davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NC)

Went online to my bank to pay bill 2 days before it was due. The next day was grayed-out on Citibank 's Bill Pay and would not accept payment, which was not the case with other bills I was paying at the same time. They were open to receive payments the following day. I called my bank and they said it must be a problem on Citibank 's end. I paid, assuming that they have a grace period like other credit cards when the due date is on a weekend. The payment reached them on Monday and I was charged a late fee. I called them and asked that it be forgiven as a one-time courtesy, as I have never missed a payment and have always paid in full, which is also this case with this payment. They refused to remove the late fee.They charged 14 % interest for 2 day late fee which works out to roughly 2,500 % annualized
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NC)

I have had a Citibank credit card since XXXX 2016. In XXXX 2016 my card had fraudulent activity and I was sent a new card. Citibank removed my credit card and all my positive credit payment/balance history from my credit report with all XXXX credit bureaus. I disputed it with Citibank and all XXXX bureaus immediately. I spoke with several XXXX at Citibank as well as all credit bureaus. Citibank told me countless times they had submitted the info to the bureaus and I needed to wait 30 days for them to update. I call the bureaus after that 30 days and they state they 've never received anything from Citibank. I have charged and paid on this card religiously since I opened the account. I have gotten no help from Citibank in adding this account back to my credit profile. I am at their mercy as the bureaus ca n't initiate 'adding ' or 'reinserting ' an account, it must come from the lender/bank directly. I am in the process of buying a home and this has dropped my score by XXXX points making me unable to get approved for the home loan. I will be seeking punitive damages once I get this situation rectified.
Consumer complaint received 2016-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC (IN)

I thought I had properly set up my loan on monthly auto draft through the online website. I never received a phone call letting me know that my mortgage payment was late. I happened to check the website on XX/XX/XXXX and noticed that my loan was now over 30 days late. I immediately made the XX/XX/XXXX and XX/XX/XXXX payments. As I was under the assumption that the loan was set up on auto draft. Also, had I been notified before the 30 days was past, I would have made the payment on time. CMC Funding will not doing anything to help fix the credit report reporting the late payment.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (UT)

I have not heard from anyone. I would like to know what is going on. I have called twice and would like to know what is up. I need to get this solved. I have tried and tried to get ahold of someone. I would like to get my credit card taken care of ASAP.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.
Consumer complaint received 2024-10-28
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: EQUIFAX, INC. (IN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2017-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Performant Financial Corporation (WI)

I am an educator that went back to school in XXXX to earn additional certification as a teacher. I have paid this loan when I had work. Unfortunately, many school districts have seen cuts of XXXX or more from XXXX. Since XXXX, the situation has become much worse. I have been turned over to a debt collector, Performant, that harassed me with multiple calls daily this fall. They have misrepresented how I could qualify for a loan rehabilitation program by having different reps tell me different things. 
When I asked for them to send me paperwork to do this, this did not arrive until the first week of XXXX even though this request was made just before XXXX. When I called before XXXX, which is what I was told to do if the materials did not arrive, not only did the different reps I talk to always tell me an entirely different story, but one even said in an extremely sarcastic and mean voice that I " need to check my mail ''. This was not helpful and everything else this rep told me was different than the previous reps said. I have been trying to call and speak to the collector identified on a letter ( Dated XXXX/XXXX/XXXX but that I did not get in the mail until the later part of last week ( week of XXXX XXXX ). I can not get a human being to talk to, even though I was told to call promptly when I recieved this information. When I asked to speak to " XXXX XXXX '' ( name on demand letter ) I was immediately transferred to a phone for a woman with the last name of XXXX. I offered to start sending in payments promptly so that I could qualify for a loan rehab program, but all I get is a run-around, paperwork is not promptly sent, it is not possible to get hold of a human being that can tell me accurate and consistent information ( I ca n't get hold of a human being now that I got the letter in my hand ), and I am being denied an opportunity to make payments to qualify for a program that would resolve this issue. This is harassment as I repeatedly find that Performant has no intention of helping me yet they have harassed me with multiple phone calls daily ( before XXXX ), are rude and sarcastic when I talk to them, do not tell me truthful and consistent information, and appear to have no intention of letting me get on top of this problem.
Consumer complaint received 2016-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC (NJ)

There was a XXXX debt that was sent to Receivables Peformance Management LLC. They contacted us by phone, never sent any paperwork, and we have sent two requests via fax to their company requesting they send us the full accounting. The reference number for the debt is XXXX. We had disputed the charges with XXXX as we were managing a property that was sold, and they refused to cancel the line as it was a fire line, and the new owners never put it into their name. Once this company received the debt from XXXX, we have contacted them numerous times over the phone requesting the documentation, and fax them. We have the fax proofs if needed.
Consumer complaint received 2016-09-09
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Goldstein, Cruise and Smith LLC (TX)

My name is XXXX XXXX on XXXX I have received numerous calls back to back from XXXX from a XXXX XXXX associate of the below mentioned law firm, started harassing me and threatening criminal prosecution if I did not pay this debt from XXXX advise wanted proof of debt validation and he did not identify me that I was right party contact and verify my information first or read me the mini miranda instead he was very abusive and threatening and cruel and demand payment now! I hung up on him he called back three more time in minutes after the first call again at XXXX finally XXXX Then he called my husband XXXX XXXX XXXX for past 28years at his cell XXXX three times threatening him at XXXX, XXXX XXXX and harrassing him, for payment my husband advise of cease and desist verbal and reminded him of TCPA AND FDCPA LAW MY HUSBAND HUNG UP ON HIM Goldstein, Cruise and Smith LLC collection agency she claims XXXX XXXX XXXX at XXXX XXXX on XXXX/XXXX/XXXX on my cell XXXX claims she is an attorney and she does n't have to adhere to FDCPA and left threatening message I have saved on my voice mail Also called from XXXX from XXXX at XXXX no message left have saved on my call log. Both of these numbers go to a prepaid cell # in XXXX, California Phone : ( XXXX ) XXXX View Additional Phone Numbers XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX View Additional Email Addresses! THERE IS AN ALERT ON GOLDSTEIN, CRUISE AND SMITH LLC!
Consumer complaint received 2016-09-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CIT BANK, NATIONAL ASSOCIATION (TX)

In XXXX XXXX, we purchased a boat from XXXX n/k/a XXXX Boats in XXXX, XXXX. The boat was financed by CIT Group/Sales Financing, XXXX XXXX, XXXX Our loan was serviced by XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, we received a letter from XXXX XXXX confirming our loan had been paid in full. To date, we have not received the clear title to our boat. I have contacted CIT Group, XXXX XXXX and was told neither now services our loan. In XXXX XXXX, XXXX XXXX was acquired by XXXX XXXX. I now wish to sell the boat ; however, all three entities have told me they do n't know anything about my loan.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (ME)

I pay my mortgage in two semi-monthly payments. My current mortgage company, Freedom Mortgage holds the first payment until the end of the month and then applies both to the principal and interest at that time. This means they hold that first payment ( not earning interest for me ) and charge me full interest on my loan for the whole month instead of immediately applying the first payment to principal and interest. They also keep the two additional payments that I make a year and apply them in XX/XX/XXXX even if it means they keep the money for for a full mortgage payment for many months. This seems to defeat the purpose of saving on interest payments by paying bi-monthly. Is this legal? I had no choice in who I got as a lender ( my mortgage was sold to them ). If their behavior is legal, outside of refinancing, is there anyway to get another lender with better policies? 
I would like my payments credited when they are received. This company has been terrible to work with- they do n't seem to know how to work with someone who manages their credit well and who is financially literate.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Carrington Mortgage Services incorrectly calculated my gross monthly income at {$1900.00}, when I provided a profit & loss statement showing {$6300.00} per month. This error makes it appear my loan modification request did not meet the requirements. 
I provided Carrington Mortgage Services with the enclosed Notice of Error & Request letter for Information pursuant to XXXX C.F.R. XXXX. 
Carrington Mortgage Services never responded or took any corrective action pertaining to my monthly income. Carrington Mortgage Services never directly responded to my Notice of Error & Request for Information letter as required pursuant to XXXX C.F.R. XXXX. 
Carrington Mortgage Services violated loss mitigation procedures. Carrington Mortgage Services knowingly miscalculated my monthly income after being provided with financial information via email, phone and fax. Carrington Mortgage Services also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax.
Consumer complaint received 2016-09-09
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO. ()

Dear Sir/ Madam, I am a freelance journalist who worked recently for XXXX in New York . On XXXX XXXX XXXX, XXXX Newspaper erroneously instructed their bank, Chase in New York, to pay {$2500.00} into an XXXX XXXX XXXX account of mine, even though XXXX had been under receivership since XX/XX/XXXX the previous year following a corruption scandal ( additionally, the account been closed in XXXX XXXX, so no longer existed ). 
XXXX has since learned from Chase in New York that the funds first went to XXXX, then to XXXX for further credit to XXXX XXXX. Chase in New York has told us that XXXX now has them, but despite frequent approaches I have received no indication that they will be returned in the near future. 
Could you please advise on whether Chase was negligent in making a transfer to a non-existent account at a blacklisted bank? 
I will try to attach a copy of the wire details - the trace number is XXXX. 
Many thanks in advance for your help. 
Best wishes, XXXX
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

Today I read about the Well Fargo settlement and it made a light bulb go off. I wanted to tell you that I was a victim ( i say that lightly ) of the scam the employees were pulling. I had opened a checking acct. with wells fargo, that was it, just a checking acct. But then a week or two later I recieve a Well Fargo Credit Card in the mail, not debit, but credit card with a {$22000.00} limit. I had no idea as to why it came. I didnt speak to anyone, or fill out anything for a credit card. But sure enough, I got one. Now I understand why.
Consumer complaint received 2016-12-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

My XXXX credit report dated XXXX XXXX, 2016 included XXXX 15 year mortgages with Wells Fargo Bank. The information has been shared with Wells Fargo staff in XXXX XXXX, IA who stated on the phone that they are unable to identify these accounts in my name. We have NEVER had a 15 year mortgage.
Consumer complaint received 2016-09-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

I went to close my mothers IRA at a Wells Fargo branch. I have power of attorney. I even provided the original documents. Both the banker and the main office denied the document. They obviously did not bother to read it as Section B clearly states I have the right to close the account. Per their own admission, the account will simply sit in limbo no once could advise on what to do.
Consumer complaint received 2016-07-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

I have my auto loan with Wells Fargo Dealer Services. They lost one of my payments. I was notified in XXXX that I missed a payment in XXXX 2014. I went to my bank and got proof of the payment. When I proved that payment I was told it was XXXX 2014 payment. I got proof of that payment from my bank and sent it in to them. I was asked for proof of payments for that entire year and I complied. Wells Fargo still has n't corrected this error. They have been lying stating that The Attorney general 's office has n't contacted them but I have a copy of every letter sent by XXXX at the Attorney general 's office. He also stated that Wells Fargo contacted them on XXXX XXXX asking for another extension. The Attorney general 's office has been involved in this since XXXX and Wells Fargo refuses to respond to their requests therefore I was directed here by them. When Wells Fargo called me last week they stated that XXXX in their office of the President was no longer with them and there were no notes on my file. They have charged over {$200.00} in late fees to my account and reported negatively to the credit bureau for their own mistake. It is evident that this has happened a lot with them because in XXXX 2014 they posted someone else 's payment to my account per XXXX therfore it looked like I made an extra payment that month. If you look at my account history on their site they tend to reverse a lot of payments because payments are posted wrong, even when you pay electronically on their website. I have attached a copy of my payment history screen off of their website. The Attorney general 's office has submitted all other correspondence from my bank as well as the payment history screen from their site, to them in XXXX and XXXX.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have filed numerous complaints with incorrect information being on my credit report. I have had to get numerous addresses removed off of my report that I have never lived at and numerous telephone numbers that I have never had. I have been disputing these same accounts for the last 6 months and they refuse to remove them. I am exhausted and I have now filed suit. I will not amend it or cancel it until they remove those items on my intent to sue letter.
Consumer complaint received 2016-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MI)

I was denied credit by XXXX creditors in the past two weeks ( trying to build my credit again ) citing Experian 's report that my answers during the verification process possessed fraud indicators. The problem is n't my answers, it is their questions. They do n't apply to me. They had questions about a home loan. I 've never had a home loan. They asked which year my home was built. Again, I 've never owned a home. They asked a question about XXXX credit companies that I have never had accounts with. They asked about a phone number that had to have been over 20 years ago since I 've used so I could barely remember if I checked the correct one. They have then reported to both creditors that there was an alert for fraud. I have never done anything fraudulent in my life! Experian needs to stop this now and correct the information they 're using to verify my identity. None of it applies to me.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : None Balance {$1000.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

A charged off item from credit XXXX bank was reported on my credit. The item was sold to midland credit management and they in turn got lawyers. I got lawyers from the fair trading commission and the item was litigated and settled. MCM removed the item as was asked to. However transunion has now relisted the item from credit XXXX on my account giving it another XXXX yrs until removal and it was already listed for XXXX. I did not initiate this as this was instruction from the lawyers. How is this fair for me? That is the reason my credit score did not move and even went down by XXXX point by transunion. This is victimization of the public by a credit reporting bureau.