davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

On my Citibank statement of XX/XX/2018, my balance was {$3500.00}. As a result of my divorcee, as pasrt of the settlement, the agreement required the payment of the balance by my wife. That payment was made by her attorney which should have left a " {$0.00} '' balance. 

The payment was posted to the account on the XX/XX/XXXX statement. Despite the foregoing payment they charged a late fee of {$25.00} and interest due of $ XXXX.The XX/XX/XXXX statement reflected the balance at {$48.00}. When the XX/XX/XXXX statement came in, I paid that amount in full. Again they added {$35.00} in fees and {$0.00} in interest. I spoke to Customer Service about the charges and during that conversation, I requested that the account be put on auto pay. The XX/XX/XXXX bill came in and the auto payment was not reflected on the account which they say they had no record of. Under the circumstances, I can not prove the request for auto pay but feel that this matter has gotten out of control. To add insult to injury, they have also reported my late payments to the credit bureaus. I am on social security, have no pension and work 2 jobs. I have tried with good faith to take care of this situation but have been unsuccessful in trying to work this out with Citibank.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXXXXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc. (KY)

In XX/XX/2013 I heard an advertisement on the radio about a Social group called XXXX XXXX XXXX to meet new people in a city you are new to, in order to connect with locals. I didn't know anyone in Texas and I thought it would be a great way to make friends. In the ad they said they you can cancel at anytime. I did not realize that it was an installment plan that I would have to pay whether I used their services or not. I never attended any of their events because I realized it wasn't for me and I had already canceled before they could even take out the 1st payment. 
Now my credit report has a collection from Keynote Consulting Inc with no contact information. 
I dispute this wrongful attempt to damage my credit.
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I filed my XXXX Tax Return with a wrong Bank Account Number, included mistakenly by the Tax professional ( I gave her a check to get my bank account information ). I did not realize the mistake while signing. The refund amount is {$6500.00} USD ( XXXX XXXX XXXX XXXX XXXX Dollars ). 

On XX/XX/XXXX. IRS sent a direct deposit under my name with a wrong account number, Chase Bank made the deposit without consider the client name. IRS sent XXXX Notice to detail the bank account information. In this notice IRS asked me to contact Chase Bank ACH Department, who referred me to the Original Branch to ask the Manager to help to contact the owner of the account which received the deposit. The Manager XXXX XXXX XXXX did not accept to help me. 

I started to talk to IRS and the XXXX Chase Bank at least four times, trying to get their help or advise, but the Manager XXXX never did anything. 

On XX/XX/XXXX, I called back Chase Bank-ACH Department again, after I explained the whole situation to XXXX-Agent, he said that they could help me to get back my money if the wrong account belonged to a client from another bank but they can not help me because the account belongs to a Chase Bank Client. Once again XXXX-Agent asked me to go to the Branch 's Manager and ask for help to contact the person who received my money. I went back to the Branch Manager, to get the same response, NO. 

On XX/XX/XXXX. I sent a letter to IRS Tax Advocate Office who asked to go back to my tax professional or Bank to solve this because is their responsibility. On XX/XX/XXXX, I also sent a letter to XXXX XXXX from XXXX XXXXXXXX XXXX XXXX  who is the tax professional who did my taxes, but she could not help me neither.
Consumer complaint received 2018-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Complaint against Rushmore Loan Management Services for  unauthorized increase to my fixed mortgage payment apparently for lack of required insurance. My property is a condo, and the XXXX XXXX insurance policy includes flood and liability insurance. I have repeatedly sent this proof of insurance to Rushmore. However, in XX/XX/2018, Rushmore increased my fixed mortgage payment by approximately {$79.00} without explanation or any notice. I have tried to understand why in a phone but they couldnt explain why this action was take or even what it was for other than premium payment! 
Instead, they are attempting to verify coverage despite my mailing proof of coverage. Every year they harass me by claiming they havent received proof despite verification from XXXX, the website they use plus the receipt of hard copy proof. However, never have they charged me for a premium as they did in XXXX. 
I find this company as the most incompetent and fraudulent institution I have ever dealt with in my XXXX years on this earth. I was so sorry to see my loan was sold to them a few years ago as I have never had this problem with other banks on this loan. What used to be an annual routine submission has turned into a nightmare. Thank you.
Consumer complaint received 2018-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (TN)

In XX/XX/2017 I opened an account with XXXX XXXX and was awarded a credit limit of {$2000.00}. Since opening the account I have always paid on time and never went over my credit limit, until this summer when a contract I was working paid slow and I fell slightly behind on receiving income for 1.5 months. During that time I was only able to pay household bills and went slightly over 30 days on my Barclays card. Once my income resumed, I made a substantial payment of {$1800.00} to Barclays and paid off a few of my other cards to {$0.00} balance. Barclays accepted my payment, then without notification reduces my over credit to {$550.00} a difference of $ XXXX That not only reduced my over all credit balance but also increased my credit usage on my credit report. The balance owed was {$340.00} out of {$2000.00} ( 17.25 % usage ) to {$340.00} out of {$550.00} ( 62.73 % usage ).

I called Barclays for an explanation and they informed me they did a pull of my credit report ( not sure if that is legal ) and I was reporting over limit on another credit card NOT ASSOCIATED WITH THEM so they lowered their risk and reduced my credit limit by {$1400.00}. I did not apply for new credit and do not recall allowing them to pull my credit report whenever they want or deem appropriate.
Consumer complaint received 2018-09-23
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Certified Solutions, Inc (NJ)

Dear CFPB : this matter is in regards of a debt of : {$640.00}. This bill from one of the hospitals i was there around XX/XX/2018, and I aplied for charity care. The collection agency wrote me a letter dated : XX/XX/2018 and I answer them before the 30 days. I explain to them DO NOT CALL ME, DO NOT HARRAS ME, to please to get in touch with the hospital financial/charity care office. I also ask them to mail me within 30 days bye State and Federal Laws. Copies of my bills, receives, copies of my policy number and also i told them do not call me any more and to contact my attorney if need it. Thank you Very truly yours.
Consumer complaint received 2018-09-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I asked for a loan for boa, in the amount of XXXX with a five percent down, everything was going fine until the underwriter said it was impossible to comute form XXXX to XXXX where I work, so the bank wanted XXXX more because of my comute, I feel that is not fair to assume such thing, so I had to close the loan out after losing about XXXX in lawyer fees and a check to the broker to start the process.i feel boa should have told me upfront that they had problems with my commute.this was informed to me on XX/XX/18, two weeks into the loan process when my loan officer was telling me everything was all right.
Consumer complaint received 2018-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (PA)

In XXXX I received a letter from XXXX and they said that I could pay a lesser amount per month than XXXX was offering and my payments would stay in good standing with XXXX and the money, which is XXXX per month, would go towards my student loan balance when this deferment time period was up. they also told me that I would be eligible for XXXX XXXX XXXX at that time and could possible have my loans paid off. I started receiving papers from XXXX, which is my loan servicer, about renewing my temporary hardship paperwork and I asked them if my record of payments being made to NationalStudentLoans.us via Equitable Acceptance of the XXXX/month was showing paid to them. This is not the case at all. I confirmed with a XXXX rep on XX/XX/XXXX that this loan company is a scam and that I have been basically paying them for my temporary hardship/forbearance when XXXX already has me on one and I just need to renew it and its a free service. XXXX has no record of payments and I have been paying this company since XX/XX/XXXX and its basically a credit line that I have nothing show for, no merchandise purchased, no card, and no payment reporting to XXXX. If I had known that I would be paying this company for nothing common sense would have told anyone that it is a bad deal but instead I was lead to believe this would benefit me in the long run with the status of my student loans and balance. Now this fraud and scam based company has all my info which is truly worrisome. I have a folder full ofdocuments ( too much to upload but can fax any necessary papers ) including individual names of correspondents and up to date account balance.
Consumer complaint received 2018-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NC)

I had an auto loan with Wells Fargo. In XX/XX/XXXX I started noticing that they reported that I was a payment behind on my auto loan for my XXXX XXXX XXXX. I called them because they went back and changed everything on my credit report showing I was a month behind. When I contacted them they said that I missed the XX/XX/XXXX payment. At that time I went to my bank and they pulled the check and gave me a copy of where the check was received and cashed by Wells Fargo on XX/XX/XXXX. I presented this information and then they said no, it was another payment. I got the next payment they said that I missed and sent them a copy of where the check was cashed by their institution. After going around in circles with them I submitted a complaint to XXXX. I think the guy 's name that was helping me at the time was XXXX. My complaint ID with them at that time was # XXXX. We eventually submitted payments for the entire history of the loan to Wells Fargo and their delinquencies were supposed to be removed from my credit reports as well as my co-signers credit reports. However when I went to review my credit report a few weeks ago, it was on there and this time they showed more delinquencies, even after I traded the car they showed that I missed payments. I officially signed docs on my new car XX/XX/XXXX to get away from this horrible company. They were even paid off by XXXX XXXX XXXX prior to that date. Please help me with this because Wells Fargo knows that they received every payment on time from me and it was proven. XXXX at the XXXX stated that Wells Fargo has a history of doing stuff like this. Every time we spoke to one person they would switch us to someone else. Then when we would call back they would say that person didn't work there anymore. XXXX even had this problem for a while.
Consumer complaint received 2018-09-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (MI)

On XX/XX/XXXX this year I closed on a home in XXXX, MI, with CrossCountry Mortgage Inc. as my mortgage provider. During the closing process, CrossCountry Mortgage Inc. failed to accurately disclose my closing costs, omitting some {$8000.00} for summer taxes ( my mortgage includes an escrow account with a monthly payment toward property taxes and homeowner 's insurance ).

I was assured by CrossCountry Mortgage Inc. that all necessary costs were included at closing and that I would have a fixed monthly payment moving forward. I based my future monthly expenditures on that assurance, trusting that CrossCountry Mortgage Inc. had correctly calculated my closing costs and future monthly payments.

CrossCountry Mortgage Inc. then sold my mortgage to XXXX Bank. In XXXX, XXXX informed me there was a shortfall on my escrow account of around {$7500.00}, as the bank had paid the summer taxes, which should have been included in my closing costs. 

I approached CrossCountry Mortgage Inc. and the title company involved, XXXX XXXX XXXX ( based in XXXX XXXX, Michigan ) about this issue. XXXX XXXX XXXX responded by admitting there had been an error, saying that my closing costs should have included {$8000.00} in summer property taxes and that amount should have been disclosed to me. 

XXXX XXXX XXXX admitted their part in the error, adding that it was the responsibility of CrossCountry Mortgage Inc. to correctly calculate how much money I owed in closing costs. For their part in the error, XXXX XXXX XXXX refunded me the fee of {$570.00} that I paid them at closing. 

CrossCountry Mortgage Inc. has yet to acknowledge error in this matter. But it is quite clear that if it is the mortgage provider 's responsibility to accurately calculate my closing costs, they failed to do so. This is gross negligence on their part. I am now due to pay XXXX an unexpected amount of {$7500.00} because of CrossCountry Mortgage Inc. 's gross negligence in this matter.

Again, I planned my own expenditures based on faith in CrossCountry Mortgage Inc. 's ability to do the job it is licensed and regulated at the state and federal level to do. I am attaching emails from XXXX XXXX XXXX, with representatives of CrossCountry Mortgage Inc. copied, addressing this matter.
Consumer complaint received 2018-09-23
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: SYNCHRONY FINANCIAL (CA)

XXXX  XXXX keeps reporting that i had an account with them even tho its paid { not be me } i filed a fraud alert in XX/XX/2014 about someone using my personal information also the IRS contacted me stating that someone was using my information so i receive a pin number every year this account is not mine and i want it removed refer to case XXXX were they responded and you then closed the case they can not show any documentation its my account because it is not i have been fighting this for about 6 months now please remove it remove my credit report under section 611 and section 623 it has damaged my life and hurt my family i even had a car wreck thing about this im getting so up set with this my only recourse will to be filling a law suit in which the attny gen of calif refered me to do so thats not what i want just remove the account from my credit report
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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 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 2018-09-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (OH)

I paid my speedycash loan with XXXX XXXX XXXX, which I have the receipt. I got a letter in the mail that have taken over the acct from Ad Adstra Recovery Services. Ad Adstra is the company reporting to the credit bureaus about this and XXXX XXXX XXXX says they should not even have this XXXX acct. As result, Ad Adstra is extremely rude to me and wont except that I have paid with XXXX XXXX XXXX and want me to pay again.
Consumer complaint received 2018-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft. I tried to negotiate this matter with XXXX XXXX and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties in XX/XX/2017 however still harassed by XXXX XXXX legal team to make payments months later although payments was made in full in XX/XX/2017. XXXX XXXX is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that XXXX XXXX absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies. just trying in the best way to get my financial life in order again. this is not a duplicate there are 2 accounts visa and master card same situation.
Consumer complaint received 2018-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft. I tried to negotiate this matter with XXXX XXXX and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties. in XXXX of 2017 however still harassed by XXXX XXXX legal team to make payments months later although payments was made in full in XXXX 2017. XXXX   XXXX is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that XXXX XXXX absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies