davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

Greetings. My name is XXXX XXXX, and I am writing in regards to XXXX, a financial institution. I have been a long time loyal account holding member, however, their business practices leave a lot of room for improvement. After noticing questionable activity on one of my accounts, I called up customer service and made them aware of the unfamiliar activity on my account. On XX/XX/2022 I canceled my debit card, and a new one was shipped right away. 5 weeks later, I notice similar activity even after the card was replaced so I decided to go into my local branch where I learned that not only had I been charged an upwards of {$450.00} in bank fees alone, that the transactions were not linked to the card, but the actual bank account number itself. I was not made aware of this from my prior dealings., and 5 of the overdraft fees alone were from the same {$3.00} dollar transaction. Yes, a {$3.00} transaction, which was later returned to me by Citi. So after two days of disputing, I was livid to learn that not only am I not entitled to the refunds of the fraudulent charges, I would also not be getting the Non Sufficient Funds Fees returned to me as there was no notation on the account of me reporting the previous transactions as fraudulent when I requested the new debit card sent to me. 
I would like to lodge a formal complaint against the Citi Corporation as I am quite certain there are others who are entitled to having funds returned to them in the same manner I am, and given we are still recovering from a pandemic, there should be some regulations put into effect that protect consumers from these types of grievances. 
This matter was addressed with the corporate office only after I filed a complaint with the Better Business Bureau, where Citicorp further insist I am not entitled to my funds being returned to me as they do have no policies in effect where they are no longer charging fees in this manner, however since these discrepancies occurred before the policy changes were put into effect, my charges are not subject to a refund. XXXX XXXX XXXX It should also be noted that I have two references numbers regarding this complaint as their customer service line was unable to locate the first dated XX/XX/2022 ( or claimed that one did not exist ) which is XXXX. The second reference number which was given on XX/XX/2022 is XXXX. 
I would also like to add that when I did ask for the assistance from my local citibank branch, on XX/XX/XXXX, I was told by the branch manager that some of the fees should not have been assessed as well.
Consumer complaint received 2024-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SN SERVICING CORPORATION (CA)

Please process the assistance request that will be submitted to you in a timely manner, and have it assigned to one, new specific point of contact that has knowledge in workout underwriting and processing. 

Please postpone the sale date scheduled for XXXX XXXX XXXX, until such time this Qualified Written Request is responded to in full and all workout options have been reviewed.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2020-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OUT TECH, INC. (PA)

BUR ACCT MGM XXXX Bureau of Accout XXXX XXXX XXXX PA XXXX Acct # XXXX {$1100.00} This account is not mine. I have written certified mail receipt attached. They will not show me a signed contract with my name on it with my signature on it. I was recently in the hospital and this information came up on my acct, and so now I know my information is being sold by this company to other companies. This infiltrates all kinds of Hippa Laws by doing this. Having this on my credit when it is not mine is agains the Fair Credit reporting act and the Hippa Laws act. Remove this immediatly from my credit, or show me this signed contract.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NY)

On XX/XX/2020 I sent a debt validation to this collector with clear instructions to either provide proper validation of this debt or cease all collection activities including the reporting of this alleged account to my consumer reports. The collector did not provide any sort of response, much less proof of ownership of this alleged debt.
Consumer complaint received 2020-10-23
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: CITIBANK, N.A. (MA)

When I checked this account, I saw immediately that the payment history is inaccurate. XXXX  reports all OK payments yet XXXX  reports all CO. I want this account to be investigated and removed due to inaccuracies. Please help me get them out of my reports.
Consumer complaint received 2020-10-06
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Peer Advisors, LLC (VA)

My husband we did a reverse mortgage back in and XXXX or XXXX The company XXXX XXXX came to us we never wake looking for there they made us think it was a great deal they knew I was under the age meaning that XXXX and now I'm one of move my home because of this XXXX  movr me my husband XXXXI believe with XXXX XXXX  Reverse mortgage during that time my husband was over XXXX I was still in my early XXXX Then a new Reverse mortgage company XXXX  called Celink took over in XXXX or XXXX my husband passed away XX/XX/XXXX from that point they contact me I'm living in our home Me and our XXXX XXXX XXXX son and then that's when you know I'm receiving forms To be signed and notarized plus I had to get the XXXX  XXXX lean off the account which was already done the same day should have been removed would never was all this information which I sent it to them requested everything and they sent XXXX paperwork that had to be notarized and signed off I did all the next thing thrir wanted I know in XXXX their telling me that I was not approved a can not stay in my home unless I paid off the mortgage or short sale or Refinance so me and my son have to move on find something my credit is not the greatest but I'm living in my home and now the plan on for closure on my home and I don't have any help would trying to remain in my home XXXX XXXX XXXX XXXX  XXXX Virginia XXXX my telephone numbers XXXX I am paying the taxes and Insurance the insurance has been paid monthly
Consumer complaint received 2019-06-06
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: EQUIFAX, INC. (SC)

I have repeatedly sent letters to Equifax regarding wrong, fraudulent information on my credit report for almost a year. I also disputed with the other credit bureaus and the companies. They have all been cooperative but not Equifax. I am a victim of identity theft. I have already received notifications of at least 10 different breaches of my information. I have filed a police report, id theft reports/affidavits and sent them to Equifax. I have called them multiple times and they just keep flat out lying to me. They keep turning each correspondence into a " re-investigation '' then claiming they've verified with the companies and there is a bankruptcy that they claimed they actually verified with the court. Blatant Lie and I have been researching this stuff for about a year now. I found some case law directly against Equifax that says they aren't allowed to claim a court verified anything. XXXX XXXX, XXXX and XXXX  all deleted the items that I informed them that they were id theft related. I sent proof to Equifax. They don't give a XXXX! I told them on the last letter that I was going to file a complaint against them if they don't follow the law and remove these fraudulent items. They just sent me an updated report. A couple things were removed but they still left some things on there which I know they know should have been removed but instead they just claimed they verified them. Big fat lie!
Consumer complaint received 2020-10-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MA)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

Deposited a check XXXX XXXX XXXXXXXX check with Chase, who I have decades of history with. The check was for over {$200000.00}. They claimed the check was a fraud and never notified me. I found out 2 days later when they not only refused the check but also took away XXXX so my balance was then negative {$200000.00}. They also froze my account and said they scheduled it for closure. 

After 2 trips the branch and also several sessions and hours on the phone with Chase, they were able to call their " verified number '' ( which was not a secret verified number, it was the one on the companies website ). So at that point, the check was verified and Chase confirmed that the account would be unfrozen and that the check was verified and good. They also mentioned that they sent a legitimate copy of the check to me when it was first determined fraud. Yes, Chase told me that they created a new legitimate copy of a check they thought was fraudulent and mailed it to me so I can redeposit. They also claimed they could not track it, but it was coming from Ohio they assured me. 

Three days went by and no check in the mail. I call Chase back and they say the only resolution is to go get a new check from the maker ( who will not issue a new check because Chase has the original and won't give it to me ). Chase claims there is nothing they can do despite it being 100 % their fault for a broken verification system.

So now I have no check, no money in the account, no resolution. We missed payroll, we are almost 3 weeks delayed on starting our project, we can't pay material suppliers. I've spent countless hours and days going above and beyond to fix Chase 's mistake. I have no idea how to get this resolved. My only thought is to get an attorney, which I can't afford.
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

I started the process of removing PMI from my mortgage on XX/XX/XXXX. I am currently in Chapter XXXX bankruptcy since XXXX and Wells Fargo is aware of my bankruptcy. My home mortgage payment is excluded from the bankruptcy payment through the trustee and my trustee has advised me to make the mortgage payment outside of my bankruptcy case. I have consistently being making my mortgage payment on time and never in the rears. 

Wells Fargo advised me that I can either ordered for a formal appraiser which cost {$500.00} or BPO ( Broker Price Opinion ) which cost {$200.00}.

I ordered for a BPO, paid {$200.00} and the check was cashed with the inspection completed on XX/XX/XXXX. Throughout the entire process, I made several calls to get update. The representatives have been consistently telling me that my home value qualifies me for the removal of PMI and I should receive a letter in 10-14 business days with the adjusted monthly mortgage payment that reflects the removal of the PMI. 

On XX/XX/XXXX, when I called Wells Fargo, I was informed that Wells Fargo can not proceed with the removal of the PMI despite my property value being appraised at the value that qualifies me for the removal of PMI. My attorney has advised me that bankruptcy does not preclude me from the PMI. Wells Fargo escalated my case and told me that they will contact me within 24-48 hrs and as of today ( XX/XX/XXXX ), I have not received anything from Wells Fargo. 

I called again today ( XX/XX/XXXX ) and spoke to XXXX ( XXXX ) XXXX XXXX XXXX regarding my case ID XXXX. She told me that she can not speak to me without my attorney 's authorization which is ludicrous. My mortgage payment is not managed by the bankruptcy trustee and I have been making the payment independently and they shouldn't have to get authorization from bankruptcy attorney to speak with me. 

As of today, there is still no resolution and Wells Fargo has taken {$200.00} from me without any resolution.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I contacted progressive insurance about the balance owed in the amount of {$310.00}, and they agreed to waive the debt, stop reporting to the collections XXXX XXXX, and delete the negative trade line.
Consumer complaint received 2019-08-07
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. (TX)

I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT THAT ARE LISTED ON MY FTC REPORT.
Consumer complaint received 2021-07-02
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: BARCLAYS BANK DELAWARE (MA)

REFERENCE : Barclays Credit Card Case ID : XXXX In XXXX XXXX, I was sent a replacement blouse after contacting the merchant XXXX XXXX XXXX ) and returning the first blouse due to an incorrect size being sent to me. The second blouse was sent to me DEFECTIVE. The package was ripped open and the blouse was badly damaged inside the package. I again reached out to XXXX XXXX Customer Service on XX/XX/2021 and they supplied a return label and told me return the item for a full refund as the item was now sold out. I did this. I used their provided label and returned it via XXXX, tracking number XXXXXXXXXXX This information will all be shown on the screenshot from their website, which is attached. The package was RECEIVED by the merchant on XX/XX/2021. I have been waiting for a credit ever since. I made several calls to the merchant looking for my credit. What I was told every time was that they could not find the package to process the refund, so that was why it was pending. They would also tell me they were backed up processing returns. I filed a dispute with Barclays. The merchant then claimed to Barclays that this item was a final sale -- which is a bogus argument. First and foremost, they took the first blouse back as they had made an error and that is noted on the order page they sent to Barclays which I can also provide. Secondly, the replacement blouse does NOT say final sale, and the merchant provided the return label for me to return it. Lastly the blouse was DEFECTIVE. By sending me a DEFECTIVE blouse, they violated an implied warranty. Specifically, the implied warranty of merchantability and the implied warranty of fitness. Lastly, the merchant still has this blouse. They have never returned it to me. Barclays denied my case. I appealed it. I received a letter today stating that my appeal was denied because " Insufficient proof that the merchant has violated the invoice/contract terms and conditions ''. I have NO ITEM! Prior to returning with MERCHANTS PERMISSION AND LABEL AND PROMISE OF A REFUND I had been sent a badly damaged item which is NOT what I ordered. How is this not a violation of all Invoice contract terms and conditions? Please help me with this
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ogden Holdings, LLC (TN)

when the pandemic started i lost my job and attempted to communicate with Caviler Finance to see my payment options. the manager started on XX/XX/XXXX with texting me from her personal number threatening me to bring the cops with her to my house to take my collateral, she has contacted my referances and told them all the information what my balance was, how far i was behind, what the origanal balance was. when i asked for the home office number she refused to give it to me, so i had to contact another branch and when i contacted the home office i was told by the VP of the company that he did not have time to work with me, my only option was to work the the XXXX office.when i asked if he liked when his employees talked to their customers like that he said " thats not my problems, this is how things will be handled '', he stated that he can come take my collateral because i broke 2 payment promises even though i have tried to continue to communicate with them to try to work with me. they are intimidating people by threatening them with jail, this is highly unprofessional and highly illegal. i have mulitple screenshots of the texts. the last payment i went and paid she wrote me a hand written reciept and did not post the payment that day. she has called me multiple times in an hour. i have dropped a cease and desist in the door of the company to not contact me further until this issue is resolved
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

There is 2 XXXX  accounts that are showing on my credit report as paid and charged off and still reporting each month as a charge off and dropping my credit score monthly. These were included in a Bankruptcy that was done in XXXX. I spoke with a rep in XX/XX/XXXX and XX/XX/XXXX. I was told that the information would be updated and fixed. These have yet to be updated.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I reached out to Equifax in reference to the reporting of an account listed on my credit report. I disputed the account and asked for the account to be verified with proof of if the account was valid or not. These inaccurate accounts were disputed XX/XX/2020. Today is now XX/XX/2020 and still I have no received any update or results from my dispute.
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (CA)

Equifax messed up my credit report on XX/XX/XXXX. On XX/XX/XXXX there was a glitch in their reporting causing ALL of my 7 revolving accounts to not show reporting since XX/XX/XXXX and I use them every single month. My score dropped from XXXX points on XX/XX/XXXX with no reason. I have 0 utilization rate, and no new negative remarks. I opened up a case with Equifax in XXXX but am unable to get a hold of anyone on the phone because the verification doesn't work for my account. They mentioned the issue should automatically be resolved within a month from me opening my ticket. 

It's impossible to get someone on the phone because I always fail verification because they always ask me questions that aren't related to my credit profile. 

It is a 100 % glitch on their system and they confirmed the issue but nothing has been resolved. 

I have XXXX collections and XXXX public records. My score was XXXX prior to the glitch My case number that they already opened was XXXX