davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative technical, and physical safeguards.

( 1 ) to ensure the security and confidentiality of customer records and information ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such record and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic information. 
You have violated my privacy and confidentiality of my records and information by furnishing to a non-affiliated party without my consent or given the proper financial pursuant 15 USC 6602 ( 8 ) You have obtained my information under false pretenses, displaying yourself as a creditor on my consumer reports, when you know that there is no contract between you Dept of education and me XXXX XXXX. You have no right or permissible purpose you knowingly possess uses and or transferred an identification of me without lawful authority, this is the definition of aggravated identity theft. 
18 United States Code 1028A- Aggravated identity theft Offenses- I have submitted an FTC report to the credit bureaus in hopes of a full investigation with proof of a contract or something with my wet signature that confirms this dept belongs to me. The credit bureaus failed me and did not complete a full investigation. They stated these loans were verified and accurate without providing any proof of accuracy.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CT)

We are XXXX and XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CT  XXXX. For about 20 years, my wife has had an adjustable rate mortgage on this house, first with XXXX XXXX and, since the fall of XX/XX/2016, with PHH Mortgage Services ( XXXX XXXX XXXX, XXXX. XXXX, NJ  XXXX, tel : XXXX ). During all this time, the house and mortgage were under my wife 's former name : XXXX XXXX XXXX. Any discussions regarding the mortgage could only be undertaken by her, despite our having married in XXXX. 

XXXX and I entered into a 30-year fixed-term mortgage with XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX, with mortgage and title in both of our names. We terminated my wife 's old mortgage ( loan # XXXX ) at that time. All the necessary fees and closing costs were paid out at that time. PHH Morgage Services paid XXXX XXXX {$6100.00} in property taxes on my wife 's behalf in XX/XX/XXXX. They paid us a balance of {$1400.00} out of the escrow account held in XXXX XXXX XXXX name early in XX/XX/XXXX..I have not yet cashed their check for {$1400.00}. 

The error occurred when we discovered from our tax accountant and from the XXXX XXXX Tax Collector   that a double payment of of an extra {$6100.00} was paid to XXXX XXXX in error. The second property tax payment is not due until XXXX of this year. My wife has made numerous phone calls to PHH so that we can receive this over-payment of {$6100.00}. The conversations have been extremely difficult ; the people at PHH do not want to acknowledge and quickly correct the error. Their attitude is ignorance, as if they are hearing about our problem for the first time. They have subjected us to endless delays, and we have no confidence in their willingness to refund us our money. any time soon. 

Thank you very much for interceding with PHH Mortgage Services on our behalf so that we can obtain prompt and full satisfaction in this matter. 

Most sincerely yours, XXXX and XXXX XXXX cell : XXXX e-mail : XXXX XXXX
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MO)

XXXX XXXX originally disputed my XXXX insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few XXXX dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department XXXX XXXX in regards to them not originally accepting my XXXX insurance claim and refund of the several prepaid years of the insurance policy.
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MD)

My M & T Bank account was fraudulently charged through XXXX XXXX for {$960.00} on XX/XX/2020. I noticed it right away and called and reported the fraudulent charge to XXXX XXXX and my M & TBank. I had my debit card shut off and a new one sent to me. I started a claim with my bank and it was later denied. I appealed the denial at my local bank branch and that was also later denied. The Bank stated that the merchant provided proof of purchase but I in fact never made this purchase nor have I received any evidence of the proof of purchase.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

I lived in my home for over 6 years I lived in ( Maryland ) all my life and someone used my information to get a apartment in another state I called and the person live in a different address..
Consumer complaint received 2021-03-04
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. (UT)

I bought a XXXX XXXX XXXX in XXXX Utah, I got a car loan through XXXX XXXX XXXX XXXX XXXX, now called just XXXX XXXX. 9 before they used to say there were not part of XXXX XXXX and that they were completely separate from them, not true of course ) I have paid my car payment all 60 months. A couple of times 2 weeks late, another time 29 days late ( XX/XX/XXXX, when my mother passed away and I was in XXXX for 6 weeks ) I paid the car off in XXXX and 30 days later received the car title through regular mail. XXXX XXXX stated during the whole life of the loan that this car loan has been a " charge off " and it's entirety. That is not true. A charge off means when someone that owes money does not pay or stops paying. That had never happened. If that was the case, how come they sent me the title? How come I never had this car repossessed? How come I still have the same car? I have called them a minimum of 45 times, I have explained this to about 40 different people over the phone. Only to be put on hold and transferred and no one fixes anything. They say they will call me back with a resolution and no one does. I have wasted an incredible amount of time on this issue. I have disputed this with all credit bureaus several times. Even talked to Supervisors, " escalation teams '' to no avail. Credit Bureaus are siding with XXXX XXXX even though everyone in this country knows XXXX XXXX is an extremely fraudulent bank. The fact that they are reporting my car as a charge off when I have paid every month it's not only wrong, it is also a lie, it is illegal, fraudulent and corrupted it has dropped my credit score by at least 40 points. It has prevented me from renting another place to move ( because of low credit score ), it has also prevented me from getting a newer vehicle and it also due to an excessive amount of stress and anxiety trigerred an XXXX  XXXX which I will have to deal with for the rest of my life. It is called XXXX XXXX XXXXXXXX. I will have to be on medicine every day for the rest of my life. This XXXX is not curable, it's just maneagable. I have been dealing with this problem for 3 years, I have been on the phone with everyone involved an incredible amount of time to no availability. Please look into it as soon as possible.
Consumer complaint received 2019-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

student loan reporting incorrect and inaccurate with all 3 CRA same account information on credit file reporting 34x, agency re-payment program unreasonable monthly payment request are not within my budget and all accounts merge as 1 account not 34 accounts, remove data from file ... agency violated FCRA provisions 605,607, 611 and 623 ( a )
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Thank you for taking the time to read this letter. Im writing because I noticed that back in late XXXX and early XXXX I made late payments in one of my credit cards. After checking my recent credit report. 

I want you to know that I understand my financial obligations, and if it werent for, I being jobless and moving around from place to place, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have gained a stable job and a new home I have been making my credit card payments every month Since then. Ive had a spotless record of on-time payments. I tried paying off the late payments but the company would not work with me and raise the interest on my credit card payments which made it more difficult to pay. They offered little to no help which made me fall behind more. 

Im planning to apply for auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on my account. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a free subscription to XXXX XXXX as part of the XXXX   breach. I get the emails, so I know I have an account. However, when trying to login to view the account, it does not recognize any username/password. When checking " dont remember username/password '' it requires that I submit social security and name. I do this, and it returns back to the same screen. Each time. I have looked for any contact information on the site and there is none. Frankly, this makes me more nervous than the actual breach. This company knows everything about me, and I can't get in touch with them.
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I ordered a XXXX using my PayPal account. It was supposed to stretch my back. Instead, an order from XXXX arrived with a cheap piece of plastic that collapsed when I put my back on it. After trying to resolve the issue with the merchant, who did not provide a sufficient response, I turned to PayPal to dispute the charge, which I should be allowed to do for merchandise that was not received as advertised ( AKA a back stretcher that didn't collapse ). PayPal responded that for the {$34.00} purchase, they would require me to ship the item back to THE XXXX AT MY OWN COST, likely costing substantially more than the {$34.00} I paid for the item. This is unacceptable. PayPal advertises that it protects consumers but this is not protecting us. The case ID with PayPal is # XXXX.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

CFPB investigations of the wrong account. I will like XXXX award account not a student loan that was included in the bankruptcy in XXXX the account was open in XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

As of today XXXX XXXX, 2017 I sold my shares of XXXX at the coinbase website with the currency amounting XXXX After selling the currency, the USD wallet disappeared with no way to be able to send the funds back to my personal bank account - also no email confirmation of transaction Money and wallet disappeared. Have tried to reach out to to their customer service several times with no reply dating back to 3 weeks for other issues as well.
I believe this company is fraudulent and needs to be investigated.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP (ID)

I was offered a settlement in full offer of XXXX dollars by XXXX XXXX XXXX XXXX XXXX for my account from key bank that I paid over the course of XX/XX/2021 to XX/XX/2021. They then said to the original creditor that I defaulted and now my supposed debt is at XXXX XXXX XXXX and is almost XXXX. I need help please.
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (LA)

I was served through the City Court notice that XXXX was trying to collect a debt through law firm, Rausch, Strurm, Israel, Enerson , & Hornik, LLC. I corresponded with one of the lawyers, XXXX XXXX, about my debt via email. He decided the pay off would be {$500.00} dollars by XX/XX/2017. I paid the amount and I have proof it was cashed. I have contacted the firm, and put in a complaint. They have not responded.
Consumer complaint received 2022-05-02
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: National Consumer Telecom & Utilities Exchange, Inc. (KY)

On XX/XX/XXXX I faxed my IDs so NCTUE could update my information & address and have NCTUE mail me a full report. Never received it? 

On XX/XX/XXXX, again, faxed my IDs so NCTUE could update my information and have NCTUE mail me a full report, never received it? 

Plus I have attempted to access the automated system many times, putting in my ss #, house # & zip code, I am never recognized. 

I have never received any letters from NCTUE telling me about any type of problem on why my report can not be mailed? 

I have included the both faxes sent to NCTUE.
Consumer complaint received 2018-02-17
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. (FL)

A company called XXXX XXXX XXXX XXXX I had a bank account with them, it seems as though the company sold or changed name and is now called XXXX XXXX XXXX, well they have a account that they placed on my credit report, the problem is that I did not know that they report checking accounts ... but let me explain I had a tax check from the mother of my child that went into my account, the irs deposit the money in my account ... we started to use the money in the account to make transactions, when we went inside the branch to make a withdrawal the teller profiled is racially and decided to bring up the company policies, Im not saying that it was not the companies policies but they only said something because it was a lot of money and how can two young XXXX Americans come up with this money neglecting the fact that I have a account with them and they know by application that I was at my job for numerous years.. they took back the money right there and then and returned it to the irs, now because we had pending transactions that did not clear yet a chain reaction occurred now each item overdrafts the account and it was many transactions that was pending.. I called the customer services they assured me that they would reverse the fees due to the fact that its not my fault and they were the ones that took the money away that would have covered the pending transactions ... they never kept their word and promise the account was overdrawn like {$710.00}, then it somehow got to {$810.00} and they threw it on my credit ... now this company acted in bad faith doing what they did my account was in great standing up until they did that, and they promised me so they should have filled through with the promise to remove the fees
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of america is blocking me from making a transfer from XXXX XXXX  currency trading app. I was just wondering if i was able to be unblocked to be able to transfer the money from my XXXX  account.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Today, XX/XX/2018, I tried to log in to my chase account. It said my account is suspended. I was just at the bank earlier so I dont under stand this. I spoke to 4 different people on the phone and they all said my account was being closed by chase and they wouldnt give me a reason why. Thy just said they were closing it and there was nothing I can do about it. I do not owe them any money.
Consumer complaint received 2018-10-29
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I recently opened my credit report and discovered unknown accounts ; XXXX XXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

I have a mastercard from Sears ( SYW ). This company offered a promotional balance transfer for the transactions of {$500.00} and over would be paid within next 12 months after the purchase date. I made few purchases over {$500.00} in the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018. They have charged me twice the amount of charge meaning once they added that amount into current balance as well parsed that amount for payment over 12 months. This's called 'double dipping ', I called multiple times, agent do understand my point but unable to help fix fraudulent charges made by credit card company. They would always hang up and disconnect the call. Now I think it's useless to call them anymore. May I seek your attention to get it fixed while imposing any penalty for this fraud committed throughout the nation. Should this case be referred to courts, may I seek competent attorney who can help resolve this issue?
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MD)

I applied for a Citi American Airlines AAdvantage Platinum Select World Elite Mastercard on XX/XX/XXXX and was approved the same day. When I applied, the terms and conditions on the XXXX website stated that I was not eligible to receive a new sign up bonus if I had received one within the past 24 months. The last time I received a sign up bonus was in XX/XX/XXXX. The credit card promotion stated that I would receive XXXX American Airlines miles after spending a minimum of {$2500.00} within 3 months. The promotional material I received with the physical card that was mailed to me stated that I would receive XXXX. I spent over {$3300.00} within the first two months and did not receive XXXX. I called Citi customer service on XX/XX/XXXX and explained the problem and they stated that I should have received the bonus but that they needed a supervisor to investigate why I had not received the bonus. They flagged it for review and told me I would receive another call within 2 days. After receiving no call, I called back and spoke to another agent. After investigation, the agent advised me that I was not eligible for the bonus because I had received a bonus within the past 48 months. She advised me to " XXXX '' the new terms and conditions that had since come in to place. I was able to follow her instructions to the Citi website and saw that Citi had changed the terms and conditions after my application was approved. I asked that they manually credit me the XXXX miles since I applied prior to the change and they stated they would not.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (SD)

Prepaid card was loaded with {$50.00} but once expired wouldn't renew making me out the money and the company XXXX the balance and keeping the funds. No different than theft and zero notice to use.
Consumer complaint received 2018-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/18 I went to Bank of America in XXXX, NJ to make a {$1000.00} cash deposit into my mother 's account. I handed the teller the deposit slip with account number. She refused to accept the deposit because I was not on the account. I would have had no problem providing my identification, social security number etc. However, they refused the deposit. My mother was on the phone with me while I was attempting to make the deposit. She gave them authorization to allow me to make the deposit but they still refused.