davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I am a new XXXX in MA and my pay is low relative to the cost of living in MA so I actively manage my accounts to make sure i do n't have overdrafts. Recently, I discovered Citizens Bank has XXXX ledger accounts. XXXX for the public which has a delay in reporting over the weekend and another which is in real time, which is not available to the public. I had XXXX overdrafts according to Citizens bank. My online account shows i had money in my account but their ledger shows I did not. Whereas I do not make a lot of money, if feel that I am being targeted by this bank for unjust fees because I ca n't keep a large balance in my account. It is an unfair practice that my account is assessed fees and they keep a separate ledger to take advantage of people who do n't make lots of money and ca n't maintain large account balances. I called the bank to get my money back but was flatly refused. This is a deceptive practice to make money and the this practices needs to stop. The public should have access to the same info they use to track funds. Not only do n't I have access to this real time ledger I ca n't even dispute their claim. I have to rely on their information even though my information, provided by them, does n't show my account going into the red.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act US Bankruptcy Court # XXXX has Violated my rights. 15 U.S.C 1681 section 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 a account without my written instructions.
Consumer complaint received 2022-02-11
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. (AL)

Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.
Consumer complaint received 2016-04-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

On XXXX XXXX, 2015 I had XXXX XXXX and XXXX of my XXXX by XXXX XXXX XXXX. The total for XXXX came to {$77.00}. On XXXX XXXX, 2015 I called XXXX XXXX XXXX and asked for any discounts since I did not have medical insurance XXXX in customer service reduced my bill by XXXX % and I paid the discounted rate of {$38.00} at that time over the phone with my Visa debit card. 

Over the next few months I continued to receive bills from XXXX XXXX XXXX for the discounted amount. Every time I got one of these bills I called customer service and was told they correct the error. 

Now XXXX XXXX XXXX has turned my account over to a collection agency. I do n't know if this company is so poorly run they can not correct a simple error or if they purposely keep billing people hoping they will pay what they do not owe.
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NM)

I submitted an application for an account with Citibank on the understanding that I would be eligible for a promotion with XXXX XXXX upon completing certain hurdles. 
I completed said hurdles, and contacted them XXXX XXXX as to why I had n't received the promotional miles. They stated they would open a case and look into it. I contacted them again XXXX XXXX, and I was told I would have an answer in XXXX to two business days. I contacted them again XXXX XXXX, and was put on hold via their chat system indefinitely ( disconnected approximately 3 hours after the rep said it would be just a few minutes ). I contacted them again today and they said that I was n't eligible despite fulfilling the hurdles. I 've also incurred a {$30.00} fee during my wait for them to act, which they said they would n't waive.
Consumer complaint received 2020-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Company : Bank of America Date : XX/XX/2020 Person ( s ) Involved : XXXX ( NMLS # XXXX & XXXX XXXX ) Issue : Pretextual Discriminatory Mortgage Policies in XXXX & Low Income Areas : Bank of America has internal policies and procedures that essentially excludes millions of potential homeowners through discriminatory policies : The policy indicates that properties in certain areas, a XXXX credit score is required. 

I inquired about a relatively inexpensive property of XXXX of which XXXX said 25-30 % would be required. I have the 30 % available in my checking account now and a XXXX score according to XXXX XXXX, yet XXXX indicated I have a of XXXX score. That said, XXXX immediately refused to provide alternatives or options and consistently demonstrated his unprofessional behavior for a BOA customer of 17 years. 

The Bank of America policy of XXXX or above credit scores seems quite discriminatory in that the particular area has the following factors : XXXX very low income, 2.a distressed area, 3. predominately XXXX and 4. public search indicates that a low percentage of people in that area have a XXXX or above credit score and state would qualify to purchase an investment or regular residential property. I cite discrimination based on the above factors. It essentially excludes the potential for home ownership. 

This policy excludes the potential for new XXXX and XXXX homeowners and landlords interested in rental properties. 

I have checked XXXX  and XXXX  and I have a score of XXXX in both cases. Even still, the analyst I spoke knows that I have 100 % on time payments and a 30 % down payment available. Will a XXXX person always be prevented from being landlord or investment owner based on pretextual policies put forth by BOA? 

How can the complaint be satisfactorily addressed? 
Implementation of Non-Discriminatory Mortgage and Finance Packages and options. Providing alternatives.
Consumer complaint received 2019-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MS)

I tried to place a freeze online on my Experian Credit File. After entering all the requested information, I was told they were unable to place a security freeze based on the information I entered. I tried again with the same result. They want me to mail them at a P O Box my name, ssn, dob, address, a copy of my driver 's license, a utility bill, and a bank statement in order to process the freeze. ( To protect my personal information, they will not return the correspondence. ) In contrast, I froze the other two bureaus online in a matter of minutes by giving the same information.
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I recently tried to refinance my home and XXXX open collections showed up on my credit report from Equifax. XXXX was for XXXX and the other for XXXX ( for XXXX ). I filed for Ch XXXX bankruptcy is 2009 and XXXX was included. When I saw this on my cr rpt I called XXXX and they said it was sent to collections post bankruptcy by mistake. They apologized and called the Collection Co. and reqt 'd they reporting it as a collection and close the account. I reqt 'd the Cr Bureaus to notified. But Equifax , et al, are still reporting it as a Collection but adding a note discharged under bankrutpcy. The XXXX acct was never in collections prior to the bankruptcy. It should be removed from the Collections section of my report. I have, in writing via em, from XXXX that this is the case, see attached. The second collection item from XXXX now shows paid in full, again it should never have been in collections. I have XXXX and XXXX XXXX. XXXX GA Med'l Ctr never billed my supplemental. I paid my co-pays and XXXX paid XXXX % of discounted fee, the remainder should have been sent to XXXX carrier, which was not done. I contacted to CEO office of XXXX GA and informed them of the open collection from XXXX whom XXXX GA employs as their collection agency. XXXX was ordered to show the accounts paid in full and to have them removed from collections. The accounts now show a zero balance but are still shown as collections. I have repeatedy ask Equifax & others to correct this.
Consumer complaint received 2020-09-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

Sent a communication to the XXXX XXXX XXXX XXXX company who purchased a debt that was paid in full to SPEEDY CASH ( the original creditor ). The company keep sending presentments and i'm not interested in contracting with that company. There was never a contract with this company they are harassing me like owe them.
Consumer complaint received 2016-11-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (CA)

I am late on paying on a {$25.00} payment to sallie mae. They call 8 times a day i asked them to stop calling an to send a paper statement. I have told them that i feel the calling 8 time a day is harassment, the say " the law lets us call that many times ''. I have stated that FTC Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) sub section 806, ( 5 ) " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' They refused to fallow the law in regard to collations of a debt. They need to be brought to justice. and fined or jailed
Consumer complaint received 2015-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Adjusters, LLC (TX)

I received a call from a young man who never identified himself he just asked for me by name and asked me to verify my DOB and SSN # before he could inform me of the purpose of him calling. I told him I would not be verifying any personal information and asked that he not contact me again if he could not inform me of who he was and the purpose he called for, as well as the company he represented. This man yelled to me " XXXX you need to pay your XXXX bills then, I told your XXXX XXXX I needed to verify your XXXX but you keep running your XXXX Mouth. '' I honestly thought this was a bad joke? No it was real I heard a call center background and laughter and then I heard a female in the background say to him " I hope there is no one on the other end of that line, because you just violated federally mandated laws as well as codes and ethical policies here. '' Then the phone hung up, so I called the number back. This representative ( I called the number to verify it was a place of business after, his outburst over the phone towards me ). The company is NCA- National Credit Adjusters, I stayed on the line and spoke with another ( different ) representative who I told about the incident and asked that I never be contacted by them again, he was as upset as I was and asked me to hold for him to get a supervisor, but we got disconnected and I had to go to work.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On my Experian credit report theres two accounts reporting negativity. Account XXXX XXXX Account XXXX XXXX XXXX XXXX Both accounts are reporting positive payment status on my other credit report like XXXX and XXXX. On my Experian account There not show a current payment status. Experian is reporting improper information on my credit report thats hurting me from getting approved for credit.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from XXXX XXXX informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to XXXX and 30+ late to Transunion. I am unsure of XXXX since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports. 
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Consumer complaint received 2016-08-31
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (CO)

I opened an account with Skrill ( https : //www.skrill.com ) and attempted to send {$50.00} abroad. I was told to use alternative methods of transfers, as the security system flagged me as an undesirable customer. I talked to numerous customer service representatives at skrill and was told to try " a different browser '' or a " different machine '', to no avail. I was never told any details of the problem - finally they offered to close my account and give me a refund.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2017-02-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (CA)

Not much happened other than the capitalist rise in America! 

Due to divorce I had to file bankruptcy. My credit was great until divorce. The ex was not helping with our debt anymore so I filed for bankruptcy. 

This has begun a long arduous journey of restoring my credit. Because I am post bankruptcy I did not have access to any loans. I got many credit card offers, many of them at the max APR and usually with a $ XXXX $ XXXX+ annual fee, just to have the low balance terrible interest card. 

I did have access to installment loans. Little did I know how terrible they are. I have had XXXX now, maybe XXXX. Each one ends up in a new XXXX towards the end of it 's lifeline. 

The credit system in America needs to be seriously reconsidered. As it stands it is 100 % pro business and NOT pro consumer. When I try to rent a house through a rental agency, they check my credit and I get denied often. I am basically limited to apartments, duplexes, and town homes because my credit score. This is very discriminating. Without knowing why my credit may look the way it does, I am denied access to a home and limited to multi occupant housing like apartments. I am not low income, just low credit score. Where I live, most apartments are for low income. 
When I do manage to find a place that will let me live there I call the utility company to get my services turned on. They check my credit too and based on the score will charge me astronomical deposits. They will base it on credit first, but then say it is based on the the previous occupants average usage. This is garbage. Again, I am discriminated against because of my credit score. My ex wife gets off scotch free. She never had credit. I did. So in divorce I was hit with everything. She did n't need to be part of the bankruptcy because she had no credit. 
When I go to get a new cell phone I have to pay a higher premium because my credit is low. I ca n't buy a phone for a reduced price because I have bad credit. 
This is basically the issue with all industries. Most can discriminate against me based on my credit score, which means I have to pay more than others because I had to file bankruptcy due to a nasty divorce. 
This also forces me to use other means to acquire cash to make big purchases. 
Those other means? Installment loans and payday loans. Some of the worst possible credit decisions you can make. They cost too much and have interest rates as high as 600 %. 
I got an installment loan for XXXX ... I have been paying for about 6 months now and I will still have paid them XXXX by the time I finish. That is n't include what I have paid in 6 months. So I get a small loan to make a purchase like tires for my car, or something else important and I am stuck in a financial XXXX because again, my credit score ca n't even get me a {$500.00} loan to rebuild my credit. 
Banks shun you! 
Please fix the American credit system so people like me do NOT need installment loans. We need to fix it so we can get rid of these evil companies.
Consumer complaint received 2015-10-30
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MN)

I purchased XXXX Savings Certificates from XXXX in XXXX of 1992, XXXX each under each of my daughter 's XXXX. Since 1992 Wells Fargo Bank purchased XXXX. I recently found the original certificates and went to Wells Fargo ( XXXX, MN Branch ) to cash them. They did a 10 day search and said they had no record of them and said they probably turned them over after 7 years to the State ofMinnesota Unclaimed Property Division. I called the Unclaimed Property folks, and they have no record of any monies coming from XXXX or Wells Fargo Bank. Wells Fargo Bank said there is nothing we can do. We will not honor the certificates. I asked if the funds could be withdrawn without turning in the original certificates, and they said no! Since I have the original certificates and they have NO record of ever paying out the monies or even sending them to the Unclaimed Property Division of the State of Minnesota, how do I cash in these certificates and receive MY money back plus interest that was listed on the certificates?
Consumer complaint received 2016-01-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (PA)

SunTrust Bank received a payoff on a consumer loan for a double wide mobile home in my name and my wife 's name and instead of sending us the title they filed a lien in the name of XXXX bank and forwarded the title to XXXX bank whose sole role was to issue a check for us. XXXX Bank has no financial interest in our loan on our double wide trailer. Additionally XXXX bank is unable to deliver the title to us as they do not seem to have it.
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Four years ago I requested Chase Bank NA to refinance my mortgage by reducing the interest rate. I was made to believe that my interest rate was reduced to 1.5 %. But last month I received a notice that my interest rate is going back to 5.5 %. I called Chase Bank, and was told that my mortgage was modified for 45 years. I almost XXXX of XXXX XXXX. My original mortgage is for 30 years and I have been in my house for 13 years. I then started to seek to refinance my mortgage through other Mortgage companies. I received confirmation that my mortgage was extended to 45 years. This is definitely criminal. ***I also received a notice from IRS for not including XXXX for {$10000.00} income from Chase Bank.As a result, I had to pay IRS {$1600.00}. I called Chase and was told that it was savings from modification of my mortgage.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (IN)

On more than a half dozen occasions, Wells Fargo has charged me late fees for payments made on time. My payment is due on the XXXX of each month. This past month, my bill was in the amount of {$250.00} and was due on XX/XX/2016. Wells Fargo mails the monthly invoices sometime between the XXXX and the XXXX of the month. For the bill due XX/XX/2016, they mailed the invoice on XX/XX/2016. I paid my bill by automatic payment on XX/XX/2016. Because it arrived before they mailed the invoice, they did not credit it to the XX/XX/2016 and charged me a late fee. Essentially, they have created a variable period within each billing cycle where I can not make a payment. In this past month 's case, any payment made between XX/XX/2016 ( the day the XX/XX/XXXX invoice was due, and was paid in full ) and XX/XX/2016 ( the day after they mailed the invoice ) would float in the ether and not be credited towards the invoice due for that billing period. This has happened over and over and over. I have filed several XXXX complaints and each time Wells Fargo reverses the payment. It requires constant vigilance. I can not believe other consumers are not being hit with these fees too.