davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

Subject : Formal Complaint Regarding CITI Bank - Complaint # XXXX ( Additional Information ) Dear Officers of the Office of the Comptroller of the Currency, Iam writing to provide additional information regarding my formal complaint against CITI Bank ( Complaint # XXXX ). Iwant ot bring ot your attention aspecific incident that has caused me significant distress and financial hardship, further highlighting the inadequacies ni CITI Bank 's customer service and account management practices. 
On XX/XX/XXXX, Ideposited my tax refund into my CITI Bank account with the expectation that these funds would be available for my immediate use. However, to my astonishment and utmost frustration, on XX/XX/XXXX, CITI Bank froze my account, placing a hold on those funds pending verification from the Internal Revenue Service ( IRS ). 
The sudden freeze on my account by CITI Bank, without prior notice or explanation, has had severe consequences on my financial well-being. It is both disheartening and perplexing that CITI Bank would take such preemptive action without reasonable grounds or due process. Iunderstand the importance of financial institutions adhering to regulatory practices and combating fraud, but freezing my account on the mere basis of a tax refund deposit is unacceptable. 
Iemphasize that my tax refund is a legitimate source of income and does not warrant such extreme measures. Ibelieve it is CITI Bank 's responsibility to exercise prudence and diligence in evaluating customer accounts before implementing such disruptive actions. The repercussions of this account freeze have left me without access to the funds deposited, exacerbating my financial strain and compromising my ability to meet my essential obligations.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mr. Cooper Group Inc. (DE)

XXXX  date XX/XX/2023 I called altisource to find out why did their name showed up on my credit they told me they dont have my information in their system. I informed the agent that theres an inquiry with the company name on XX/XX/2023. The agent said he will send a letter to confirm its wasnt authorized via email. I waited and no email came in. The next day I call and got another representative who also said they dont have my information in there system. He advised that he is going to reach out to his supervisor and will follow up. I still have not heard from them. its almost XXXX  months and no follow up or letter.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (MI)

On XX/XX/2022, I applied for a Discover card and was approved with a {$2000.00} limit. 
On XX/XX/2022, Discover sent me a strange email requesting a copy of my tax returns. 
I called Discover and asked why they need my tax returns for a credit card with only a {$2000.00} line of credit - I asked if this was a standard procedure with all applicants and the Discover agent said it was a standard procedure. 
I do not believe Discover requested my tax returns as part of a standard procedure they do with all applicants. I believe Discover asked for my tax returns for either discriminating reasons or to Obtain more personal information on me which they turn around and sell to data collections companies for more profit. 
I believe anyone reading this will agree with me that it is NOT a standard procedure for Discover to request an individual 's tax returns days AFTER they have been approved for a line of credit. 

I asked discover this question on XX/XX/2022 complaint # XXXX and their response did NOT answer my question instead they provided the following vague response.. Discover card conducts regular reviews to evaluate our customers accounts. As such, your account is currently involved in a regular review. Our records confirm that an email was sent to your email address of record on XX/XX/2022, advising of this process, and the email provided you with the next steps to complete the verification. 

Let me get as specific as I possibly can : Does Discover ALWAYS conduct a regular review on all individual applicants just days after they have been approved? 
Does Discover Demand an approved applicant to provide them with their tax returns on lines of credit under {$3000.00} every time or most of the time? 
Does Discover have information on me which provides them with my XXXX or XXXX of my skin? 

Discovers actions have harmed my credit by adding account closed by grantor by the inquiry they placed on my credit report and by takig away my line of credit
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX. XXXX have not engaged with me in any contract nor services or goods exchanged, therefore I have no legal obligation to XXXX. 
2. I am being extorted by fraudulently posting incorrect information on my credit report to " pay to delete '' illegally furnished data to Transunion and XXXX. 
3. I have requested the following from XXXX and Transunion and have only received that it is verified but did not provided proof : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any Insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Amount of alleged debt. INCORRECT REPORTING Date this alleged debt became payable. INCORRECT REPORTING Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt Commission for debt collector if collection efforts are successful. 

It is illegal to furnish incorrect information on my credit report.
Consumer complaint received 2022-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Wolf River Development Company (IA)

I applied for a loan a few weeks ago and was pre-approved, talk to the agent about doing The bank verification.. she said she couldn't help me and just wait for someone to email me ... After speaking to her all of a sudden I was denied without an explanation... I think they are discriminating based on XXXX... I have emailed them several times for denial reasons with no responses. And the one time they did respond they said we can't find your account. They need to do an investigation into this company.
Consumer complaint received 2022-09-30
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. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KY)

My loan was sold from loan depot to Mr. cooper in spring of last year. Somehow my escrow account billed monthly increased dramatically as soon as Mr. Cooper started billimg my in the newly purchased loan. I have called in several times requesting an escow account balance sheet to find out why my monthly payments has went from XXXX a month to XXXX a month. Taxes and insurnace have not increased in the amount my escrow balance has. I have multiple emails and recorded phone calls trying to get answers. I have voluntarily delayed my payments to the bank until i have some clarification on what is being billed. I cant get anyone within the company to get back with me and dont have time to spin wheels to figure out what the mistakes are on THEIR end. I have now paid this absurd increase for 5 months straight and I am drawing the line until i get answers. Outside of hiring a lawyer and suing this new mortgage company, I dont know what else to do
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NJ)

I have a discover balance on my credit report which was resulted from a judgment that they got against me and the judgment then garnished my paycheck and they have now been paid 100 % out of the garnishment from the judgment. As far as I understand it not only does this change the status on my credit report because they have been paid in full but also I have read that judgments are not supposed to be on your credit report once they get a judgment against you? I can show you a copy of the judgment that they have against me and I can show you my pay stubs to show you that they have been paid off 100 % .. it is discover credit card and the balance was around {$2500.00}
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I am XXXX XXXX XXXX living in a XXXX XXXX XXXX called XXXX XXXX in XXXX, Illinois. Monthly, I receive through direct deposit, my three Pension Checks : 1. Social Security Administration Pension 2. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX IL XXXX XXXX ) These funds are taken from my Account at Huntington Bank from the XXXX XXXX XXXX  through ACH, XXXX pays the remaining bill. 
My son XXXX XXXX XXXX is on my Accou0nt as a beneficiary and has my Power of Attorney for Health and Financial dealings. There is a freeze on my Account and I can't pay for my living expenses. Insurance and living expenses. This freeze occurred around XX/XX/2022. My son XXXX XXXX also has an account here and is a senior receiving federal protected benefits like myself. His Account is also frozen.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Upon Inquiry of to why my Auto Policy Rate ( s ) have Increased and have been high - XXXX XXXX XXXX, XXXX in XXXX XXXX, TX didn't state any CLAIMS under my policy, and stated it was per the Market.

However, it was brought to my Attention that there were XXXX under another Name listed alongside my Name from XXXX & XXXX that are NOT mine. A Agent from another Agency ( XXXX  XXXX XXXX ) who's been trying to help me get a more efficient and FAIR quote has been starting to assist me in understanding this NEGLIGENCE by the XXXX XXXX XXXX XXXX XXXX and the Agency ( s ) that were Responsible for accurately Reporting my History. USAA is the Agency that Reported the Claim ( s ) for XXXX & XXXX which I do not have a Policy with, nor never had one with that Company. 

XXXX XXXX who works with XXXX XXXX is who has RAISED my Rates by XXXX XXXX XXXX XXXX  since the start of my Policy. I am a SAFE driver and have only myself on my Policy with XXXX Vehicle ( XXXX XXXX XXXX ), I am not on another Policy or have any other Vehicles. 

I have not had any Accident or Claim in XXXX or XXXX. 
The Vehicles associated with any claim in XXXX & XXXX are not on my Policy or assigned/registered to me. They are Registered to another person ( s ).

I have explained my concern ( s ) and frustrations to my Insurance Company, XXXX and they have Failed to rectify this Situation Accordingly. They have not Corrected XXXX XXXX XXXX, they have not Contacted the Agency who incorrectly filed the Claim. 

This has been Taxing to say the least.
Consumer complaint received 2022-09-30
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: Nelson Cruz & Associates LLC (DE)

XXXX XXXX XXXX has been notified by certified mail regarding inaccurate information reporting to my credit report i have contacted merchant as well as XXXX XXXX requesting validation of debt bearing my signatures and dates i do not recognizes these accounts and demand they be deleted immediately per FCRA and FDCPA you are violating my rights and the law 1 ) XXXX  -late updated AUTO PAY NEVER BEEN LATE 2 ) NELSON CRUZ -DELETED UNKNOWN ACCT In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose NO UPDATES TO DISPUTES NOTES MADE TO MY REPORT DELETE AND UPDATE XXXX ACCT NOW
Consumer complaint received 2022-09-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

My wife would like to pay down on the principle on our mortgage. She wants to speak with someone in Mortgage at XXXX ( XXXX ) directly. Please bare with me in explaining my problem. XXXX has an XXXX number that when used by the caller ask for SS # or checking account number. Here is the problem. My wife doesn't ( and I mean literally doesn't ) know our checking account number, neither does she know the password to the account. This is all factual, She doesn't know it. My wife hates internet banking, and prefers to pay her bills over the phone or pay creditors by mail. All we are asking is that XXXX provide a direct phone number to their mortgage department. A supervisor by the name of XXXX said that XXXX has no direct number to their mortgage department. I asked her to repeat that, and she did. It is hard to believe that this bank wouldn't have a telephone number per their mortgage department. If we are successful in a getting a number to mortgage, my wife will provide her name, her Social Security number, the address of the home, the name of the second name on the mortgage and the last four digits of my Social Security number. From there she would like to give the account number of her bank and the routing number of her bank for which she would like have money withdrawn from and forwarded to XXXX towards our mortgage. Again having the phone number XXXX mortgage is all we're asking... thank you
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected brands such as XXXX ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (VA)

Main complaint : Monthly service fee of {$29.00}. 
What happened : 1. I opened a business checking account around XX/XX/XXXX and initiated a bank transfer or XXXX immediately, which the money deposited around XX/XX/XXXX. A few days later i received my debit card, i tried to use debit card and the card is not working. 
2. After several calls with the customer service rep of trying to resolve the debit card issue, I was told that my account is dormant and they need to remove the dormancy status. The rep left a voice mail from the number ( see attached ). ( Later this turns out this is the rep 's mistake ) 3. After a few days - the card is still not working. I called again. and this time i was told, my business debt card was INCORRECTLY attached to my ( previous ) existing personal checking. In the personal checking account due to no transactions and it's marked as dormant. Because of this mismatch- my business debit card was not able to use. They eventually get it fixed. 

Fees : 1. On XX/XX/XXXX, i see a few of {$29.00} getting charged to my account. The account has 2 ways to waive fees : I called the customer service and i was told that because i am not able to meeting fee requirement. 
2. On the website it says 2 ways the fees can be waived : {$1500.00} or more minimum daily balance in this account, or {$5000.00} average daily balance in this account 3. I talked with the customer service rep that for two reasons that i think I should NOT charged the fee Reason A : The debit card was not able to use, thus, the bank failed to fulfill the service obligation. 
Reason B : I immediately deposited XXXX into the account after account opening ( to meet the requirement ). The customer service says because the money takes a few days to transfer - during this window the account has a lower than threshold balance thus I'm being charged. I argue that this is a fatal flaw- for every customer who opened their account online. As i do not think at account opening there's a way for me to deposit XXXX.
Consumer complaint received 2024-04-13
Product: Credit 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: SYNCHRONY FINANCIAL (NY)

In XXXX of XXXX we placed and order with Bjs using our Synchrony master card. XXXX was not supposed to deliver the electronic game system before XXXX. I followed up a day or XXXX after the promised delivery date and was told it was delivered XXXX eve. We were not home and never did get any package at all. 

We have filed dispute after dispute and they refuse to credit us for this. They allegedly left it at our house. We Never saw this item. They are refusing to credit us and Synchrony keeps billing us. We do not use this card any longer and have not at all in XXXX and the limit has been significantly lowered and we are getting interest charges and late fees.
Consumer complaint received 2018-11-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (NV)

I have a problem with XXXX XXXX on our final bill. When I turned the car in, it was in perfect shape. I've always leased my cars ( 45 years ) and always turned them in in great shape. I've never been told I owe any thing for ware and tear. I was told by XXXX that I owed {$510.00} for ware and tear. They said I had an accident and I would have to send them the repair bill. It was repaired by a reputable company, so I sent them copies of the repair paperwork. They told me if I sent them the paperwork they would adjust the final bill. They said it was to old and they wouldn't except it. I told them it was from when I had the accident, and they said it was to long ago. They sent me a letter stating they would accept a lower amount, which I declined. By that time they had already ruined my credit. 
I not only don't owe the {$510.00}, I want my credit restored. It was XXXX before this.
Consumer complaint received 2022-09-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (WA)

Previous case number with Truist : XXXX CFPD Complaint ID : XXXX This has been submitted to Truist and CFPB previously, please see information above. 

On XX/XX/2022 I logged into my Truist mobile app and it asked me to update my preferences ( online or mail delivery of mortgage statement ). I saved my preferences and immediately got an email forwarded to me from XXXX XXXX ( ex-spouse, we used to share the mortgage, I assumed the VA loan when we were divorced, the mortgage/loan is ONLY in my name ) showing my preferences. 

I checked the mobile account and nothing was showing with his email ( XXXX ), but I notice my name has been changed back to XXXX XXXX XXXX XXXX. 

The ONLY email on my account should be XXXX. The ONLY person should be XXXX XXXX XXXX. 

XX/XX/2022 : XXXX XXXX  Called online support ( XXXX ) and spoke with XXXX. She went to look for email, call dropped. 

XX/XX/2022 XXXX XXXX  Called and talked to XXXX  in Customer Care. He wanted to send me to Mortgage but I know from previous experience they can't help. Was sent to... 

XXXX XXXX. She searched for the email address several times and did not find anything. Nothing else she could do. 

Called XXXX XXXX ( XXXX ), first call was dropped but then spoke to XXXX. Gave him my case number and he said the case was closed and wanted to transfer me to XXXX XXXX. I told him I had been on the phone with them for almost an hour this morning. He said he would have someone call me and then he hung up. 

I have been dealing with this for far longer than I need to be. I am scared to make payments on my account or add additional payments to my account because I am afraid my ex husband will see them. We are divorced with XXXX kids and I need to keep my finances separate from him. 

This is absolutely ridiculous that this is still going on.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (NY)

To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

I have disputed the late payments on XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX reported duplicate on my credit report ), XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX XXXX, and XXXX/XXXX XXXX, accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP