davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (UT)

i am trying to get a fraudulent card company off my credit report because i am a victim of id theft and the company wont do anything because my information matches my public record witch OK if your a victim of id theft your information is going to match you public record thats why its called id theft. the company is barclaycard us which i was told by XXXX that they wont remove the account be cause everything matched my public record if they can show me the application with my signature on it saying that i signed up then fine i have to pay it but if they cant by law they have to get rid of the file/account.
Consumer complaint received 2016-08-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

I recently opened a business checking account and US BANK felt it was ok to put my deposits on hold and charge me overdraft fees at the same time. There are well over {$300.00} in overdraft fees because they concurrently charged me for fees on money they 're holding and probably reinvesting in the market for 7 days. 

Ultimately I 've been wronged and I want the CFPB to investigate this matter. XXXX XXXX I would like no phone calls, please communicate in writing only please US BANK.
Consumer complaint received 2017-01-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

In XXXX 2016 I disputed {$170.00} of a {$520.00} on each of XXXX tickets. I was downgraded to coach on the fights. Per letters dated XXXX XXXX, 2016 and XXXX XXXX, 2016 the credit card company reversed the {$170.00} disputed amount on the XXXX charges based upon discussing the issue with the airline and the airline saying that would credit {$110.00} per ticket. Even thought the credit card company reversed the {$170.00} in disputed amounts on all three tickets, I have only received the {$110.00} on XXXX of these XXXX credits. The credit card company also stated that they would " continue to request credit '' for the amount if I did not respond by XXXX. Since I agreed with credit was reasonable, I did not dispute the proposed credit. I did I give the credit card company a reasonable time to get the credits on my account. In XXXX I sent them a letter stating that the credits have not been applied yet. On XXXX XXXX Citibank sent me a letter stating that they would no longer pursue the claim and closed the dispute because I did n't respond by XXXX even though they stated that they would " continue to request credit.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good day, this inaccurate item is in pending litigation due to reporting errors on my credit report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore this item needs to be deleted under 15 U.S. Code 1681i ( a ).
Consumer complaint received 2017-08-31
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. (CO)

XXXX XXXX reported old debt as new to my Equifax credit report. I have NOT had a XXXX XXXX account since XXXX XXXX. I have not paid a bill to XXXX since XXXX XXXX. I XXXX the debt in Bankruptcy in XXXX in NC. The debt is more than XXXX XXXX XXXX NOW and I want it removed from my credit report in its entirety. DO NOT ADD A NOTE that it was included in Bankruptcy while leaving a balance owing is ILLEGAL. I want XXXX XXXX XXXX!
Consumer complaint received 2017-08-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (CA)

in XX/XX/XXXX a line of credit was taken out on property XXXX XXXX XXXX in XX/XX/XXXX refinanced and 2nd mortgage was supposed to be forgiven, kept paying on 2nd until XX/XX/XXXX when refinanced we were told to stop paying on 2nd due to forgiveness program. We hired an attorney to handle 2nd mortgage ( law firm XXXX and XXXX, attorney on file XXXX XXXX address XXXX XXXX XXXX XXXX XXXX My husband who recently XXXX XX/XX/XXXX last told me lawyer above handling and instructed to stop paying on 2nd. Last payment to 21st Mortgage Corporation was XX/XX/XXXX according to statue of limitation law 2nd mortgage is 4 years. When the above property was in escrow right before escrow I was told that 21st Mortgage Corporation was taking XXXX from the sale of my property. I called them and tried to settle with them, get late fees taken off and explained 4 years was statue limitation and 2nd was supposed to be forgiven. They did n't want to hear it and bottom line property was already in escrow, I could n't back out and now this 21st Mortgage corp took XXXX of the sale pos my property above. I want them to give back my money in full due to statue of limitation 4 years on 2nd mortgage. If this can not be done I want a settlement offer from them for the 2nd that we both can agree on and refund the difference. I already have a attorney who has instructed me on above references to statue of limitations and so forth and if something can not be done in this matter then I am ready to move forwards on legal recourse in this matter. 
The loan number is under my husbands name and is # XXXX & XXXX it was a line of credit /2nd mortgage I believe ... he is the one that handled all the finances, so as you can imagine I was not only left grieving wife but had to find out when i sold the property someone was taking all my money. 

If needed I will provide my lawyers name and number
Consumer complaint received 2016-08-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX/XXXX/16, I attempted to make a deposit of XXXX checks at the ATM at Chase bank in XXXX XXXX, California. It ate the XXXX XXXX checks for a total of {$1700.00} and returned the other XXXX checks back to me w/o any verification of the XXXX checks it did not return. When i got home i called them and after about 30 minutes of repetively being put on hold i was told they found the XXXX checks and that they would be credited to my account and it would show in a couple of hours. XXXX/XXXX/16, i still do not show the deposit that Chase online said would be posted to my account. When i called them today they have again put me on hold for over 30 minutes and if i ask for a supervisor they usually put me on hold and never come back. I 've had that happen 3 times today. The XXXX line person refuses to identify themselves by name or ID badge so i ca n't even hold them accountable for never coming back to the phone. I am now out {$1700.00} with only a promise that it wlll be posted to my account. The first promise is now broken. It 's very difficult to pay my bills when they 've " stolen '' my money and i 've done nothing wrong other than make an ATM deposit. Their customer service simply stinks. I spend all my time answering their ID questions and no time getting answers to what happened to my money and when i will get it credited to my account. Guess this is what you get when you bank at a " too big to fail bank ''.
Consumer complaint received 2016-04-15
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO. (TX)

I purchased a XXXX Ford Mustang GT from XXXX and XXXX Ford. In the closing stages of financing, the loan officer offered me a package that included gap insurance and an extended warranty for {$1300.00}. I accepted but after financing was done and I reviewed my paperwork it showed that I was charged {$1300.00} for an extended warranty and another {$700.00} for gap insurance. I told the finance manager what happened and he offered me a warranty program for oil changes for 3 years or XXXX miles which ever came first. He drew up the paperwork and we both signed and I still have my copy. The company that handles warranties for Ford does not have this agreement on file. I 've spoken to the finance manager twice and nothing has changed.
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TAMMAC HOLDINGS CORP (OH)

A real estate agent recommends filing a complaint.Assured representation of Tammac Corportation.Used discrimintory remarks to indicate high rates.Would provide their employees benefits for government services.Indicates a complaint.Shown a recommendation to charge a violation.Benefit a home owner.Establish an objective to increase an estate value would prove beneficial.To concerned parties.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I will like to file a complaint against TransUnion credit reporting agency with CFPB to investigate I have a issue with Transunion credit reporting agency Violating my rights with reporting accounts incorrectly, I have tryed several times to fix the problem, These accounts cant verified because its reporting differently on each of my credit profiles I would like them deleted immediately, I will be providing documentation for proof, XXXX XXXX XXXX Account # XXXX, The account status, Date opened, Last active, and payment status is inaccurate, XXXX XXXX, Account # XXXX, Date opened, Account Status, Payment status, Date last active, All inconsistent and inaccurate information, XXXXXXXX XXXX  XXXX, same issue, XXXX XXXX account # XXXX This account was paid, Account status incorrect, XXXX XXXX account # XXXX, information inconsistent and inaccurate, XXXX XXXX XXXX account # XXXX, date opened, sold to and last active payment status all inconsistent and incorrect so how could any of this information been verified when its not the same, XXXX AccounXXXX XXXX XXXX  Account # XXXX inaccurate and wrong information and us bankruptcy XXXX XXXX XXXX, and Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX has been proven its not mine linked to wrong person will be providing documents proving this information I have spent so much time and money on this inaccurate information and just want it deleted immediately.
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (IL)

I have purchased vehicles from carvana in which I was deceived that vehicle was under warranty. Vehicle was under mileage and transmission problems occurred and I was out of vehicle because the warranty was expired on vehicle. I personally feel that carvana breaches of warranties also sold me vehicles with out of state tags violating IL laws. 15 usc 1605 as a consumer I feel like I been taking advantage of
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I disputed inaccurate information related to the XXXX XXXX XXXX XXXX account on my credit report. The credit reporting agency conducted an investigation but did not provide sufficient documentation to verify the accuracy of the account. They failed to meet the standards outlined in Section 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable reinvestigation and proper verification of disputed information. Simply stating that the account was verified without providing proof or adequately addressing the dispute is a violation of the FCRA.

Cases like Cushman v. Trans Union Corp. ( 1997 ) and Thomas v. Trans Union ( 2002 ) highlight the credit reporting agency 's obligation to go beyond the original source and ensure that the information is accurate when faced with a dispute. In these cases, the courts ruled that credit reporting agencies must conduct a thorough investigation, and failure to do so can result in liability for noncompliance.
Consumer complaint received 2017-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (TX)

XXXX  cfpb file # also they owe me the full $  XXXX  not the par tail that was paid to them by the dealer, as i informed the bank i was canceling the contract in  XXXX   2016 . As the car was bought in  XXXX  and you had 60 days to cancel on it. So that as well as the additional info i wrote on this complaint needs to be refunded.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

I opened an individual Account with discover Card in XXXX. In XXXX  when i married, I went online to Discovers website and requested that they add my wife as an authorized user. My wife did not submit the request ( as it was done online through my account ) and she signed no paperwork authorizing Discover to make her a Joint account holder. With a divorce impending, we are removing each others names from any accounts. I deactivated her card at her request, and thought that it was completed. When i received my statement yesterday, i noticed her name was on the bill. I contacted Discover and their reply is that her name can not come off the account because it is a joint account. Discover has made my wife financially responsible for an account that she never agreed to be responsible for. All I 'm asking Discover to do his remove her from an account that she never agreed to be on. They should not have been able to add her to the account withour her permission.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (PA)

CITI CREDIT CARD COMPANY LOWERED MY CREDIT LIMIT BY {$500.00} STATING THAT I WAS LATE WITH " ANOTHER '' CREDIT CARD COMPANY. FIRST OF ALL, I HAVE NEVER BEEN LATE ON ANY OF MY OTHER CREDIT CARDS AND I HAVE QUITE A FEW OTHER CARDS WITH OTHER COMPANIES. SECONDLY, EVEN IF I DID HAVE A PROBLEM WITH ANOTHER CREDIT CARD COMPANY, WHAT DOES THAT HAVE TO DO WITH MY CITI CREDIT CARD? I HAVE NEVER BEEN LATE WITH MY CREDIT CARD PAYMENTS WITH CITI AS LONG AS I 'VE BEEN WITH THEM. ACTUALLY I ALWAYS PAY MY BILL WITH THEM EARLY. I BELIEVE THIS IS A DISCRIMINATORY ACT ON CITI 'S PART WITH LOWERING MY CREDIT LIMIT. BECAUSE CITI HAS LOWERED MY CREDIT LIMIT, MY CREDIT SCORE TOOK A 25 POINT DECREASE.
Consumer complaint received 2015-10-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MN)

I have been going back and forth for few years on modification trial packages. In 2013, a loan modification given was accepted by me for a total payment of {$2100.00}. I made payments timely for seven months ( 4 months past the trial period ), but could not complete the process due to title issues. My mortgage bank wanted my student loan to be in subordinate lien position. I gave a written authorization to that effect. The bank 's negotiator did not follow up her responsibility until the system timed me out. She asked me to reapply, which I did. This time, the total mortgage payment jumped from {$2100.00} to $ 2,900+ in just few months. I questioned the increase in payment as my income remained the same, but was asked to make a one time payment as an act of good faith while she works to get me a payment close to {$2100.00}. She never did and I did not make another payment as that was too much at the time. A new negotiator was assigned and she got me another modification package and this time with a payment of {$3200.00}. I was not happy and rejected it and insisted to get the 2013 package or close to it. All these time, the bank and the negotiators took forever to get XXXX modification done. In addition, the value given to my home is so high compared to its condition and market price. I once paid {$200.00} to a XXXX party to dispute the bank 's appraised value. As of last month, the bank denied me a complete modification with reasons that I had exceeded my trial modification periods. I only accepted the 2013 modification, even though I made periodic lump sum payments before the beginning of the trial period and in between. I feel that I have been deceived all this time, babysitting the property for the investor who is waiting for the market to turn around. I missed XXXX opportunities to buy similar homes on contract for deed for less and affordable payment. In 2013, after making XXXX payments and assurance from the negotiator that she would get me an affordable mortgage payment, I started to complete my unfinished basement with expenses of almost {$11000.00} in framing, electrical, plumbing, etc. The bank recently asked me to appeal their denial decision and property valuation for a second time in less than 2 1/2 years. I need help in keeping my home with an affordable payment as my little children are emotionally attached to their schools and neighborhood.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-05-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I left bank of America because I was being charged overdraft fees that were a direct result of them not crediting my deposits for up to a week. I left them and now I understand that they posted an outstanding debt to my credit report and show that I opened an account in XX/XX/XXXX when I stopped doing any business with them in XX/XX/XXXX. I called spoke to their representative and they said they would fax a letter showing that the debt was taken care of, then later in the day when the fax did n't come through they changed the story and said they would not be sending anything and that they sold the account to someone else and ca n't do anything with it.
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (FL)

Last year I was in the market for an apartment and I was researching mortgage rates. I found a good rate at PNC. The rate was better if I opened a PNC bank account. I did so but I did n't intend to use the account. Eventually the real estate transaction fell apart because the seller priced the apartment at {$20000.00} more than its appraisal value so PNC could not honor the loan amount. At that time I had stopped direct deposit on my rent from XXXX XXXX XXXX so I had to pay one month 's rent from PNC. This brought my PNC balance to {$1600.00}. I did not know that under {$2000.00} PNC would charge me {$15.00} per month. I received no online alert stating this. Three months later the bank called me to tell me they had removed {$45.00} from my account. I went on line and discovered that there were numerous automatic alerts in online banking including insufficient funds but this refers to insufficient funds for a check not for PNC 's limits. To get an alert for that the customer has to know that they need to set a balance alert. I am not an irresponsible person. I do n't have any credit card debt or other debts and had I known about the fee I was being charged I would have immediately put money into the account to fix the problem. Luckily {$45.00} was an amount I could afford and I was notified before this went on indefinitely. However, I know that for some of the indigent clients whom I represent losing this amount would be a hardship and could potential cause many problems for them and their families. There are benefits and drawbacks to having everything online but one benefit should be increased protections and safeguards for consumers not fewer of them. If banks are going to be able to charge fees to customers who still have money in their accounts and who have online banking they should have to send an automatic alert stating this fact when it happens. Why should they be able to choose to automatically alert me about insufficient funds but make alerting myself when they withdraw money from an account that still has money in it solely my responsibility? They did not instruct me that I needed to set up this balance alert at the time I opened my account. I trust that the CFPB will act so that banks can not hide this practice by claiming it is the consumer 's responsibility to know every aspect of online banking. Please ensure that customers know when their money is being taken by banks. If they choose not to fix the problem then that is the customer 's fault but if they are not made aware of the problem so that the bank can keep collecting fees that is a problem of corporate malfeasance. I thank you for your work protecting the American consumer and I hope you will address this concern.
Consumer complaint received 2017-07-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation (PA)

The following actions were violations committed by Patenaude & Felix. After a judgement was ruled in my favor against them, they submitted an Appeal containing documented proof of violations under the Fair Debt Collection Act.
1 -- In Patenaude & Felix, A.P.C. complaint listed as # 1.
Listed XXXX XXXX as the plantiff however Prior to my contacting them, XXXX XXXX claims to have had no prior knowledge of the Civil Action.
2 -- In Patenaude & Felix, A.P.C. complaint listed as # 3.
Claims to have attached and submitted into evidence a true and correct copy of the Account Agreement listed as " Exhibit A '' in files attached. However the attached contract is unsigned and incomplete, and this is a XXXX/XXXX XXXX contract. My account was opened in XXXX of XXXX and XXXX XXXX was not formed until XXXX XXXX. Knowingly submitting false evidence to the court is not only a violation of consider rights, it is against the law. XXXX XXXX signed that all documentation was true and correct and that he acknowledged submitting false documents is an illegal act.
3 -- Patenaude & Felix, A.P.C. filed action against me in the District Court of XXXX XXXX, Pa, however at the time the Action was filed I was a resident of XXXX, Pa which falls in XXXX XXXX XXXX District. This is a violation of the Fair Debt Collection Act.
4 -- Patenaude & Felix, A.P.C. performed multiple hard pulls of my credit report which nwgatively effect my score.
5. Initial Contact from Patenaude & Felix was in the form of a Civil Action notice.