davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

Citicards offered Balance transfer with zero interest until XX/XX/2023. However started to charge interest for every purchase you make with no regards to billing cycle and payments I make. For example if the card charged XXXX dollars XXXX XXXX  they will put 23 % for the amount on the date it was charged even when I am paying it off by the end of the month like I always paid this credit card. They claimed that in order for me to get back my end of month Grace period I have to pay the entire XXXX XXXX  back even when they took XXXX fees upfront for XXXX interest until 2023. 

No other credit charges interest for purchases which were paid within the billing cycle.
Consumer complaint received 2022-11-18
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. (CO)

On XX/XX/2022 I received a copy on my consumer report, and I noticed that someone else information was added to my credit report. I immediately contacted all parties involved about this matter and have tried to work this out to get this inaccurate information removed from my reports. Under the Fair Credit reporting Act this is a violation of my rights as a consumer. XXXX XXXX XXXX is reporting an auto loan that does not belong to me, the CFPB States the FINANCE COMPANY XXXX XXXX XXXX IS IN VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) for false and inaccurate information.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Signature Bank (NY) (NY)

A foreclosure action has been undertaken by Signature Banker against two apartments XXXX and XXXX located at XXXX XXXX XXXX, XXXX XXXX which we own as XXXX XXXX and XXXX XXXX XXXX. 
Beginning in XX/XX/XXXX, Signature Bank instituted a foreclosure proceeding against us based on faulty accounting information which Identified us as delinquent by over two months. In addition, the bank levied substantial foreclosure fees against us and wouldnt accept any checks we gave them for regularly monthly payments. 
We sent to the bank a full detail of all the payments we had made with copies of checks. Initially the bank ignored our submission however, after a complaint was made to the CFPB, the bank acknowledge that it had made an error. 
Thereafter the bank sought to correct the charges relating to the payments however, it refused to remove any of the costs associated with the foreclosure. 
Again, we sent a protest to CFPB in which we noted that the foreclosure was due to the Signature Banks erroneous accounting and levying any charge when we never should have been put into foreclosure was improper. 
We received statements from the bank in the middle of XX/XX/XXXX which appear to show the removal of the foreclosure charges. The statements had a due date of XX/XX/XXXX and showed payments due under the loan of our debt obligations through XX/XX/XXXX. It also stated that If payment is received after XX/XX/XXXX that a late charge will be incurred. Since we received the statement in the middle of XX/XX/XXXX, it was improper to charge us a late charge when we had little chance of making the payment prior to the date identified on the statement. 
In a letter sent to us on XX/XX/XXXX relating to a complaint we filed with the CFPB on XX/XX/XXXX, Signature Bank advised us that our complaint was not relevant to the foreclosure actions and stated that the bank intended to continue to charge all costs associated with the disclosure to us. The letter continued to insist that the action was initiated because of our failure to pay charges due to the bank that were due in XX/XX/XXXX. This is particularly distressful since the bank had already admitted that it had made an error and had sent us statements in XX/XX/XXXX in which these costs seem to have been credited to our account. 
This letter further stated that the Bank will not accept any monies from us unless the full amount including legal and foreclosure fees is fully paid. 
As you are aware, we have called you and advised of our concerns. We also told you that we are prepared make an immediate payment of the full amount that is owed including the charges for XX/XX/XXXX ( for which we have never received a statement ). 
For apartment XXXX ( account # XXXX XXXX the balance including the XX/XX/XXXX installment is {$21000.00} For apartment XXXX ( account # XXXX the balance due including the XX/XX/XXXX installment is {$5700.00} The total amount currently due {$27000.00}
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MI)

I have tried to dispute information directly with Wells Fargo Home Mortgage, XXXX XXXX, XXXX, and XXXX. Each time the information is updated as correct even though information / documentation supports my request and dispute. 

In XX/XX/2020 I was nervous with onset of Pandemic, my company was reducing pay, auto allowances, etc. The Cares Act was put into place to over COVID Forbearance. I was advised this would not have a negative reporting aspect on personal credit reports. This is incorrect. 

I paid my XX/XX/2020 pmt. and requested COVID forbearance out of fear of pandemic, not inability to pay. Immediately my credit score dropped nearly XXXX points. Once I noticed this in XXXX, I called Wells Fargo and requested to be removed from Forbearance. I was advised that since I had a VA loan, I had to make XXXX on time payments before my loan could be reinstated. Aug 2020-Dec 2020 I made payments on my mortgage that are not being reflected on my personal credit report. My report stated not reporting ; furthermore, my balances are not reflected correctly. All bureaus are reporting a different balance than the actual balance depicted on my report. 

I reached out to Wells Fargo requested a payoff, that balance is not the balance reported. There was a discrepancy with my Escrow account, I requested an update, that balance is not what is reflected. My credit report states natural disaster / earthquake. As I stated there was not supposed to be negative information depicted on these reports. Not reporting accurate balances, payments, stipulating natural disaster, etc., are all items an underwriter will assess as negative. 

Companies need to remove and accurately report. I was not advised correctly and that was not anyones fault, we were in uncharted waters. My complaint is once I noticed I reinstated my payments, and they are not reflecting on my credit reports. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-01-25
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. (CA)

We notified Best Buy / Citbank credit card in XX/XX/XXXX about some re-occurring charges on our card from XXXX for {$29.00} per month dating back to XXXX. A total of 18 charges for a grand total of {$530.00} not including interest and fess paid over this time.. We opened a Fraud Claim. We heard back from Ciitbank on XX/XX/XXXX that the information reviewed does not sustantiate a claim on of unauthorized use. We NEVER signed up for any services with XXXX other than having a free profile with our Employers to share content about our companies. My husband and I do not have any credit card information linked in our profiles. Nor have we used any of their paid for services. We are not sure how our credit card information was picked up. Our Citibank card is/ was used for the purchase of refrigerator and two re-occurring charges for XXXX and XXXX XXXX. We have auto statements and auto payments with this account. We tipped us off was at the end of XXXX beginning of XXXX my husband received an email from XXXX about adding a new credit card to our account. thinking it was spam it still prompted us to look into this seperately and then review our accounts. We then notified Citibank of the fraudulent charges. My husband and I are both essential workers and have been traveling with work throughout the pandemic. The response from Citibank is disturbing... These are fradulent charges and we did not sign-up for any services with XXXX. We can show our profiles to prove we do not have credit cards linked to our profiles. We tried to also resolve this with XXXX and have received no reponse. XXXX has 493 compliants about this scam from XXXX.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: SOUTHSTATE CORPORATION (FL)

I WENT IN TO XXXX TO USE MY CHECKING ACCOUNT, THE TELLER TELLS ME ITS CLOSED AND WENT TO COLLECTIONS. 

SHE SAID IF I PAY THEM {$180.00} MY ACCOUNT WOULD BE OPEN AGAIN I PAID THE {$180.00} AND SHE SAID " IM SORRY MY SYSTEM IS FROZEN, THERES NOTHING I CAN DO SINCE IT WENT TO COLLECTIONS ' THIS ACCOUNT WAS CHARGED OFF THEN SHE TRICKED ME INTO PAYING THEM MORE MONEY. 

I AM DEMANDING A REFUND OF {$180.00} AS THEY WERE PAID TWICE, THIS IS ILLEGAL AND UNFAIR
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

Citi Costco Visa credit card closed my credit card in XX/XX/XXXX without notification. In XX/XX/XXXX I received a letter explaining that they closed my credit card because my membership with Costco has not been renewed. Also, the accumulated cash back that they need to pay me by XXXX, a litter more than {$940.00} have been forfeited. I called Citi and Costco and they verified that my membership with Costco is active until XX/XX/XXXX. Following Citi instructions, I applied to reopen the credit card to save my {$940.00} in accumulated cash back. I have been calling Citi and Costco to get an update about my credit card but Citi cant provide any information of my case by phone. I have been waiting for a promised call from Costco but no body call me. I have more than 700 in credit score, I paid my credit card in full every months. In 36 months with Citi Costco VISA, I only pay late in XX/XX/XXXX, the remaining 35 months I paid the credit card on time. My membership with Costco is active and I do not need to renew it until XXXX. It is unfair that they closed my credit card 2 months before they need to pay me {$940.00} in cash back reward. See attached copy of the letter from Citi Costco Visa and my active membership with Costco.
Consumer complaint received 2022-01-25
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. (WI)

I XXXX XXXX XXXX have disputed this situation for years with XXXX XXXX and Equifax Credit Bureau. Pertaining a bankruptcy, a chapter XXXX and a chapter XXXX I have submitted forms from the US Bankruptcy court and from XXXX XXXX stating their information was deleted. The courts told me that they do send the credit bureau no one information or verify. But when i dispute it, they come back and tell me that the US Bankruptcy courts verified it and it's a lie. So please help me clear this bankruptcy off my credit report. 

contact me at XXXX XXXX XXXX
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX has been/continue to report a moving credit available, in order to always make it appear as if I'm utilizing over 95 % of available credit. This really represses my score, and has the worst impact on my credit score to date. To be clear here is what happened. I opened a short term loan of XXXX from XXXX XXXX to finance repairs. Some time in XXXX, they started reporting the balance due as the available balance.
Consumer complaint received 2018-08-06
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: CITIBANK, N.A. (TX)

XXXXCBNA Closed : XX/XX/XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit {$800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 9 yrs, 9 mos ) Payment History Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Account closed by credit grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX It was taken out by my Mom & Dad not me
Consumer complaint received 2019-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (MD)

After receiving notification via email from XXXX XXXX at TrueAccord on XX/XX/XXXX about an outstanding debt I had. I had asked a question about having signed documentation to have the account removed from my credit report once paid. I then received an answer that I did not see until today XXXX, on XX/XX/XXXX with this reply " Thank you for reaching out about this balance. 

TrueAccord does not credit report. If XXXX XXXX, XXXX reports, they will update the credit reporting agencies as required. It may take the credit reporting agencies more than 30 days to reflect the update. For more information, you can go to www.consumer.ftc.gov and click on Get your free credit report to get a free copy and see for yourself. 

Please let us know if you have any questions. Were here to help. 


Best Regards, XXXX XXXX '' I then on XX/XX/XXXX XXXX emailed again trying to touch base about my balance. Not having seen the previous reply I again asked my same question. And on XX/XX/XXXX got a reply XXXX XXXX, which again I did not see until today. XX/XX/XXXX XXXX emails me again, regarding my debt, but does not answer my question. On XXXX in then get this email from the name on the email, not even answering my question. 

" Thank you for replying to our email. 

You can reach us at XXXX. Our office is open Monday through Friday XXXX XXXX  to XXXX XXXX  ET. 

Please let me know if you have any questions. Im here to help. 


Best Regards, XXXX XXXX '' So on XX/XX/XXXX. I again ask the same question as previously mentioned, and get the same reply as previously stated in this complaint from XXXX XXXX. I then email back wondering why they can not get paperwork together to sign stating my concern when the creditor hired them to take care of my debt. So at XXXX today, XXXX emails me again with the same generic email to call them. 

I will not call because I want this documented on email. It seems to me this should be a simple matter to resolve.
Consumer complaint received 2016-11-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I have connected XXXX along with another savings provider to my Chase account for several years. But Chase is now not allowing the account to be linked so I can monitor my savings, budgeting, etc. I am a divorced parent with a child in college and the budgeting tools I am using help me to stay on top of my expenses and monitor my daughter 's educational costs. Please advise if it is legal for the bank to block me from using this site to help me manage my budget if I give authorization for these third party providers? Thanks in advance for your help.
Consumer complaint received 2020-01-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SUNTRUST BANKS, INC. (DC)

According to my personal records, Sun Trust bank always harass, threaten, contact me during night such as XXXX - the way same as some other criminal nuisance in Washington DC XXXX In the past, I already notified this bank to stop sending me emails during night especially during the mid night such as XXXX. However this bank never change its harassment and threat nature. Instead this bank constantly use false excuse such as charge monthly maintenance fee to steal money from my personal checking account. I have notified this bank at least 5 times in writing asking them to stop interfere the matters which were totally irrelevant with Sun Trust. ( see attachment ). Most recently, from XXXX, XXXX, XX/XX/2019 this bank used false excuse such as deduct XXXX  XXXX   monthly maintenance fee to constantly threaten me as a bank 's customer. In the past, I already filed two formal complaints with CFPB accusing Sun Trust bank 's criminal activities. Its behavior and conducts already committed criminal harassment, threat, intervene, interfere, bullying etc. toward me as a victim. Its criminal behavior was exactly like a funeral truck who carried two lines of lights driving toward me at end of 2019. That truck was attempted to access me just like the way Sun Trust deducted money from my checking account in XXXX, XXXX and XX/XX/2019. As I informed Sun Trust, you must pay all my damages {$25000.00} harassment charge for total at least 4 times. Insufficient promotional bonus {$500.00} for the year 2019 when customer like me completed 10 debit purchase and at least {$500.00} direct deposit. Plus under my urgent and extremely serious complaint to CFPB three times to ask return {$20.00} stolen money from my checking account. Until now you have not returned yet after you received my complaint 4  days already except the previous complaint in XXXX and XX/XX/2019. My attitude is very clear and my action is firm, I am NOT going to concede or deduct a penny toward your constant criminal activities. I am being harmed on the monthly basis. And I have great concern about my safety of deposit. As I informed you, the earliest you pay all my claims filed to CFPB as well as the claims filed to mycardbenefits, the earliest I will leave. If you want to interfere some other criminals matter then the default judgment owed by the other States is your debt : {$5200.00} XXXX plus 20 % interest and criminal restraining order & permanent restraining order ( Please do NOT send me emails or any contact during night. Opt-Out all marketing materials and contact such as call, email, mail, fax etc. ) I am NOT willing to concede. I am NOT willing to deduct a penny. As I said my decision is FIRM.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

9 unauthorized ACH withdrawals from my account contacting bank : XX/XX/2022 phone call about unauthorized ACH withdrawal XX/XX/2022 phone call about unauthorized ACH withdrawal XX/XX/2022 branch visit about unauthorized ACH withdrawal XX/XX/2022 branch visit about unauthorized ACH withdrawal XX/XX/2022 secure center message about same per info I received from bank I have authorized all transactions. I have requested documents / proof I authorized transactions and bank refused to provide this document on several occasions- in person / at branch and also by secure message
Consumer complaint received 2022-11-18
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)

XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX are unverified unauthorized accounts, I am a victim of identity theft and found these reported on my file and since then Ive filed a ftc report and reached out to creditor and Equifax to have them removed but they still reflect
Consumer complaint received 2020-01-04
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (LA)

I had an account with XXXX Utilities which was bought by Transworld Systems. Transworld is reporting to XXXX that my account was placed for collection XXXX/XXXX/XXXX. I left Pennsylvania in XXXX XXXX where the account was located due to XXXX XXXX. Therefore the date Transworld is reporting as the " date placed for collection is incorrect. I disputed the date with XXXX that Transworld is reporting and they refuse to update it to the correct date which would be XX/XX/XXXX or XX/XX/XXXX. I need the date corrected as soon as possible.
Consumer complaint received 2022-11-18
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. (FL)

RE : XXXX XXXX - showing an outstanding balance ( charge off ) of {$7700.00} There is no more outstanding balance as the leased property was returned to the company and the contract terminated. This company has failed to produce any evidence of a left over balance despite many written and verbal requests. This balance must be updated to {$0.00} or the account deleted in entirety. Thank you.