davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (CA)

I was called yesterday ( XX/XX/XXXX ) regarding my past due amount that I owe. During this call I inquried about how much of the principal I had left, because this is the 3rd year I have had this loan. The amount I was told shocked me so I asked, how much of the {$450.00} I pay each month is applied to the principal. I was told 9 dollars. So I further inquired, how often is interest applied, their response daily. After crunching the numbers I found that it would take me 59 years to pay this loan off, so I asked if I can have my interest decreased. They told me their supervisor would be reaching out to me. During that night I continued to dig into my account with finding they have not been applying ANY of my payments to the principal. 

Today ( XX/XX/XXXX ) their supervisor called, his name was XXXX ( couldn't catch his last name ). I asked about lowering my interest, he said no. I then inquired about AB-539 because I am paying WAY over the limits set in place. He said that does apply to me because AB-539 came into affect in XXXX. But according to AB-539 is amends existing law meaning I am covered. After he told me I was not covered, I told him I need to seek counsel because he is incorrect, at that point he began attempting to talk to over me, so I raised my voice back on him refusing to be silenced. I asked for my contract, he said he sent it to me, I am assuming via email. I have not received it.
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

Hello, This is a follow up and an escalation to the previously filed complaint : complaint ID : XXXX As it was advised by a Citi Bank representative during a phone call on XX/XX/XXXX, I circled back with the sending parties -- XXXX and XXXX XXXX XXXX and advised them to submit yet another wire recall request. Unfortunately, Citi Bank is ignoring multiple wire recall requests, and the issue is still not resolved, Citi Bank has been holding my well-earned money since XX/XX/XXXX. I am attaching the wire details again. I do not understand what to do to move forward. 

Thank you, XXXX XXXX
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (ME)

I had my purse stolen in 2007. I have been trying to get a woman 's name off my credit report with Equifax for many years. She has mortgages and car payments etc. that report as mine. I can not even access my credit report with Equifax because I can not answer the questions correctly to gain access. My name is now XXXX XXXX XXXX. At the time my name was XXXX XXXX XXXX. A woman with the name XXXX XXXX XXXX or something like that shows up as an alias for me. I have lived in XXXX different addresses over the past 15 years. XXXX XXXX XXXX XXXX Maine XXXX, XXXX XXXX XXXX XXXX Maine, XXXX and also XXXX XXXX XXXX XXXX Maine XXXX. I need help getting this taken care of and I do n't know where to turn next. Thank you for you help in this matter.
Consumer complaint received 2015-09-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Law Office of Joe Pezzuto, LLC (AZ)

Last week Thursday, XXXX XXXX, 2015, I received a summons from the Law Office of Joe Pezzuto , LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

Prior to this summons I have never heard of XXXX XXXX or his law firm. I did not receive a phone call, voicemail, letter or email from this law firm. I do not currently have nor have I ever been in any contract with this law firm. They never provided me any documentation regarding this debt before proceeding against me in court. 

I do believe that they are in clear and direct violation of the Fair Debt Collection Practices Act. 

The exhibit attached in the court filings did not show my name or signature in contract with XXXX XXXX nor did it show any ownership of a debt relating to me.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WASHINGTON FEDERAL BANK (NM)

I pay my credit card each month in full to a credit union I have belonged to for years. Using the XXXX bill pay tool I always request payment at least XXXX to XXXX weeks ahead of required payment. Numerous times I receive an email from XXXX indicating they are paying the bill via check sent out through the mail. For a large back to rely on snail mail rather than electronic transfer is disturbing. For example I recently requested payment on XXXX XXXX, it is XXXX XXXX and payment still has not registered at the credit unit who holds my credit card. This event occurs only when I pay a large amount. I have had my card held a few times ( including this event ), incurred interest and penalties and likely have impact to my credit rating ( which was above XXXX in 2020 ). I have raised this issue with XXXX each time with no reply on why this process is in place. XXXX never divulged that this was the process when I first set up account and used bill pay tool. If I had know this I likely XXXX have gone elsewhere. I had no issues with my previous smaller credit unions, so I was unaware of this hidden process.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (PA)

I filed an complaint with Discover on XX/XX/2015, I advised Discover that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Discover are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Discover company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Discover are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Discover fail to respond in writing, signed by hand, in a timely manner, I will assume that Discover are in error and this matter will be challenged. As Discover further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Discover claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XXXX, Discover have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
Consumer complaint received 2023-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flexible Finance, Inc. (TX)

This is my 2nd time sending this complaint over .... You all responded the first time saying that you all are aware that i paid my balance in full and have reported that to the credit bureau after my account was closed on XX/XX/2023 .... Well my account was paid in full and closed in XX/XX/2023 and it was removed from my credit report in XX/XX/2023! so how did a NEW account get opened under my name with a balance and placed on my credit report? i never requested that nor did i give my permission to Flex to open up an account under my name! that is fraud!!!! As you can see YOUR agent confirmed that my account was paid and closed by the collections department in XXXX! how after a couple of months did you open it again? and why? Look at the attachments!!! look at the dates!!!! these are your agents confirming my full payments and account closure!! now you are saying it somehow was reopened with a whole new balance? This is unacceptable! Since you are pretending that you are not understanding what i am saying to you all via email ( since that is the only way to communicate with you all ) lets see if you understand a lawsuit!! I should not have to suffer due to you all creating false accounts under my name and attempting to play on my words. That may work for CFPB but that doesnt work on me! you all created a false duplicate account under my name! and your agent confirmed it via email!!!!
Consumer complaint received 2017-02-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells fargo home mortgage has improperly handled the servicing of my mortgage loan resulting in unnecessary large amounts of fees added to my loan, default of my loqn payments, and forcefully leading to an separate case of active forecosure each year for the past 3 years. Wells fargo has done this by not properly applying the payments i submit, reversing and reapplying payments innapropriately and without my knowledge or consent, refusing to acknowledge my requests for detailed explanation of the questionable acts applying to my mortgage servicing, refusing my payments in person, by phone, and online blocking my access to pay. Also, The very important and private information such as statements, including default related notices, and foreclosure related information was being mailed to an address which was never mine, at any point or never had I been associated wi H this address, resulting in months of valuable and confidential information regarding my banking and mortgage servicing being lost in the mail and never received by me. Additionally, not having a sensible explanation for why my address was changed without my knowledge or consent. Wells fargo also has forced the improper foreclosue status on my loan by not accepting my payments, even the whole defaulted and past due amount they improperly are requiring I pay in order to bring my loan current. There is always a new representative who i have to explain my whole background to, answer all the same questions of updating all my information several times daily as I am transferred from department to department and ultimately getting no resolution except to call back tomorrow, which results in the same behavior of wells fargo putting off my ability to have my account in good standing.
Consumer complaint received 2016-03-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Had numerous problems over two yrs. over last two months I have called Bank of America over 15 times went to voice mail. I received one call in that time. Over one month ago I requested loan mod application. Never received now as of XXXX I have foreclosure papers on my home
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (GA)

I received a notice from my credit card provider Chase that I qualified for a one month deferral on my payment. I took advantage of the offer,  skipped XXXX 's payment like they said I could and then made my payment for XXXX. I then received a letter stating that because I used the deferral they were reducing my credit limit by {$1000.00}. I have always kept this account in good standing. I have never made a late payment and I have always paid more than my minimum due. The Chase representative told me it had nothing to do with the deferral that they do frequent checks on all accounts and had decided it was best to lower my credit limit. I find it odd that they never did one of these checks before I took advantage of the Covid relief deferral just one week later as a matter of fact. I feel they are being unfair and taking undo advantage of Federal Covid relief funds put in place to help consumers such as myself. I want my full credit available amount to be reinstated.
Consumer complaint received 2015-11-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have XXXX accounts. XXXX ending in XXXX : I have been charged a monthly fee of {$25.00} with no notice or advisement that there would be a charge for anything. I have no idea why it 's being charged after 15 years with the bank. I have emailed, and received no response. They only response I get is to call. I do n't believe it is legal to make me call as I would like their response in writing. 
Account ending XXXX : The account was charged an Overdraft fee of {$35.00} due to a {$10.00} recurring charge at should have been cancelled with the merchant. Since it has been worked out with the merchant, I wo n't be disputing it. I immediately paid the {$10.00} charge the very next day after it was charged, and emailed to request this be removed. However, I received only another {$35.00} charge. Now the account is $ XXXX overdrawn due to less than a {$10.00} charge that was immediately remedied. I emailed them about this, but the same thing, they are saying they will not address this unless I call. I no longer trust this bank, and want everything in writing. I do n't believe it 's legal to make me call them.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. 
EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Acceptance Co., LLC (TN)

We pay on time, but tell me how a 67 month loan turned into a 80 month loan. Car was XXXX, yet, for principal alone, we paid XXXX into the car and interest we paid XXXX. Our loan is ending next month, but we owe XXXX still? We haven't missed any payment.
Consumer complaint received 2017-09-26
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. (NC)

Hello ; I have been at odds for the last two years with all three credit reporting groups ; XXXX ; Trans Union ; and XXXX. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly 700 to 577 without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXXXXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, XXXX XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in XXXX, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a bank of america customer since 2010. My salary, my home loan, everything are with BOA. Besides that I have been using Bank of america to accept more than 10 times wire transfer and none of them charge me fees. Every time my fee is waived since I am a loyalty customer.Even last time I called the agent and been told, I just to need to call every time after the fee post and they can waive it for me. Today the representative refuse to refund my wire transfer fee. And they need to be responsible for the misleading the customer. I have a lot more choices to accept the big wire transfer, but I get used to use the BOA which made me so disappoint today.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I had a medical account from an ER visit. I am covered under the VA but the VA never paid, but I did not find out until I was checking my credit report. I paid it immediately with the intention of having the VA reimburse me. The collection company, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , PA told me they would remove the submission to ALL credit bureaus on XXXX/XXXX/2015. They also send me a letter to confirm that this was paid in full. But Experian keeps reinserting it and I have sent them proof. I call XXXX XXXX and they tell me that they have removed it from all XXXX bureaus, I call Experian and they say no that they keep receiving it for submission. I WANT IT REMOVED, IT IS PAID IN FULL!
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

Bloomingdale 's card - I purchased items from Bloomingdale 's online site using my bloomingdale 's card. On XX/XX/XXXX I returned the items ( they were properly received in time ), and called them to confirm receipt. During the call, they asked whether I wanted to receive gift cards or have the credit card account credited. I specifically mentioned that I did not want gift cards, and wanted the credit card account credited. Instead, they sent gift cards. I have been on no less than 7 calls with them since to get this resolved, and each time I have been told it has been resolved ( ie, the gift card cancelled and credit card account credited ). However, after each call I have continued to receive calls from Bloomingdales stating " this is an attempt to collect a debt ''. Now Bloomingdales has notified the credit reporting agencies that my account is delinquent, right as I am in the process of applying for a mortgage. I have spend no less than 10 hours on the phone with Bloomingdales to date trying to resolve what should be a simple issue. 

In addition, I have told Bloomingdales twice that I wish to register a formal complaint, but no one has taken my complaint. Therefore, I am requesting the CFPB to get involved - I need help! Most importantly, I need this removed from my credit report ASAP, so that I can continue my mortgage application process. 

Thank you!
Consumer complaint received 2020-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

XX/XX/XXXX IC SYSTEMS INC placed a collection account on my credit bureau reports for {$320.00}. I wasnt contacted by this collection agency or notified of this. I never owed the debt claimed, there was a clerical error in XX/XX/2017that I provided proof it was a mistake resulting in being fully resolved. I now have a new collection agency attempting to collect an old debt, never owed from 3 1/2 years ago. I filed disputes with XXXX  & XXXX  with no result. There isnt any way to LEGALLY document proof of this debt because I never had an account with XXXX  during the time period. I had an account with XXXX XXXX before they were bought out or merged ( not sure of specific business standing ).
Consumer complaint received 2020-06-01
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. (FL)

XXXX XXXX Unauthorized charges successful iconSubmitted XXXX  XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX XXXX Unauthorized charges successful icon
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Other — 
Company: Praxis Financial Solutions, Incorporated (MA)

I have been repeatedly called erroneously to collect a XXXX {$5700.00} claim owed by someone else. I told collector that person does not reside at my home. But they call daily nonetheless. Telephone # calling is XXXX and callback # is XXXX.