 2015 with a balance of {$53.00} Paid with a check to Kohls Payment Center on XXXX Check # XXXX from XXXX, XXXX. 

A bank statement fro XXXX XX/XX/XXXX showed ; '' Electronic Check XXXX CAPITAL ONE ARC ( CHECK PYMT ) XXXX '' Since that time we have received threatening phone calls up to three times every day at dinner times and at bed times that we owe Kohls money.
Consumer complaint received 2015-03-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In my XXXX communication with Kohl 's I had requested a lower APR and their response was i could n't get one based on their terms. Their terms do allow for a lower rate. In my XXXX communication I tried to confirm their ability to offer a lower rate and was told I did not qualify.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

A Lawsuit claims against XXXX engaged in unfair and deceptivec practices by forbrances and away from student programs and loans were given with high interest which is fraudulent and the interest was so high and being charged a continuing interest which make virtually hard to pay it. A loan for 10 000.00 ends bring 298 000.00 with incurring. Daily. My student is in question because of the almost 300 000.00. This practice has impacted my crefit negatively XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, WELLSFARGODEALERSVCS add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.