davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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: CITIBANK, N.A. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX, DE XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX I deposited a check for approx $ XXXXinto the ATM, this check was from an out of state client and was drawn on another bank. Much to my surprise, I was granted full access to the funds which was a Saturday. I waited until Monday, XX/XX/XXXX to go to the bank and made sure the funds were truly available. The teller said it was available, all of it, I proceeded to take out {$2500.00} of the available balance in cash and went to another bank ( XXXX XXXX XXXX ) and deposited it into a said account that was the client 's sub-account. Later that day alarm bells were going off at Wells Fargo saying the check was being returned and I was out my {$2500.00}. That check should have had a hold of at least 2-3 business days to clear and not made available to me, the bank customer. This has caused me great distress. The client has not been able to be reached as there as out of the country for several months. At this point, nothing has been done by Wells Fargo to make this right. I have filed a Police Report with my Local Police force. They also agree the bank is at fault. The Wells Fargo Branch is known as the XXXX XXXX Branch in XXXX Md. I have attached the check in question and the deposit slips I received My contact there is : XXXX XXXX Assistant Vice President Branch Manager XXXX XXXX Maryland Wells Fargo Bank | XXXX XXXX XXXX | XXXX, MD XXXX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2017-02-15
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was speaking to a manager named " XXXX '' he was ok to talk to and when I called to speak with him to pay it off as it was a pay to delete the woman on the other end of the phone who was the " manager '' on duty she told me to go XXXX myself and other prophanity they do not pay to delete. I was promised over a recorded line they would delete this and it would not affect my credit score.
Consumer complaint received 2022-09-07
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: MUFG AMERICAS HOLDINGS CORPORATION (MD)

I sent the police report, the date of the fraud, phone number of person pretending to be XXXX -rhey insisted that I owed them {$4000.00} after accessing my computer with a software program. I contacted the bank right away and they reversed my charges. Then, 3 months later they said that the charges were legitimate and I was responsible for the charges. I had purchased gift cards on my VISA credit card issued by XXXX. 
This vendor cashed these credit cards, so Union Bank VISA considered them legitimate.

I have received nothing in writing that this has been resolved and only called the number of the Fraud Department in order to rectify the charges. Now, they say I owe the whole amount. It was Fraud and gave them the phone number that I contacted on and even called XXXX about the gift cards and they had all been cashed. 
My credit card with Union Banki # XXXX, would like this resolved and put the responsibilty on the fraudulent vendor.
Consumer complaint received 2016-08-24
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Received unsolicited letter via XXXX XXXX from Lakeview Loan Servicing Friday XXXX/XXXX/16 offering a VA XXXX loan, which is a VA Interest Rate Reduction Refinance Loan at 3.25 % ( 3.26 % APR ). 
Letter indicates this is a special offer and I need to act now : There are No Origination Fee, No Underwriting Fee, No Processing Fee. This is a streamlined VA process, no Certificate of Eligibility, No Appraisal, No Minimum Credit Score, No Employment Verification. 
The rate offered is 3.25 % fixed for 30 years and gives my specific loan details. 
The letter is signed by XXXX XXXX, Senior Vice President, Loan Originations. 
Indicating I need to act quickly to lock in my low rate by calling before XXXX XXXX, 2016. 
They are the company who is servicing my loan already so they have all of my information and details. 
Called Lakeview Tuesday morning XXXX/XXXX/16 around XXXX and spoke with XXXX XXXX XXXX. XXXX requested letter to be scanned and sent to him XXXX that same day. After a few back and forth emails he could not honor the agreement. 
I spoke with his manager XXXX XXXX at XXXX, XXXX made a number of statements of which I question the accuracy. He mentioned the 3.25 % is available but I will not get the lender credit. He also mentioned the company could do 3.5 % and I get the lender credit, which is the better deal and makes more sense. 
I requested lending disclosure documents for 3.5 % with the lender credit. 
Later XXXX XXXX sent an email link for loan documents soon after that. 
The loan documents list the no fees as promised in the advertisement and overall look correct, except there appears to be some questions how they came up with some of the closing prepaid fees and escrow account. Understanding how this works, I questioned the documents and was given an answer of questionable accuracy. 
I have requested numerous times to get the offer that was advertised they have not been forthcoming.
Consumer complaint received 2024-01-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (NJ)

On XX/XX/XXXX XXXX XXXX XXXX XXXX transferred all personal loans to System Service Technologies ( " SST '' ). More information on the transfer can be found under " FAQs '' on the XXXX website : XXXX XXXX XXXX # transfer XXXX advised customers that it would no longer accept payments after XX/XX/XXXX. My payment being due on XX/XX/XXXX, I promptly and before the transfer to SST occurred made my personal loan monthly installment payment to XXXX on XX/XX/XXXX. XXXX, and SST confirmed via telephone representative on XX/XX/XXXX, received my payment from XX/XX/XXXX. They decided, however, to not credit that payment as a monthly payment and instead considered it an " extra '' payment and transferred my loan to SST who says I continue to owe a XXXX payment. In other words, I paid my monthly bill to XXXX prior to the transfer and thus should owe SST  for payments from XXXX onwards, but SST refuses to credit my XXXX payment. 

This payment is {$410.00} per month and was properly paid and thus should not be double owed by the consumer simply because of the loan transfer. The SST representative informed me that it was XXXX 's " accounting error '' that prevents my XXXX payment from being credited with SST, but that " accounting error '' should not be the consumer 's problem where the consumer has timely made payments. Many other individuals, including myself ( here, {$810.00} ), are not in a position to make double the monthly payment. 

I ask that the CFPB look into this XXXX-SST loan transfer to ensure that consumers ' payments are properly credited. 

Moreover, am unable to check that my payment was processed correctly because neither XXXX nor SST will provide statements for the loan in question. I am left without any recourse for obtaining the transaction history, as XXXX always had those statements in the online portal that is now empty and inaccessible.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

On XXXX XXXX XXXX This company is reporting that I tried to apply for bank credit card which is incorrect they was not clear about running a hard pull on my credit what was explained to me was that it would be prequalified soft pull not. Hard inquiry I in fact didnt not give them no consent what so ever to run a hard pull on my credit profile now because of this my credit score has dropped significantly and I would like to know why was I told by there website that the prequalified selection was indeed a soft pull I never asked or wanted to move forward with them to even have them run a hard
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted notarized letters on XX/XX/2016 and on XX/XX/2016 in regards to US bankruptcy XXXX. As of XX/XX/2016 I contacted the original creditor they have listed as reporting the listing at XXXX and spoke with XXXX who informed me that they have not done any reporting whatsoever to ANY agencies to include the credit bureaus. This has led me to the conclusion that any previous correspondence informing me of an honest, thorough investigation was not only not completed, but the results were falsified. This is a major crime against me as a person and my consumer rights as well as my consumer rights. I intend to file suit if this bankruptcy listing as well as all accounts attached to said bankruptcy are not deleted from my credit profile.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$1500.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-17
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: BARCLAYS BANK DELAWARE (NY)

Hello I was astonished after have a Barclays arrival plus card card for 6 years the card was shut down with no call no warning. I paid the annual fee every year of {$89.00} and never missed a payment. They wouldn't tell me on the phone the reason I had to wait for the letter. Letter came said they found negative public record identified. I checked records that I could online and nothing came up. I called to find out where they got the information from after being on hold for 30 min. I was told they do not have access to that info. 
After all this I had XXXX points which I could redeem for travel they refuse to give me those points or use them as well as no refund for the additional month left of my year from the annual fee I paid. 
Please help Thank you
Consumer complaint received 2018-03-21
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: Bridgecrest Acceptance Corporation (FL)

I have tried to resolve the issue of the payment posting date with Bridgecrest. They were paid prior to the posting date and have documents to show. They reported my payment 30 days late to the credit bureaus. I called numerous times and all they send me is a letter to show the debt is paid in full. They are not helpful what so ever. I still receive call to get people to come purchase cars. I reached out to their social media no resolution. it made my score drop considerably. I wrote a letter to explain how I have made on time payments and to please reconsider and still nothing. I see numerous complaints from the company and this is the very reason why I saved to get a better vehicle and a company that actually will try to listen. I see this is a common practice with them. I tried disputing with the credit bureaus but all they did was update the paid in full date the same as the delinquent date which makes no sense. They just updated comments and didn't bother to further investigate.
Consumer complaint received 2017-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There are inquiries on my credit that I did not authorize I am a victim of identity theft and need these removed this has been so much trouble and problems for me
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MI)

I just sent this to Macy 's but hope you will follow up too! 

XX/XX/XXXX To : Macy 's XXXX XXXX XXXX, OH XXXX From : XXXX XXXX Customer Dear Macy 's Customer Service, I have been a credit card customer for around 6 years and a non-card customer prior to that. I recently received a bill with a {$27.00} late fee. I double checked my online credit union bill pay which showed that my payment in fact did arrive on the due date, XX/XX/XXXX, on the bill I received in the mail. 

As I was busy, I went ahead and paid the balance and late fee, intending to call later. My balance was XX/XX/XXXX was now {$98.00} which included a {$27.00} late fee. But because I 'd learned earlier that customer service ca n't give an exact amount owed due to interest, I rounded off to {$100.00} and paid the bill. I noticed a message popped up on the Macy 's bill pay saying that in order to arrive on time I now had to send in the payment 4-5 days earlier, similar to sending a check in the mail. I did so, but was stunned that Macy 's would be so unethical. NO OTHER credit card company I use does this. In addition on my bill it states this : Late Payment Warning : If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to {$37.00}. 

My XX/XX/XXXX payment had in fact arrived on the date listed but I was assessed a late fee. Then I got a bill XX/XX/XXXX with an {$.00} balance. So I called. Customer service removed the {$27.00} late fee minus the {$.00}. I will receive a credit but my concern is the short billing period to pay and the ability for Macy 's to make tons of money off unsuspecting customers using bill pay. 

I plan to cut up my Macy 's card after receiving the credit as I do n't ' want to support what amounts to " Gotcha Capitalism '' and to warn friends. I 've been hopeful that regulations would fix credit card issues but this is discouraging. I really enjoyed shopping at Macy 's but this is in my mind, unethical and I can not support it. I 'd be interested in knowing how much money Macy 's makes with this policy and fear that if customers do n't complain, other stores will follow your example. 

I would appreciate a response. 
Thank you, XXXX XXXX
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (WA)

My account statement sent on XXXX said I did not owe any amount for the payment due date XXXX. My account is also setup to automatically debit any amount due on the XXXX of every month via American Express systems and Amex initiates the payment when due. No auto payment was taken out on XXXX. My next account statement on XXXX said my account was passed due since there was no payment. This is in contrast to the previous statement saying " no payment due ''. I was also charged interest and fees due to the account balance. I pay the total amount due each month to avoid interest charges. I want the interest and late fee charges removed. I talked to American Express for 3 hours on XXXX to resolve the matter but they were no help ( phone log attached ). They admitted the statement for XXXX said no payment was due on XXXX but claim a payment processing error led to an amount being due after they sent the XXXX statement. A notice of this amount due was never sent to me in any written form.
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

XXXX XXXX, reporting on credit report. 
Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX closed by credit grantor/ paid / never late .. 
Expired time .. 11 years old on report
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

XXXX added a 30 day late negative to my credit report. However, on XX/XX/XXXX I did an overpayment to XXXX of {$140.00} as I frequently added extra money to the account because i shopped there frequently. XXXX refuses to acknowledge where the money went. It shows it was paid and my bank does almost all payments electronically and the account number hasnt changed. However, this payment cant be found by XXXX. While I want the {$140.00} back, I am even more irate about the 30 day late they put on my account. The representative told me that " this is accurate and can not be changed '' even tho I told her I paid and can provide them my bank statement. 

On the attachment of my bank statement, if you look at XX/XX/XXXX you will see the XXXX   payment. I used the same payment method for the last 5 years to pay it. 

They refuse to acknowledge a technical issue on their end and refuse to assist me. I tried to call twice and both times the representative told me I had no recourse even though this is an obvious error. I asked them why, after 5 years of higher balances always paid off on time, would i short XXXX for a payment at a random time. It makes no sense and XXXX doesn't seem to care.
Consumer complaint received 2015-06-05
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NC)

Six months ago, I paid an extra amount to be applied to the principal of my mortgage, however, the mortgage company ( Freedom Mortgage ) did not apply the amount to my principal, but listed it as " unapplied. " All my attempts to contact them have failed ( phone, email, and U.S. postal mail ).
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

XXXX XXXX XXXX XXXX XXXX  How is Trans Union reporting the account type as Open, while XXXX is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX XXXX not supply that information to you? 
Trans Union is reporting the date last active as XX/XX/XXXX and XXXX is reporting it as XX/XX/XXXX. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX I call Home Depot to make a payment of XXXX dollars the machine malfunction and said the amount of XXXX cents..I said no XXXX dollars, I called customer service to stop payment they couldn't stop it, then I called my bank but Home Depot had an already took my payment. I filed a claim to receive my refund but they told me that I had to wait for my refund..I 'm on a fixed income and they took every dime out of my account, I could not pay my bills for the month of XXXX because I have no money to pay my.bills. I spoke with someone at Citi Bank and was told I have to wait until XX/XX/XXXX to receive my refund.. Home Depot is a big corporation.why should I have to wait so long..I received a letter 2 weeks ago telling me that I'll receive a refund of XXXX cents, that's minus XXXX, still no refund.
Consumer complaint received 2022-08-10
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}, BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} or XXXX XXXX or XXXX XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.