davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

To Whom it May Concern, My complaint has to do with Citi Cards Visa Costco membership Visa card. 
My card was denied this last Saturday ( XX/XX/2019 ) when I went to make a purchase at Costco. I called and the automated attendant indicated my account was past due. I called this morning and payed the amount due over the phone using my routing and account numbers. Then I asked to speak with a person to find out how this happened. 

The person indicated that I missed two payments. They then told me I was enrolled in paperless statements back in XXXX, which I would have never done because I have a bookkeeper that pays my bills and I like to give them the paper statements. When I asked why I didnt receive by paperless bill, they said I didnt enter an email address. Then I asked why they didnt contact me when they had no where to send my bill and they said that regardless if I get a statement or not, it is my responsibility to send a payment. Why would someone enroll in paperless billing and not enter an email address?!!! They said its all automated. Whatever that means. 

Then I asked if they reported this to the credit reporting agencies and they said they did. This is the issue! I take good care to keep my credit rating high, so I asked if they could retract the notification to the credit agencies and they said they couldnt and I would have to contact all the reporting agencies and appeal it myself. I pay my credit cards in full every month and Citi knows this as I have never missed a payment or carried a balance. 

There is push right now to make everyone go paperless. Im older and I dont want to go paperless. This has happened with another one of my accounts as well ( a car lease ). I believe there is a push by all companies to not send out bills anymore. I believe a somewhat deceptive practice is going on when you log on to their websites that forces you into paperless unless you opt out, rather than a deliberate opting in. When the mistake is theirs, or at least substantially on their end, I find it onerous on the part of the customer to have to track down all the reporting agencies, then make an appeal, that in the end may be denied. If the companies can report a missed payment, but the mistake is on their end, why cant they retract the credit reporting company notifications. 

Ultimately, I would like Citi to retract their credit reporting agency notification that I dont pay my bills on time. Please advise. 

XXXX XXXX
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I am in the process of trying to refinance my home with my current finance company to lower my payment and possibly lower term of loan. 

On Monday XX/XX/2019 I contacted the three credit bureaus to get the global freeze lifted for five days in order for my fianc company can run credit reports. I did not have any issues with XXXX or XXXX. 

After serval attempts I was finally able to get in contact with Equifax. After explaining to the CSR what I was calling for, I was asked for a few security questions. I answered the question, but was unable to give the Exact date that my bankruptcy over five years ago took affect. I explain to the CSR that I have been in a major car accident and have short-term memory loss due to an injury. I was unable to give her the exact date and I was told that she would not lift the freeze. I questioned Why she never bothered to ask for my six digit pin code, I never received an answer. I was transferred to a supervisor his ID # XXXX I was asked to send a copy of my Social Security card and my drivers license number to them. I told them they should have all the information they need and I was willing to give my six digit code but he would not except my code. He refused to release the lift on my credit although I told him Im trying to refinance get my house no lower due to the fact I am XXXX now, he still refused without my sending copies of my Social Security card and my drivers license to them. I refuse to send a copy of my license and my Social Security card to a complete strangers that I could hardly understand due to their Accent At this time I am still unable to get them to release my global left and I am having difficulty refinancing my house due to this issue. I do not understand why they would need a copy of my drivers license and my Social Security card which is basically given him all of my identity just to get them to lift a global freeze on my account, after all the other credit bureau companies Never requested copies of my social security card and my drivers license.
Consumer complaint received 2019-10-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

ReconTrust ( Headquartered in XXXX XXXX, CA, ReconTrust is a member of the Bank of America family of companies. XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX ) was a debt collector foreclosing on my home and by the time we were able to get this stopped they had added about {$20000.00} to the balance of my loan without providing comprehensive itemization for the sum provided in the loan modification " ReconTrust is a foreclosure trustee that is legally required to act as a neutral party on behalf of both the lender and the borrower while conducting foreclosure proceedings in good faith and in accordance with the law. '' XXXX XXXX   XXXX However, Recon Trust refused to respond to our communications, refused to acknowledge funds paid and instead stated that we had not paid though we had documentation to prove otherwise.

Recontrust violated : 15 U.S.C. 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

ReconTrust subsequently had sent us notice of Trustees Sale noting that unless we cured the balance due it would be sold at public auction and at the local court house the auction was posted on the public bulletin board. The unpaid balance was different than the balance that we believed due by about {$20000.00} in charges that were not itemized.

ReconTrust also stated in the notice that it was a debt collector attempting to collect a debt and that any information obtained would be used to collect the debt. The notices sent to us by ReconTrust contained misleading information regarding the amount due and alleged owed.

The unitemized summary balance was used to modify the loan raising the balance approx. $ 22-24,000 higher than the balance we understood due and owing at the time. 
But we could not get anyone to talk to us. Even a local realtor volunteered to assist us in calling them on our behalf but could get no response. 
ReconTrust was listed as a Trustee but acted only as a debt collector and refused to respond to my calls, thereby assisting BAC in what I have continue to believe was fraud regarding the issue of the additional amounts added to my original loan amount.
Consumer complaint received 2019-10-21
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. (FL)

Experian is in violation of the FCRA for continuing to report fraudulent accounts on my credit profile. I have disputed these accounts to no avail and Experian is now refusing to investigate. 
Experian Report # XXXX
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: GREAT WESTERN BANCORP, INC. (NE)

On XX/XX/2020, I contacted my bank in order to stop an automatic debit payment for an insurance company I no longer do business with. I initially spoke with customer service personal, who advised me I could not stop the automatic debit payment from happening. I demanded to speak to another person and was connected to my " banker '' in XXXX XXXX, XXXX at one of the 2 Great Western Bank locations. I was again told it was impossible for me to stop the automatic debit payment due to laws and regulations regarding banking in the United States. The conversation became heated, the individual refused to give me her supervisors name, and I do not remember her name. The " banker '' used the current pandemic situation as her reason for not giving me her supervisors name. Great Western Bank will not allow me to control my account in accordance with federal law, specifically the right to stop automatic debit payments.
Consumer complaint received 2019-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX TD Cases # XXXX # XXXX # XXXX Dear Sir : Attached you will find my documents for credit card transactions which I conducted with XXXX XXXX using stolen credit cards. The summary sheets show that XXXX XXXX gave me credit card information so that I could pay myself and the consultants for architectural work which was contracted by XXXX XXXX. TD Bank has back charged me a total of {$12000.00} for transactions on TD Account XXXX, that were done by XXXX XXXX using stolen credit cards. I had no knowledge of the stolen credit cards used by XXXX XXXX. 
The architectural project was a new house to be built at XXXX XXXX XXXX, XXXX, NJ XXXX. 
The summary of transactions shows the amount of money deposited to TD Act. XXXX and the amount of money paid to the consultants. The cards were charged using XXXX and the payments to the consultants were paid using XXXX. When the card used to pay {$4800.00} was discovered to be fraudulent all credit card payments ceased.
Consumer complaint received 2023-04-08
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS 9PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-10-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AR)

On XX/XX/2019 I, XXXX XXXX, contacted my mortgage company ( PennyMac ) to discuss an error that occurred with their payment app. My wife logged on the app after hours on XX/XX/2019 to pay our mortgage. Her first attempt failed and an error box popped up stating that her attempt did not work and to try again later. So she tried again and it went through just fine. Fast forward to XX/XX/2019 we went to get gas and realized our account was over drafted. Upon further inspection an additional mortgage payment was withdrawn. I contacted PennyMac and they  returned this money after I argued with the lady on the phone for 20 minutes and she refused to let me speak to a supervisor as he was busy ( yet she kept putting me on hold to speak with him ).  Well today, XX/XX/2019, we woke up to find that PennyMac took  the returned extra mortgage payment BACK out of our account and it set our account back in the negative.
Consumer complaint received 2019-10-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/2017 I became XXXX and still am XXXX now. For 6 months following my initial XXXX date I received no income. It was hard to even keep food on the table. Id bought a vehicle prior to my XXXX and could no longer afford payments. I contacted my finance company to voluntarily surrender the vehicle. They wouldnt acknowledge this and rather than picking up the vehicle, they continued to harass me for the payment for 5 months, all the while the vehicle sat in my driveway undriven and in immaculate condition. Then, it was repod like a thief in the night. Id have given them the keys but they preferred to treat me like a criminal. After a couple of months, I began receiving calls from a debt collector. The truck had been auctioned and of course, there was now a negative balance they claimed I owed. This debt collector called both my wife and Is cell phones Sundays, Saturdays, morning, night, holidays, etc, daily demanding a payment. This went on until just a couple of months ago when I explained that I have been on XXXX and didnt realize the dealer shouldve paid off the vehicle with my XXXX insurance I was sold by the finance department. Theyve now sold the debt to a new debt collector. I challenged this debt with XXXX XXXX who ruled in the debt collectors favor, naturally. Im trying to buy a house now and cant because this bogus crap is on my credit report. Id like to sue all involved. They shouldnt be able to get away with ruining a XXXX mans life, but they do.
Consumer complaint received 2023-04-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (IL)

In XX/XX/2016, my car was falsely repossessed. If you review my credit report, I had all on times payments and out the blue the car was taken. I called and tried to rectify and no one could give me answers. Then I was hit with a XXXX debt on my credit. Ive written in complaint after complaint and the amounts keeps changing. Never received a proper response from the company to confirm if the repossession was valid and the amount is wrong based on the original claim. 

Creditor : Credit Acceptance Corporation Acct : XXXX
Consumer complaint received 2023-04-08
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: Affirm Holdings, Inc (NY)

On XX/XX/2023 Account Name AFFIRM INC Account # : XXXX Account date open : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
ACCORDING TO FAIR CARES ACT
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

Dear Chase Customer Service, I am writing to express my dissatisfaction with the service I have received from Chase Bank. I have been a customer for one year and four months and have maintained a checking and savings account with your bank during this time.

Recently, I applied for a new credit card with Chase Bank. However, I have been repeatedly told that I do not hold an account long enough to be eligible for the credit card. This has made me feel extremely uncomfortable and has left me wondering if Chase Bank values its customers.

I am disappointed that after being a loyal customer for over a year, I am being denied access to a credit card that would provide me with financial benefits. This not only undermines my trust in Chase Bank but also hinders my ability to manage my finances effectively.

I would like to request that you review your policies and processes for credit card eligibility and make them more transparent and fair. I also request that you provide me with a valid explanation for why I am being denied a credit card despite being a customer for over a year. I hope that this issue can be resolved promptly and that you will take necessa
ry steps to improve the level of service you provide to your customers. 

Sincerely, XXXX
Consumer complaint received 2022-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-10-21
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. (NC)

I filed a complaint with CFPB regarding an account XXXX XXXX XXXX on XX/XX/XXXX. This item was successfully removed from my XXXX report based on the CFPB 's investigation completed on XX/XX/XXXX complaint # XXXX. I submitted the documentation to CRA Experian and they have refused to remove this account from my report. I am requesting that this account be removed from the other 2 credit  reporting agencies ( Experian & XXXX ) based on the investigation results that removed the item from my XXXX report.
Consumer complaint received 2020-05-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK (CA)

On XXXX I requested assistance from Discover Student Loans because of the Coronavirus and I was granted the disaster relief. However, as the situation hasn't changed much and XXXX XXXX residents are relatively still in lockdown at least until the end of XXXX as recently announced, I called Discover to extend the disaster relief on my account to find out that even though Discover has signed an agreement with Governor of California pledging to help private student loans borrowers with an extended disaster relief, now Discover is changing the terms of the original Disaster Relief and it will be charging interest during this time even though payments are not required. Not having to make the payment does help but charging interest during this time just creates a snowball that will only make the overall situation worse by the time repayment begins. On top of that, Discover is charging the variable rate wrong. Accordingly to the Discover Student Loan agreement, the variable rate is updated every quarter to reflect the new Prime Rate index so the rate is updated every XXXX, XXXX, XXXX and XXXX. However, Discover current rate which should have been updated on XX/XX/XXXX, is showing a Prime Rate Index of 4.25 % even though such index was officially reduced to 3.25 % since XXXX XXXX. Therefore, not only Discover is charging interest to all borrowers during a complete global crisis, they are also charging such interest at a higher rate than it should be. It is pretty unfortunate to see how such an institution ( Discover Financial Services ) which received taxpayer money as BAIL OUT back in the 2008 crisis for the amount of {>= $1,000,000} is now taking advantage of the same taxpayers that helped them when they were in crisis. I really hope the U.S. government can see and take measures against such a despicable show of greediness.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NV)

My account is on hold and has been on hold for over a week now. Ive sent in the documents requested, Ive followed every instruction. My account is on hold because I used my own money from my own saving accounts. This has caused a huge inconvenience for me, because I now have money that is still in the account but dont have access to.
Consumer complaint received 2019-10-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Financial Assistance (UT)

I was contacted last Wednesday ( XX/XX/XXXX ) by a representative of Student Loan Financial Assistance. They promised me they could help me qualify for Student Loan forgiveness, and they said that based on my current work situation I qualified. I foolishly gave them my SSN and my bank account number. They withdrew {$170.00} from my account, which they told me they would do. I also signed a contract. It was only recently brought to my attention that this could be a fraud. I'm working with my bank on getting my account changed.
Consumer complaint received 2019-10-21
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. (NV)

XXXX XXXX XXXX # XXXX is reporting a late and is on my credit incorrectly. The car was totaled and the insurance as well as the extended insurance/warranty was supposed to cover this but they are making me pay the remainder. I should not have to and this account has a late in XX/XX/2019 that I should NOT have. I shouldn't even be paying for this let alone have a late on it.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Haven't been able to obtain my credit report by mail or online since the end of 2022. The online portal advises " unable to complete your request ''. I have called and spoken with well over 20 agents who are unable to mail me a copy of my report and unable to provide me with online access.
Consumer complaint received 2020-05-15
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)

Ive been trying to get insurance on my vehicle for some time now. Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my report.
Consumer complaint received 2023-04-07
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. (PA)

Fraudulent accountant increase appearing on credit report. 
Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX