davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NJ)

When we sold our apartment we deposited a large sum with Citi. They encouraged being a citi XXXX  account. Now, years later I see fees showing up because they require the balance to be maintained on the XXXX of each month vs average over the course of the year. I have already addressed this part with the bank. 
What was fascinating to me and should be looked into further by this agency is that I was charged {$30.00} on XXXX because I didn't meet the balance requirements on that date. Later that month when I took out fees from a non-citi ATM, I was charged a {$3.00} charge which I normally wouldn't be charged because my accounts didn't reach the balance level on XXXX. How could it be that for those not meeting balance requirements and then get charged a fee to stay with that account type are then also declined the benefits of that account type. I care little about the {$3.00} and much more about how these discreet policies could be harming all Americans. Thank you.
Consumer complaint received 2022-09-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

I deposited a cheque of {$900.00} at Citi Bank through the mobile deposit. They then blocked my account after 3 days saying the cheque was fraudulent. I gave them the cheque issue 's name and number plus the address so that they can follow up. I called the issue of the cheque plus the issue 's bank and they said the cheque went through and that funds are available. Citibank said nonetheless they are closing the account after 60days and that funds will be mailed to my address. 60 days later nothing is forthcoming which elapsed on XXXX XX/XX/2020. We are now due by 26 days and Citibank has still not done anything despite persistent calls to them. 
I would like you to assist me recover my hard earned money from citibank
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (NC)

- On approximately XX/XX/XXXX our mortgage company ( Homeside Financial ) completed an escrow analysis on our account and sent an incorrect escrow refund check in the amount of {$4100.00}. The day after we received this check we were notified that the amount was incorrect and the check had been canceled. 
- I called Homeside Financial on approximately XX/XX/XXXX to determine what our correct refund was and to determine when a check would be sent. I was told that our escrow account had been overfunded by {$3100.00} and a check would be mailed to us in 30-60 days. We agree with this amount. 
- Our mortgage company has been aware of the overfunding since XX/XX/XXXX. 
- Multiple calls have been made over the past 9 months requesting a refund of the overfunded amount. We have been told 3 times that a check is being sent and it will take 30-60 days to arrive. No check has ever been received. 
- We have paid {$6900.00} into our escrow account since XX/XX/XXXX. Our current escrow balance is {$3800.00} because Homeside Financial is showing that they made a payment to us in the amount of {$3100.00} which we never received.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maury Cobb, Attorney at Law, LLC (FL)

see attached. Alleged debt from XXXX, is being attempted to be collected from XXXX collections and now Maury Cobb attorney at law LLC XXXX Have no financial liability to NONE of these companies.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MA)

This is involving my credit card account with Barclays Bank. 

My XXXX statement was released on XX/XX/XXXX for the period between XX/XX/XXXX - XX/XX/XXXX The statement started with a {$0.00} balance, I pay the card off in full every month, and I made {$500.00} in purchases during the XXXX statement period. The full amount due was {$500.00} and the payment due date was XX/XX/XXXX. 

I made a payment in the amount of {$500.00} on XX/XX/XXXX. That payment was reversed the same day due to insufficient funds in my bank, and the payment was resubmitted and successfully went through XX/XX/XXXX. 

An interest charge of {$0.00} was added to my account on XX/XX/XXXX, after initial payment was reversed. However, because the the payment wasn't due until XX/XX/XXXX, there was never any " Balance Subject to Interest '' in my account at any point and interest should not have been charged. 

On XX/XX/XXXX I spoke to a customer service representative about this interest charge, who said that the interest had been assessed correctly, but that she would add a " credit '' to my account in the amount of {$0.00}. 

On XX/XX/XXXX, this credit had not posted to my account. I spoke to three customer service representatives who did not acknowledge the error and also said that interest had been assessed correctly. They did not see a credit added to my account, but added the credit again, which I saw successfully posted. I requested a callback from a supervisor at Barclays to address the initial error. 

On XX/XX/XXXX, I received a callback from a customer service representative who initially refused to acknowledge that an error had been made. After 20 minutes, she put me on hold to look into my account again, and said that the interest charge was a result of a " banking error '' On XX/XX/XXXX, I reviewed my monthly statement for the XXXX period and saw that it reflected a " Purchase Interest Charge '' of {$0.00} with an " Interest Charge Adjustment '' ( made manually, after multiple phone calls ) of - {$0.00}. 

On XX/XX/XXXX, I called customer service to get confirmation that their banking error had been fixed and that I would not be impacted again. The representative told me that it was not a banking error, and that I was properly charged interest. No notes had been made in my file that a banking error occurred, or that there was any action taken to address the error in Barclay 's system.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of XXXX. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of XXXX. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XX/XX/XXXX when this account was paid off and closed XX/XX/XXXX.
Consumer complaint received 2020-11-09
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)

I DID NOT AUTHORIZE ANYONE TO USE MY NAME OR PERSONAL INFORMATION TO SEEK THE MONEY, CREDIT OR LOANS DESCIBED IN THIS REPORT. I'VE CONTACTED THE BUREAUS AND CREDITORS REGARDING THESE FRAUDULENT ACCOUNTS OPENED IN MY NAME USING AN ADDRESS THAT I DO NOT RESIDE, XXXX XXXX XXXX, XXXX XXXX CA, XXXX. THESE ACCOUNTS STILL APPEAR ON MY CREDIT FILE AND NEED TO BE REMOVED.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

I purchased a graphics card on XX/XX/2021 at XXXX XXXX  on XXXX for {$510.00}. On XX/XX/XXXX, the seller added a tracking number. I checked my XXXX XXXX, and to my surprise, the tracking number said the item arrived on XX/XX/XXXX! 

I did not receive any package the day before, so I decided to do some investigative work. I called UPS and provided the tracking number, and my name and shipping address. The representative on the phone confirmed the package did not arrive to my address, but shared the same city. 

After doing some XXXX, it seems to be a common scamming tactic. The scammer uses a random tracking number that goes to the same city as the buyer. Since the tracking website only provides the city for privacy reasons, automated systems show the package as delivered. 

After frustrating attempts with both XXXX and XXXX to try and get my money back, I finally filed a charge-back with Citi. The representative on the phone assured me that Citi would reach out to collect more evidence from me. 

However, Citi closed my case in the favor of the scammer without ever reaching out to me to get my side of the story.
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

A scamer stole an actual businesses ( XXXX XXXX XXXX ) info, all social media platforms allowed this activity to continue. I researched the company, felt it was legitimate with an actual storefront. I followed directions to make an online purchase of {$1000.00} on XXXX payment was made, paid via paypal. Business issued a refund and asked me to pay via friends and family ( so i would have to pay transaction fee and they receive funds immediately ) which i did. At that point I did not know that paying via friends and family isn't covered under Paypal 's protection. I'm personally shocked that Paypal has no notification that a duplicate transaction took place without a warning to me to verify that activity. They also allowed the friends and family payment to go to a business which according to them isn't allow, and would be protected under their privacy policy. I have contact my bank, Paypal and XXXX  police, no one is able to stop or recovery my funds. Paypal is profiting from fraudulant activities and doesn't seem to have any accountability.
Consumer complaint received 2022-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

Synchrony bank charged my account with authorization Notice of billing error ( 12 CFR 1026.13 ), will be filing a police report as this is theft this isn't the first time they tried this. Will be contacting the IRS and the IRS Criminal division in regards to the interest and taxes concerning this fraud. This account was disputed and Synchrony dishonored the request for validation of debt. According to HJR 192-1933 banks have been bankrupt and can't truly lend or extend credit so please as i stated before please validate the alleged debt. Also you have been sending letters after you were commanded to cease and deists and failed to report that to the credit reporting agency 's. Violations 15 USC 1681 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 4 ), 15 USC 1692E ( 10 ) and 15 USC 1602 ( K ) If you need help with the codes CFPB has a library that's free to use and theirs also XXXX. " I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''
Consumer complaint received 2022-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

Payments have been made on time suddenly payments were being reversed and after numerous payments being sent in various different methods payments were still being reversed after seeing payment exit the account. 
Numerous calls and contact to rectify were made now they are reporting delinquency to credit bureaus after their error to collect
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (NC)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2021-10-25
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. (MN)

I am disputing the following non-XXXX XXXX Inquiries on my credit report.- XXXX Issue This inquiry is fraudulent. 
XXXX XXXX Issue This inquiry is fraudulent. 
XXXX - CARD SERVICE Issue This inquiry is fraudulent. 
XXXX XXXX XXXX XXXX Issue This inquiry is fraudulent. 
XXXX XXXX Issue This inquiry is fraudulent -- -- - Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 
These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.
Consumer complaint received 2022-03-29
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. (PA)

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (IL)

I called the XXXX and Experian after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00}
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Spoke to XXXX and TransUnion about removing my fraud alert from my credit report and was told by both parties that I will have to write a letter and so I did and it's been over 30 days since that time that my fraud alert is still on my credit report. they refused to do anything and told me that I will have to write another letter which makes no sense. Please help me with this situation with them.
Consumer complaint received 2021-10-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stone Higgs & Drexler (MS)

On XX/XX/XXXX I received a letter from my employer stating my wages will be garnished by XXXX XXXX financial for a vehicle loan from about 7 years ago ( sometime min/late XXXX ). I didn't receive any correspondence from XXXX XXXX XXXX nor did I have a chance to fix this with them. The vehicle was picked up by XXXX XXXX XXXX  after I called them and told them to pick it up due to ongoing transmission problems the vehicle had since purchase. From the beginning I brought the vehicle to their maintenance shop at the dealership at least once a week for the first 30 days of owning the vehicle, and the issue was never fixed. I was in communication with them constantly up until I told them to pick up the vehicle in the early XXXX. They also want me to pay the full amount owed instead of amount minus what they made on reselling the vehicle, resulting in XXXX XXXX financial attempting to collect an amount higher than required.
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (GA)

I contacted Remitly regarding money in the amount of {$3000.00} that was sent to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX and they tell me they will not refund my money even though it was a fraudulent transfer, however it is their policy to get ID information and contact information from the person receiving the money. My bank has been notified and is conducting an investigation into this matter. XXXX XXXX XXXX stole from me and my company and I want him held accountably and charges filed against him!
Consumer complaint received 2022-01-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IN)

In XXXX of XXXX my family and I got extremely sick with Covid-19. My Wife and I missed a lot of work and pay. I called US Bank to start a forbearance plan. The plan was ONLY supposed to last 6 month. In XXXX of XXXX, I called US Bank to have the opportunity to start making payments again. US Bank offered me 3 separate options for a mortgage modification. When US Bank gave me my options, I misunderstood what the Loss Mitigation Rep was telling me, and I choose the incorrect option. It is now XX/XX/XXXX, I have gone through 6 loan modifications! According to US Bank, they " never received '' any of my loan modifications documents. On the other hand, I have been told by several different representatives through US Bank and they have told me received my documentation. I had a rep even tell me " Because I signed in to online banking, my load modification went null in void ''.

It is difficult to get ahold of US Bank. I have called 10 times. Each time I have called, I have waited over a hour on hold. I have tried calling different times during the day. No matter the time, I am stuck on hold waiting for a representative over an hour. This is a tactic to prevent their clients from calling in. I am a director of a call center of a Credit Union. We focus on getting to the clients as fast as we can. You can monitor wait times with the call center programs. When members have to wait over an hour to talk to a representative, this disregard towards their members shows US Bank is unwilling to assist their members in the best way possible. How can I get an issue fixed when I have to take at MINIMUM 1 1/2 hours to try and get my situation fixed. They do not have physical locations to go to. When I first signed my mortgage, it was with XXXX. My Mortgage was sold to US Bank. We never freely went to US Bank to get our mortgage. I feel like US Bank is purposely causing these issues. I am strongly believing that they are trying to foreclose on our house to make more of a profit off my house. With current interest rates at an all time low, US Bank is forcing their clients into foreclosure to get the most value for their investment. I have a Wife and four daughters, I can not lose my home. I need your help. I need US Bank to finally fulfill their promise on completing a PROPER LOAN MODIFICATION.