davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

When I apply for my CR online, per their website ( Experian ), I get referred to this site : https : /XXXX Alas, when I enter my information into this site both XXXX  and XXXX provide my report immediately, but Experian states there is a problem with the site and I have to request my report by mail. This happens every year. They deliberately make it difficult for us to get our report. I should not have to apply by mail. 

( We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX )
Consumer complaint received 2022-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Truist bank took over our loan. During this process, we had to submit insurance information. 
We did so. Our insurance was canceled on us and we got new coverage. 
There was a 3-day lapse in the old coverage ending and the new one starting.| Truist sent us a bill for around {$17.00} to cover the 3 day lapse. We paid it. 

At the same time, we received letters to submit our insurance. We did so promptly. 
They stated if we don't submit the documents in 3 months we would have an escrow account opened on our mortgage. We submitted everything on time. 

Over the last 2-3 months I have been charged {$140.00} additional for an escrow account. 

I have called over 3 times and waited on the phone for at least 2 hours each time. I have been told to submit a form, which I never got. On the second call, I was told that I have insurance and I don't need the escrow account. And a request was put in to remove it. 
On the 3rd call, I was told I shouldn't need an escrow account and I would have it closed with the escrow total sent in the form of a check. I was also told my loan doesn't need a form to cancel the escrow. 

Now I have received a letter, that they are unable to comply with my request to remove the escrow account. 

This is taking a large chunk out of our savings. We have full coverage on the house. And they are charging us for nothing. I can't pay my mortgage without also paying the escrow charge. 
This is going to add up to an extra {$51000.00} over the next 30 years not counting compounding interest.
Consumer complaint received 2022-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (GA)

In XXXX of XXXX, I changed my mortgage insurance from XXXX to XXXX and was issued an escrow refund. I called my mortgage lender SWBC and asked what I needed to do so that when I mailed to escrow refund to SWBC it would be applied to my escrow and not as a mortgage payment. I was told to include a note on the check. I asked for the person taking the call to make a note on my account that this additional money was to be applied to escrow and the person I spoke with agreed to note it on my account. I put a note on the check and sent it in to SWBC. 
SWBC applied the money as an additional mortgage payment causing my escrow account to come up short and now SWBC is demanding {$4300.00} in repayment. I called SWBC XXXX times. Each time I asked them to go back into my account and apply the money I sent as it was supposed to be applied and correct any accounting on my account. They refuse. They want to move money here and there and allow me to skip a few payments but pay off the escrow. I want the accounting corrected and straight so that later on my account is in tack as it should be. SWBC continues to ignore me and play with my money. I need help asap, please.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CT)

On XX/XX/XXXX, I attempted to add my debit card to XXXX XXXX, but encountered an issue due to a bank inconvenience. The following day, XX/XX/XXXX, I relocated to XXXX and attempted a purchase, only to have the payment declined. Thankfully, I was able to withdraw cash using an ATM. 

Subsequently, on XX/XX/XXXX, I tried accessing my account via both the app and the webpage, but encountered technical difficulties. A message indicated the issue was related to technical problems. 

By XX/XX/XXXX, upon contacting the bank, I was informed that my account had been blocked due to a suspected fraud alert. They mentioned communicating with their fraud department to verify my account and resolve the issue. During the call, they requested my full name as listed on the debit card, the debit card number, the secret word, and the last XXXX digits of the ID provided to the bank when opening the account. 

Furthermore, they asked for a number to receive an SMS verification code, to which I provided the numbers already registered in the account. However, they stated it was not possible to use these numbers for verification and abruptly ended the call. I made XXXX more attempts to contact them that day, with each call ending similarly. 

Despite my urgent need to access funds for various expenses related to my relocation, subsequent calls yielded no progress without the verification code. Initially, they claimed the letter containing the code was sent on XX/XX/XXXX. However, during a call on XX/XX/XXXX, they stated it was sent on XX/XX/XXXX, and I would need to wait an additional XXXX to XXXX business days. 

Unable to visit a bank branch without the verification letter, I remain unable to close the account or conduct any transactions. My identity alone is insufficient for verifying the account. 

With over 20 days elapsed since access to my account was lost, my entire salary and all my savings remains deposited there, leaving me unable to even use services like XXXX.
Consumer complaint received 2022-08-14
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: Upgrade, Inc. (TX)

Here is a summary of my interactions with the company Upgrade over the past month. 
XXXX. UPGRADE INC : XX/XX/XXXX, email sent to Upgrade : " To Whom It May Concern : According to your records on XX/XX/XXXX, someone opened up several unauthorized accounts with upgrade while using my name, address, and personal information. I filed a claim with your claims department on XX/XX/XXXX. The address that these Upgrade visa cards are being sent to is my old address and were forwarded to my current address. Today ( XX/XX/XXXX ), I received a second card with a different credit card number than the first one that was sent this past week. I would like to also file a claim against the second card that was sent to me on XX/XX/XXXX. 
Please stop sending pre-approved Upgrade visa cards in my name. Finally, I would like for all accounts and the address on file to be flagged as 'FRAUD ' and 'IDENTITY THEFT '. Also, I filed a police report concerning both incidents. If you have any questions or concerns, please contact me directly. '' XX/XX/XXXX, phone conversation with Upgrade : I called upgrade Inc on the above date with a request to close the accounts and tag them as fraudulent. Upgrade Inc XXXX Department stated don't worry the account would be shut down and tagged as fraud. 

XX/XX/XXXX, XXXX XXXX email received by XXXX Bank XXXX XXXX XXXX for Upgrade Inc stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$7500.00}. The lender, UPGRADE INC, is reporting this new account to the credit bureaus. 

XX/XX/XXXX, XXXX XXXX email received by XXXX Bank XXXX XXXX XXXX for Upgrade Inc stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$4000.00}. The lender, UPGRADE INC, is reporting this new account to the credit bureaus. 

XXXX. XXXX Here is a summary of my interactions with the XXXX XXXX over the past month. 

On XX/XX/XXXX, there was an inquiry of my credit by XXXX XXXX. However, such was not authorized by myself as I have never even been to a XXXX XXXX before. 

XXXX. XXXX XXXX Here is a summary of my interactions with the company XXXX XXXX through XXXX XXXX DC XXXX XXXX past month. 

On XX/XX/XXXX, I received an alert stating the following : " It looks like there's a new balance of {$300.00} on your Bank Card that you haven't use for XXXX  months or more. Please let us know right away if this wasn't you. ''
Consumer complaint received 2024-05-07
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NJ)

In febuary of 2023 I tried to save the life of my dog, XXXX by going through the emergency vet and racked up about {$10000.00} in bills due to this, despite this she unfortunately died. During this period of time I also lost my job of XXXX years. To cover this bill I took out {$7100.00} in credit from Care Credit. Since that I have made all payments on time and have paid off a smaller promotional balance. I made an error and did not check that the promotional balance expired and was subsequently charged {$1900.00} in interest on top of my remaining balance which is {$4300.00} I have just barely enough in my savings to pay off this balance but can not pay the additional interest. 

I have since spent multiple hours on the phone with carecredit/synchrony aswell as the live chat and have not been able to get forgiveness on the interest so that I can settle this debt. 

I have screenshots of the live chat in which a representative told me I could pay my promotional balance after which they would be able to take off the interest however the rep rescinded his statement moments later and said it was an mistake. 

The phone rep said my only options would be to go 90 days delinquent on payment and I would be offered a settlement or, I could enter the financial hardship program but apparently I did not qualify for the financial hardship program as I have no income currently and only savings. I am doing my best to settle this debt without ruining my credit and this process has been incredibly defeating. 

I have also sent a letter in email to all corporate email addresses I could find online. Basically just describing my situation and making a plea for forgiveness on the intrest so I can pay the balance.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (GA)

1. XXXX XXXX XXXX REPORTING 3 TRADELINES AS NEGATIVE TOTALING PPROX {$5000.00} ( SEE ATTACHED XXXX  XXXX DISCHARGE ) 2. US DEPARTMENT OF EDUCATION XXXXREPORTING 6 TRADELINES AS NEGATIVE TOTALING APPROX {$48000.00} ALL ACCOUNTS WERE INCLUDED IN 2015  BANKRUPTCY AND DEBT DISCHARGED 1099C FILED 3. XXXX XXXX 1099C FILED NO MORE COLLECTION 4. XXXX XXXX XXXX HAS THE ASSET, FILED 1099C NO MORE COLLECTION AND HAS BEEN REPORTING DUPLICATES AND AGGRESSIVELY. nO WRITTEN CONSENT. ( SEE ATTACHED 1099c ) REMEDY : REMOVE ALL VIOLATION FEE {$1000.00} EACH TOTALING {$11000.00} BANCRUPTCIES ID XXXX FILE WAS DISMISSED REMEDY : REMOVE VIOLATION FEE : {$1000.00} HARD INQUIRIES : THE FOLLOWING DID NOT EXTEND CREDIT DUE TO INACCURATE REPORTING OF VARIOUS DATA FURNISHERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Remedy : Remove all inquiries VIOLATION FEE {$1000.00} EACH TOTALING {$18000.00} ( also includes duplicate. 
corporations inquiries ) Personal Information ( SEE ATTACHED ) 33 INCORRECT/INCOMPLETE DATA Remedy : Remove all inquiries VIOLATION FEE {$1000.00} EACH TOTALING {$33000.00} ( also includes duplicate entries )
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Norman & Associates, Inc. (GA)

On XX/XX/2024 I received the following voice mail from XXXX XXXX on my business line. 
I have no knowledge of her or the company and have never received a letter from them. I initially called a local law firm with the same name and they stated they do not have an employee by that name. I researched the number and found them to be a debt collection company called Norman and Associates, collections services not the local XXXX Firm of Norman and Associates as she stated. She also never stated she was a debt collector collecting on a debt and any information obtained will be used for that purpose. I believe this type of voice-mail she left is a violation of the FDCPA regualtions. 

Some of the verbiage does not make sense either. It sounds as if she is trying to impersonate an attorney. I have the voice-mail saved. 

I'm calling for XXXX XXXX. My name is XXXX XXXX with the firm Norman and Associates. I'm contacting you because we had sent you out a letter last may and you have never been responsive to any of the letters have been sent. I'm issuing out a finalized letter to you. Let you know what your status is and when my client stands as we are discussing anticipating the next steps that are needed to take in order to resolve this matter with you about your input typically just basically involuntarily we have to get this matter closed and get it resolved and if you're not going to be responsive. We can't continue to hold it for you. This is my call again, my name is XXXX XXXX. My number is XXXX thanks.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (NY)

I would like to file a complaint with XXXX XXXX XXXX XXXX XXXX for Using Unfair Debt collection practices. 15 U.S. Code 1692, Consumer was never properly given 5 day notice, nor a chance to communicate if a debt was disputed or paid. 2. XXXX XXXX XXXX, has not proved or validated if they have ever had entered or have a contract with the consumer, there is no proof of original contract agreement, nor consumers signature, no proof of full account number. 

XXXX XXXX XXXX has performed Unfair Practices 15 USC 1692f Debt collectors may not harass or annoy debtors, may not threaten legal action. XXXX XXXX XXXX has used false and deceptive, and or misleading representation or means in connection of debt. XXXX XXXX XXXX XXXX XXXX has Disclosed my personal information with others to falsify a bad reputation of Consumer XXXX XXXX. XXXX XXXX XXXX XXXX XXXX has used false representation of the character and or legal status. XXXX XXXX XXXX has never entered into any agreement with XXXX XXXX. XXXX has proof of this, further more the entire 15 USC 1692 Of Unfair Debt collection practices has been performed by XXXX XXXX XXXX And Citi Bank , N.A . Citi Bank may have committed tax fraud.
Consumer complaint received 2020-07-03
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: Service Finance Holdings, LLC (FL)

To whom it may concern : Over the last month or so I have been repairing my credit in order to buy a house next year. Before I started my credit score was in the 500 's. After paying off debt my credit score rose to nearly 700. Almost within days of that happening there were two inquires made two days apart from the same person. The first credit check came from a company named Service Finance Co. LLC. I received the alert from my app XXXX XXXX so I immediately followed up with the company. After speaking with a rep we both came to the conclusion that this person and I had the same first, middle and last names and the first 5 numbers of our social security numbers. The rep advised me to reach out to XXXX  who then advised me to reach back out to the company that ran the credit check. After speaking to a supervisor at Service Finance Co. LLC and after that supervisor spoke with his superiors, they informed me there was nothing they can do sense all information was correct except for the address of the person needing the loan and the last four of the social. Another company named XXXX XXXX also made an inquiry for the same person the next day with all of the same information used before. After talking with this rep she informed that they have no locations in the state I live in. However the first company I mentioned has its office in the state I live in, in fact they are only a few hours away. XXXX XXXX said they would get back to me and never did. Both of the companies I am speaking of provide services for home improvements but I do not own a home and never have, I live in an apartment. Both of these companies have left me in the dark about these credit checks and are not being helpful at all and are telling me to talk to XXXX. XXXX  can not assist until these companies write a letter to XXXX  with my information stating there has been either an error ofrfraud. I would appreciate all the help I can get to have these two items removed from my report. I have taken further action and locked all 3 credit bureaus from providing credit checks until I remove them. Thank you
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I made a deposit to my checking account to cover some online purchases. I moved these funds over prior to making the purchases. When I checked my account this morning the bank levied a XXXX overdraft charge even though I was not in the negative at any time. I have a screenshot of my activity proving this. I contacted the bank and they admit that while I was not in the negative, because I made the wire transfer and the purchases after their cutoff date, they reserved the right to levy what they call a " virtual overdraft fee ''. I 've been banking with FNB since 2011 and have never had any problems until their merger with Metro Bank this past year where all of a sudden they started to do all of the shady Metro Bank traditions that they and XXXX XXXX have been well known for.
Consumer complaint received 2020-05-16
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: Experian Information Solutions Inc. (NC)

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), EXPERIAN is required to respond to a consumers and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. EXPERIAN has violated the FCRA and did not respond within 30 days.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fig Tech Inc. (TX)

FIG TECH INC is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( FIG TECH INC ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( FIG TECH INC ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. FIG TECH INC can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from FIG TECH INC for the cancelled debt in order to file as ordinary income. Where is my 1099-C FIG TECH INC is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! FIG TECH INC has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In FIG TECH INC terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and XXXX are not an affiliate of FIG TECH INC nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2024-03-12
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 (NY)

The debt in question was more of falsely using my credit profile against me by setting up fraudulent debt of {$830.00} and then asking for XXXX XXXX through debt collection agencies. This purported debt has been disputed and canceled 5 times already. Now a new collection agency ( JEFFERSON CAPITAL SYST Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is harassing me for the same debt from XXXX XXXX and a representative of the collection agency is asking for lewd relationship with me over the phone for a fraudulent charge on phone service that was discarded since XX/XX/XXXX and threatening arrest, lawsuits and imprisonment if I do not comply. This treacherous mockery has dropped my credit below XXXX and I want {$18.00} XXXX for the damage conducted on my credit history and Scores due to a major XXXX from XXXX - XXXX.