davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UBS BANK USA (FL)

Case number XXXX. Applied for a UBS Visa XXXX card in XX/XX/XXXX. Completed the paperwork and it was received XX/XX/XXXX. Then I got a letter third week of XXXX asking me to send copy of drivers license or utility bill on my name. I sent both and it was received XX/XX/XXXX. Then I called several times for an update. I was finally told on XX/XX/XXXX that the copy of the drivers license was not legible, even though I sent utility bill on my name as well. I sent them by email. I called several times after that and they confirmed they were received. Today I was informed my application was denied and the person on the phone told me I had to wait for the letter to know the reason. I have good credit, good income and good net worth. This has been the most difficult company Ive done business with, and Im unsure why they treat prospective clients this way.
Consumer complaint received 2017-12-01
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: EQUIFAX, INC. (PA)

Hello, I contacted XXXX and Equifax on XX/XX/XXXX to alert the fact that I had multiple credit inquiries that I did not authorize. The customer service representative would not assist in investigating or helping remove the unauthorized inquiries.

Below is the list ( by company, inquiry date, etc ) : XXXX : XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX-XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX XXXX-XXXX- XX/XX/XXXX XXXX XXXX, XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Citi Bank through Bestbuy have charged me a total of {$41.00} in four different charges on XX/XX/XXXX {$2.00}, XX/XX/XXXX {$13.00}, XX/XX/XXXX {$12.00}, and XX/XX/XXXX {$13.00} for debt protection. 

They previously were required to refund me over {$150.00} for these same charges in XX/XX/XXXX when the CFPB required they reimburse {$700.00} XXXX dollars and pay a fine of {$70.00} XXXX. 

Citi Bank continues to add these unwanted and non-requested services to accounts. 

I spoke with them today and they claim i signed up for this service in XX/XX/XXXX and claim to be sending me a signed form. 

They also stated they would cancel the service and refund my money.
Consumer complaint received 2021-02-08
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. (NJ)

I've been attempting to remove fraudulent accounts from my credit report since XX/XX/2020. Its been over 7 months and the fraud accounts are still showing. The bureaus have been non responsive and for a process that should take 30 days has taken over 250 days with no end in sight. USPS tracking shows my letters are being delivered and signed for and yet the investigations haven't even been initiated. This is my last resort before I escalate this matter through the legal channels.
Consumer complaint received 2018-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In order to prevent any deception, misrepresentation, or concealment, we are requesting that you forward the portion of the original promissory note agreement with these six ( 6 ) elements to satisfy and complete : A. Adequate Assurance of Due Performance B. That the proper party is to be repaid their money C. That a theft of any party has not occurred D. That my client was provided, Full Disclosure, Adequate Consideration, and a Mutual Understanding of all material facts in the original transaction if you can not or refuse to provide the portion of the original promissory note ( s ) agreement ( s ) with these six ( 6 ) elements within thirty-days ( 30 ), please explain why.
Consumer complaint received 2021-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NC)

Opened account online, but get frozen the next day. Have not initiated any XXXX transfer but being told that's the reason.

Make multiple calls, nobody can help. They told me to visit a store to verify my ID. Driving to another state to visit the branch, not resolved during the visit, and nobody follows up.
Consumer complaint received 2017-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXX ... Transaction made to my account ... {$1300.00} XX/XX/XXXX ... Transaction made to my account ... {$130.00} XX/XX/XXXX ... Transaction made to my account ... {$470.00} These were not authorized by me ... explained to several Chase representatives multiple times of concerns that my account has been compromised..For days I was shifted around from one Rep to another ... different Titles..all passing responsibility concerning this matter to someone else ... I 've been put on hold for more than 30 minutes at a time only to be hung up on ... My account was abruptly closed ... this indicated to me that they found something, but, did not share with me ... many days later they returned what was left of my money ... which was substantially less than my estimation, making me aware that other illegal transactions were made to my account ... I received absolutely 0 assistance getting to the bottom of this matter from Chase no matter how persistent I became ... I trusted Chase with the funds in my account and they chose to discard me when I rightfully asked for help ... Devastating ... ....
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, XXXX, XXXX & Experian. No one will remove this inaccurate information form my credit report.
Consumer complaint received 2017-12-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (OH)

PNC has two mortgages filed with XXXX XXXX, which both mortgages have XXXX balances. We were scheduled to close on this property, as sellers, XXXX XXXX, XXXX, however, have been unable to close due to PNC not providing payoff documents to the title company for these two mortgages. The title company has requested payoff balances to prepare their documents, and I have spoken with the following PNC individuals regarding these mortgages ; XXXX/XXXX/XXXX - Left message for XXXX XXXX, XXXX XXXX/XXXX/XXXX - Left message for XXXX XXXX, XXXX XXXX/XXXX/XXXX - Met with Branch Mgr - XXXX XXXX, XXXX XXXX/XXXX/XXXX - Followed up with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Received email from XXXX XXXX, XXXXXXXXXXXX XXXX/XXXX/XXXX - Met with Branch Mgr - XXXX XXXX, XXXX XXXX/XXXX/XXXX - Stopped in at branch in a.m. for follow up with XXXX XXXX. He was unavailable.
Consumer complaint received 2017-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (IL)

Due to loss of income ( I am XXXX ) - I have been struggling to keep up with my mortgage payments. In XXXX, each month my mortgage was paid on time. In XXXX, I fell behind in XXXX. As of today, XXXX/XXXX/XXXX I owe the payment for XXXX, XXXX, and XXXX. Today, the mortgage company told me if I do not make a payment today, all 3 payments will be due on full by the end of next month and my mortgage will be forward to an attorney to start the foreclosure process. I advised that I applied for the Hardest Hit program, and they still advised they will proceed with the foreclosure.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (GA)

In XXXX XXXX XXXX, PNC charged me 5 or 6 overdraft fees. I had the money in my account to cover my bills and expenses but they sent all of my bill payments back which caused my checking account and my payments to be completely messed up until I closed the account in XXXX. I discussed it with several people at the bank but they automatically figured I was lying. My account became overdrawn every month because I pay my bills on the XXXX of the month. Before I knew they had already taken half of my Social Security XXXX check this kept going on and on. they would tell me that they would investigate but never sent me anything about what they found. Now my credit score and credit checks is completely destroyed.
Consumer complaint received 2020-04-25
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. (MS)

According to Transunion, XXXX and XXXX they have verified that 'alledged account XXXX XXXX XXXX XXXX XXXX and it has a balance of XXXX. This account was sold to the collection agency XXXX, therefore how can it report a balance. I have disputed this account with the bureaus several times and they continue to report this inaccurate information.. 

Furthermore, I disputed this account with the collection agency as well. According to the FCBA and FACTA 312, and the FDCPA, the collection agency and or original creditor must be able to produce 1. complete payment history of the alleged amount/ verification line by line 2. date of last payment 3. charge off date 4. Contract/Agreement with signature 5. proof of photo identification 6. letter of sale or assignment from the seller/original creditor agreements states that debt are sold as is. ( the seller of the debt disclaims all representations and warranties regarding the accuracy of information they provide about individual debts. 

XXXX failed to provide this information, instead they sent an itemized bill and stated that they did NOT have a signature on file. This does not constitute validation and this information needs to be deleted off my credit report. 

Failure to delete this information will result in a lawsuit and a complaint with my state attorney general for failing to adhere to the FCRA, FDCPA, FCBA, and FACTA 312
Consumer complaint received 2017-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

Hello - I was directed here from XXXX to resolve this matter, though I 'm not sure I 'm supposed to be contacting you regarding any of this.. so I 'm sorry for wasting your time if this is not who I should be contacting. 

I recently made a purchase on Coinbase for the cryptocurrency ETH, and just a few minutes later I got an email saying my account was closed. After 4-5 days of emailing them to find out why, they finally responded saying that it was XXXX 's decision and they would not be supplying information as to why my account was closed. They also said they would help withdraw my ETH into a new wallet, but now have stopped responding to those emails. 

In a nutshell.. I originally tried to buy {$150.00} in ETH and {$150.00} in BTC from my XXXX XXXX Checking. Shortly after I got two separate emails cancelling both transactions. My friend told me the same thing happened to him, so he switched to try his savings account, and then it worked. So, I verified my driver 's license with the website, so my savings purchase limit would be raised from {$50.00} to {$250.00}. I then got verified, and bought {$250.00} in XXXX. Minutes later I received an email saying my account had been closed, and now here we are 5 days later, I have no access to my funds, and no one from Coinbase will contact me to explain any of this to me. All they said in a generic email, was that the decision was yours. 
my Coinbase account is under XXXX XXXX XXXX - XXXX - XXXX Please, help me if you can, thank you so much. 
XXXX
Consumer complaint received 2015-05-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NY)

I requested complete verification of my Mortgage the transfers the title information and I have not received any of the information. I dont receive Monthly statements, I have no idea as to how the current balance became what it is and none of my questions are ever answered. I sent in pre approved Modification papers to Seterus and XXXX and have received nothing back no funds were accepted.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}.
Consumer complaint received 2020-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I applied for a loan and was declined because they report a mixed information and a deceased information. 

I called transunion and they claimed no records since I have itin # ( I paid taxes and run a business with that # XXXX Attach proof of report from transunion
Consumer complaint received 2017-12-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

My checking account with KeyBank was hit with 5 fees of {$38.00} in 2 days for returned amounts that were being withdrawn from XXXX. I understand one fee for not having enough money, but almost {$200.00} in fees over 2 days? How am I supposed to regain financial footing if my bank is slapping me with all these fees? From XX/XX/XXXX - XX/XX/XXXX {$190.00} in fees were charged to my account for {$87.00} that was returned. One transaction was only for {$4.00}.
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

I had a Citi ThankYou Preferred MasterCard account with Citibank for many years, with a limit of {$28000.00}. My credit score is excellent ( XXXX as of XXXX 2016 ). Nevertheless this company closed my account XXXX XXXX without any warning whatsoever, which will have the effect of lowering my credit score by affecting the credit to debt ratio. When I contacted them by phone, an individual told me that it was for my " protection '', as I had n't used the account for 25 months. Really? When a credit card company is worried about a customer 's safety, they usually contact the customer before taking such drastic action. 
I also contacted them by email, after which they closed my online access, essentially shutting me off. It seems that they are not willing to have a dialogue and display a rather hostile and arrogant attitude towards the consumer. The specific problem I have with them is the complete lack of warning, for what I see as an unjustified and irrational action ( again I have a very high score, a good XXXX figures income and no debt whatsoever except for an existing mortgage ). 
Can this actually be resolved? I would imagine that a company that wants to stay in business would lay out the red carpet for customers. Are they XXXX, or has their arrogance clouded their judgment?
Consumer complaint received 2015-11-30
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: HOVG, LLC (CA)

In XXXX 2015 I received a collections notice from " Bay Area Credit Service '' - I had no idea what it was for so I sent a FAX requesting more information, such as to whom the money was owed and for what ... .. I then set it aside to await a response and if none received intended to turn it over to the police as mail " phishing scam ''. 
On XXXX/XXXX/15, I had still received no response so I decided to attempt calling them before reporting it to the police. It turns out that the debt was a valid medical debt however, the provider failed to send me a bill and in speaking with the original service provider ( XXXX XXXX XXXX - XXXX, CA ), it turns out they had the secondary insurance information all along and simply failed to bill them either. Additionally, they advised that they had a different address but this has been the address for years and was also the address where the service was provided. The first person I spoke with said they attempted phone contact but they did not and when I mentioned that to the supervisor, she did not indicate that any attempt to contact by telephone was made. The hospital and physicians who provided treatment related to this injury all have the correct information and were all paid in full within weeks of service. 
My concern is that this type of business practice damages a person 's credit - especially when the 'debtor ' would have been and still is more than willing and able to pay any uncovered expenses. 
After two hours of phone calls and speaking with a supervisor, I was told they would forward the information to the collection agency and request that it not be reported to credit agencies. I explained that I was comfortable sharing any more information with any collection agency and again requested that they pull it out of collections, bill the secondary insurance and then, if any monies were owed, bill me for the remainder. 
The supervisor at XXXX XXXX XXXX was unfamiliar with the procedure to pull back any accounts sold to collections but will look into it and phone me back in two days. Even if I am successful in pressuring them to do the right thing, it is clear that correcting mistakes is not a standard policy or practice for this provider. 
Is there a law in place protecting people from such damaging business practices? if not, there should be. I did read that the collections agency is required to give you the original provider 's information such as the name and contact information and that was not done upon receipt of my FAXED inquiry in XXXX 2015 and when I spoke with them today, they gave me the name but refused to give me the contact information for the provider ( I found it myself online ). 
Additionally, the practice of 'selling ' accounts due at a reduced rate when they are in fact able to collect through standard billing methods, only serves to further increase the already inflated cost of medical care - making it increasingly difficult for average citizens to obtain and pay for needed medical care.
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (TX)

Account XXXX from Cavalry Portfolio Services , LLC was added on XX/XX/2016 for {$740.00}. I have no contract with Cavalry Portfolio Services , LLC. I have never done business with this company. I am not liable with the debt from XXXX. I am not responible for the debt with Cavalry Portfolio Services , LLC.
Consumer complaint received 2015-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

I went to call my bank account information today at wells fargo XXXX/XXXX/2015 and they told me my account is closed. My local branch here in XXXX told me I had to open a new one now after a month of it being open it is now closed. I did n't receive anything in the mail I was kept in the dark. My original account was never closed like this until it was hacked into wells fargo told me, I do not appreciate being done like this and I need my social security money and now I will not be able to get it. I know the people who is behindthe wrongful closure of my complaint the XXXX manager XXXX and XXXX XXXX who falsely accused me of harassment. I will be suing wells fargo for the emotional distress they are causing me. Well why did n't they close my first account and now that I open a new one they close it out of the blue. There was no need for them to close my account after they told me to open a new one. I 'm glad I called about it before I purchased something or I would had been embarrassed. This is treating the consumer unfair and unjust. But I know what is really going on and who is behind this dirty deed.