davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I got a copy of my credit report a few weeks ago and noticed there was a Citi Bank shell credit card open on it, that was delinquent. I requested a theft investigation from Citi bank. They were unhelpful and would not listen to the information that I was telling them. I specifically told them that someone had opened a bank account under my name along with some other accounts. That person or persons was using my identity to make payments on the shell credit card. Citi bank responded in saying that they were unable to remove the credit card out of name due to being able to verify the debt to myself. I never opened this account it is not mine. Citi bank is telling me that my phone number matches there records. I do not see how that is possible. I never got any phone calls from Citi Bank regarding this. My phone number is XXXX. Also, whoever opened up a checking account under my name was using that account to pay for the shell credit card and XXXX XXXX credit card. Citi bank approved my claim on the XXXX XXXX  account ( see attached letter for proof ) however they would not approve the theft claim on the shell account. Makes no sense! I have provided a signed attached statement, along with a police report. I do not know what else further I can furnish to prove that these accounts are not mine. My SSN is XXXX.
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OR)

Chase cleared a fraudlent check. They did not even check to make sure the cashier 's check was legit until several days later after I had already spent the money. The funds were made available before they even checked. Then I called to pursue this and they told me that nothing could be done. I asked if I could speak to a manager and I was transferred to XXXX XXXX who then told me that he was making the decision not to refund my money. When I asked XXXX how I elevate my concern and appeal the decision, I was told that " We do n't have an appeals process. '' I asked if I could speak to his supervisor and he said, " There is no one available at this time. '' I asked if I could call his supervisor another time and he said no. He refused to give me a phone number.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

My application for a " secured '' credit card was declined today because of false information on Experian credit report. Experian is reporting that a civil case in XXXX court from 2009 is still open and unpaid and the truth is the case is closed on the same date in 2009. I tried to order a copy of my credit report from Experian but they want my to send documents to prove who I am and they want me to pay {$20.00} for the credit report. I have n't been able to get a credit report in years as evidenced by the false information they are reporting since 2009, I am entitled to a free credit report, and my current address is the same address they used to provide false information on my credit report. I want my free credit report so I could address the false information experian is reporting, ther is no reason for them to charge me {$20.00}
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

ATTACHED TO THE DISPUTE LETTER IS PROOF THIS IDENTITY THEFT REPORT WAS IN FACT FILED ON IDENTITYTHEFT. GOV WEBSITE AND AN OFFICIAL. XXXX, XXXX and equifax CLAIM THIS IS NOT A REAL REPORT. IT IS A REAL REPORT WITH PROOF! I have uploaded a second identity theft report affidavit that iis IN FACT been filed with an official government website. IDENTITYTHEFT.gov is an official website to report the id theft. I have submitted my document once again. THESE ARE OFFICIAL AND AUTHENTIC REPORTS BEING MADE. Please quit stalling and delaying the process as I am tracking the time length and the FCRA states I have rights to a fair investigation. Please investigate and block the information immediately as it is harming my report and name. I will pursue litigation with damages very soon. The bureaus are now in default of a proper response time of over 30 days. This is another violation..
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (NY)

My ex-wife made balance transfers to her individual accounts in excess of {$5000.00} on XXXX of my credit cards during the six month period before commencing an action for divorce based upon NY provision that the relationship was irretrievably broken for six months prior to filing the action. These amounts have been charged off on my credit reports and my credit is ruined. I am unable to refinance my property awarded me through NY equitable distribution as a result of these balance transfers. The bank involved says that she was an authorized user on the credit cards, and that I benefitted from the transfers. Does n't the bank involved require my notification before allowing such large transfers to another credit card or issuing a direct check to the authorized user?
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SOUTHERN FUNDING ALLIANCE USA (TX)

Where do I start. We just recently purchased a home and used Southern Alliance for our lender. We agreed on a certain loan amount and was assured countless times we would pay nothing out of pocket. We consistently asked for a good faith estimate and it was never provided until AFTER we received our closing documents which were incorrect. 
We worked with XXXX XXXX for over a month and he assured us over and over that we would have to pay nothing out of pocket even when our house sold for less money. It is our opinion that the XXXX XXXX was incompetent in doing his job because he would never respond. When we got to closing on Thursday, the closing documents said we owed {$1400.00} out of pocket. When we called the lender, XXXX acted like he did n't know what was going on. It was super stressful since we had a deadline to get out of the house that we just sold. He adjusted the paperwork and resent it. The resent paperwork was incorrect and said we were going to owe money out of pocket again. Our realtor noticed that he made mistakes with the numbers on the paperwork as well! He had the property tax incorrect and the home warranty incorrect. We wasted all day Thursday because he could not get the paperwork right. He refused to eat the cost over his mistake and made us pay for it. We had no choice to go with it because we were backed into a corner and would have been homeless. We were supposed to move from our old house on Friday, but instead we did not close until Friday afternoon. So now, we have an extra {$1400.00} on our loan that we could not afford because of his mistake. We had to cancel movers and move them to Saturday which we had to pay premium. We had to rent a XXXX because we only had 2 days to move out of our old house instead of XXXX due to this guys mistake. We wasted a lot of mileage, gas and tolls going there on Thursday when the paperwork was incorrect. We had to take off an extra day of work that we did n't have because he made us lose a day of moving. I wish we would have went with another lender because now we are paying over budget due to this guys HUGE mistake.
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY MINE! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP PHONING ME IMMEDIATELY!
Consumer complaint received 2015-03-24
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was told by the creditors customer service representative that as long as I made the minimum payment due that my XXXX credit card accounts would be brought to a current status and would be in good standing. This was a lie when in fact my credit cards were both in a permanently restricted status. No matter how many payments I make towards the debt I will never be able to use my cards again. 

I have been called many times since I became late on payments due to financial hardship and no one ever informed me of this fact. They waited until after I made a payment to bring my accounts " current '' to post on my online account that my cards are permanently restricted. 

I was blindsided and completely mislead. I thought I was going to bring my accounts into good standing when this was not the case. I refuse to be manipulated and lied to into making payments under false hopes and false pretenses.
Consumer complaint received 2015-03-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Yesterday, I called my mortgage company, Ocwen Loan Servicing , LLC . that as of XXXX XXXX, 2015, I owed them $ XXXX and that I did not need to pay my mortgage for XXXX 2015. As of XXXX 2015, I received a notice from their company stating that I owed XXXX to cure the default by XXXX XXXX, 2015. First and foremost, I was not aware I was in default. I have never agreed to a forbearance or loan modification with Ocwen Loan Servicing. I sent a certified money order totaling {$800.00} on or about XXXX XXXX, 2015 ; and on XXXX XXXX, 2015 I wired {$1900.00} via XXXX to Ocwen. According to my records and calculation from the notice sent XX/XX/XXXX, I had satisfied the requirement to cure deficiency. I was told twice by customer service that I did not owe a XXXX payment however my balance is {$1300.00} for the month of XXXX 2015. I informed the customer service whose agent number is XXXX that this incorrect. XXXX XXXX, Ocwen 's agent, informed me that the balance included late fees and my escrow analysis ( which they have been tampering with by Ocwen ). As of XXXX XXXX, 2015. I do not owe Ocwen any fees or mortgage note. Ocwen is a " predator. '' They are preying on minorities, XXXX, and the poor. They are not in the business to " keep people in homes '' this a fraudulent statement ; they are in the business of adding as many fees to your loan in order to put the customer in default. They are/have destroyed dreams of being a homeowner, people are homeless because of their business ethics to benefit the CEO of this corporation. They are liars and you have the power to " REVOKE '' their ability to do business in this country. The loan modification process with this organization is DECEPTIVE and whomever designed the model for this company should be ASHAMED and ordered to go JAIL!!! 

Sincerely yours XXXX XXXX
Consumer complaint received 2015-12-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (VA)

I took a credit card for furniture ( in store card ) in XX/XX/XXXX. The original debt was for {$1800.00} Interest free. The Debt was sold from XXXX to XXXX XXXX to The Bureaus Investment Group. From XX/XX/XXXX- XX/XX/XXXX I paid every month as promised. I never missed a payment and it was on " autodraft '' so I was never late. I ended up paying {$2100.00} over 4 years. Keep in mind through-out this 4 year period I stopped receiving bills from XXXX, I called as to why and nobody could help me. I had no idea it had been sold to XXXX XXXX until XX/XX/XXXX when I was contacted by a collection agency asking for {$1900.00}. I back tracked again XXXX, who again knew nothing, I called XXXX XXXX, who told me the debt was not theirs anymore and knew nothing. My issue is I have proof that I paid the loan in full via my bank statements. {$53.00} a month every month. However, nobody can explain or show proof as to why 5 years later after paying {$2100.00} on a {$1800.00} interest free credit card ... I now owe {$1900.00}?! That would be {$4100.00} on {$1800.00}. Please help me. This has ruined my credit and the collection companies are saying I still owe them money on a debt that NEVER existed to be sold!!
Consumer complaint received 2015-09-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: American Accounts & Advisers, Inc. (OR)

I have received notice via XXXX a collection agency American Accounts Advisors of XXXX XXXX, MN. Yet I 've received no bills or notices of claim. I do n't know what the bill is nor has anyone attempted to contact me in writing.
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX has my XXXX XXXX as XXXX as reported by Experian, this is totally wrong! Therefore, I was charged a high deposit to establish service with XXXX XXXX. I called every number to speak with someone at Experian and all I get is automated and no customer service. My score is XXXX, and I have had to put out more money on deposit than I should have. XXXX XXXX won'y take any responsibility on the matter so I have zero help on both ends.
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am trying to remove my name from a home loan used by my ex wife for her business. I did not sign for this loan and have asked Bank of America to send me any document with my signature on the application process. I received XXXX documents from the bank ( 1 ) a power of attorney with my signature surrendering my interests to the house used for business as agreed upon in the divorce settlement. And ( 2 ) a loan document dated 5 days after my final divorce decree with my ex wife signing my name in reference to the aforementioned power of attorney. This power of attorney that I signed as agreed upon in the divorce stipulation simply surrenders all my claim to the property and has no stipulation for any past or future responsibility for the property. 
It is my understanding that any contract which does not have my signature is null and void and can not be enforced. This is not what I am asking the bank to do. The loan is not in default and is current in the payment schedule because this is used for business by my ex wife. I am merely asking the bank to remove my name from the loan and credit report. 
So far all I have received is requests for more time to do their investigation and I have been patiently waiting for a favorable resolution. But now they have shifted tactics and is making this an identity theft issue and requesting me for notarized statements and police reports. I submit that it is their lax loan approval process that lead to a loan being approved without proper signatures more than anything else.
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (IL)

In XXXX my monthly payment increased to {$1.00}. The billing department could not explain why. Since they did not receive the addtional {$1.00}, my payment was processed late and late fees plus interest charges were applied to the following month 's payment. This continued on for 4 month 's with compounding interest and late fees mounting. I have this account set up to pay the same amount every month through my banks bill payer. I should not have to review the paper statements every month to know what my payment is going to be although the gentleman I spoke to said it could fluctuate? I do n't use this card for anything, have made no other purchases on it. Why should my monthly payment fluctuate? This does not occur on my other credit cards. Now my charges have come to almost {$300.00} in late fees and compounded interest over the past 4 month 's. This does not include the regular monthly payment. So in summary, they are now trying to collect almost {$300.00} for a {$1.00} short payment.
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I am Bank of America account holder who also has XXXX credit cards with Bank of America. I recently obtained a BankAmericard Cash Rewards card which was linked directly to my BoA online banking account. As I typically pay all my credit cards through the online system, I assumed this would be case with my cash rewards card. Not so. When I clicked on the 'make payment ' button, I was taken taken to the bill pay center but could not see my Cash rewards card listed with my other cards. There were no instructions on how to add a card. I 'd also signed up to ebilling but did not receive the bill through my email. As I was busy, I did not continue trying to figure it out until my payment was past due and was issued a {$25.00} late fee. I then called BankAmericard Cash Rewards card 800 number and the operator informed me that in order to register the card, I had to add Bank of America credit card as a company in the 'manage pay to accounts ' section. This is completely illogical. I am already in the Bank of America website and I am trying to pay them. There are no clear instructions on this page on how to do this and I do not believe a reasonable person would be able to determine that you had add Bank of America as a company in the bill pay center. Furthermore, I have XXXX existing credit cards with BoA that as far as I can remember did not ask me to do this. I also did not receive an ebill nor a written bill. This leads me to believe XXXX things. XXXX, this could be either be a deceptive practice by BankAmericard Cash Rewards to increase the likelihood of first time users incurring a fine because that can not easily determine how to make payment. Or XXXX, it could also just be very poor user experience design. Either way it is leading to unfair fees being levied on BoA customers.
Consumer complaint received 2015-04-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXXXXXX XXXX XXXX, GA XXXXXX/XX/XXXX XXXXXX/XX/XXXXThis complaint is about a barrier of communication with Wells Fargo Home Mortgage XXXX Since XXXX XXXXXX/XX/XXXX I have been calling XXXX XXXX, Executive customer XXXX XXXX XXXX with Wells Fargo Home Mortgage, and I could not find her. I left several messages and nobody called me to give me the status of my mortgage even my appeal or the status of my modification. I even called XXXX, an associate who is familiar with the case and she never responded to my calls. In a letter dated on XXXX XXXX, XXXX XXXX mentioned that the house was inactive foreclosure and there was no sale date. According to GA court record, the house is scheduled to be sold on XXXX XXXX, XX/XX/XXXX. 

I have submitted the requested paperwork which was the IRS Tax XX/XX/XXXX with schedule E showing the house was not rented for the year XX/XX/XXXX. This is the key item for the bank to approve the modification ... In addition, a termite bound and my driver license were enclosed for her review. I am still waiting for a decision to move forward and nobody care to call or to answer my question. I believe that it is a deliberate practice for denying my modification. Furthermore, Wells Fargo had received Tax Payers moneys to allow all american to receive a modification. The playing field has not been level since the bank made it so difficult to receive a modification. The people in my community complained about the banks practices to deny minorities modification to keep their houses. I am not alone in my neighborhood. This is not my XXXX complaint about Wells Fargo practices for ignoring my calls. It is with intent.
Consumer complaint received 2015-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC (CA)

On XXXX XXXX I transferred responsibility of my XXXX account out of my name and paid all monthly / cancellation charges that were accrued as follows. 
On XXXX XXXX I paid sprint in the amount of XXXX and my total due balance at the moment was XXXX for the next payment due to phone cancelation. On XXXX XXXX I paid a total of {$320.00} in cash at a XXXX store to bring my balance to {$0.00}. At this point the account was closed and I have no longer done business with or used sprint services. 

After all this I received a letter postmarked XXXX XXXX, 2015 stating i was in collections for the amount of {$73.00} with XXXX.
Consumer complaint received 2015-10-21
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (MD)

I sent money using Western Union to my stepson in XXXX. ( My tracking number ( XXXX ) is : XXXX Transaction Date : XXXX XXXX, 2015 XXXX ET ) The money was a direct transfer from my bank account to my stepsons bank at XXXX. 
After calling Western Union on XXXX the lied an told me that my bank will not release the funds for 5 days but in fact the money was Debited on XXXX and posted on XXXX/XXXXMy stepson is not able to get the money even after calling western union as instructed when I did the transfer. They told him that I needed to call western union before he could get the money. When I called thats when the lied about my bank holding the money for 5 days. This is clearly a kiting scheme by Western union to hold all money transfer funds so they can make more money using customers xash
Consumer complaint received 2015-04-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Hameroff Law Group, P.C. (AZ)

After what I considered unfair treatment by XXXX, I had a credit card charge-off in XX/XX/2008. A few months ago, my wife was served papers for a lawsuit filed by a collection agency with my name and hers as defendants. More than six years had passed since the approximately {$7500.00} debt had been charged off, and now a debt collection agency in XXXX was suing me. I feel there are many problems with the suit, among them the amount of time since the charge-off, the fact that no attempt was made to contact me about paying the debt, my wife and I did not know each other at the time I incurred the debt and it was charged off, yet now she was named as a defendant, and I was never given the opportunity to 'have my day in court. ' I filed a response at the courthouse ( at a cost of almost {$300.00} XXXX, and was never granted the opportunity to plead my case. I heard from the law firm suing me that I lost and also that there was to be a hearing about garnishment, but all of these communications were sent ( I believe purposely ) to an incorrect address so that I would not receive them. Now my paycheck is being garnished, and I have never had the chance to speak in court. I do n't know what to do.