davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc. (VA)

I had never received a notice from XXXX XXXX for XXXX   XXXX XXXX for overdue amounts from the expressway that totaled the amount of around {$60.00}. The website is very vague and only shows the initial amount that your account went negative so I could only ever see that my account was - {$.00} or - {$.00}. I would get a notification on my email that my account balance was low ( < {$10.00} ) or below {$0.00}. I would make a payment of $ XXXX and the notification would go away and my account balance would show positive balance and as I would travel the XXXX XXXX I would have all green notifications signaling my account was replenished and the notification emails would stop about the insufficient funds. Somehow over the months of XXXX to XX/XX/2019 I had managed to owe around $ XXXX from unsettled amounts from negative balances not being shown on the website, that weren't being covered by my reimbursements. The problem came in when they were sending the notices to a previous address that I no longer had access to and the mail wasn't being forwarded. Over months I was replenishing my account , drive the XXXX to work using money on my account , drive the toll see a green light after I paid. I had no way of knowing this problem way happening until months late in XXXX when I received a clump of finally forwarded mail from Professional Account Management in XXXX, Wisconsin for a sum totaling over {$1200.00}. I was calling back and forth between XXXX XXXX and XXXX XXXX trying to explain the situation over and over again to just get basic information about how the charges happened, where, getting a basic transcript that didn't even have the information I was asking for to prove what I was telling them. XXXX XXXX  representative had said on one occasion it had looked like the transponder had potentially malfunctioned and sent me a new one. I never could get straight answers about what had caused it but XXXX XXXX XXXX   said that they couldn't help me because they had released it to Professional Account Management, P.A.M said they can only waive debt if it was proven to not be your vehicle. I have been stuck in a circular cycle without hope because I am being threatened with an absurd amount, they tacked on {$35.00} on each charge of {$0.00} for " administration fees '' that blew the total cost to 2000 % over the initial charges. I spent weeks of stressing and calling agents who I would have to re-explain every time and anxiously waiting to hear back. If I had any indication that this was happening or that I had owed {$60.00} on my account I would have paid it. Please help me.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (CA)

My FMC lease end agreement was on XX/XX/2020, my purchase appointment date was set for XX/XX/2020, my new Purchase contact payment is scheduled for XX/XX/2020 and my consumer complaint is that FMC reported " 30 day DELINQUENT notices '' for XXXX & XXXX and interns made my FICO drop from XXXX to XXXX and cause the Denial of my home equity line of credit. I have made contact with FMC and they stated that they have reported their error however, when I try to contact XXXX @ XXXX but after 30 tries I had no luck for they have a horrible system so I filed a complaint under report # XXXX which is only for XXXX because they do not allow me to file again which makes absolutely no sense what so ever ... 
My objected for this noticed is to seek help on assuring my credit FICO score of XXXX is return and both XXXX and XXXX delinquencies of 30 days are removed completely from my credit report for FMC should have never reported false delinquencies. No consumer should have to bare this unfair financial reporting for it is truly successful and frustrating. Thank you and I truly appreciate your prompt enforcement in this matter.
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I went into the bank branch to talk to a XXXX in XXXX XXXX, I informed him that I just got a job and that I will be doing direct deposit in to the account that was over drafted, my first deposit was XXXX XXXX 2017. I was paying toward my negative balance they closed my account in the process without informing me when I came into the branch, that it will close if I did n't make the full amount. I talked to them over the phone and they said it was closed because I did n't pay the full amount and that the computers do n't know when someone is making payments toward it so it still will close. I went into the branch on X/X/2017 to open another account they told me it 's now being reported to the three credit bureaus and I do n't understand how if I was paying towards it and they are the ones that closed my account.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (DC)

Ally Bank allows me to setup automatic payments to be sent to my landlord on a specific date but the date at which those funds are withdrawn from my account changes. This caused my account to overdraft. I think it's wrong that the withdraw date can change without Ally having to notify me, and I confirmed that they will not be notifying me when the date changes because it's not in their control. I also feel this is something they have the duty to be in their control since I am giving them the duty of holding my money. I have attached the chat logs as evidence of what happened, but I've done my best to explain the situation below as well. At a minimum, Ally owes it to the consumer to explicitly notify them of this practice when they are setting up automatic payments. Ally should be able to leave the money in my account until the check is deposited by the payee. 

For example : My rent check of {$2500.00} is due by the end of each month. I have automatic bill pay setup to mail my landlord, XXXX, a check on the XXXX of every month to allow time for it to get to him. This is setup from a checking account with Ally. I keep this account nearly-empty because it's used to pay multiple bills and online transactions so I don't want a large sum of cash sitting in it in case it is compromised. I also keep the balance as low as possible because it doesn't accrue interest like my savings account with Ally. I have a savings account that I transfer money into this checking account automatically before the money is needed. 

For the past 2 months, the money was debited from my account when XXXX cashed the check he received, which he told me he always deposits the rent checks on the XXXX of the month. So, to cover the {$2500.00} check that is written by Ally and sent to XXXX, I transfer {$2500.00} from my savings account to my checking account on the XXXX of each month to ensure the funds are available to XXXX when he deposits the check on the XXXX of the following month. 

However, this past month, Ally withdrew the funds from my checking account on the XXXX because the check was to be issued on the XXXX and the XXXX was a weekend. In the past months, the funds had been withdrawn when the cash was deposited on the XXXX of the next month. Instead, they withdrew the funds a day before the check was to be issued. Because the automatic transfer from my savings to my checking account is setup for the XXXX, my account went into overdraft because my rent money wasn't in the account yet on the XXXX.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (MA)

1. the loan was paid off on XX/XX/XXXX 2. after not having the mortgage discharged with the Registry of Deeds ( the payoff amount included the " recording fee '' ) and not having mailed it to me either, I called LoanCare customer support on XX/XX/XXXX. They told me the discharged will be processed and the turnaround time is until XX/XX/XXXX. 
3. On XX/XX/XXXX, after not seeing the mortgage either discharged with the Registry of Deeds or mailed to me, I e-mailed the customer support. The automated response assigned the inquiry as follows : " Release Loan Satisfaction Inquiry ( Ticket # XXXX ) '' 4. as of today, XX/XX/XXXX, I haven't heard back from them. 
5. In Massachusetts, XXXX. Chapter XXXX, Section 55 requires the lender to discharge the mortgage within 45 days of receipt of full payment of the loan. Failure to comply within the 45-day time-frame subjects the lender to penalties in an amount equal to the greater of {$2500.00} or the actual damages sustained by the mortgagor as the result of the failure, together with reasonable attorneys fees and costs 6. as of today, XX/XX/XXXX, LoanCare is already in violation of M.G.L. Chapter 183, Section 55
Consumer complaint received 2020-06-02
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. (AR)

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. XXXX {$3800.00} XXXX {$1400.00} XXXX {$2300.00} XXXX XXXX {$960.00} XXXX {$45.00} XXXX {$48.00} XXXX {$0.00}
Consumer complaint received 2023-02-15
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. (MO)

Im requesting help in getting refund of {$510.00} that either Citicard MC or XXXX XXXX still has re-applied to my presentcredit card # XXXX. Initially XXXX charged on XX/XX/XXXX {$510.00} this charge at first unknown so reported to Citithey put it into investigation, cancelled XXXX credit card and re-issued new card XXXX and credited on new card on XXXX few days later I recognized the name being hotel booked in XXXX  DC ( not the XXXX XXXX XXXX XXXX and notified Citi I knew of chargethey reapplied charge on same statement on XXXXwhen contacting XXXX  around XX/XX/XXXX they said they CANCELLED reservation ( and no rooms available same rate then ) and REFUNDED XXXX to initial booking credit card XXXXappears refund never received since close dates between initial investigation refund and switch to new credit # XXXX and internal matching of {$510.00} of refund to # XXXX to # XXXX not applied by Citi or bounced back to XXXX. Ive contacted both XXXX and CitiXXXX claims refund went thru and Citi claims investigation credit given initially but re-applied on XX/XX/XXXX but No credit from XXXX. XXXX sent email showing credit given to XXXXCiti suggested asking for a check..XXXX says cant send direct or apply to new card # XXXX __they ask I request Citi re-send dispute to XXXX second applied credit on new card # XXXX. Citi says cant send second dispute on new card since dispute was on old card and closed..please help! Ive contacted both parties and inn stand still on what do nextboth acknowledge needs done. Thanks XXXX XXXX XXXX
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (MA)

I have made several attempts to get Selene finance to send me these documents and information.

1. my XX/XX/XXXXmortgage statement. 2. A validation of debt letter. 3.my payment history for the past 12 months. 4.a complete breakdown of my monthly escrow payment
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lon Inc. (MN)

Account # XXXX is being listed as charged-off/collections on all three of my credit reports effective XX/XX/20. This account was included in a Chapter XXXX Bankruptcy filed on XX/XX/20. Bread was notified of the bankruptcy filing on the creditor matrix. The Chapter XXXX automatic stays prohibits any act to collect, assess, or recover a claim against the debtor that arose before the case filing. ( Section 362 ( a ) ( 6 ) ). I insist that BREAD/XXXX XXXX XXXX cease all collection activities and PROPERLY remove the account in question or correctly notate " Included in Chapter XXXX wage earner plan. '' You can not charge off an account in an active bankruptcy case. By placing the debt in charge-off status and attempting to collect on it, they have violated the automatic stay. This is their only warning before I get my attorney involved.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis (MO)

SinceXX/XX/XXXX I have tried to have a security freeze removed from my XXXX  credit profile. I initially called them onXX/XX/XXXXand they were not able to identify me because my name didnt match their records. However, I escalated to a supervisor who was able to validate me. I was told a pin would be mailed to me in 7 business days. I waited several months and no security freeze letter was received. On XX/XX/, I repeated this process and once again was told a letter was going to be mailed, none was received. I repeated this process every month while also supplying letters demanding the security freeze to be removed. My last interaction was on Thursday, XX/XX/XXXX. 

XXXX is in clear violation for failure to respond and holding my credit profile hostage. 
Ive leaned that they have a name in my profile that doesnt match my drivers license, social security card, my passport, or birth certificate. 

Im demanding action to force XXXX  to comply and correct my report.
Consumer complaint received 2020-11-15
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

This is a Dispute against Citi Cards for a Fraudulent Transaction. 

Unauthorized/Fraudulent transaction in my XXXX,2020 billing statement from XXXX XXXX XXXX XXXX TX for {$5800.00}. 

I noticed that this was a fraudulent transaction and informed Citi Cards, Citi took a statement from me and asked if I have the position of the card and I told them that I do. After a few days Citi sent a letter stating that I am responsible for this payment as this card was used physically. 

Me or my wife never went to this store and have not purchased any equipment from XXXX, XXXX, TX. 

I did file a report with XXXX Police Department in the month of XXXX,2020. 

I have formally requested Citi to provide me any evidence that I have used this card at XXXX XXXX, XXXX, TX. 
1. Signature of the Transaction from XXXX 2. Camera or Footage of me entering this facility.

3. Any other evidence you have that can prove that I used this card in that facility. 

They refuse to provide me any information and have been charging monthly interest on the disputed amount.
Consumer complaint received 2021-04-24
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (FL)

As a result of Covid-19 economic situation, i paid my XXXX credit card just 1 day later. After that I call the companies, the said to me, that acording with Care Act, they gon na be able to remove the late payment. This happen on XX/XX/2020. Until today this bad report on my credit, even i made an extraordinary effort to paid my card in full. I spoke to the company in multiple ocasion, they dont care about the situation! please help me.
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (MO)

Discover suspended my card for no reason. I have being a customer for two years never late. Hardly have any balance. I received email from them that it was unusual activity on my account. I was trying to log in to check what activity and guess what, my access is blocked! Very smart and logical! I called this people and they told me that they need to verify that me is me?! After making payments for two years from my checking account? They told me they have to contact SS office, like SS office going to speak to them without my approval.
Consumer complaint received 2018-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

I recently applied for a mortgage and was devastated when i saw that my student loans had reported a 90 day late payment in XXXX of 2018. I couldnt believe it and the damage it did to my score was tremendous. It is not possible to go from paying as agreed in XXXX to 90 days late in XXXX. This is a HUGE error and needs to be Immediately removed from my credit reports or i will have my consumer protection attorney file a lawsuit.
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

On XXXX XXXX, 2017 we received an escrow review statement from our mortgage servicer, Wells Fargo. The statement showed that our escrow account was below the acceptable amount and that we either had to pay {$1400.00} upfront to bring our escrow account to the correct balance or our mortgage payment would increase from {$1700.00} to {$1800.00} a month. When we received this escrow review statement I called Wells Fargo the same day to figure out why it was increasing so much. The person I talked to said they will have to look into it and get back to me in a few days. On XX/XX/XXXX I received our closing disclosure and our account activity from Wells Fargo where they tried to explain the issue. From looking at the documents I was able to figure out the issue was they missed doing the initial escrow deposit on our account at the time we closed on our house. I was transferred to an customer service agent who could help me. On XX/XX/XXXX I again tried to call and figure out if they could correct the issue. I even brought in the person who was involved in the closing of our house from XXXX XXXX and she too told the Wells Fargo representative where the issue was. The person was unable to fix the issue and said they needed to look into it some more and would give me a call back. I never received a call back from them, but a call from XXXX XXXX on XX/XX/XXXX, he had helped me on a previous issue I had with Wells Fargo. I sent him all the information I had and he was able to get someone higher up, XXXX, to look at the account. On XX/XX/XXXX I asked for an update on the issue and I was told it was still being looked into and that multiple departments are working with this but they thought it would be resolved on Friday XX/XX/XXXX. Since that time I have received no new information and nothing about when or how this issue will be fixed and we are currently paying the {$1800.00} fr our mortgage.
Consumer complaint received 2018-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc. (CA)

I received a collection notice from Total Card Inc. in XXXX XXXX, South Dakota stating that they are acting on behalf of a now defunct credit card issuer XXXX XXXX XXXX. They claim that they are trying to collect on a debt I incurred using the XXXX card and offer to, and I paraphrase, resolve this debt for pennies on the dollar, potentially saving me {$1800.00}! I've never had an XXXX credit card, I had never heard of XXXX until today, and I carry no credit card debt. 

I was going to contact TCI today but decided I should hold off since by contacting them they are alerted that I'm a bonafide person which might initiate additional credit scams. 

Not sure what steps to take next. I would greatly appreciate any assistance or suggestions. Thanks for your time and thoughts! XXXX