davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXXs hired by the three major credit bureaus Transunion XXXX  and XXXX. My credit profile should mimic all accounts with all three credit bureaus. All my accounts are the same, current and all should be updated. XXXX XXXX continually refused to update both Transunion and XXXX  thus keeping my score at a low status monthly continuously For example Transunion XXXX is update but XXXX  XXXX  is not and its the same account. ARE THE CREDITOR AWARE OF THE FRAUDULENT REPORTING MONTHLY. CREDITORS CREDIT REPORT AGENCIES LIKE XXXX XXXX MUST BE ACCOUNTABLE. This practice appears to be designed to keep my score from improving. It's discriminatory and disparate treatment to update is wrong and frankly illegal and XXXX XXXX must stiop this action and be accountable. My XXXX XXXX  and XXXX XXXX account is the same it should not be treated with a different status because the two companies are different. Both have a positive and current status and should be updated positive. XXXX  XXXX  promting a lie they do not act on good intentions at least for me because this is evert month. This updating one credit bureau and holding back another is unfair. If the same accounts got like XXXX  got 14 points on Transunion then the XXXX  XXXX same account should have 14 points. XXXX XXXX representative every credit bureaus is different and that's why they don't get the same points but it's the same e account. The practice is fraudulently designed to not increase my score because this has been going on for years. As a person of XXXX  this practice will hender and tarnish chances of getting ahead financially because XXXX XXXX is saying my XXXX  or XXXX XXXX on one uses is good but not on the other when both are on the same credit bureaus ie Transunion and XXXX. I THIS IS MY 3RD ATTEMPT WITH XXXX  XXXX  TO CORRECT MY REPORTING. This complaint is the last attempt to remedy this illegal practice. I will seek legal counsel if this is not corrected.
Consumer complaint received 2020-11-04
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXX {$350.00} XXXX  XXXX {$240.00} XXXX XXXX  XXXX {$150.00}
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MD)

I filed an earlier complaint regarding the collection practices of a third party organization assigned by Citi Bank. Citi Bank did not respond with validation of the alleged debt being collected on. Checks were sent via postal mail years ago to satisfy the outstanding balance on the credit card account I had with Citi Bank. I had been under the impression the matter was resolved many years ago. Citi Bank instead replied with NO documentation : no canceled checks, no financial ledger, no account statements reflecting the alleged outstanding debt, etc. I 've been the victim of financial fraud in the past and am leery of the absence of proper documentation as well as illegal collections practices Citi Bank has participated in over the years. 

I would like for Citi Bank to halt possibly predatory collections practices on alleged debt, debt that there has been no documentation provided to validate. 

I would like for Citi Bank to provide proof that the money paid to satisfy the balance on my credit card account held with them circa 2007 was simply not noted on the wrong account. 

I would like for Citi Bank to provide statements for that card account mailed to me reflecting an unpaid balance.
Consumer complaint received 2020-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

Sunday my wife and I deposited our income tax refund check into the Wellls Fargo atm located in XXXX XXXX SC. It said our funds would be ready in 48 hours. Well those funds never came through. We received a call from the bank saying something went wrong with there atm and our money wasn't deposited. And they dont have our check anymore but we have the recipe the atm gave us with a copy of the check on the recipe. But they are saying we have to wait on a letter in the mail to take to the bank to figure out how to get our money back. I need to know what to do because I am fed up with the waiting on something that belongs to me to be returned in how ever long that takes.
Consumer complaint received 2020-10-23
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: EQUIFAX, INC. (NY)

I tried fixing this problem since XX/XX/2020 the EQUIFAX did not do their job send them many requests and waited months.I had letter from " XXXX XXXX '' showing there are not reporting late payments for XXXX XXXXXXXXi am attaching letter as a proof from " XXXX XXXX '' I hope they fix this Chaos ASAP.
Consumer complaint received 2024-03-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am writing to file a formal complaint regarding egregious violations of consumer protection laws by Columbia Debt Recovery , LLC, doing business as Genesis. The actions of this agency have not only contravened the XXXX XXXX XXXX but also misrepresented and misled me regarding an alleged debt, resulting in severe consequences for my financial well-being. 

The debt in question pertains to a rental lease for XXXX  XXXX at XXXX XXXX XXXX XXXX. However, despite repeated requests for validation, Columbia Debt Recovery , LLC, provided a copy of a signed lease for XXXX XXXX, not XXXX. This discrepancy misrepresents the nature and extent of the debt owed, raising serious concerns about the accuracy and legitimacy of their claims. 

Additionally, Columbia Debt Recovery , LLC, has violated Sec. 392.303 and Sec. 392.304 of the XXXX XXXX XXXX by attempting to collect interest and additional charges that were neither authorized by the original agreement nor legally chargeable to me as the consumer. Despite my disputes and requests for clarification, they have failed to provide any evidence of the validity or legality of these charges.

Moreover, Columbia Debt Recovery , LLC, has contravened federal laws, including 15 U.S. Code 1692f ( 1 ), by attempting to collect amounts not expressly authorized by the agreement creating the debt or permitted by law. Additionally, they have violated 15 U.S. Code 1692j by furnishing deceptive forms that create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Furthermore, Columbia Debt Recovery , LLC, failed to inform the credit reporting agencies of the dispute regarding the alleged debt, as required by law. This failure to accurately report the disputed status of the account violates fair debt collection practices and undermines my rights as a consumer to dispute inaccuracies on my credit report. 

As a direct result of Columbia Debt Recovery, LLC 's deceptive practices, I have been denied credit opportunities and suffered significant damage to my financial reputation. These actions have caused undue stress, confusion, and financial hardship. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to hold Columbia Debt Recovery, LLC, accountable for their violations of consumer protection laws, both federal and state.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KEYCORP (OR)

On XX/XX/XXXX I tried opening a new checking and savings account with XXXX XXXX XXXX and was denied due to overdraft fee 's in the amount of {$460.00} at Key Bank back on XX/XX/XXXX. At this point in time I had my identity stolen and had to dispute an account being opened using my identity with XXXX earlier this year. The bank sided with me and stated that I was a victim of identity theft and therefore was not responsible for the amount owed on that account. I have never been a member with Key Bank and believe this has to do with the same person that stole my identity.
Consumer complaint received 2021-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANKMOBILE TECHNOLOGIES, INC (WA)

On the 1st of XXXX, 2021, I applied for the XXXX XXXX checking account, but for all intents and purposes a savings account. My application was rejected without any reason. I explained that I have a very good credit score and I hold a XXXX XXXX XXXX XXXX with the XXXX XXXX. Also, there should not be anything negative in my background check, therefore the information they used to identify me must be incorrect ( I identified myself using my US passport and the SSN. ). The customer service representative refused to provide any details on the subject nor take steps to investigate and correct the information that I disputed. 
In addition, the bank refused to provide me with an adverse action notice, except for allowing me to take a screen shoot of the online application denial ( which I have attached to this complaint ). This does not provide the name or contact information of the checking account reporting agency on which data the bank made their decision. At the highest level of customer service support available to me, I was refused my right to know what specific information submitted on their website triggered their decision to deny my application and was not allowed to know the name of the company that provided the data to check the veracity of my submitted information. The most specific information I could get was that the decision is done by a system process and subject to internal review, not available to me. I was expressly denied any opportunity to speak to someone that my review my case or allow me to prove that the information they have about me is incorrect. Because of these, I believe the bank did not treat me fairly.
Consumer complaint received 2020-05-01
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (TN)

This company is a fraud. First, someone lied and placed my account in forbearance. Now, they have reported to the credit agency my account is in forbearance and has cause my credit score to drop 44 points. I have made payments on this account so I dont understand why this company keeps placing and reporting to the credit agency my loan is in forbearance.. This is my second complaint!!
Consumer complaint received 2020-05-01
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: EQUIFAX, INC. (CO)

I have an acct that is being recycled by collections agencies for XXXX. It has been sold 3 times in the past year alone. I have disputed the amounts several times. The credit bureaus remove it then allow it to be added back by another collection agency. XXXX XXXX, then XXXX XXXX  and now XXXX XXXX. XXXX XXXX NEVER ONCE contact me by mail or phone and advised me they are now attempting to collect a debt that is not owed. They all are continuously violating my consumer right and requesting acct for XXXX removed PERMANENTLY. There are inaccuracies with amounts and all have bypassed the allotted timeframes to collect. They have violated several federal and state laws. I have also written SEVERAL letters requesting unauthorized inquiries be removed from my credit and still has not been done by either of the credit bureaus
Consumer complaint received 2024-03-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (AR)

So PayPal has been nothing but an absolute nightmare I had a {$230.00} paycheck sent to my PayPal balance for XXXX  days straight I spent every single morning on the phone with PayPal attempting to get my money transferred out of my PayPal balance to my debit card none of which were successful every single time I was told I have to wait XXXX more hours or XXXX more hours XXXX more hours for their system to refresh so that way I can get my money out because their system was locking my account every single time I tried I'm all for security but this was absolutely just them harboring my money refusing to help me get my money transferred out and then today XXXX different charges were posted to my account taking out every XXXX XXXX of the {$230.00} that was in there even though I was just told XXXX hours ago that I needed to wait XXXX more hours before I could try to withdraw my money out of my account because it was locked and yet somehow to unauthorized charges were charged to my account in the full amount of XXXX leaving me with {$0.00} so I immediately follow the dispute on it and within XXXX minutes I received an email saying that there was no error found in that the money would not be refunded. I don't know how PayPal is still a business after their unprofessional and absolutely unbelievable business practices of refusing to let me get my money out of my account before it was taken from me and then not reimbursing me when it was stolen out of my account conveniently enough on the same day I was told I couldn't get my money out and I needed to wait.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

No deposits have been made since XX/XX/2020. I cant log in, says my log in information is not correct. I know its not. My daughter had and still has the exact same problem and her card has never been loaded and she has been waiting seven months. Iowa workforce development has passed the buck to you. In essence I can not access my account in anyway or change passwords or do anything I am completely locked out and my card has not been loaded for nearly a month.
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

Approved for XXXXomeowners Assistance Fund in XXXX. Payments from program stated to be sent in individual checks for the month of XXXX, around XXXX, and XXXX around XXXX. Both checks would have been for {$2300.00} individually. HAF has definitely sent the funds and XXXX has not applied them to my account
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (CO)

XXXX, Excalation Support Manager, failed to recognize a system failure in charging my account a {$15.00} fee for transacting with a vendor associated with gamblingXXXX XXXX  This is a state-wide company that accepts credit cards. No notifications, warnings, fine print outlined that any charge with the merchant would yield an alleged " cash-advance '' fee. This is the first time ever that a transaction was made with this company. There was no professional curiosity, courtesy or understanding with this bank representative. He is the lowest of professionals in the financial services industry.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Conn's, Inc. (TX)

Conn 's appliance Inc. I open account in XXXX mother got sick so had to stop working to take care of her. She passed away XX/XX/XXXX. In XXXX Conn 's appliance filed in XXXX XXXX XXXX I receive a summons to appear which I did, and Conn 's never came to Court. This account is over 7 years old, and they keep changing the date that the account was open. This charge off for {$3300.00} have been on my credit for 9 years. I have contacted Conn 's several times but was transferred around and never got to talk to anyone.

XXXX  credit to have this removed but they say
it's has not been 7 years. Conn 's keep changing the dates so that the credit bureaus will keep it on my credit file. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2021-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been contacting the bureaus since XX/XX/2020 about three unverifiable bankruptcies reporting on my credit profile. Transunion advised I need to send them information from creditor/courthouse. XXXX  claims they received information from a third party and XXXX  claims the bankruptcy is verified. I have sent all 3 bureaus a letter advising that the courthouse advised they did not report the information. I have also contacted the third party company XXXX XXXX in which they were not able to verify the information and sent the letter to all three bureaus but yet the three bureaus are STILL showing the bankruptcies on my credit profile violating FCRA.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (CA)

So today XX/XX/2024 when I tried to see how my investments are doing I get a message saying my account is restricted I cant use it cant transfer my money out nothing when I talked to a representative all she told me was it under review and thats it I need my money
Consumer complaint received 2021-05-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Have not received the " method of verification '' for the following invalidated, inaccurate account on my credit report requested over 60 days ago on XX/XX/21. This is a request to comply and a notice that Experian is in violation under section 611 ( a ) ( 6 ) ( B ). Immediate action is demanded.
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NE)

XXXX XXXX debt collector has said i owe a debt of {$1000.00} with interest to citibank credit card. i filed fraud charge of identity theft to XXXX card was trying to charge me for a fraud charges of amount of {$1000.00} back in XXXX and XXXX and XXXX. i reporetd this as fraud charged to me when i did not charge nothing for {$1000.00}. someone stole my identity and charged {$1000.00}. i want this {$1000.00} with ciitbank and XXXX XXXX removed immediately as they are destroying my credit when i have excellent credit before this happened. im not paying for someone else fraud identtiy theft items that XXXX XXXX charged me for. called them many times to dispute this fraud charge of {$1000.00} and selveral times said fraud dept would take care of it a manager in fraud dept but looks like they never got it credited back to the card so i still wont be ruining my credit. i want this fixed asap.
Consumer complaint received 2020-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (MS)

I was mailed a check from XXXX XXXX in late XX/XX/XXXX or early XX/XX/XXXX. I made several payments through XX/XX/XXXX. As of XX/XX/XXXX, I logged into the website and the account was gone. I attempted to contact them several times by phone and the call just went to a recording. Fast track today, I get a notification on my credit report that there's an inquiry from Tower Loan dated XXXX. I call them and was referred to the local branch in XXXX, XXXX XXXX The representative went through the system and found that my account was sold to Tower Loan from  XXXX XXXX. The representative gives me the Tower Loan account number and current balance along with a {$10.00} late fee. I asked why their was a late fee and the representative told me that a payment was due as of XXXX asked to have the late fee removed because I was not given any notice that the account was sold to Tower Loan. I was told that I was sent notice of them having my account and was not told the late fee could be removed and they would have to call me back. I check my postal mail and e-mail daily and I've never seen anything from Tower Loan providing ownership of the account. I also want the inquiry from my credit report removed because I didn't apply for a Tower Loan account in XX/XX/XXXX.
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was denied a mortgage loan from Bank of America for a property in XXXX XXXX, NJ on XX/XX/2021. I haven't received written confirmation yet, but the verbal reasoning is due to my employment history and employment gaps. The loan officer sounded very condescending when she told me that I was denied. It doesn't make sense to me to be denied for that reason alone as my employment history was stated on Day 1 and I was pre-qualified for the loan. To make matters worse, I was denied after having an appraisal done on the property so I was fairly far into the process with a refund unlikely for the {$570.00} I was charged for the appraisal. 

I believe that I am being discriminated against because I disclosed my race as XXXX on Section X of the XXXX loan application. I would greatly appreciate it if this could be looked into to ensure that Bank of America didn't discriminate against me by showing that they also denied mortgage loans to people of other races, particularly XXXX people, with similar credit, income or debt-to-income ratio, savings, educational, and employment backgrounds as me. 

Quick summary of my background : I have excellent credit, my credit score is over XXXX. My 2 employment gaps greater than 30 days were related to school. I have a XXXX XXXX XXXX and currently in XXXX XXXX seeking a XXXX. I work full time as a mortgage loan advisor where I earn over {$45000.00} annually. I have savings of {$30000.00}. The house I was looking to purchase cost {$180000.00}.