davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Flagstar Bank, N.A. (IN)

I opened a checking account at XXXX XXXX in XXXX. Later, this checking account was transferred to Flagstar bank in later XX/XX/XXXX because XXXX XXXX sold some of their customers to Flagstar. Since there are no branches of Flagstar near my previous city - XXXX, XXXX, I stopped to use the checking account of Flagstar. I transferred all my money out of this checking account and keep XXXX balance on it in XXXX, XXXX. In XX/XX/XXXX, I moved to XXXX and I found my XXXX reports me having debt from Flagstar. I called the customer services of Flagstar. They told me they started charging me several dollars from someday XXXX or XX/XX/XXXX due to the XXXX  balance or whatever. After about 20 or 20 days they closed my checking account and sent a debt of {$170.00} to a collection company on XX/XX/XXXX. I have no idea about the penalty fee of XXXX balance of the checking account. I have never heard the fee neither. Also, I have never been notified by mail or email about the charges on my account. However, in order not to influence or ruin my credit history, I directly paid the debt but I still have no idea about the charge. Recently, I requested a report from XXXX  and found the reported information on the debt is about abusing account. I don't think I abused the bank account and I should not be charged for the unreasonable fee. I think the bank intentionally charge people and close their account without any notice.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (VA)

Ive had a bank account at this bank for 3 almost four years. They converted my act to another bank. Then charged me overdraft fees after refunds took longer than usual to be credited due to the conversion. Then refunded the fees and turned off the debit card so I couldnt deposit funds to make the -10 dollars positive again. 
I just want to close this account. I do not like first horizon and the way they handle their customers
Consumer complaint received 2019-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I reached out to Lakeview Loan Service and inquired about removing my escrow because my home is worth XXXX and I owe XXXX ( I owe less than 80 % ). I was instructed on what to do, which I did. I payed my yearly insurance which was {$1700.00} dollars and I sent Lakeview the receipt. Lakeview turns around a payes the insurance company {$2800.00} dollars and now ( XXXX XXXX XXXX XXXX XXXX wants to return {$2800.00} dollars to me. I have called Lakeview almost every day and I get no help, they instruct me to mail my request and no one reaches out to me. I also emailed Lakeview my tax receipt for the taxes that I payed a few days ago, but again I get no answer back and when I call, I get the same result- Im told to mail in the information. I dont want Lakeview paying the taxes again like they did with the insurance, please help me.
Consumer complaint received 2020-08-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

My complaint is with Hyundai Motor Finance XXXX. My account number is XXXX. 

They sent me a notice in XXXX, 2020 that said " Effective no earlier than XX/XX/2020 we will be UPDATING how we apply payments received towards your billed balances ''. 

So, if you have an unpaid late charge of {$15.00} and you send in your next payment " on time '' they first deduct the past due late charge from that payment, which leaves only a partial payment being paid and that results in ANOTHER late charge. So you now have a late charge for every month going forward, until you clear up that initial late charge ... ... 4 months is {$61.00} and change, all because you made ONE payment several days late. 

They are acting as though this is their right, but they sent a NOTICE in XX/XX/2020, that was NOT agreed to in the initial contract that I signed at lease inception. 

This practice is much like when the banks would pay the largest check first on an account with insufficient funds, so as to create more overdraft charges than necessary, until a stop was put to that unfair practice. Now they must start with the smallest check and work up. 

Not that it matters, BUT this is the fourth car I have leased from this company and I think this is ridiculous! 

This is abusive and predatory!
Consumer complaint received 2020-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

In late XX/XX/2019 I received a notification from my credit monitoring service that there was a collection added to my XXXX credit file. I immediately contacted IC systems and paid the medical they were collecting on behalf of XXXX XXXX. The amount owed cleared my account on XX/XX/2019. The collection was removed from my XXXX Credit report as per the agreement with IC system in mid-XX/XX/2019.  On XX/XX/XXXX I was alerted that the same item by IC system for the same amount had been re-added to my XXXX credit report 2 days earlier. I immediately contacted IC Systems where a very rude representative ( he was dismissive and did not want to hear what I had to say ) hung up on me. I called back and another lady answered and was kind enough to look at my file and confirm that I had in fact paid and that it was updated back in XX/XX/2019. I had paid the agreed upon amount and they had removed it from my credit report. She advised she would notify her supervisor and her supervisor would call me the next day. The next day came and went and no one from IC systems called me back. I waited and called again on the XX/XX/XXXX. To which no one helped even after 2.5 hours on the phone and over 7 different transfers. I even called XXXX XXXX XXXX which reported that IC systems never told them ( XXXX XXXX XXXX ) that I had in fact made a payment back in XX/XX/XXXX. I asked the XXXX XXXX XXXX representative to stay on the line and confirm to IC Systems that this was the same date of service and not a duplicate. He stayed on the phone while I was transferred 7 more time and no one would speak to him or I to clarify this situation. Currently my credit score/report are taking a significant hit because these two companies can not get on the same page and report correctly to the Credit Bureau, even after confirming payment. I am at a loss at the lack of customer service with IC Systems staff. I am significantly upset that something I handled so promptly is taking this long to handle. 
No to mention that ALL of this would have been avoided if XXXX XXXX XXXX would have billed BOTH my insurances for the service they provided, and followed up with the required information my insurance requested from them. So not only did I pay for a collection that I was OVER insured for, but now I am dealing with IC System and their defunct way of damaging my credit report without concern, even after I paid. 

I hope no one else has to deal with situations like this but I see that this is common practice with these two companies. I ask that my credit report be correctly updated and the collection that was placed on my credit file erroneously be removed.
Consumer complaint received 2020-09-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I am requesting Chase refund the {$5300.00} VA Funding Fee for my previous mortgage dating back to XXXX. I have a 10 % XXXX Rating from the VA that allows me to be exempt from paying this fee, the loan number is XXXX I have emailed Chase twice in the secure message system XX/XX/XXXX and XX/XX/XXXX and both times the system stated I would hear a response, and neither time was there any follow up. I called on XXXX and spoke with a supervisor who requested I email my VA XXXX Percentage Letter to XXXX. 

I had emailed the address and received an error message so I am unable to provide the requested information.
Consumer complaint received 2020-09-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A. (IL)

I have had so many issues with Citibank. I recently paid off a personal loan ( {$2500.00} dollars ) with Citibank, and sent multiple letters to the loan department to obtain a paid in full statement. Citibank has refused to provide this letter. It has been over a month now, and I am still waiting for them to present me with this documentation.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

There is a bankruptcy on some of my credit reports on XX/XX/2015. This does not belong to me. It is preventing me from getting approved for many things, including a mortgage, credit cards and much more.
Consumer complaint received 2020-09-02
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. (TX)

this what Eqiufax which is inaccurate XXXX XXXX  XXXX/XXXX  XXXX Reported XX/XX/2020 82 % Balance : {$1600.00} / {$2000.00} Overview You're currently using 82 % of your account 's limit. 
Balance {$1600.00} Credit limit {$2000.00} Minimum monthly payment {$55.00} Opened
Consumer complaint received 2020-09-02
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. (OH)

I disputed this account XXXX 'XXXX XXXX # XXXX. As this is not mine. This account was removed off of XXXX  and XXXX, but Equifax as yet to remove it. Please remove account ASAP.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CT)

I have a series of identity theft and fraud issues that occurred more rapidly since XX/XX/2018 to date. Everything from unauthorized bank accounts accessed or opened to inability to get my credit report to mail fraud and intercepted sim cards. Ive changed everything, mauling address, cars, loans, leases, careers, banks, phone numbers, phone providers, emails, devices and they all seem to get compromised and its exhausting. Most recently my XXXX XXXX XXXX XXXXXXXX account has been compromised. I can't get a copy of my credit report to review and lately I've been notified payments aren't clearing when I know I had both the funds and made timely payments. Please assist.
Consumer complaint received 2020-08-26
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. (FL)

I contact the company Citibank in regards to a fraudulent account issued in my name. They have been made aware that the account is not my account but have still decided to keep this account on my report, damaging my score for no reason at all. This is impacting my financial health, and causing me stress that is unbearable. How can I further escalate this issue? I have filed a police report here in my county in regard to this issue, and I am willing to have this resolved  in court if it's necessary. I will not fall victim to this type of crime. This is unjust and unfair. Someone had a card mailed to my home without my consent, which really makes me uncomfortable. Knowing someone can easily go into my mailbox and take something that they created with my identity. 

I never even phyisacally signed for a card, so how was it even issued in my name? 
Can i have physical proof that my signature was used to get this card?
Consumer complaint received 2020-09-02
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. (GA)

The following items are incorrectly reporting : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX The status is incorrect on the following items : XXXX/XXXX  XXXX - Date Opened : XX/XX/XXXX ; I was never late 30, 60, or 90 days late from XX/XX/XXXX - XX/XX/XXXX Credit Central - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or  60 days late from XX/XX/XXXX - XX/XX/XXXX Credit Central - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or 60 days late from XX/XX/XXXX - XX/XX/XXXX Incorrect Public Record Information : I never filed Chapter XXXX bankruptcy ( XXXX  ) I never authorized the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX   XXXX  XXXX
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — Store credit card
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. (NY)

I placed a pre-sale order at Macy before covid-19, the sales lady told me to pick up the cosmestic after couple weeks or they could deliver to me. But then due to covid-19, Macy was closed, and nobody from Macy connected me. I did not receive the cosmetic from them.

But they send me a letter ask me to pay the bill, and I called them to tell them I did not receive the cosmestic, and I do not want to the cosmetics anymore. They said ok, I do not have to worry about it, they cancelled it. But they sell keeps on called me and sending me letters and penalized me for XXXX. I called them so many times, but still they did not do any investigation. And gave me bad score on my credit score. I am very upset about them.
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-02
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: JPMORGAN CHASE & CO. (NC)

I have two credit card accounts with Chase. One account has a $ XXXX limit which I use frequently. The other account has an approximate $ 6k limit which I never use. Chase has no record of the $ XXXX account. 

In XXXX, I lost the credit card to the $ XXXX account. I couldn't get an employee on the phone, so through their mobile site I requested a new card and turned off the old card. This month, I mistakenly missed my payment window. My payment was due on XX/XX/24 and I was attempting to make a purchase on XXXX. My credit card was declined a purchase on the account although I have a $ XXXX limit and $ XXXX balance. 

When I log into Chase 's mobile and desktop sites, my credit balance is {$6500.00} with {$0.00} available credit. Chase 's customer service representative refused to transfer me to a manager and attempted to solve my call herself after I requested to speak with someone else multiple times. 

The rep and the Supervisor I was transferred to can not locate the second account. None of their systems reflect the second account. In addition, they can see my credit limit is $ XXXX, but it is not reflected in any statement documentation, mobile or desktop sites for customer information. In addition, the bank did not reach out to me to notify me my payment was late and my limit would be reduced by almost $ 15k until a payment was made. There are no messages on their site to me noting the reduction of credit limit until payment is made. 

While I was on the phone with the Supervisor, he noted it may take up to 48 hours for my payment to clear, my limit be changed and account to be usable again. I thought the regulations required payments to clear the same day.
Consumer complaint received 2020-08-26
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: U.S. BANCORP (TN)

I have contacted US Bank regarding an entry they have listed on my credit reports. In a recent letter that I received from them dated XX/XX/20 regarding this reporting, they said they have reviewed the information and determined it was accurate. This is impossible because I have never had an account with them. I have never applied for an account with them. Never. 
I have asked for them to produce any documents with my signature showing that I have applied for credit with them. They could not do this. I have asked them to provide their method of verification which I have a right to request. They can not provide any methods. They also do not respond within the 30 day time frame as allowed by law. I also understand that I have the right to file a lawsuit against them requesting damages up to {$1000.00} per violation that has occurred. I am going to do so if this entry is not deleted from my credit files within 15 days of this complaint. This is my last goodwill effort to get this matter handled before I file a lawsuit and go to court.
Consumer complaint received 2020-08-26
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: Paypal Holdings, Inc (SC)

I purchased XXXX XXXX collars from the seller and paid {$130.00} for them through Paypal. When I recd the collars, they were counterfeit. I tried to work with the seller but he wouldnt give me a refund. The seller lied and stated he was in the US and would receive the collars within 7-10 days but when I didnt receive the collars, he emailed and stated he was overseas and it would be 26-30 days. ( I DO NOT ORDER FROM OVERSEAS for this very reason ). I opened a case up with Paypal and explained the situation, even sending and showing proof the collars were fake. I was instructed to mail the items back with the tracking number. I mailed the items back, scanned the tracking number to Paypal along with pictures of the receipt and the package on XX/XX/XXXX. I had til XX/XX/XXXX to get the info to Paypal. I recd an email from Paypal on XX/XX/XXXX stating my refund was denied bc I didnt supply the tracking number and the case was closed and could not be reopened. I did supply the tracking number along with multiple pictures. I want to file a complaint for Paypal for card fraud and mishandling the case of giving a refund, refusing to look at the documentation and information sent. Please advise if I need to do anything else in order to get the refund of {$130.00} for this is the second time Paypal has done this to me ( the first time was approx {$200.00} ). Paypal did NOT investigate the case and stated an automated system closed the case and could not be opened back up. This is fraud on the seller and Paypal and also mishandling the case on Paypal part for letting an automated system handle the case instead of a person. I also scanned in the receipt for {$16.00} for I am covered under Paypal up to {$30.00} shipping refund. I have not received that refund either. I have tried to contact Paypal via telephone. I have left emails asking for a callback from a supervisor but to no avail.
Consumer complaint received 2020-08-26
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: TRANSWORLD SYSTEMS INC (CA)

TRANSWORLD SYSTEMS INC contacted me trying to collect debt on the behalf of a XXXX XXXX account. 
Upon, further research, this account was transferred/sold and I am no longer responsible for the account. 
Also, Ive sent out a letter to TRANSWORLD SYSTEMS INC on XX/XX/2020 with the address listed on their website at XXXX : XXXX and the address is expired and Im unable to contact them by mail. They made an attempt to call me to try to collect payment & mentioned that this call is recorded and not to validate your debt if they can not validate it. So why is this company asking for payment? 
I informed them that I prefer you not to communicate by phone and I prefer to communicate by mail and she told me they do not accept mail and will reach out to the original creditor and tell them I refuse to pay the debt. How can they not accept mail but have a P.O BOX address on their website claiming it's their address? I did not say anything about refusing to pay the debt or even admitting to this being my debt as they cant validate it because they don't have a proper structure way of receiving mail. All I said was I prefer to communicate by mail, so they are falsely accusing me as well. 
If they are a legit company, they need to validate the debt because their address listed on their website is invalid and I can not contact them by mail. 
Is this company seriously calling people trying to collect payment without any proof of this debt without being validated? 
According to the FCRA, TRANSWORLD SYSTEMS INC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from my credit report.
Consumer complaint received 2020-08-26
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)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX   XXXX {$6900.00} XXXX XXXX {$900.00}