davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX-XXXX-18 I paid {$30.00} to bank to stop payment on authorized payday loan. But on XXXX-XXXX-18 the bank paid {$200.00} to loan company anyway. The bank then refund {$200.00} back to my account. Waiting on that claim to come back the bank paid another {$120.00} + {$3.00} international transaction fee on XXXX-XXXX-18. I then went into bank to find out why paid again. Excuse given. Then Letter came in mail stating {$200.00} being returned to bank. I go into bank and official stated I needed to change bank acct number. I then asked ; if I could get my stop payment money back? Official said he could only give me back {$3.00} and it was added back into my account.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Reporting account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C 1682 Section 604 A. Section 2 : Also, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. A. Section ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information, and any adverse items 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I called Citi Bank 1-2 months ago and asked them to close my account and reverse a negative balance that accrued due to the account balance being left at {$0.00}. They said they would reverse the charge and close my account as per my request. They never did, which I noticed when I got an email saying I had a new Citi Bank statement. This new statement showed that my account, which was supposed to be closed, again had a new negative balance, so I called Citi, who once again told me they would reverse the balance back to {$0.00} and close my account. This second call was 2-3 weeks ago. Then, for a third time, I got an email saying I had a new Citi statement. I checked it, and lo and behold, my account had again not been closed. My account said I owed a balance but at the same time it looked like maybe they had reversed it ... it didnt appear to make much sense. Shortly after this, I got an email from Citi saying my account had been closed due to a negative balance accruing and never being paid ... This was all a huge XXXX up on part of Citi and they have all the calls I have with them recorded ( they told me this on the most recent call ). Citi says I owe them {$80.00} and to remedy this, they said they would send me a check for {$80.00} that I can take to a Citi Bank location to pay it off. This is not an appropriate remedy as they are the ones who made the error ( several times in a row ), and for me to follow through with this would be to say I was in the wrong and therefor affect my checking account reporting in the future. Its not just the principle here but my financial history/reporting that will be affected.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I have a CapitalOne Quicksilver credit card. 
I first used it in XX/XX/XXXX. 
The payment due date is the XXXX of the month. 
I usually pay early on the XXXX of the month, see attachments. 

Payments made : XXXX XX/XX/XXXX - {$500.00} XXXX XX/XX/XXXX - {$500.00} XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$500.00} XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$200.00} ( I setup auto pay this month ) XXXX XX/XX/XXXX - {$500.00} extra payment XXXX XX/XX/XXXX - {$200.00} ( autopay ) XXXX XX/XX/XXXX - {$200.00} ( turned off auto pay this month ) XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$100.00} ( I made an extra payment to access the payment summary for the screenshot ). 

I was charged a {$40.00} late fee for XXXX and again for XX/XX/XXXX ... for paying early. 
I made 11 payments in 8 months, most of which were before the due date, not one late. 
I can't be the only person this is happening to.
Consumer complaint received 2023-03-29
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. (IL)

I did not authorize any of the hard inquires listed I notice these on my credit report XX/XX/XXXX, I have file a police report and a identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (IL)

I shopped around and ultimately ended up going with Better Mortgage for my loan because they told me they could get it closed on time, and offered me an extremely competitive rate plus lots of closing credits, beating out the competition. 

After stringing me along for a number of weeks while they requested document after document that they then seemingly completely ignored, they told me my income was not sufficient to qualify for the loan ( it is way above what's needed ) and that if I still wanted to the loan I would have increase my down payment with a new interest rate and different closing credits. 

At this point ( I'm supposed to close on Friday, XX/XX/27 ) I clearly do not have time to get a mortgage anywhere else. 

This is a total bait and switch- had they been up front with me about : A ) not being able to close on time B ) telling me there was an issue with my income C ) explaining that they might change my rate / closing credits even though I have a rate lock in place I would absolutely not have gone down the road with them and would have used a different lender who was not lying to me. This is costing me a significant amount of money as well as wasting a large amount of my time. 

Totally unacceptable business practices, I need this addressed.
Consumer complaint received 2018-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX # XXXX XXXX XXXX placed negative collections on my credit report around XX/XX/2018. Four accounts in total. {$830.00}, {$320.00}, {$570.00}, {$320.00} over a year ago XXXX XXXX XXXX, XXXX had also placed these four accounts on my credit report but these delinquent accounts are for a woman named XXXX XXXX, I am not XXXX and I have never been to shooting star rehabilitation services. They were removed from my credit history. But on XX/XX/XXXX XXXX XXXX XXXX XXXX placed all four collection on me again. My name is not XXXX XXXX. I started a dispute on XX/XX/2018 when I had noticed what XXXX XXXX XXXX had done. I sent proof of my identification to XXXX XXXX XXXX on XX/XX/2018 after speaking to XXXX XXXX XXXX over the phone. A manager at XXXX XXXX XXXX instructed me to email my ID to his email address and he would fix the problem. My first dispute closed and nothing was done and Harvard continued to collect the debt. I opened a new dispute on XX/XX/2018 and on XX/XX/2018 I filed an identification theft report with the federal trade commission. My dispute was finally resolved on XX/XX/2018. I am not even XXXX XXXX the bills were never mine and I have wasted countless hours and a lot of money on this problem. XXXX XXXX XXXX knew I was not the right person but they continued to try to collect money. This has put a tremendous strain on my family life
Consumer complaint received 2022-09-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington mortgage reported late payments and I need them removed mortgage was paid not the house is sold and the XXXX payments are still there the loan was sold never recieved a welcome letter was still sending to old company never notified til I received late payments on credit
Consumer complaint received 2022-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (CT)

My account is being reported as delinquent and they are refusing to correct it. They keep telling me a loan counselor will contact but that has yet to happen. I have attached evidence of my multiple attempts to contact this loan servicing company/lender and they keep giving me the run around. 

Today XXXX XXXX XXXX XXXX XXXX XXXX, transferred to XXXX, transferred tp XXXX which went to voicemail at XXXX. 

Called back again XXXX XXXX spoke to XXXX and got hanged up on Called back XXXX XXXX, spoke to XXXX and then got transferred to XXXX and then transferred to a lady at XXXX whom i believe is named XXXX who started lecturing me on the process. Again they know they are in the wrong and trying to protect themselves. 

Please mind you that I sent a signed and notarized letter on XX/XX/XXXX which looks like it was never processed and they are claiming it is because the letter was expired. This should not have been reported as delinquent since i was on an approved forbearance plan. I have been making my regular mortgage payments for over a year.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I received a text message from Bank of America alerting me of a suspicious fraud transaction from the store XXXX. I called the Bank and there I discovered that there was actually 15 fraudulent transactions made to the store XXXX  starting from XX/XX/XXXX until XX/XX/XXXX. I also discovered that XXXX XXXX XXXX  XXXX  transactions were being made once a month. I told Bank of America that those XXXX transactions are fraudulent, I never purchase or gave authorization nor participate in those transactions. The details of these 15 fraudulent transactions are as follow : 1. ) XX/XX/XXXX Transaction Amount- {$190.00} 2. ) XX/XX/XXXX Transaction Amount- {$190.00} 3. ) XX/XX/XXXX Transaction AmountXXXX {$44.00} 4. ) XX/XX/XXXX Transaction Amount- {$58.00} 5. ) XX/XX/XXXX Transaction Amount- {$30.00} 6. ) XX/XX/XXXX Transaction Amount- {$52.00} 7. ) XX/XX/XXXX Transaction Amount- {$200.00} 8. ) XX/XX/XXXX Transaction Amount- {$190.00} XXXX. ) XX/XX/XXXX Transaction Amount- {$110.00} 10. ) XX/XX/XXXX Transaction Amount- {$81.00} 11. ) XX/XX/XXXX Transaction Amount- {$150.00} 12. ) XX/XX/XXXX Transaction Amount- {$190.00} 13. ) XX/XX/XXXX Transaction Amount- {$68.00} 14. ) XX/XX/XXXX Transaction Amount- {$100.00} 15. ) XX/XX/XXXX Transaction Amount- {$60.00} Now about the XXXX XXXX XXXX XXXX, the gym had no right to be charging me once a month since I canceled my membership last year in XXXX. I was shocked and on that day, XX/XX/XXXX, I canceled my Bank Of America debit card. I filed a fraud claim soon after. On XXXX XXXX, I received a letter from Bank of America stating that they've completed their research and closed this claim. I was upset and I couldn't believe it. I called the Bank telling them that indeed this was a fraudulent claim and that I did not make those purchases and that this fraud claim needed to be open. The bank said they would re-evaluate and told me to just wait, that it could take months for me to get a response. I went to the police station and I filed an Identity Theft report. I then went to the XXXX XXXX XXXX  XXXX in XXXX XXXX and showed the manager my cancellation receipt and in XX/XX/XXXX, the gym deposited all the amount that they have charged me for a year. The amount was {$510.00} I let the bank know that the gym gave me the money back to my account and that the XXXX  transactions fraud claim was still pending. I waited and waited and now I am still waiting. I have talked on the phone with many Bank Of America representatives, supervisors and I have been sent me letters and they all tell me the same thing that the claim is closed period. The claim department did not do their job and investigation accordingly. I feel frustrated about how this situation has been handled and I feel this is unfair since I feel I am being ignored and accused of being a liar.
Consumer complaint received 2022-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC (TX)

XX/XX/2022 I was denied credit by GLOBAL LENDING SERVICES I was under the impression that XXXX XXXX XXXX that they were only going to take a look at my credit then I started receiving inquiries from GLOBAL LENDING SERVICES and another bank but was not approved. I received an adverse action letter from GLOBAL LENDING SERVICES stating " We regret to inform you that we were unable to offer you Credit on the terms originally requested. However we could approved your application if certain terms or conditions are met. '' I was denied an extension of my own credit have damages dragging down my credit score but not car nor credit. 12 car 1002.7 states " A creditor shall NOT refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status or any other prohibited basis ''. I have clearly been discriminated against and that is unfair I did an application with good faith and good intentions and haven't received the same in return.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

Over a year ago, based on publicity about credit information being freely given out, I put a freeze on my credit reports. 

On XX/XX/2020 I wanted to delete the freeze in order to conduct business with a bank and was able to do so with XXXX and XXXX. However I could not do so with Equifax. I tried to do this on line but could not recall my password so I asked for password reset ; although the computer advised that an email was sent to me, no email was received ( after 3 attempts ). Therefore, I could not complete this process on line. 

I called Equifax and answered a number of questions asked by a computer voice and then spoke with an agent and again gave my information and answered questions. I was then told that I could not remove the freeze unless I mailed in a request along with a copy of a photo ID. 

I do not know why Equifax has a problem. Their refusal to lift the freeze without a mailed request and, I am sure, a significant delay, jeopardizes my opportunity to have an entity check my credit and conduct business with me. I have never asked Equifax to collect information on me and now they refuse to use their collection to my advantage.
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I XXXX XXXX am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has fraudulent accounts on my profile that need to be removed immediately
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (NY)

I applied for XXXXXXXX XXXX credit card with XXXX XXXX XXXX They told me that they couldnt verified my identity. They told me to fax them my drivers license, passport, power bill, renters insurance, lease signed, and a utility bill which I sent XXXX XXXX  to them. They sent me back a reply they couldnt verify my identity and had promised me a renters credit line of {$50000.00} by XXXX XXXX XXXX through XXXX XXXX XXXX. They scammed me and got all my information. When they receive the fax I paid $ XXXX to fax them they sent me a copy of the same exact letter as before. I did speak with them by phone as I called them to see if they received the fax. The guy told me it was in the process as received and approved
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2020-07-22
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: EQUIFAX, INC. (DE)

on XX/XX/20 I sent a letter to Equifax and XXXX  regarding failure to respond deletion regarding account XXXX XXXX   and as of today neither company has responded nor provided proof of this debt
Consumer complaint received 2017-06-16
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. (CA)

There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my reports.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

I had a Chase Southwest Rapid Rewards Visa Credit Card issued through Chase. I tried to work this situation out with Chase but got no resolution. I was charged the annual fee of {$69.00} before it was due. They are supposed to credit me back my {$69.00} as I cancelled the card today before the deadline of XX/XX/2020. They acknowledge that I cancelled in a timely manner and that they owe me the {$69.00}. I have a {$47.00} balance on the card that is due in XXXX of 2020. Chase owes me more money back than I owe them. Chase expects me to timely pay my Chase Credit Card for the {$47.00} balance or Chase will go after my credit. I was told by a representative of Chase that I will have to wait six months to automatically get my {$69.00} back. Also, they put the burden on me, the consumer, to keep calling them back if I want my money any sooner than six months but Chase does not say when I should call back.. However, it did not take Chase six months to charge my Credit Card the {$69.00}. I do not understand why it takes Chase six months to give me my {$69.00} back. It is not being returned to me, the consumer, in a timely manner after I cancelled the card. Also, it is not the {$69.00} amount owed it is the principal and fairness of the matter. I am sure Chase does this to every consumer who cancels their card because of they have decided they do not want to keep the card and incur the $ XXXX  yearly fee. I believe Chase does this so they can keep money that is not theirs, for an unreasonable and extraordinary period of time, so they make interest off of each of the {$69.00} amounts. That is a lot of money when you add up all the consumers Chase does this to. 

I know Chase has the physical ability to credit an account immediately. When you call a credit card company and want to dispute a charge they automatically credit the account for the amount disputed. This credit is on the account until the dispute is resolved one way or the other with the merchant. When the merchant making the charge/fee to the account is Chase it leaves the consumer, in this case me, with no recourse except to file a complaint with a Federal Agency. 

Chase requires their consumers to timely pay their credit card bill or be charged fees and interest. However, when Chase owes a consumer money, the {$69.00} in this case, Chase keeps and uses that {$69.00} without the consumer 's permission. Chase then takes six months to pay the {$69.00} back. I believe this is an outrageous amount of time to return the {$69.00} to each of those consumers. Chase is also charged no fees and no interest for keeping and using this {$69.00} that is not theirs.
Consumer complaint received 2022-09-14
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: EQUIFAX, INC. (PA)

I am a victim of identity theft and this account is not mines. i have called the company and credit bureau multiple times to get it removed and block. please remove this account asap please. This account opening dates also do not match on my credit report.