davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (WI)

On XX/XX/2023 between XXXX I went to a Huntingtons Bank Branch and I went to one of there 3 ATMs to deposit money ( {$500.00} ) onto my XXXX XXXX XXXX XXXX XXXX . I did the same as I have done before and never had problems but this day the atm said upon depositing money I did not put the cash in machine in time and they were holding my funds and for me to contact my financial institution. The machine also locked my card for about 5 mins or so. I called the 1800 number on ATM, I also called both financial institutions when they opened up. My XXXX XXXX issued a dispute on behalf of me and on XX/XX/2023 I got a call saying it was denied. I then contacted Hungtington and visited branch and still got no resolution, neither did it seem as though they were empathetic to the matter or helpful in any way. I felt like the branch manager was not trying to offer any options to get matter resolved she was very short with me.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC. (NJ)

I originally attempted to settle/discharge with the State of NJ any alleged tax debt. 
They ceased all collection activities. 
Received first letter from XXXX XXXX with Pioneer letter header and responded with conditional notice of acceptance. 
Also received phone calls from XXXX XXXX, who called my son 's phone as well. 
Did not receive authenticated requested info. 
Received second letter with Pioneer letter head from XXXX XXXX which again did not provide verified information and I responded with Opportunity to Cure. 
Did not receive verified info. 
Received 3rd letter from Pioneer with State of New Jersey letterhead. 
Although I'm now confused as to whether or not XXXX XXXX works for Pioneer Credit Recovery or the State of New Jersey.

Either way I responded with letter of default as well as damage amount for the damages I have suffered from her antagonizing and harassing collection tactics. 
These damages are enforced by 15 USC 1692k.
Consumer complaint received 2023-03-24
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. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$4100.00} ; XXXX XXXX XXXX  Date opened : XX/XX/2021 Balance : {$520.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) Balance : {$620.00} ; XXXX XXXXXXXX Opened : XXXX XXXXXXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/2021.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (LA)

I called on XXXXXXXX at approximately XXXX XXXX XXXX XXXX  and spoke to some XXXX  lady so I call back and ask for management and the lady told me theres no one to transfer to and that they would tell me the same thing and hung up on me if you are someone collecting a debt you definitely want be hanging up on anyone. Just rude I want more info before paying this unprofessional company. With only XXXX person to speak to.
Consumer complaint received 2024-03-19
Product: Credit 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: CITIBANK, N.A. (FL)

On XX/XX/23, I received a text message from Citi 's Fraud Department alerting me to suspected fraudulent activity on my account. Upon further investigation, I confirmed that the transactions in question were indeed unauthorized. 

I immediately responded to the message, affirming that the activity was fraudulent. Additionally, I took proactive steps to fax my identification documents to the Fraud Department to aid in their investigation. However, I encountered challenges as I was initially provided with an incorrect fax number. Consequently, I had to resend the same documentation after obtaining the correct fax number. 

Furthermore, I have made numerous calls to Citi Bank 's customer service in an attempt to expedite the resolution process and ensure that appropriate actions are taken to secure my account. 

Given the seriousness of this matter, I urge you to take immediate action to investigate and rectify the situation. I have already provided all necessary information to Citi 's Fraud Department, and I am cooperating fully with their investigation. 

Thank you for your attention to this matter. I trust that CFPP will handle this situation with the urgency and diligence it requires.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NV)

On XX/XX/XXXX XXXX XXXX XXXX sent Convergent Outsourcing a letter for Validation of a alleged dent. They have been reporting this inaccurate information since the year of XXXX. I have sent them a XXXX  notice about the debt not being validated and I spoke to a representative from XXXX by the name of XXXX on XX/XX/XXXX who put in a dispute over the phone. Til this day the alleged debt remains and needs to be deleted from my consumer report immediately.
Consumer complaint received 2023-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/2018 I, XXXX XXXX Federally protected Consumer and Natural person extended credit to I.C. SYSTEM, INC using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent I.C. SYSTEM, INC a notice to cease and desist and a notice to validate the debt which they have failed to abide by. I.C. SYSTEM, INC is now civilly and criminally liable for violating my consumer rights. I.C. SYSTEM, INC union has yet to resolve this matter.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (SC)

In accordance with the Fair Credit act, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-27
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: Experian Information Solutions Inc. (CA)

I checked Experian for my credit score. The report states there may not be enough history to create a score so I have a XXXX. I've had an approx. XXXX for the past through XX/XX/XXXX. I went to get a car loan XX/XX/XXXX told there is no credit score on your Experian report. 
I also had a XXXX credit card listed on my credit report disappeared in XXXX. That would not affect a XXXX rating or drop in XXXX. 
Why would I have a credit card if not to build credit. Most if not all banks report credit cards on credit reports. 
Copies of evidence available if necessary.
Consumer complaint received 2019-05-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Worth Finance Corporation (TX)

Took out a installment loan which has, like most loans, a payoff amount which reduces the amount of interest that I pay out during the duration of the loan. For example, If I borrowed XXXX, @ 85 % interest my payment would be about XXXX. If I pay more than the XXXX, the extra funds go directly to the XXXX to reduce the loan amount minus the interest. 
On XX/XX/XXXX I took out an installment loan from Worth Finance, the business is located on XXXX XXXX XXXX XXXX XXXX Texas [ XXXX ] XXXX, I've been making all my payments on time. At times I've made bulk payments in the amounts of anywhere from {$300.00} to {$400.00}, figuring that the payments were bringing down the loan amount minus interest. Interest is added after the bulk payments has changed the loan amount. 
What Worth Finance has been doing, they've used the bulk payments as monthly payments, by doing that they have been collecting interest @ 86 % and never adding the bulk payments to reduce the loan amount. As you can see, if a customer pays out the loans early, they, Worth, losses interest. 
The contract that I signed makes no mention that they have the right to do that. If they would like to do such a thing I must be notified in writing, which I have not ever seen, much less received. It's in clear violation of the contract. When I approached the clerk, initials XXXX, I was told the computer does that they don't. Regardless it's not in the contract that such actions are being done with my or anyone else 's bulk payments. 
I'm sure they have doing it for month 's if not longer, I notified the Consumer Protection Division off XXXX XXXX here in Texas, to no avail. I'll be meeting with the manager today for the 3rd time to resolve the issue. 
My account number / XXXX XXXX/XXXX Office loan XXXX XXXX was my address at the time. I met with an company employee on XX/XX/XXXX. Issue was not solved. Again, blaming the computer as the culprit.
Consumer complaint received 2017-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

Never heard of the company, Midwest Recovery Systems until I started getting calls week of XXXX XXXX. They never leave messages. Reviewed my XXXX report today to see they are stating I owe them {$800.00} from the original creditor XXXX XXXX. This company does not exist calling from different cell # 's in the state of Florida. State Of Florida is not in the Midwest that 's how sad this is. This is ridiculous. It amazes me they call the week this was added to my credit report with no previous documentation stating I owe this bill, which I do not. I am highly XXXX XXXX  and plan to go to local authorities.
Consumer complaint received 2023-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EQUITY LOANS LLC (FL)

After my loan closing, XXXX did not fund my escrow accounts the amount from the HUD. They eventually paid the amount that was due for hazard insurance and property taxes but that put the escrow account into a negative balance then the escrows were reanalyzed and this increased my monthly payment by around {$200.00}. My loan closed in XX/XX/2022.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (AZ)

On Wednesday XX/XX/2019 at approximately XXXX XXXX, XXXX XXXX of " IC System, '' called me to collect a debt ( {$50.00} from XXXX XXXX XXXX ). At that time, I informed him that I would pay XXXX directly because that way they will be able to restart my pet 's health insurance which I was unaware had lapsed. 

At that time, XXXX told me that " XXXX would prefer that I pay IC systems '' when I asked why that was, he stated that " XXXX may not have my file any longer. '' When pushed, he admitted that he was entirely unaware of whether XXXX had my file. Accordingly, XXXX was attempting to collect this debt by making misleading statements ( a statement as fact, that he had no factual premise for ). 

Moreover, he proceed to call me a " piddly little person. ''
Consumer complaint received 2023-03-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo reported I was given {$12000.00} in income to the IRS. I never received any monies from Wells Fargo. My mortgage was transferred to XXXX XXXX  by Wells Fargo In XXXX. I additionally was under bankruptcy in from XXXX until XXXX.
Consumer complaint received 2019-05-29
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. (TX)

On XX/XX/19 I disputed the XXXX account with Transunion. Transunion provided results only saying the account was valid. I reached out to XXXX and requested they provide me with the proper validation of the debt. I also asked Transunion to provide me with the information they used to confirm the debt was valid. 

XXXX did not provide me with validation. Transunion did not provide me with their method of verification. This is a violation of the FCRA. 

Since XXXX can not provide me with proper validation how did Transunion validate the debt. Clearly XXXX did not provide Transunion with validation of the debt.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cell phone : XXXX XXXX XXXX I want you to investigate something that is not right on my credit report, the information I see is not correct. The law says that you must investigate it and give me an answer that is accurate. Thank you.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc. (MT)

Prosper Credit Card I got a little behind on my payments and incurred a late fee which put me over the limit and so I got an over the limit fee. Even though I made payments on my due dates they were not enough to cover the insanely high fees they started tacking on which drove my minimum due way up to a third of the balance and also drives the interest up to an unmanageable amount. So I canceled the card to get the balance paid down. They took away any access to my account online or in app so I have no real time monitoring of my account and what fees are being charged and I can not make payments. Every time I have to call and get transferred and its at least a half hour process every time. This month their department that can take my payment was apparently closed on my due date. Although they were open as someone took my call but they were just unable, I was told, to take a payment from me. So I get another late payment fee added. Its shady and wrong that not only do they keep adding insanely high fees and take away account access, but they make it difficult to make a payment and frequent payments as I get money so I can pay down my debt. I feel its shady, wrong, deceitful and predatory practices by a company taking advantage of its consumers. I now owe a third of my original balance just in fees and making a payment is very difficult.
Consumer complaint received 2021-09-21
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: JPMORGAN CHASE & CO. (IL)

Chase Credit Card from XXXX  has sold out to XXXX XXXX as of XX/XX/XXXX However, I contacted Chase regarding a charge from XXXX XXXX in {$50.00} non-requested, they would not accept my dispute. The recent bill shows the {$50.00} has been credit to my account and now there is {$130.00} charge from XXXX XXXX XXXX that I did not by or charge to this card. I have spent 7 days off and on calling Chase, they are not responding, you go around and around Chase has sold out to XXXX and the fraud is that XXXX is not answering either. Chase statement states PAYMENT DUE DATE IS XX/XX/XXXX : XXXX states " Beginning XX/XX/XXXX at XXXX ET you can pay your Credit card bill by visiting XXXX. This is the worst kind of fraud. Plus Chase will charge a late fee if you don't pay on time. I sent Chase ( *Cardmaster Services ) a certified letter mailed today disputing the charges and I would like to FAX these papers to you and you can read them I know that you are very busy. I want to cancel this chase card and never connect with XXXX that is in the XXXX both US and Not US and this connection is fradulent. XXXX
Consumer complaint received 2020-12-08
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I searched my XXXX  credit reports and found. that the CRA XXXX  XXXX just refuses to follow guidelines of FDCPA and the FCRA and perform a proper and complete investigation of my account # XXXX with Bank Of America.. First of all, the acct # XXXX ... 
should never have been closed & charged off and I will show the illegal reporting down below : 1. ) XXXX reports ( 3 ) three different amounts as the amount owed to Bank of America!! That is impossible and the reporting of this acct # XXXX needs to be Deleted immediately!!! It's impossible to owe '' B of A '' an amount of {$1000.00} when the max credit limit on the credit card was {$500.00}!! This acct # XXXX ... needs to be Deleted because of this inaccurate unverifiable reporting! XXXX  & '' BofA '' also list a third amount of {$490.00} as the figure owed to " BofA '' This amount is inaccurate also!! These are all violations of the FDCPA and the FCRA and the whole account # XXXX ... should be Deleted immediately!! 
2. ) Additionally, XXXX  and " B of. A '' also illegally reports a " '' past due '' amount on my credit report regarding this chargedoff collection acct # XXXX..That 's also a violation of the FDCPA and the FCRA because it exponentially & unfairly harms my credit even more!!! This acct. # XXXX ... should be Deleted immediately!! 
3. ) Additionally Transunion and Bank of America disrespects the FDCPA & FCRA even further by not properly investigating and properly categorizing their findings as prescribed by law!! The term of " NOT SPECIFIED '' being placed on my credit report is flagrant disrespect and wreckless disregard for the FDCPA & FCRA and an insult!!! The law is clear & Both parties refuse to tell the truth and Delete this account # XXXX. Please help me with these huge bullies!! 
They don't even bother to render an official opinion of the facts regarding my Acct # XXXX as demanded by law!! They both should be punished!. I have disputed these reporting issues with them both for over ( 2 ) two years and they have ignored me as if they think they are above the LAW!!! PLEASE HELP ME..
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

On XX/XX/22, I was the victim of identity theft due to an impostor scam. The impostor contacted me identifying as a fraud department employee from Citi Bank. I was scammed into completing XXXX transactions that resulted in the loss of approximately {$30000.00} from my bank account. I contacted the bank immediately the morning of XX/XX/22 to report concern with money transfers from my savings to my checking account that I was not making. I learned that the scammer had in fraudulently opened up two additional checking accounts. Citi bank completed their investigation confirming fraud and credited my account with {$18000.00}. Two transactions that occurred during the fraudulent scam have not been credited. Citi bank has refused on multiple occasions to credit the two transactions completed on XX/XX/22 in the amount of {$4900.00} and XX/XX/22 in the amount of {$4900.00}. Citi bank maintains their position that the Transfers are considered authorized and consistent with my transactions. I have tried multiple times to appeal the decision given that Citi Bank has honored my fraud claim and that Regulation E applies to any EFT that was unauthorized. I was deceived into authorizing those transactions and I, the consumer, received no benefit. Between XX/XX/22 and XX/XX/22, multiple transactions occurred in my account that should have been detected by my bank as fraudulent and inconsistent with my banking practices, putting me at high risk for identity theft. Not only did my bank not safeguard my money, they allowed transactions to occur after I reported the concern.