davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

On XX/XX/2023, I initiated a bank-to-bank transfer from my XXXX XXXX  account of XXXX XXXX dollars to my Bethpage Account which I have done numerous times in the past. The receiving bank Bethpage says they never received the funds. However, XXXX has sent me all the confirmation transaction information. I have been on the phone with XXXX and Bethpage for the last XXXX XXXX months with multiple calls between the two and up to now Bethpage won't take responsibility, but their customer service department is way above chase. I only interact with one person at Bethpage. That part I am grateful for. Bethpage claims they never received it and its XXXX fault. While XXXX claims they did send because they debited my account and have proof. That doesn't help me since I am still out my XXXX XXXX dollars and unable to pay my mortgage.
Consumer complaint received 2024-01-08
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: Experian Information Solutions Inc. (NY)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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: Sarma (FL)

I had applied for Solar Panels with XXXX XXXX XXXX  which was approved on XX/XX/XXXX. However, there is a second hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX which results in an increase of the hard inquiries on my account. 

Same for SarmaXXXX there was one inquiry on XX/XX/XXXX and another one on XX/XX/XXXX. I only authorized 1 inquiry same for XXXX. Inquiry date XX/XX/XXXX and another one on XX/XX/XXXX all the above are duplicated and have a negative impact on my inquiry count.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I am writing to urgently report continued inaccuracies on my credit reports despite multiple dispute submissions. The credit reporting agencies have failed to conduct a genuine investigation, resulting in defamation of my character. 

Key concerns : Verification Process : Requesting a breakdown of how the agencies verified alleged accounts, as the information remains inaccurate.

Defamation of Character : The persistence of false information constitutes defamation, demanding a prompt resolution.

Failure to Provide Results : Agencies have not provided investigation results, violating FCRA rights.

Failure to Notate Disputed Accounts : Neglecting to notate disputed accounts, as required by law, adds to the inaccurate representation. 
FCRA Violations : Multiple violations of FCRA, specifically FCRA 15 U.S.C. 1681i ( 6 ), warranting monetary compensation. 
I kindly request your intervention for a thorough investigation, ensuring agencies adhere to FCRA regulations. 

Thank you for your prompt attention to this matter
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

CHARGE OFF ACCOUNT THATS BEING REPORTED XXXX XXXX XXXX - Reporting Charge off balance of {$1400.00} Dated XXXX 
XXXX XXXX Reporting Charge off balance of {$570.00} Date XXXX 
XXXX XXXX XXXX Reporting Charge off balance {$0.00} XXXX XXXX
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (CA)

In XXXXXXXX XXXX XXXXXXXX my loan was bought out from XXXX XXXX Mortgage to Mr Cooper. The loan was completely under Mr Cooper by XX/XX/XXXX. During this time I had PMI of {$200.00} a month which comes out of escrow and paid directly when the mortgage is paid monthly. The information was put into their computer system as a - coming from the previous company. I have never had a late payment in the life of the loan ( XX/XX/XXXX ) when the property was purchased. In XX/XX/XXXX my PMI came off and in XX/XX/XXXX I had a negative balance of {$200.00} on my account which Mr Cooper is charging me for monthly {$16.00}. If you have a negative on your account in any form, PMI can not be dropped ( these are XXXX XXXX rules ). Also PMI is not held in escrow and comes out monthly through the mortgage payments. I have fought with Mr Cooper now since XXXX about this issue which I was wrongfully charged due to their mistake. If this does not get resolved this way I will have to take even further action.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX I made an on-time payment in the amount of {$50.00} to American Express and they charged me a {$39.00} late fee on XX/XX/XXXX.
Consumer complaint received 2024-01-07
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: Experian Information Solutions Inc. (TX)

THESE INQUIRES ACCOUNT AND ADDRESS  WHERE MADE DUE TO IDENTITY THEFT. A FTC REPORT WAS MAILED TO ALL CREDIT BUREAUS AND CREDITORS AND THERE ARE FOLLOWED

 XXXX XXXX XXXX (Bank) (XXXX) INQUIRY MADEXX/XX/XXXX XXXX (Bank) XXXX INQUIRY MADE   XX/XX/XXXX XXXX XXXX XXXX   XXXX) Account Number: XXXX

INCORRECT Addresses  (EXPERIAN) XXXX XXXX XXXX XXXXTXXXXX XXXX XXXX XXXX  (EXPERIAN) INQUIRY MADE  XX/XX/XXXX
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NJ)

I called Chase and requested an {$8000.00} credit be transferred to another Chase VISA account ( Amazon ) on XX/XX/. This card had the highest Chase balance with the highest interest.They did not do it. On XXXX I called them again and requested they immediately transfer the monies to the card again. They did not do it. They instead transferred {$7300.00} to another Chase card I have leaving a {$6500.00} surplus balance. In this time, They've used my {$8000.00} to charge other customers 25 % interest a day. On top of that, they are charging me 22 % a day on the {$8000.00} that should have been applied to the card I told them to transfer the balance to.
Consumer complaint received 2023-09-05
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. (GA)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXXXXXX Balance : {$710.00}.
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Titanium Funds (NV)

Lucky auto is a scam I did not get XXXX cents and a job gets me a car I had to pay down payment of XXXX  dollars first fraud they did second I have now purchased two vehicles from this lot the first they reported 5 ontime payments I have been paying ontime for now two separate purchases and the closed the account when I got on XXXX XXXX without updating almost 4 years worth of on time payments and also don't know the balance owed on credit. I need my credit I need them to report they are known to scam people if you can't help I may need to get a lawyer because they are taking advantage of people with bad credit! They lock you into a used car that is 3 to 4x as much as the car value so yeah please help!
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

My injury began in 2018  when I asked the bank for an audit of my account transactions. I was told by my regional bank manager that my request for an audit was not approved. I was also informed by the customer service person that Chase bank did not audit personal checking accounts.

Shortly thereafter, I sent over one hundred documents ( copy of my checking account ) to Chase corporate headquarters explaining the dilemma relative to checks being returned 10 days after posting, and the funds associated with those returns were not put back into my account. To make a long story short... money is withdrawn through automated debit to pay my bills, debits are reversed after 10 days but funds are not put back into my checking account.

I sent my husband {$400.00} using chase XXXX I cancelled that transfer within the hour, but my funds did not return to my account. I filed a complaint with the bank, but I have been waiting 2 years. 

Furthermore, the access to identify returned checks is missing. from my online access file. 

More importantly I deposited {$30000.00}. in the bank a few months ago the bank held it for 10 days. Okay... when it was released I had about {$12000.00}, after bills but that disappeared from my account. I filed a complaint about the XXXX {$5000.00}. payments made to a law firm which was never deposited back into my account. 

I am XXXX XXXX XXXX and do not have the funds to hire a lawyer. I am so depressed about the funds that chase owes me that I can't function.
Consumer complaint received 2024-01-02
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: CITIBANK, N.A. (CO)

On XX/XX/2023, I received a notification from Citi Bank saying there were some suspicious charges on my Citi XXXX card. I promptly called them and locked the account. The charges were made in XXXX and I am in XXXX. I had possession of my card at the time of the fraud. 

XXXX charges were eventually re-embursed : One for XXXX at XXXX XXXX XXXX XXXX and another for XXXX} at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, but XXXX charge of XXXX for XXXX XXXX XXXX XXXX was still pending. The charge for XXXX has never been resolved despite multiple attempts to report the issue and multiple calls to the company. 

On XX/XX/XXXX I noticed that a the charge for XXXX at XXXX had changed from pending to approved I called XXXX to report the charge. At the end of my billing cycle, I saw that the charge was still on my account and listed as the full balance. I attempted to dispute the charge again via the mobile app but I was not able to see it in my dispute center. 

On XXXX XXXXXX/XX/XXXX I called Citi customer service to ask why this charge had never been handled, and the person I spoke with said she saw the dispute and was going to file a complaint saying this should have been resolved within XXXX days of the original report. She then referred me to the security center and told me to call on the next business day. 

Today, XX/XX/XXXX at XXXX am mountain time I contacted the security center and attempted again to report the fraud charges. The person I spoke with XXXX, said they had no record of the dispute for XXXX even though I had reported it through the mobile XXXX twice and and assured me that they were re-opening the case, but when I asked for proof of this, I received none. 

The original dispute was over a month ago and I have received no notification that my disputed charges are being investigated. Furthermore, my payment is due on XX/XX/XXXX and I have no indication from the company that they will resolve the issue so I feel I am being forced to pay for fraudulent charges to avoid late fees or interest fees.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (GA)

XX/XX/XXXX I WAS APPROVED FOR A UNITED COMMUNITY BANK ( XXXX XXXX CREDIT CARD FOR XXXX INTEREST TO TRANSFER A BALANCE. 
I HAD XXXX TRANSFERRED. 
RIGHT AWAY I PAID DOWN THE BALANCE TO XXXX AND WHEN THEY REPORTED XX/XX/XXXX IT WAS THE SAME XXXX THEN WHEN I DISUPUTED IT WITH XXXX CREDIT BUREAU. XXXX XXXX AT XXXX TOLD ME ON XX/XX/XXXX XXXX SAID IT WAS CORRECT. 
THEY DON'T EVEN TAKE THE TIME TO VERIFY CORRECT INFO OR WANT THE BALANCE TO REMAIN HIGHER FOR GREATER FEE OPPORTUNITY. 

PLEASE HAVE THEM REPORT CORRECTLY. THANKS. 
ITS BEEN OVER 3 MONTHS, IT NEEDS TO BE UPDATED MONTHLY. 
I WILL BE WATCHING.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: United PanAm Financial Corp. (NJ)

I am writing this complaint to bring to your attention the violations committed by United Auto Credit and XXXX XXXX in regards to my retail installment contract. The issue at hand is related to the determination of finance charge, which was not included in my contract as required by 15 U.S. Code 1605. 

On XX/XX/2023, I signed a retail installment contract with XXXX XXXX for the purchase of a vehicle. The contract stated that the amount financed was {$6000.00}, but the finance charge was not included in the contract. According to 15 U.S. Code 1605, the finance charge should have been disclosed to me before entering into the contract. However, neither United Auto Credit nor XXXX XXXX informed me of this crucial information. 

Furthermore, I was charged an illegal down payment of {$4000.00}, which is also in violation of 15 U.S. Code 1662 - Advertising of down payments and installments. As the creditor, I was never informed of my rights or the terms of the contract, which were both illegally charged to me without my knowledge or consent.

I urge you to take appropriate action against United Auto Credit and XXXX XXXX for their blatant disregard of consumer protection laws. These actions are unacceptable and can lead to serious financial consequences for innocent consumers like myself. I request a thorough investigation into these matters and demand that the necessary steps be taken to rectify this situation immediately.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My credit report is inaccurate, and needs to be corrected. XXXX XXXX account dated XX/XX/2023 is inaccurate and need to be deleted off of my credit report!
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is the 2nd endeavor I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (WA)

We continue to be harassed about a debt that is neither mine nor my spouse by XXXX XXXX XXXX XXXX. We reviewed our credit report and are certain this is not our debt. We have been attempted to be served ( have video proof of them trying to serve us papers for a debt that is not ours ), continue to send back multiple certified mail attempts, and receive threatening phone calls nearly daily, etc. 

We communicated over the phone and over certified mail ( tracking below ) that the debt is not ours. We included the letter we sent the collectors. The debt belongs to XXXX XXXX XXXX ( presumed due to mailing address. Unbeknownst to us our phone number and home address is tied to this debt. That said, neither XXXX XXXX XXXX XXXX XXXX are the debt holders and they will not stop. 

Certified mail tracking numbers : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST HORIZON BANK (AR)

I would like to formally dispute a negative credit mark that has been placed on my credit report by the institution, First Horizon, in connection with my mortgage. Also, acknowledge harassment and poor treatment. 

The issue at hand revolves around a severe lack of communication and transparency on their part regarding the maturity of my mortgage. I was shocked to discover that my mortgage had matured weeks before I received any notification from the bank. This complete lack of timely information has resulted in an unjustified credit mark on my otherwise flawless record. 

The bank failed to notify me in a timely manner about the maturity of my mortgage saying, It slipped through the cracks. I was only informed of this critical information weeks after the fact, which left me with very limited options and time to manage my financial situation and secure a refinance. This has been done, and the institution has contacted First Horizon saying a check will be sent to them immediately after closing has finished. Yet, still they call multiple times a day demanding full payment with threats of escalation. 

Despite being a responsible and punctual borrower throughout the life of my mortgage, I received no reminders, notices, or any form of communication regarding the approaching maturity date. This lack of communication is unacceptable and unprofessional. We offered to continue to make payments on the loan till the mortgage was refinanced, or make a very large payment, but this was DENIED by First Horizon.

As a direct result of First Horizons negligence, the credit report for both my wife and I now reflects a negative mark, which will have adverse consequences on our ability to secure credit and loans. This unjust credit mark has the potential to harm our financial prospects for years to come.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (OH)

This credit card company allows its client to charge for services not rendered. They put charges on accounts for 12 months same as cash but when those amounts are altered neither companies make corrections. For over 5 years I fought for my billing statements to be corrected. To honor amended contract. The first salesman over measured for the merchandise. The XXXX remeasures and informs company of errors. The salesman amended the contract, it went from XXXX to XXXX. My bill continued to display XXXX. The salesman canceled the order and according to the ordering clerk he never reordered. This company sues me for XXXX after 2 years of court hearings. I then take their client to court and they request mediation. The representatives look at all my paperwork and call their law department and were told to settle with me that day. Small claims court does not allow XXXX lawsuits which is what i was sued for. For years I've told both companies I NEVER RECEIVED THE MERCHANDISE!! Now I'm being forced to pay their lawfirm for something I never received. The amount is inaccurate, the interest charges are over inflated. Their client often display bad business practices. I've talked to XXXX XXXX firm, whos had several lawsuits against their client. I read the XXXX 's case from Ohio as well as many others. This client stopped offering the services I signed a contract for and never made us aware. I filed XXXX disputes that I believe were just brushed off. I mailed paperwork to the XXXX of this company in XXXX and I haven't heard back from them. I've sent paperwork for this new issue to complaint # XXXX. In XXXX. I feel as though I've been discriminated against. I am retired due to health issues, and it's my honest belief that this all has contributed to my issues.