davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX I deposited a check into my Savings account to my Bank of America mobile app around XXXX. I was notified the money would be held until XX/XX/XXXX at XXXX, which I agreed to. The following morning, XX/XX/XXXX, I checked the app to see my Checking account was closed with no communication to me via mobile, mail, or email. My phone number was also deleted from XXXX, and the hold updated to XX/XX/XXXX.
Consumer complaint received 2022-07-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (NY)

There was no Good faith efforts to establish live contact with a borrower generally consist of reasonable steps, under the circumstances, to reach a borrower. 
There were numerous Servicers/Debt Collectors, starting with XXXX XXXX XXXX XXXXXXXX XXXX , CitiFinancial, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and without any written notice, now XXXX XXXX XXXX 
The truth is the 6-year statue to file a foreclosure in New York State , had legally expired. Only the Judge in this case granted the Plaintiff 3-extensions altogether to file this expired foreclosure. 

The extraordinary financial costs added additional filing fees 3-times, additional lawyer fees, additional interest fees, and additional lates charges, which all of these additional foreclosure costs, were unfairly accumulated at the expense of me, the homeowner. 
The Judge without my knowledge, at the request of Servicers, the Judge appointed/installed a Guardian Litam, who accepted Service, and then a foreclosure judgement was entered by default. The Guardian Ad Litam was inappropriate, and unauthorized, and to the complete benefit of the Plaintiff, which tilted everything in the favor of the Debt Collector/Attorney 's. 

The results of the Judge inserting the Law Guardian was epic, inappropriate with negative consequences to the homeowner ( s ) and it was legally improper! I am not impaired, incapacitated, or in the military. This appointment was improper
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AR)

I recently paid off my mortgage with Wells Fargo. It was paid in full on XXXX for a total of {$370000.00}. I mainly did this to get a better rate and to leverage my equity and get away form paying Mortgage Protection Insurance. Well on XXXX I was charged a double payment of Mortgage Protection for a total {$480.00}. My typical monthly payment for MPI was {$240.00}. Needless to say I am very disapointed. I called Wells Fargo and they said it was some sort of weird rule that current and next month MPI is paid out when loans are paid off. Do I have a leg to stand on? Seems like a greedy move and it is not protecting any mortgage as it was paid off.
Consumer complaint received 2024-10-01
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC (TN)

I mailed a debt validation letter on XX/XX/year> to Allied Interstate, LLC. I asked them to provide proof that I owed the debt and proof that they are the correct company to pay. They did not provide the documents requested. Instead they have continued to send me debt collection documents.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

Mr. Cooper Mortgage You are charging me the wrong amount for my property taxes. I have spoke to numerous departments over and over about this and faxed you on XX/XX/XXXX the tax property coupons. No one corrected this or acknowledged my fax in XXXX. 
Yesterday XX/XX/XXXX I received an email saying my statement was ready. You ran an analysis with the wrong information AGAIN and adding to it now saying I also have a shortage. 
I spent 55 minutes with a man who could not answer why thus is happening and said my taxes must have changed. I went to the XXXX Department in my County and No they had not increased or changed. 

My County tax department pointed out that you were charging me the {$45.00} water basin fee 2 times, which is incorrect. 

This fee is a ONE TIME ONLY ANNUAL FEE. 
The {$45.00} fee is INCLUDED in the XXXX Spring installment only. 

XXXX + XXXX = XXXX. This was already paid in XX/XX/XXXX. 

The second installment is XXXX due in XXXX. DO NOT ICLUDE THE {$45.00} My total annual tax bill is XXXX On the last several statements you show XXXX. 

I faxed the tax department AGAIN on XX/XX/XXXX for the second time requesting this be corrected. 
This is a simple correction that I can not understand why it is not being addressed. 

Can someone actually make this correction and tell me why I'm again being thrown into a shortage AGAIN? 
In the last 4 months my payments have fluctuations of XXXX XXXX XXXX. Shortage PAID IN FULL XXXX XXXX XXXX My current installment is XXXX Currently- I have paid another XXXX shortage on XX/XX/XXXX but don't understand why or what made an escrow shortage. 

This XXXX shortage is unexplainable plus the additional monthly tax of XXXX XXXX is inaccurate. 
You need to correct the tax amount in my escrow You have not properly serviced my account and have not made corrections that I have requested. 
If you had corrected the tax error before you ran another analysis on XX/XX/XXXX there would be no shortage again. 
These errors in my escrow since XXXX have been made by your departments and their lack of knowledge or ability to make timely corrections. 
I am requesting my escrow account be brought accurate correct the tax amount and refund the XXXX shortage I paid that no one could explain why I was shortage
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I reported my card lost or stolen When I return home from a trip I contacted chime bank inform them of transactions that we're posting that we're Not authorized. I also provided them with a police report number Once I received the email from them telling me that these transactions would not be reversed I requested of all information that was obtained for them making that decision.. I also requested at the time a new debit card I changed my pin. I even went to appeal the original decision not to reverse the charges as of this date my account has been closed I'm still to receive any type of written documentation for them supporting that decision to deny every single claim. When I called back to customer service and spoke to representative and I asked her what evidence supported you your claim to deny my request for reimbursement And was told then that actually no information other than the information I provided to them Was considered.. I am lost as to how a company decides decides to not Remember me for unknown spice transactions when they never requested a copy of the police report and police report and I told them that that these transactions were we're unauthorized because I was not for example in XXXX XXXX so I was not buying gas in XXXX XXXX I was not Spending money for XXXX  for 2000 and then was told that my deny was my my my claim was denied but but then I received a message from XXXX informing me is that a That a charge back is being issued by from my bank I was more concerned with the fact that I was now receiving an email from a company that I haven't signed up for
Consumer complaint received 2022-06-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/2022 I received an alert that I could Not log in to my accounts with Chase. I went Into the bank and realized someone in a different state went into a branch and impersonated me by using a fake identity and opened a joint account. That fraudster transferred over 50k from my accounts and then proceeded to withdraw money from other branches. Chase is at fault to this. The fraudster took out XXXX from other branches and was not flagged. I received a check from chase addressed to the fraudster and myself for $ XXXX but not the rest of the XXXX that he withdrew. Chase is making me do all the leg work to get my own money back when it was their fault. I have Filed a police report as well.
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (TX)

fcra violations : XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY wrong names and address
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (WA)

I contact XXXX XXXX XXXX about my 2 accounts with them ( XXXX XXXX and XXXX XXXXXXXX XXXX ). XXXX XXXX XXXX assigned my two accounts with them to XXXX, XXXX XXXX XXXX XXXX. I contact XXXX, XXXX XXXX XXXX XXXX to settle the said two accounts. They informed me that there is a third account under my name. I asked them who is the creditor, they said it is from Barclay Delaware that was sold to XXXX XXXX add XXXX XXXX assigned the account to them to collect. 
That Barclay Delaware account had been settled and paid long time ago. 
XXXX, XXXX XXXX XXXX XXXX is not helpful when I tried to explain to them that it was settled and I gave them the confirmation # that the account is settled. They insist that all three account should be paid. 
I do not know how to handle this situation. I just want to settle what I owe and not what i already paid.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

On XX/XX/XXXX I contacted chime bank about unauthorized charges to my account. I explained to them that my phone was stolen along with my wallet because my phone case is a wallet. I had 8 different transactions taken off my account through XXXX XXXX that I did not do. I filed a police report and I also filed a report with identity theft. org I sent them the police report # and the identity theft case # my license and other personal info was stolen also. Chime denied my claim in less then 24 hours stating no error occurred when it did. Im very upset that they didnt even try to help me. Whoever had my phone was able to see everything. I found my phone thrown on the side of the road. Im out of about XXXX bucks I have XXXX children and this is not fair at all. Im filing this complaint because chime doesnt protect their customers enough to even look into the case of unauthorized transactions and they didnt even try to help me. I want my money back this is terrible. I dont have that much money to just give away, that was my money for rent and bills. Im very upset. also the person who stole my phone, was inside of my chime account I added money to my card to get ready for rent not knowing they were able to get in my account and they withdrew money as I added it because it pops up on my phone, they just used XXXX  XXXX  to withdraw funds and also sent funds to themselves. Chime basically called me a liar and said I did it on purpose when I did not. I am now working with police to try and find out who this person is.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (PA)

I booked a flight though Chase XXXX on XX/XX/2020. On XX/XX/2020, XXXX XXXX XXXX cancelled this flight due to COVID-19. Instead of issuing a refund for the flight as required by XXXX regulation, Chase XXXX accepted a flight voucher as compensation for my flight. XXXX XXXX XXXX is not currently flying due to bankruptcy issues, leaving my credit useless. this amounts to over XXXX in lost money. 


Chase XXXX has made no attempts to comply with XXXX regulation.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (FL)

In XXXX, I received an offer from Chase Slate credit card for 10.24 % interest rate. In XXXX of XXXX, they informed me " We are changing Annual Percentage rates because your APRS are below the lowest APPS we currently offer.. '' In essence going from 10.24 % to 16.24 %. It stated any transaction made after XX/XX/XXXX will be that. And it said I have the right to call and reject which I did. They closed my account then, and I continued to pay 10.24 % on the balance. Now, after four years, they are raising it every month. I have paid it down to {$4800.00} {$12000.00}. I called XX/XX/XXXX to complain talked to Supervisor XXXX. He said he has no control and won't fix.
Consumer complaint received 2022-06-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

From XX/XX/XXXX to XX/XX/XXXX I was under the Covid 19 forbearance. No negative information was reported during such time. My loan servicer changed from XXXX to XXXX within that time. XXXX requested I pay the deferred forbearance loan upfront. I informed XXXX that I was unable to pay the deferred amount but since my loan was under Covid 19 forbearance Id like proceed with the loan modification. Once again no negative information was reported at such time. In XX/XX/XXXX I was informed to complete paperwork to process the loan modification which required 3 payments of {$2200.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All payments were made and received by XX/XX/XXXX and the loan modification was processed. After the last payment was in XXXX for the month of XXXX, XXXX reported my account deliquent to the credit bureaus on XX/XX/XXXX. First payment under the modification is due XX/XX/XXXX. My complaint is that XXXX reported my account deliquent which caused my credit score to drop over XXXX points. I've disputed the information with the credit bureau to which they reported only the information has been updated to include the trial payment but all else will remain on my account. Also I do need to report that while making the 3 trial payment XXXX also sent me a few letters stating that my account was facing possible forclosure if the forbearance balance was not cleared. I disputed the information with XXXX via phone to which countless representatives informed me to ignore the letters as it was standard process. However these letters still were being recieved on my end and I felt in danger of losing my house. I reported XXXX to the XXXX XXXX XXXX XXXX services. XXXX quickly responded to XXXX in which they expressed mistakes on their part.
Consumer complaint received 2021-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NE)

The home was refinanced on XX/XX/21, making our next monthly payment due on XX/XX/21. The payment was made on XX/XX/21 for the full amount, plus {$10.00} to principal. Then, another payment was made on XX/XX/21 for the XX/XX/21 due payment. The payment was not applied correctly for the XX/XX/21 and now they are reporting us to the credit bureau 's as delinquent. They have open numerous tickets to resolve this issue, but have yet to correct it and complete the issues. This has been ongoing for 2 months now, without resolve. In the meantime, we continue to get harassing phone calls to collect a " past-due '' amount for 2 month 's of mortgage payments. Now we are blocked from accessing the online portal- as that is a privilege provided by the mortgage loan servicing company. Now we can only communicate with the default department.
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello, I was a customer using PayPal for my business for a long time, two days ago they asked me for a business address document for a spending limit upgrade which I provided, I was using this account for over 2 years without any violations or troubles. Suddenly today without any notification I get my account closed permanently with my money in it and my bank cars and some of my business payments on my way to the account, all of them stuck now. please help me to restore this account and continue the business.i think this was a mistake Reference ID : XXXX
Consumer complaint received 2021-08-05
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. (OH)

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccountsXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Third-Party Collection Agency unable to validate debt. Other problems have included debtbuyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously disputed debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.
Consumer complaint received 2022-08-01
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. (TX)

My credit score has dropped significantly and I'm trying to reach out to the companies but it only looks like they're automated services that are available. Doesn't look like I have any debts or have any major negative marks on my report recent or in the past. I've had excellent credit for many years so I don't understand what changed in the last few weeks and I can't get anyone to explain it either. 

I'm trying to get the credit companies to tell me what exactly happened. 

I know recently I've been in a victim of identity theft so I'm curious if that's the reason why or something else. Either way something is clearly wrong and I can't get the credit reporting companies to help me. 

Thank you so much
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (NV)

I went a car lot and specifically sad Do not shop my Credit and they did anyway.They told me that they contacted all three Bureaus with a letter to confirm they Ran My Credit by mistake. Its still there and Ive sent to them as well Ive attached a copy. 

I have also ask that XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX be removed and XXXX has yet to remove it.