davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

Back on XX/XX/XXXX citi bank allowed my account to be hacked and the email information as changed. When this was done the individual that hacked my account then enrolled my account in the wire transfer service and proceeded to transfer {$800.00} out of my checking 's and then another {$900.00} from my savings. I called Citi bank immediately and they advised that i had to do an affidavit in the branch and have it sent over to the investigative team. I did an affidavit for both account with a branch manager at their location near XXXX XXXX  off XXXX  and XXXX XXXX. She sent in the information and convinced me that opening a new account with them while the account was being investigated was my best bet in getting my money back sooner. I was told that the investigation would take 60 days. I got s letter then stating that the investigation was closed because I had never sent in the required affidavit which i watched her fax. So I went into another branch on XX/XX/XXXX and re opened and submitted the documents for both events. On XX/XX/XXXX I received a credit for the {$800.00} that was stolen from the checking 's but the {$900.00} from the saving 's is still in limbo. So i called the bank again and spoke to another rep and they stated that they saw that the information was identical to the one i was awarded and that he would re open it to have the funds reversed. And now today XX/XX/XXXX I a still waiting on a response from citi bank for an incident they told me should take no more than 60 days. I tried to get detailed notes from the rep that was helping me and she advised me she can only give me a first name. I asked for an employee ID and she stated she didnt have one. It wasn't until i stated that i needed detailed information for an attorney she found an employee ID. Its crazy that i took someone less than 10 minutes to steal from me but it has taken citi 17 months and counting to get the funds replaced
Consumer complaint received 2017-07-29
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

I am refinancing my home. I was working with both XXXX XXXX and XXXX. The XXXX ran my credit without my consent. I only found out when this ended up on my credit report from XXXX.
Consumer complaint received 2019-10-29
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: BARCLAYS BANK DELAWARE (TX)

There was fraudulent charge made on my card at a wireless store. I notified Barclay by phone 5 times emailed and faxed them over a 2 month period. I have been unknowingly paying for the charge for over a year because I have all cards set up on autopay and recently relized when my bank account was compromised and had to set up all accounts again on new account and realized I had two Barclays payments coming out. I am getting the run around and no help from Barclays!
Consumer complaint received 2018-02-01
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. (MS)

I got a notification from XXXX XXXX about a hard inquiry on my credit report. I have not authorized any creditors to access my credit history. I believe the inquiry in question was supposed to go on my father 's credit not mine. We share the same first name but that is all. The company in question is XXXX. He applied for a contract with them this week. XXXX assured him that his credit was checked using his social security number. Somehow, it ended up on my Equifax credit report. It has not appeared on XXXX report yet.
Consumer complaint received 2018-02-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Dear Sir or Madam, Last XXXX I applied the XXXX  card from bank of America. According to the terms and conditions, I can be qualified to get XXXX XXXX bonus miles and {$100.00} statement credits plus annual companion fare after making purchases of {$1000.00} or more within the first 90 days of opening your account. 

I did make the purchase in 90 days and noticed I didn't receive the bonus last XX/XX/XXXX. I called BOA and the associate said I didn't match the qualification because I only spent {$930.00} cause the annual fee {$75.00} didn't count the purchase of {$1000.00}. However, the associate even checked the terms and conditions and didn't find any statement about annual fee isn't a purchase. The associate said I should be qualified to get bonus so he helped me to file higher level in BOA to get my bonus back. 

On XX/XX/XXXX I got a mail and it said I didn't meet the requirement to get the bonus because I didn't spend at least {$1000.00}. I called BOA again for the details but they just said its final decision and wont be changed and no one can answer why annual fee isn't a purchase that I paid for the service of BOA. 
They even suggested me to reapply the same credit card and pay {$75.00} annual fee again then spend {$1000.00} in 90 days so I will get bonus. I am so disappointed that BOA used tricky ways to get more profits for their credit card business.
Consumer complaint received 2022-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (UT)

This company has stolen my identity and has charged up 3 different cards and is illegally collecting on debts that I believe someone in their company opened. They can NEVER provide signatures from receipts or even the contract. This company has also illegally changed my address on my credit report TWICE!!! They have NEVER confirmed any information with me and I am still waiting for proof that the letters from the original creditor were actually sent. They can copy/paste and change the date on the letter to have it fit their narrative. They have harassed me over a debt that isn't even valid. They have NOT followed fair debt collection practices. Where is the signature? Where's the
Consumer complaint received 2017-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

I emailed LoanCare to confirm that if I made a one-time principal payment so that the principal value of my loan reached 80 % of the original value of the property securing the loan, and the appraisal showed the value of my home had not gone down, I would be able to cancel my PMI.
Instead, LoanCare sent me a letter setting forth additional conditions that I would have to meet to remove my PMI, conditions that I do not believe are permitted under the Homeowner 's Protection Act, including that I would have to wait at least two years to terminate my PMI ( See Attachment A ). Then I called customer service to talk about whether or not I would have to wait two years until LoanCare would let me terminate my PMI. I spoke with Customer Service Manager XXXX XXXX, who told me that there was a two-year " seasoning condition '' on my loan, such that I could not cancel my PMI for two years. ( See Attachment B ) ( email from XXXX XXXX directing me to website with information about two year seasoning condition ). I do not believe that " seasoning conditions '' are permitted by the Homeowner 's Protection Act. ( See Attachment C at page 6 ) I am now thoroughly confused and no one on LoanCare 's customer service team has responded to my repeated requests for clarity.
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-10-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Franklin Collection Service, Inc. (MI)

Franklin Collection Service called me at work, caller 's name was XXXX XXXX. When XXXX identified herself and told me that she was calling from a debt collection agency, I told her that I can not accept these calls at work and that she needs to call my cell phone. XXXX then yelled at me and told me that she can call me anywhere that she wants. I then got very upset, and I told XXXX that she is under no circumstances allowed to call me at work, as my employer does not allow it. XXXX then yelled at me again and said " then why don't you pay your bills? Maybe if you'd just pay your bills, I wouldn't have to call you at work. '' I told XXXX that if she did not quit harassing me, that I would be speaking to my lawyer. XXXX said " you go right ahead and get your lawyer, ma'am, he ain't gon na help you. You need to pay your bills. '' I then asked for XXXX 's full name, she said " XXXX, but I already told you that, you don't listen. '' I said " What is your last name XXXX? '' She said " XXXX. '' I said " What is your phone number where I can reach you at? '' She gave me the phone number. Then I asked to speak with her supervisor. XXXX said " you can speak with my supervisor, ma'am, but he ain't going to do nothing for you. '' The supervisor was a male, and he was just about as rude as XXXX. He got very offended when I asked for proof of my debt through XXXX, and he again told me that I just needed to pay the bill. I told him that I will not be paying any bills, as I do not believe that the amount is correct, and I am disputing the balance. Supervisor still pushed to have me " take care of my bills '' after being told I was disputing it. I told the supervisor if they wish to see any payment, they need to have less attitude and treat people with respect. I said " I have already told you that I am disputing this charge, and if you do not quit harassing me, you can follow me around for the next 7 years until it falls off. '' At this point the supervisor stated to me " I see that you know your rights. You have a good day, XXXX XXXX. ''
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America is still under investigation with XXXX and XXXX. 
I am updating you with more proof this account does not belong to me and should not have been re-inserted on to my credit without giving me 5 day notice and without actually providing proof of verification. The case ( BANK OF AMERICA, N.A. vs XXXX XXXX ) has been denied IN THE STATE OF XXXX XXXX STATE OF GEORGIA. PLEASE REMOVE THIS ACCOUNT until you provide the proof requested in my previous letters sent to you to VERIFY this account. If you verify this account, PROVIDE the method of Verification. I do not consent to E-Oscar and would like for a REAL response with RESULTS. Remove Both Bank of America accounts immediately! The investigation is set to be done by XX/XX/2019. I ask that you include this in your investigation now!
Consumer complaint received 2023-02-17
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. (CT)

UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIMXXXX I AM SO TIRED OF THIS BACK AND FORTH BETWEEN TRANSUNION AND THEM PERFORMING BUSINESS MISCONDUCT AGAINST THE UNITED STATES CONGRESS AND ITS LAWS UNDER THE FCRA . CONGRESS DEMANDS THE ELABORATE MECHANISM WHO IS TRANSUNION TO EXCLUDE! TRANSACTIONAL ACCOUNTS UNDER 15 USC 1681a ( 1 ) ( 2 ) AND TRANSUNION WILLFULLY PERFORMS AGAISNT CONGRESS AND HAS NOT REMOVED THE ACCOUNTS REQUESTED AS DEMANDED BY CONGRESS. TRANSUNION IS IN CONTRACTUAL BREACH OF THE METRO 2 COMPLIANCE AGREEMNET 2-1 page 18 WHICH CLEARLY STATES " Automated Data Accepted by all consumer reporting agencies, the Metro 2 Format enables the reporting of accurate, complete and timely credit information. Meets all requirements of the Fair Credit Billing Act ( FCBA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. '' THIS REQUIREMENT UNDER METRO 2 COMPLIANCE INCLUDES 15 USC 1681a ( 1 ) ( 2 ) EXCLUSIONS!!!!!! TRANSUNION IS IN FEDERAL VIOLATION ND METRO 2 COMPLIANCE VIOLATION FOR WILLFULL NEGLECTION OF GRAVE DUTIES
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I applied for a credit card from Penfed when they sent me an ad saying I'd been pre-approved, However I was denied the card primarily because a credit-report from XXXX  shows a Serious Delinquency according to their letter of XX/XX/20 Ref No. XXXX. However the report is either incorrect and/or Penfed is incorrect because I've downloaded the report from several credit reporting outfits and there are no such delinquencies.
Consumer complaint received 2017-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (NM)

CMRE Finance, placed on my credit report twice the same amount for the same day ( 1.
CMRE FINANCE N/A Collection/ Chargeoff Learn More {$470.00} XXXX XXXX, 2017 2.
CMRE FINANCE N/A Collection/ Chargeoff Learn More {$470.00} XXXX XXXX, 2017 ) charge off for medical bills. I had called them and told them that I was covered by the XXXX XXXX and XXXX and used providers in the insurance group ... that I was Not responsible for the amount not covered by insurance and according to medicaid I do not owe this, as the hospital and doctors ( under contract ) has agreeded to accept as payment in full from insurance company for the services that were given to me.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (CT)

I wasted an hour on hold today trying to dispute a transaction. The company offers no facility for doing this in writing, and I can barely hear the representative who barely speaks English anyway. 

On XXXX XXXX at XXXX AM I placed an order with XXXX Eats. They kept pushing back the time of delivery until it was over two hours. I had to go to work so I cancelled it. They told me they wouldnt provide a refund and they expected me to wait as long as it takes. 

Eventually they apparently issued a partial refund ( {$7.00} at XXXX that evening ). 

I want the rest refunded.
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

I received a bill from CMRE for an ER visit which was paid directly to the doctors office by my insurance company. I informed CMRE that this bill was not valid and requested that they send it back to the original biller to submit an accurate bill. I informed them via certified letter within the 30 day window that the biller they are collecting for XXXX XXXX XXXX XXXX XXXX has never sent me a bill for the date of service in question and that I have an EOB from the insurance showing that they were paid directly by the insurance company
Consumer complaint received 2017-07-29
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: Experian Information Solutions Inc. (TX)

I have a ton of automobile inquires ranging from XXXX -XXXX and one mortgage inquiry in XXXX that I do not recognize nor did I authorize. I have tried to dispute this with the credit bureau ( XXXX, XXXX, and Experian ) via fax, email, and phone. Then continuously tell me that I these are statements of fact and I applied for credit and they ca n't be removed. One employee of XXXX told me that I applied for this credit even after I told him several times, I did not. So the fact is that companies can place a hard inquiry on my credit report without my authorization. I 'm not talking about the firm offer of credit, insurance, court order. Those I understand but these hard inquires are neither. That is pretty alarming and I want resolve this issue without having to mail letters to 35 different cm having to
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had fraud on my account. Capital one did send me a new card and credit back the fraudulent charges however they reported the balance to the credit companies ( XXXX and XXXX ) and my score has dropped drastically .This needs to be fix asap
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

In XXXX I took out a mortgage with XXXX XXXX XXXX XXXX for the amount of {$340000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise, the mortgage monthly payment and interest rate were higher than promised, and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and the inflating interest rates. On XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's  office. The assignment of mortgage assigned the mortgage from XXXX   XXXX XXXX XXXX XXXX XXXX as nominee for XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX started a foreclosure action against me in the amount of {$340000.00} which is about {$3200.00} from the original mortgage 7 years earlier but I had already paid about {$130000.00}. How is that possible?
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

On XXXX XXXX I called Capital One for my balance due and immediately made an XXXX from my checking account for the full amount of {$8900.00}. I now have gotten a statement charging me and additional {$14.00} in interest. I called Capital One and was told I would have to pay that interest because I did not ask to speak to a representative and ask for the " pay off amount ''. At no time do they ever advise you of this when you call in nor do they have the option of pay off balance only balance due. When I pointed this out to the representative she informed me that I would still have to pay the additional amount. Being that their call in did not offer the correct information or option to pay the bill in full I do n't feel I should have to pay the additional amount.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (DC)

I have rented several apartment and homes over the last seven years, which come with numerous bills in my name but for some reason, I do not appear to have any credit. Any time a service runs a report on me, nothing comes up. It has caused recent issues with a rental I am entering into an agreement with and I would like to figure out why this is happening.
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

on XX/XX/XXXX XXXX AND ON XXXX XXXX i was contacted by debt collection company by the name of south west credit systems in regards of a debt .ias a consumer and a natural person i am not obligated to pay an ALLEGED DEBT ..i have asked this company to remove my number from their files cause they have the wrong person ..im demandind this company do not resell this false debt to no other debt collector. THIS COMPANY HAS CONTINUED TO HARRASSED ME ..THIS IS A VIOLATION TO MY RIGHTS AS A CONSUMER ...
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I sent XXXX Deposit to Coinbase of XXXX euros on XX/XX/XXXX and they got my funds on XX/XX/XXXX. In  the platform, it is written that my funds will be on my EUR wallet before XX/XX/XXXX, but it is still pending. I have got multiple tickets and sent them emails, but I have got no response from them. 
Case # XXXX Case # XXXX Case # XXXX This is unacceptable that they freeze my funds for a month without any explanation.
Consumer complaint received 2017-07-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Continental Finance Company, LLC (GA)

I 've made a few payments for this debt after they threatened to deliver a subpoena for a lawsuit. The debt is valid but when I tried to find identifying information about the debt collector, I was unable to. They have been very aggressive with phone calls and threats. I believe this company does not own the debt nor are they authorized to collect. Their web site XXXX is currently inactive and parked by XXXX. I have not received any replies to my email messages either. I believe they are using SMTP spoofing to send me messages I ca n't reply to. The only information I have for them is mail address and XXXX phone numbers, but they are registered to other companies. XXXX and XXXX are the numbers I know of for them. My contact there is XXXX but he did not provide a last name or alternate contacts. XXXX XXXX is an ambiguous name. The only company. I found as XXXX XXXX or XXXX XXXX XXXX has filed for bankruptcy and is no longer in business. Business directories show the business as an investment firm, not a collection agency. It is my firm belief that this company is scamming people out of their money. I have not received any mail from them, either. Please advise.