davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

I opened a dispute on XX/XX/XXXX with Citibank, N.A ( Case # XXXX ). that Citibank did not post a {$3400.00} refund by XXXX XXXX to my credit card on XX/XX/XXXX because of a cancelled cruise ( Covid ). I made a final payment for the cruise of {$3600.00} on XX/XX/XXXX for a total {$5600.00} charged for the cruise to XXXX XXXX. 

The following refunds to my account occurred on XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$110.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$110.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL - {$520.00} Total XXXX But the {$3400.00} amount part of a trace number XXXX was missing. XXXX XXXX has confirmed that they released the refund of {$3400.00} as well but Citibank did not post it to my Credit card account. The Citibank dispute center released a document from XXXX XXXX confirming the {$3400.00} amount was refunded from XXXX XXXX 's bank to Citibank reference number XXXX. Citibank keeps trying to say the XXXX of refunds was part of the {$3400.00} even though XXXX XXXX has confirmed it is not on the phone and in writing. 

In XXXX, Citibank added {$1100.00} to my account for an unexplained reason. The dispute center has started telling me just wait 10 more days for 4th time in a row without providing a written update or cause. I have paid Citibank to cover amount not returned to my account. I last spoke to Citibank on XX/XX/XXXX and they said they still need to contact the merchant again.
Consumer complaint received 2019-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (CA)

I am a former XXXX XXXX with one of the largest financial software companies. 

I am Chase Sapphire Reserve and Chase MileagePlus Explorer credit card customer, and continue to be fully opted out on all Privacy Preferrences, i.e., Creditworthiness, Non-affiliates, Affiliates, and given we are located in California, Chase Companies and Chase Affiliate Companies. 

Chase Sapphire recently sent us an offer with Balance Transfer checks, preprinted with our names and addresses. This offer was sent from Mr. XXXX XXXX, General Manager, Chase Card Services. 

This is a Privacy violation in that : i ) we are fully opted out, and ii ) Balance Transfer checks are not suppressed in their opt-outs.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS. XXXX XXXX, XXXX XXXX, XXXX ACCOUNTS. 

I ATTACKED A LETTER FROM XXXX TELL ME THAT MY NAME WILL BE REMOVE FROM THAT ACCOUNT DUE TO FRAUDULENT OPENED.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Since COViD started Synchrony bank has constantly reduced my credit limit. I received no notification of this happening but they claim its in their paperwork. I receive over the limits notifications from the credit reporting agencies every time it happens. I have been paying my card on time and they keep reducing my limit where I have to pay high interest because the balance is higher than the limit due to the m constantly dropping it.
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account XXXX : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (MD)

To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Former : XXXX XXXX XXXX 15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-05-04
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. (MN)

I sold a townhouse and purchased a condominium on XX/XX/XXXX. Only the condominium was financed through XXXX XXXX XXXX Mortgage. 

In XX/XX/XXXX XXXX XXXX  XXXX Mortgage erroneously paid property taxes on the townhouse I had previously owned. This put my escrow account in the negative. It appears that they didn't figure this out until XX/XX/XXXX. Since then I've been charged penalties, late fees and received certified letters threatening 'additional action '. 

I have called customer service about 24 times to discuss this. As the arrearage was not due to an error on my part, I disputed their assertion that I needed to pay for their error.

I've talked to actual customer service personnel ( in the Escrow department ) a dozen times and have been promised a resolution by their specified date each time. 

They have currently fixed the underlying issue about their error paying property taxes for property I do not own, but not the effects of that error. As you can imagine, my Credit Scores have fallen 150-200 points. I called 'customer service ' again today because their online system now says that my loan balance is {$0.00}. I'm blocked from viewing any details because of the status of my account. Customer service didn't answer but I was given the option for them to call me back within 15 minutes. It's been an hour and they have not responded.

I'm sending them an Error Resolution Notice under 12 C.F.R. 1024.35 via certified mail today but I have little faith that they will correct the error.
Consumer complaint received 2021-05-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I am an heir at law to my late fathers estate, ( he & his last wife are both deceased now without wilIs ) I am not the borrower of these loans but I am the being sued for them. I don't have money to pay them, I do not have a home of my own. 
XX/XX/XXXX i was served with written package # 2 foreclosure Summons from court ; AFTER FORECLOSURE HAD BEGAN ( Nationstar Mortgage/ Mr.cooper ) *XX/XX/XXXXforeclosure # 2 began in court. ( Nationstar mortgage / Mr.cooper ) *XX/XX/XXXX Foreclosure # 1 began in court. ( XXXX XXXX XXXX ) * I was never served with this # 1 summons ( XXXX XXXX XXXX ) my u.s. constitutional rights as an american citizen of the U.S. were violated due to the fact that my brother ( other heir ) was served & given the option to buy this estate for only {$5000.00}. But I was never offered this option= unfair treatment /discrimination practices
Consumer complaint received 2024-01-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX, I logged into the TD Bank online portal to access my Raymour and Flanigan credit card account. On that date, I scheduled two payments : one for {$100.00} due on XX/XX/XXXX, and another for {$100.00} on XX/XX/XXXX. 

However, on XX/XX/XXXX, upon receiving my physical credit card invoice, I noticed a {$29.00} late fee on the account. Upon logging into my account, I observed that the payment I had set up on XX/XX/XXXX, to cover my XX/XX/XXXX, payment had been canceled. Surprisingly, the payment for XX/XX/XXXX, was still pending on XX/XX/XXXX. In response to the late fee, I contacted customer service. 

The representative acknowledged that I had scheduled two payments on XX/XX/XXXX, but explained that the system does not allow for two payments to be simultaneously in a " pending '' status. When I set up the payment for XX/XX/XXXX, it automatically canceled my XX/XX/XXXX, payment, leading to a missed payment. Fortunately, the representative was able to reverse the {$29.00} fee. 

Unfortunately, the situation worsened as TD Bank decided to cut my credit line by XXXX  due to this system mishap. Upon inquiry, another department explained that the credit line reduction was a consequence of a late payment on the account. Despite having never made a late payment before, the system 's automatic cancellation led to this unfavorable outcome. 

To restore my credit line back to {$9000.00}, the representative informed me that they would need to pull my credit again. I find this request unreasonable, considering it stems from a system glitch and involves an individual with a clean payment history on this card and all other credit cards. 

I have attached a snapshot of the payment status page from their website for your reference. Please review the dates and times of the requests. On XX/XX/XXXX, at XXXX XXXX, I set up a {$100.00} payment. One minute later on the same date, I established another {$100.00} payment scheduled for XX/XX/XXXX. To test my cancellation theory, on XX/XX/XXXX, at XXXX XXXX, I set a payment as a " pay now '' option for {$150.00}. Upon accessing my online account on XX/XX/XXXX, the status of this payment was processed. Subsequently, I made an " on this date payment '' for {$160.00}, dated for XX/XX/XXXX. This set up canceled the previously processed " pay now '' payment. I find this situation deceptive and seek resolution.
Consumer complaint received 2021-05-04
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. (IL)

To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} This agency XXXX XXXX XXXX is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report. I demand that this account be deleted immediately and I request a free copy of my report after the changes have been made ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C 1692g
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX Via XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-04
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: AmeriCollect (PA)

I am unaware of this bill including the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX Of The Main Line for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until this debt has been validated by ME Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. AmeriCollect keeps reporting to XXXX which is illegal without show validated proof and authorization that I even signed off on this account. This 3rd party Debt Collector has been a hassle. I want this account deleted immediately. The balance is {$230.00} which does not belong to me!
Consumer complaint received 2021-05-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MD)

on XXXX XX/XX/2021, Wells Fargo opened an account with my name even though all 3 credit bureaus credit were frozen years ago. On XXXX XXXX, i contacted Wells Fargo and told them the accounts were opened fraudalently. 

Again on XXXX XXXX Wells Fargo opened another account even though all credit bureau accounts were frozen years ago. On XXXX XXXX I contacted Wells Fargo re account opening illegaly. 

On XXXX XXXX, i contacted Wells Fargo and asked them to make an annotation never to open an account in my name. They said they would make a note of it. 

On XXXX XX/XX/2021, I received notification Wells Fargo again opened accounts in my name online with all the credit bureaus frozen.
Consumer complaint received 2024-01-19
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. (IL)

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$80.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXX  Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$32000.00} XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference XXXX XXXX XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IL)

We have 2 loans w/ Loan CarXXXX XXXX. We were in a Forbearance plan for both, however we continued to make regular payments during the forbearance period. 

Loan Care misapplied or didnt properly credit our payments to the loans. 

Because were afraid of losing one home, & being forced to take a 40 year loan on another, that we only owe {$27000.00} on, were forced to find loans in order to borrow to payoff the loans. 

Loan Care wrote us saying we were in default on one, even though we followed their Modification terms properly & they are forcing us to refi for a unreasonable amount of time, 40 years on the other. 

We have asked for payoff letter verbally, multiple times & went to myloancare.com & requested a payoff. It took us over several weeks, after multiple requests to finally get one & the interest charged on the payoff letter is drastically Overstated. 

Theyre trying to charge us interest for a Full Year, instead of a month/fraction of a month. 

This interest Overcharge is added to our payoff statement & we believe that our Principal is overstated, because our payments were not applied Properly.
Consumer complaint received 2019-02-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

Re Loans : XXXX XXXX, XXXX XX/XX/2019 XXXX XXXX, Co-signer, Navient Account # XXXX Loan Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Navient has sent negative reports to the major credit reporting agencies stating that we are behind in the above Navient loans. My credit score dropped XXXX points because of their error. I am a co-signer with my son on his school loans. Navient claims my son hasnt made payments since XXXX. These are AUTOMATIC withdrawals. They were withdrawn in XXXX, XXXX, and XXXX, applied to these loans, and suddenly, in XXXX, Navient claims they haven't been made. My son has bank statements from XXXX XXXX showing that Navient received these payments. We are in the process of sending these reports to Navient. 

Apparently these funds have now been applied to the Federal Loans that XXXX has ( those loans without my signature. ) If so, this was done without our authorization or approval. By doing this, the loans I signed for ( all shown above ) have gone UNPAID, causing Navient to send negative reports on my credit. This is unprofessional if not illegal and they should be held accountable for hurting customers in this way. I know these payments were made on the loans I signed for, but Navient says they were not. While this would never happen at Navient, whoever diverted these funds should be held accountable because it ruined my credit as well as my sons. 

Thank you for any help. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$340.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} XXXX XXXX XXXXXXXX Balance {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance : - AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance XXXX {$870.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.