davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. ()

My name is XXXX XXXX XXXX, I'm a US citizen working in XXXX since XX/XX/XXXX and have been employed here. Since then, which is now almost 2 years, I have not been back in the US. Copies of my passport entry and exit stamps from the immigration shows that very clearly. 

In my absence, while I was working in XXXX, my credit card was used between XX/XX/XXXX - XX/XX/XXXX in XXXX, New York, for purchases worth {$2400.00}. Now, please note that during this time I was employed in XXXX, and to prove that I've submitted my pay-slips to the bank via email for both months when these transactions took place. How is it possible that I was physically employed in XXXX and at the same time making the transactions in XXXX? How is it possible that my passport clearly shows no entry during this period, yet still the bank is forcing this amount on me without any proper investigation. 

Furthermore, I've sent the Citibank fraud investigation department several email since this amount reflected on my account. They neither respond nor do they provide any indication that shows a fair investigation is being conducted. I am under enormous mental stress due to the bank 's callous attitude and now have been prescribed XXXXXXXX XXXX XXXX to deal with the stress. I need this matter to be investigated fairly. I have provided multiple times the evidence to the bank via email yet no response. I've also submitted a copy of my last air ticket that clearly shows my exit from the country, if the immigration stamps didn't already prove my point.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TN)

Had an account with XXXX XXXX XXXX  USBANK is now the account card holder. REWARD POINTS/ PERKS issued on three separate cards with each card having a separate Denomination/ Value/ Amount with the total amount equaling {$220.00} dollars. one card is {$25.00} second card {$100.00} and third card {$100.00}. The value {$25.00} was used up in fees Each card was deducted {$3.00} per month plus inquired about a replacement card because of cards expiration, I was charged an additional {$15.00} per card replacement. 

The cards were never activated for use.
Consumer complaint received 2020-08-20
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: AmeriCollect (WI)

I have a loan with XXXX XXXX XXXX AMERICOLLECT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, AMERICOLLECT ( Original Creditor : XXXX XXXX   XXXX XXXX  ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2016-10-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After a review of Bank of America and their third party representative issued documents, it has come to my attention while the current single point of contact was previously assigned as the single point of contact in XXXX XXXX through XXXX XXXX, this home loan mortgage account was incorrectly tagged, coded, and forwarded to foreclosure resulting in the XXXX XXXX recorded Notice of Default and the recorded Substitution of Trustee naming XXXX XXXX XXXX XXXX ( XXXX ) as the beneficiary trustee. 
Apparently, XXXX was allowed to purchase the mortgage note once XXXX XXXX XXXX XXXX XXXX XXXX represented the home loan mortgage account was active in foreclosure. 
Sometime in XXXX XXXX, Bank of America through their third party home loan servicer, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, incorrectly authorized this home loan mortgage account to be removed from the modification, loss mitigation, and workout processes and began the foreclosure process as evidenced by the Bank of America form entitled California Declaration of XXXX XXXX, XXXX and the recorded Substitution of Trustee naming XXXX XXXX XXXX XXXX ( XXXX ) as the beneficiary trustee. 
Bank of America representatives XXXX XXXX along with Assistant Vice Presidents XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX, and XXXX XXXX, all played active roles in removing the Cease and Desist Collections tag and code placed on this home loan mortgage account on XXXX XXXX, XXXX from this account clearing the way for Bank of America violations of various established consumers protections including, but not limited to, RESPA and TILA enforced by Regulations X and Z, MHA HAMP guidelines, and the XXXX enforced by the California Homeowners Bill of Rights ( CalHBOR ).
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of America erroneously paid my neighbor 's property taxes out of my escrow account. By two letters dated XX/XX/XXXX ( after repeated requests from me ) bank of america stated that they paid property tax of {$2500.00} on parcel number XXXX on XX/XX/XXXX and paid {$330.00} on parcel number XXXX on XX/XX/XXXX. These parcels do not belong to me and are not listed in my name or at my address.The total of {$2900.00} was misappropriated from my escrow account related to my mortgage. Additionally they raised my mortgage payment to {$950.00} and then to {$1100.00} as of XX/XX/XXXX. Ten phone calls later requesting return of the {$2900.00} and reevaluaton of mortgage payment, I have learned that they " updated '' their information and that my mortgage payment will be {$770.00} per month but not beginning until XXXX XXXX. As of today they have provided no response to my request that the misappropriated funds be paid back to me. I want the {$2900.00} IMMEDIATELY paid back to me by deposit in my checking account and a written apology from Bank of America. 
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Consumer complaint received 2017-10-01
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. (ND)

All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially XXXX as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a  host of others.
Consumer complaint received 2016-06-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

I have contacted Navient, initially, the party I spoke to said XXXX XXXX on uncountable occasions. This company has this fraudulent account on my credit report three times. I have never applied for any loan of any kind with this organization. I have sent my domicile as well it is public information that I have lived between the XXXX properties XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX exceeding 20 years. My daughter has admitted to signing the documents in which I was mortified when finding this out. Her signing my name to a contract without my knowledge and saying that we were dealing with my spouse and son battling XXXX, which I have unfortunately loss them both was a massive ordeal, but that was her excuse for signing my signature and not asking, that is unacceptable. I continue to say that I knew nothing of this until discovering on my credit reports, which I immediately contacted them and have been going back and forth since. I am attaching one of the contacts from my daughter acknowledging it is her debt, XXXX XXXX, not XXXX XXXX. I am asking again for this debt to be removed. If this were my debt, I would have paid and this would be no issue, but to liable for something I had no knowledge is absolutely insane. I am asking Navient to release me of liability immediately and hold XXXX the liable party of the debt. Attached again is a letter from XXXX XXXX. Please remove this fraudulent debt from the XXXX bureaus immediately.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

I have been restricted from accessing my TD Bank checking account and can not access my banking statements. I need bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Given the restrictions, I can not access my TD Bank online account, and TD Bank customer service will not send statements to me electronically.
Consumer complaint received 2017-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX XXXX, I reported to XXXX XXXX, and Transunion, that information on my credit report is incorrect. Date of first delinquency being reported by XXXX XXXX XXXX ( XXXX ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a XXXX year old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made 5 years beyond that.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (CA)

On XX/XX/2024, I found that my Social Security Number was compromised due to a scammer using my SSN to open an account at Regions Bank. I immediately called Regions Bank, and expressed my issue. 

They hung up on me. 

I called XXXX more times and again expressed my issue. They asked for my name and mySSN, then told me that they can not close the fraudulent bank because they can not verify who I am. 

However, if you are a scammer, the bank easily opens an account for you. Regions Bank is failing to verify SSNs to open an account, but are not allowing law-abiding citizens to close those fraudulent accounts. 

I would like to report this bank and have the fraudulent account closed immediately.
Consumer complaint received 2024-02-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Dear Sir or Madam, I am writing to file a complaint against XXXX, XXXX, and XXXX for potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I am writing to you today because I believe that XXXX, XXXX, and XXXX have engaged in unfair and deceptive reporting practices against me. Specifically, they have continued to publish the full amount of debt owed to Credit Acceptance despite a court ruling in XXXX XXXX XXXX on [ XX/XX/2024 ] that reduced the amount owed from {$3200.00} to {$1700.00}. 

Evidence : A copy of the court ruling reducing the amount owed. 
I believe that XXXX, XXXX, and XXXX 's actions violate the FDCPA because : 12 CFR 1006.34 ( d ) : This regulation requires debt collectors to provide written validation notices to consumers within five days of the initial communication. The validation notice must include the amount of the debt, the name of the creditor, and other important information. In my case, I did not receive a revised validation notice reflecting the reduced amount owed after the court ruling.

15 USC 1681-S2 ( 7 ) ( A ) : This section of the FDCPA prohibits consumer reporting agencies from using unfair or deceptive practices to collect debts. I believe that continuing to publish the full amount owed after a court ruling reducing the debt is unfair and deceptive.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2024, I checked my credit report and saw on XXXX that on that day XX/XX/2024, TD Bank/Target Card was reporting a balance on my credit report even though that exact balance was paid in full. They are purposely reporting false information on my credit reports.
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   XXXX XXXX, US DEPT VETS Company Inquiries : XXXX  XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (GA)

Jefferson Capital System- I do not know these people nor have I received any response to my letter, they are calling and harassing me, and I have no clue how you are! 

You state that I owe XXXX on my credit report. I have been with XXXX for years! I do not owe XXXX ANYTHING! IF SO HOW COULD I BE AN ACTIVE CUSTOMER? They have no proof, contract NOTHING! 

In addition, they lied and said the account was opened back in XXXX! That is fraud because I have NO business with this company. 
I want this off my credit or I will reach out to my attorney.
Consumer complaint received 2020-08-20
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: CITIBANK, N.A. (MD)

I have a loan with CITIMORTGAGE, XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CITIMORTGAGE, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-02-26
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (OH)

I never received written notification or correspondence of any kind from Jefferson Capital regarding their efforts to collect a very old debt previously owed to XXXX. I received a credit monitoring alert last week, on or around XX/XX/XXXX that a collection account had been added to my credit report in the amount of {$880.00} from Jefferson Capital Systems from a XXXX account that was closed over 7 years ago. I immediately called them to see why they were illegally reporting negative information to the credit bureaus from an old debt that is well beyond the legal statute of limitations for collection and reporting. I believe that their phones are answered at a call center in a foreign country because the representative I was connected with barely spoke XXXX. I explained MULTIPLE times that I wanted validation and verification of their legal right to collect/report this debt, and explained that it is in violation of the FCRPA and the FDCPA to attempt to collect an aged out debt, as well as to negatively report to credit bureaus outside of the legally permitted timeframe. He refused to provide any information that I requested to validate the debt, and continued to try to pressure me into making some type of payment, and reiterated that failing to make payment would result in the continued negative reporting to all 3 credit bureaus. I said that wont be happening under any circumstances, and advised that I would explore whatever legal options may be available.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (CO)

I am rewriting to express my dissatisfaction with the inaccurate information present on my credit file reported by AMERICAN HONDA FINANCE. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXXXXXX XXXX XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures. I have also attached the FTC report to support this compliant with the FTC report number XXXX for your reference.
Consumer complaint received 2024-02-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC (MI)

On Thursday, XX/XX/2024 my mother received a telephone call from a debt collection agency. My mom provided me the telephone number and I contacted the agency to see what it was about. Initially, I was weary of returning the call because of so many SCAMS that are out there, but I have been having some medical problems so it sounded legit. I called around XXXX XXXX and spoke with a supervisor by the name of XXXX ( unsure of the spelling of his name ). Again, I want to reiterate that this was a medical debt collection. I have been very sick and having severe XXXX which led to several hospitalizations and ER visits. My condition is worsened by emotional distress. XXXX was abusive, he was screaming at me and was harassing me to pay the bill at that moment. I explained to him that all my credit cards were maxed out and I couldn't pay at the time. I also told him that I was recently approved for XXXX due to my medical problems and my being unemployed at the moment. He kept pressuring me to give him a credit card number that he would not charge it, just hold it. But I explained I had no credit and that I was unemployed. My parents helped me to pay for the bill, but it was not my credit card so I couldn't give them the credit card information if it belonged to my parents. My mom was on the call as a three-way calling and when my mom intervened, he calmed down but he was verbally abusive and harrassed me. Aren't medical debt collection illegal? Why would a non-profit hospital refer this medical bill to collection? Don't they get grants, trust, and endowment funds in addition to government aid to help the less fortunate and the sick? The debt collector company name is : Radius Global Solutions LLC, they are located at XXXX XXXX XXXX, XXXX, MN XXXX. These companies harassing people who are sick for medical debt should be abolished. It's not like I want to get sick. I want to be healthy again but I have a life-long medical condition. Please follow up on this, listen to the call, he said that it was recorded. I need someone to investigate this ASAP because I don't want this to happen to other young people ( I am XXXX years old ) who this may happen to. Please look into this and stop these agencies from using abusive language and tactics to intimidate people who have medical debt.
Consumer complaint received 2024-02-26
Product: Credit 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: GOLDMAN SACHS BANK USA (VA)

On XX/XX/XXXX, I made a purchase at my local Apple Store ( XXXX branch ) for a laptop computer. I was given the choice of either paying the full amount upfront ( {$850.00} ) or spread it out and XXXX monthly installments. I chose monthly installments. It wasn't until later in the week that I realized i was charged the full amount of {$850.00} upfront, as well as monthly installments. I contacted the Apple Store both my telephone and in-person, to which they could not tell me what had happened or why it had happened. They then told me there was nothing they could do about it, as it was " not in their system '' and suggested I contact the credit card company directly ( Goldman Sachs/Apple Card ) . I did this, and they helped me open a dispute. I was given a temporary credit of the amount and they told me it would be further investigated. On the morning of XX/XX/XXXX, I was notified by the credit card company that they were ruling in favor of the merchant because " The evidence received confirms that you were provided additional services along with your original purchase. For example, room service or paid parking as part of the hotel stay. '' I again contacted the credit card company and requested to see this evidence, and was told that it was a different department that handled the evidence and they could not help me. Not only was I charged twice for this laptop computer, but I ended up returning it for a full refund within the allotted return window. Of course, I only received the refund for the monthly installments, and not the other double charge of {$850.00}. Another issue is when filing the dispute, the credit card company requests evidence. I do not know what I can offer as evidence as I was charged for something I did not receive, and therefore have no receipt. Communication with the merchant can only be by phone or in-person, so I do not have any documentation regarding out correspondence.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account is negatively affecting my credit. Is a very old account and I need it to be removed from my credit report. They do not have my signature to report.