davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (CA)

In XX/XX/2022, I requested online to stop an auto pay to XXXX XXXX. A week after, I received a confirmation letter that a cancellation of auto pay has been processed. 

But on XX/XX/2022, upon review of my monthly statement, there was a withdrawal of {$150.00} in my account with ACH auto pay reference number. I called Citibank customer service at around XXXX XXXX, XX/XX/XXXX. I was transferred to another representative, who run a series of questions. According to this Citibank XXXX representative XXXX  has to process this reversal just by answering " yes '' or " no ''. 

I was actually surprised by this procedure because the last time I cancelled auto pay, all I need to do is go online and cancel the Merchant 's name. 

The last question, was " did you contact the merchant? '' My answer was no because I already informed of Citibank of the auto pay cancellation prior to being charge by the XXXX by at least a month before the charges. The Citibank customer service told me that the reversal was not approved because I have not contacted the XXXX. 

After this incident, I notified the merchant that I am cancelling the payment and their service ( XXXX  XXXX ). 

I think, since I requested a cancellation online and it was confirmed by a letter, the charges should be reversed. Citibank should reverse the charges.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC (TX)

Due to an error on the part of AmeriHome mortgage, we have been getting delinquent notices on our mortgage. My credit score has decreased overnight by XXXX points. 
On XXXX first, we made a payment. We received a statement dated XX/XX/XXXX which stated our next payment was due XX/XX/XXXX. On XX/XX/XXXX we made another payment. In the statement dated XX/XX/XXXX, it stated our next payment was due XX/XX/XXXX. We made our next payment on XX/XX/XXXX, when AmeriHome said it was due. Beginning in XXXX, AmeriHome suddenly showed us one month behind. A late fee has been assessed every month and our account is listed as delinquent on our credit reports. We called the call center on XX/XX/XXXX. We were told by the person in the call center that our account was current and everything was good. We asked her to make a note in the system that we had called and that our payments were current.she didnt do this.

Weve reached out to AmeriHome several times by phone. They informed us we needed to send a fax with our official complaint. We did that two weeks ago and still havent heard from them. We have copies of all the statements weve received from them, as well as confirmation numbers for all the payments weve made. This needs to be repaired immediately. This is 100 % an error on their part. Enclosed is a letter that was faxed to amerihome on XX/XX/XXXX and statements showing the information I described above.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: GOLDMAN SACHS BANK USA (CO)

I paid my Marcus Goldman Sachs credit card {$3900.00} on XXXX in error, which gave me a credit as my balance was XXXX at the time. Thus I called and asked to have it reversed and was told that was not an option. They said they would send a check which I received dated XXXX. 
I deposited check in my checking account on XXXX. On XXXX Marcus GS reversed the XXXX and added it to my account thus creating a debit on my account stating that I owe them that amount. I have talked to supervisors and managers at Marcus to no avail. I never received the reversed amount and they are billing me, and added interest.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 Experian received a letter requesting the " Method of Verification '' as I suspected that they utilized an electronic method known e-Oscar to verify the debt they say I owe. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. XXXX received the same letter/request on XX/XX/2021. XXXX received the same letter/request on XX/XX/2021. The Method of Verification has not been received by listed companies. The ( 15 ) day period has been exceeded.
Consumer complaint received 2022-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I was notified through the mail that I might be eligible for Student Loan Forgiveness program. I filed the necessary paperwork, but did not hear back with the XXXX. So I called my loan servicer, Navient. There was an option to speak with someone about loan forgiveness, so I pushed that button & was transferred to a third party company who said they could file my paperwork for me. The name of the company is XXXX XXXX XXXX XXXX, and their charge came out of my back under the name XXXX XXXX XXXX. I immediately got an email from the Department of Education saying there has been suspicious activity on my account and that I may have paid for a service that I could do for free. This third party, who I was referred to by Navient was in fact fraudulent. When I confronted them, they screened my calls, denied they were frauds & said they would not return my money to me because they had filed my consolidation forms. Had I not pressed the button when reaching out to Navient, I would still have that money in my possession.
Consumer complaint received 2022-05-23
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. (TX)

FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$32.00} XXXX XXXX. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$84.00} Status Collection account. {$84.00} past due as of XX/XX/XXXX.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I missed my payment due on XXXX, which I always pay in full. They e-mailed me, but it got dumped in spam, they never called, texted, or notified me through the app. As soon as I realized the mistake I immediately made the payment on XXXX. Before and continuing after I kept getting notifications from companies that were auto-paying from this card that the card was being declined. I called the bank, they told me the only way to allow me to use my card immediately ( before the missed full payment had cleared ) was to allow them to call my other bank with me on the phone to verify the funds. I was very disturbed by this process, since I did not think that was any of their business. Eventually I allowed them to speak to my other bank to get the card opened. I am upset that there seems to be no method to talk to anyone higher at this bank. There is no customer service number I can call other than the number I spoke to. I tried to raise the issue with them on XXXX, they stopped responding to my requests. They were very unwilling and treated me like I was a criminal and couldn't use my card. I know this isn't very helpful from the CFPB side, but I've also been a customer with them for 18 years and always paid my balance in full each month ( albeit occasionally a few days behind ).
Consumer complaint received 2022-07-11
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: NAVY FEDERAL CREDIT UNION (GA)

I am writing this due to non-compliance with the CRA XXXX and XXXX. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NJ)

A collection agencies under the name Phoenix Financial Service appears on my Credit Report with an a amount of {$59.00}. I do not recall to had any contract or agreement with this Company or to own them any thing ... I called this company and gave them all my personal Information as SSN, Names, Adress and Phone adress and the representative couldn't find any thing in their system.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (VA)

Please be advised that I am requesting that the account # XXXX with Comenity/ Victoria 's Secret was sold to XXXX. XXXX advised the debt was settled/ paid in full and any negative remark or tradeline with their name would be removed. However, when contacting Victoria Secret they will not remove the trade line from the credit report services. They also advised that I would have to wait to see if it can be reviewed. I asked XXXX if they can send them a letter indicating that the debt was satisfied and the associate stated that they could not and that conversations would have to be held with the original creditor in order to get everything updated and displayed accurately on credit report. 

Please note that a letter has been sent to comenity bank at the following address : XXXX XXXX XXXX XXXX OH XXXX and the phone number given was XXXX. Please note when a verification letter was sent to victoria secret they advised that the account was sold any questions comments or concerns regarding the removal of that account off of credit report would have to be taken up with XXXX XXXX XXXX XXXX. Please note that an email was sent on XX/XX/2020 was sent for an email copy of this request to XXXX. In that email it outlines the request for a copy of the release of debt letter so it can be forwarded to the original creditor who advised they no longer own the debt but still shown as a tradeline.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I sent letters to Transunion Credit Bureau last XX/XX/XXXX, And now we are in the month of XX/XX/XXXX and have not received any response from them. That means Transunion 's failure to respond will result in the complete deletion of all items on the reports. Credit Bureau failed to comply with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Balance {$13000.00} Opened Date XX/XX/XXXX XXXX XXXX Balance {$710.00} Opened Date XX/XX/XXXX XXXX XXXX  XXXX Balance {$10000.00} Opened Date XX/XX/XXXX XXXX Balance {$440.00} Opened Date XX/XX/XXXX, XXXX
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I applied for a mortgage through Navy Federal, I was told this was exceptional bank known for their professional and overalls service experience. I was given a pre approval letter and began shopping for a home. Once I found my home, I presented a contract and was given a interest rate of 2.125 % for a 15 year mortgage. I signed and agreed to the disclosure on XXXX. I went through the underwriting process and was given a closing date of XXXX. I finalized all paperwork and signed documents promptly at underwriting request. On XXXX I received a call from the XXXX in underwriting letting me know that my interest rate had gone up .5 % because the rate was never locked and was on a float without my knowledge or consent. I expressed that the was incorrect and was told to contact the mortgage consultant. I forwarded her my documents and had an 45 mins conversation with XXXX XXXX XXXX XXXX # XXXX the origination officer. I asked repeated when and why he fail to asked me to lock my rates prior to closing. Outside of apologizing profusely he no answer for me. Although it was not intentional and this human error, this mistake on XXXX XXXX. XXXX cost me an excess amount of {$13000.00} ....
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/22, I was a victim of a scam. I received a call from a number that was listed as jpmorgan Chase ( when number is entered in XXXX- its a number for the company ). Someone impersonated a chase representative and the conversation led to me providing my debit card pin in order to verify my identity. A few minutes after I got off the phone, I received notifications from my app advising me of ATM withdrawals ( totaling in {$1700.00} ). In the many calls Ive had with chase claims department, a supervisor was able to obtain a name and number of a person that added my debit card to their XXXX XXXX. This information wasnt sufficient enough for chase to refund me the money and consider this an unauthorized withdrawal. Ive been a chase customer for over 10 years, and never had any issues with my account. Very dissatisfied with the companys response to my case. On my end, Ive also filed a police report.
Consumer complaint received 2019-03-31
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. (FL)

I notified each of the credit bureaus that XXXX XXXX XXXX ( XXXX XXXX ) XXXX was not reporting an accurate amount. I have asked them to give me documentation that shows why I owe {$680.00}. I asked for the original contract I signed, past payment log, copy of posted checks etc.. to show how this amount was calculated. Each time I dispute this account it comes back " verified '', what is " verified ''? I am asking that they contact the company not by way of automation and get detailed information on this account. I contacted the collection agency and they have yet to give me the information as well. I am asking that either I get the information that I am requesting or this item be deleted from my file.
Consumer complaint received 2022-08-23
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: JPMORGAN CHASE & CO. (DE)

XXXX XXXX / XXXX 2022 XXXX XXXX/ XXXX 2022 XXXX XXXX XXXX/ XXXX 2022 XXXX XXXX XXXX XXXX 2022 This are all hard inquiries I did not give permission to look into my account nor check my credit I want it remove from my credit history I did not authorize no company nor 3rd party nor gave consent
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CL Holdings LLC (IL)

On XX/XX/2020. My account was on auto bill and my payment of XXXX did not go through. I reached out to the company and they said that the saw that the payment tried to go through but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage and the company will not help me with this unfair situation.
Consumer complaint received 2022-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

The date was XX/XX/2022 I send off a letter about Inquires. I never got report about the Dispute and the False Inquiry was not remove from my credit report. Equifax is in Violation of this they aer reporting false, misleading information on my credit report. 

All inquiry did not consent to unauthorized inquiry All inquiry are misleading false fraudulent reporting Under 15 U.S Code 1602 ( p )
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Macys stated that I called to close my account this is not True I never called to close my account. I only called Macys when I knew my card was not working and they informed me that my card was closed. Macys had No reason to close my card. Macy should have verified with me before closing my account. Macys and XXXX try to pull my credit when I have a security freeze They should have called me in my number and Verified if I did the Credit inquiries.but they did not. They violated my privacy act. The following are the Credit inquiry dates. 

XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Consumer complaint received 2022-05-13
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. (AL)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

- XXXX XXXX XXXX account # XXXX -XXXX XXXX account # XXXX -XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX -XXXX XXXX XXXX account XXXX XXXX -XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-30
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 have contact Transunion and have informed you that I am a victim of identity theft and that XXXX XXXX in the amount of {$300.00} account # XXXX is a result of identity theft. YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE TRANSUNION. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX, I submit an application to open a savings account through Comenity direct. I was intrigued by the rates and I was in the market for low risk investments. I went through the application and made an ach transfer from my primary XXXX XXXX The next day, I received an email giving instructions on how to log in to my account-I was not provided an account number. 
After some research, I discovered that many people had issues with customer service being unavailable and issues with transfers. I decided to open a savings account with a more well known bank and close my account with Comenity direct. I called them on Sunday, XX/XX/XXXX and the representative confirmed that she put in a request to close my account and have my deposit transferred back to my original account. I checked my primary XXXX account the next day and my funds had been successfully transferred to Comenity direct. I decided to call again XX/XX/XXXX, to check on the status of my account and transfer. I was hung up on a couple times while being on hold and I finally was able to get a hold of someone, only to have her confirm that the account was closed and that the transfer had been initiated and would take XXXX business days. She also confirmed that I would receive an email confirming my account would be closed. I waited until XXXX XX/XX/XXXX, and I still had no email and my money was still not back in my account. I decided to see if I could access my account and transfer the funds on my own so I called again on XXXX  and the representative, XXXX informed me my account was open and active. I accessed my account for the first time after receiving an account number from her and saw that my {$1500.00} that I had transferred was still in the account. Nothing had been done by any of the representatives I spoke with. I decided to transfer the money by myself and attempted to add my XXXX account. Per usual processes, I was told I had to confirm my account by reporting the small deposits Comenity made to my XXXX account. No deposits were made and today ( XX/XX/XXXX ) after checking, I am now unable to add any external bank to my account. I have no means to get my money back as the only account I can add is another comenity account and customer service has been very unhelpful as they have not done what I requested. I was told by 2 representatives that my account would be closed and my money retransferred and the third representative tells me my account is open and active. I have utilized their chat system and their automated response informs me that someone will reach out within 1-3 business days.