davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX - I went into Citibank to open a checking and savings account with the offer to Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and within 30 days deposit {$15000.00} into the savings or checking account and maintain this balance in the account for 60 days. 
XX/XX/XXXX - I set up my inter institution transfer to transfer {$15000.00} XX/XX/XXXX - recommended Citibank to a friend and friend successfully opened account using my referral number XX/XX/XXXX - Returned to CitiBank realizing I did not yet receive {$400.00} offer. Banker stated that it was because my checking account was closed and I did not have sufficient funds. However, I was not advised by first banker in XXXX regarding amount that had to remain in checking. I was only told that I needed to deposit {$15000.00} into my savings. Banker then stated she could help me open a new checking to get the offer. 
XX/XX/XXXX - Received email from Citibank stating " Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$400.00} Checking Offer ( " Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offer 's required activities for the following reason : Your checking account is closed and therefore not eligible for the offer '' XX/XX/XXXX - Returned to CitiBank regarding complaints, and banker ( that helped open second account ) advised to file dispute. I requested to close account so I can transfer my money to another bank, but banker kept advising to file dispute and wait again. 
XX/XX/XXXX - Have not yet received any communication regarding status
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, I received an alert from XXXX stating for me to check my credit because a change had took place. The change was on XX/XX/XXXX Synchrony Financial had closed the credit card account. I haven't been late, I haven't been charging anything on this card just paying monthly as agreed. With this Company closing this account for no reason other than being cruel is going to negatively effect my credit report. And I still owe a balance on this account and I have until XXXX to pay the entire amount I owe .On XX/XX/XXXX I telephoned Customer Service of this company and all I was told that I would be receiving a letter in the mail. My point is why would this company close an account and put this information on my credit report I am not a risk to this company I have been paying properly. But I have read many reviews on many different sites about this company and many people are receiving the same behavior/treatment as I. I need to know why is this company purposely destroying consumers credit?
Consumer complaint received 2019-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (WA)

I broke a lease that only had 1 month left because i could no longer afford it. I had arranged it all with the leasing office and left the apartment in great condition. After i noticed that i had a collection for XXXX on my credit report i asked them to send me what it was for and they haven't. There is no way that i should owe XXXX. They are trying to gauge me.
Consumer complaint received 2019-02-15
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. (MD)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX, XXXX,
Consumer complaint received 2019-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2019 I attempted to withdrawal {$800.00} from the ATM at my regular bank, XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. The ATM disbursed {$780.00} leaving {$20.00} unaccounted for. The receipt shows a total withdrawal ( including fees ) of {$800.00}. The record number at the ATM is : XXXX. I was not aware that the maximum withdrawal is suggested at {$400.00} until after this transaction. I believe the additional {$20.00} may have gotten stuck inside as the door closed before I could make sure all of the cash was out.
Consumer complaint received 2019-02-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION (TX)

CFPB, I have been the victim of Identity Theft, someone opened a payday loan account with Check N Go with my information. I have escalated this to FTD and the DOJ. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/2010. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the financial institution must immediately place a dispute code on its subscribing credit bureau reports Please also confirm : Ownership of account Outstanding balance reported Disclosures Contract And any other necessary information.
Consumer complaint received 2018-08-18
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: Experian Information Solutions Inc. (OH)

I have disputed information on my consumer reports with all three CRAs and each has ignored my complaint about incorrect accounts and identity theft where a collection company has used a fraudulent social security number to link an account to me. I have tried repeatedly getting this corrected with the credit bureaus to no avail. I am here to ensure my complaint is accurately processed as it should have been the first time. Having exhausted all my resources and no longer able to dispute these accounts with the CRAs Ive since obtained help from the FTC to file and Identify Theft Report.
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (MA)

Thank you for taking the time to hear our concerns. This is in regards to an elderly gentleman who has nothing. He is trying to sell his house and has NO equity, yet the servicer will not review him for any type of workout. We are having an issue with the Servicer of this mortgage. This house was listed prior to us coming into the picture and no offers were presented. It is a short sale. The list price of XXXX was far too high for the amount of work needed, but we came in to work with this gentleman, sent in a new listing agent and got an offer. We sent in the offer on XX/XX/2018. On XX/XX/XXXX, we were informed that the Investor was countering the Buyer at the amount of {$710000.00} which is the remaining balance of the loan. We sent SN Servicing Corporation several documents from the Listing Agent who included a letter explaining factors affecting the value of the property. We also sent them a copy of the MLS Sheet that detailed the listing history of the house. The house was initially listed at {$670000.00} with another Listing Agent earlier this year. It was on the market for 60 days and garnered NO OFFERS. Bare in mind that the first list price of {$670000.00} is less than the {$710000.00} counter and value that SN Servicing is insisting that the property is worth. 

The current Listing agent, XXXX XXXX, re-listed the house at {$270000.00} and even then, only one serious offer was garnered out of the house being on the market. 

SN Servicing corp wants the full value of the loan. Mr. XXXX does not have this money. He was not even given any options for loss mitigation. He has tried to work with SN Servicing for quite some time and they continue to just say no, that they want the full amount of the loan for the short sale and hell never get that.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hi! I usually use XXXX XXXX with my BOA debit card. After having this account for years, Ive only ordered XXXX 2-3 new bank cards when they were lost. This time I wasnt aware of this card being lost. Until I noticed an unusual transaction on my card and Ive had this bank and only this bank for the longest, and this would be the FIRST time Ive been a victim of fraud. I called & reported this and was told to open a new account and order a new card.. which I did. But now Im unable to even open an account although I was not at fault. I love this bank and never had any issues with them until NOW! I am beyond angry because I am being punished for someone elses doing and I was not aware until late notice. So now I have to start over with a NEW bank and resubmit all of my information to each and every one of my jobs I am truly saddened that they have to lose a costumer due to the lack of empathy.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I paid my XXXX 'XXXX account in full, however, XXXX 'XXXX   reported that I paid in settlement. I contacted to XXXX 'XXXX who then sent me a paid in full letter. Yet, the 3 credit reporting agencies will not update this information on my account. I have included both paid in full letters to this complaint.
Consumer complaint received 2024-09-02
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. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ceannate (IN)

My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted to XXXX XXXX XXXX via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have  made and XXXX XXXX XXXX./Department of Education has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX./Department of Education has neglected to  provide this accurate information to all three ( 3 ) credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three ( 3 ) credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment XXXX XX/XX/XXXX Payment Card Submitted on XXXX website XXXX XX/XX/XXXX Payment Card Submitted on XXXX website XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX
Consumer complaint received 2019-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 a withdrawal of {$600.00} was made to my checking account. The withdrawal happened at the Chase bank at XXXX XXXX XXXX XXXX, XXXX, CA. According to the Chase representative, that withdrawal happened around XXXX XXXX that day. I was notified of this while I was with my brother in XXXX. He and I have a joint bank account. I made a claim with Chase letting them know I was not even in XXXX at the time and that I did in fact have my card with me. I cancelled my card in that same call I made for the claim. I was there with my brother for a convention and just spent the rest of the day there until almost midnight since the morning. So they finally contact me again about the claim asking me the same questions they did when I first made the claim. I can't remember every question nor the exact wording but it was along the lines of this. How much was the disputed amount? Did I have the card with me? Did I authorize anyone else to use the card? And I answered it the same. It was for {$600.00}, I did have the card with me, and I did not authorize anyone else to use the card. Next time I hear about the claim all it was was a letter saying that {$600.00} ATM withdrawal on XX/XX/XXXX was authorized and the claim has been closed. So I called them to ask what can be done. They told me to submit documents proving I was there. I submitted the two tickets my brother and I bought, the schedule for convention, and the bank statement that showed the account was charged at a XXXX XXXX in XXXX. I submitted these to reopen the claim and then received the same letter saying the claim was closed as the transaction was authorized. From all the documents I submitted not one had my name on it, only my brother 's name and his card being used not mine. My E-mail was used for the receipt of the two tickets but that was not good enough for their investigation to prove I was there. Now they say the claim will remain closed unless I can submit new documents or information proving I was there or file a police report so they can review the footage of that transaction at the bank. I attached a picture showing a scheduled dance for XXXX the event I was in XXXX for. As well as a video of the dance itself. Another example that I was there.
Consumer complaint received 2019-02-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANKUNITED, NATIONAL ASSOCIATION (UT)

We experienced water damage at our home that was covered by insurance. We filed a claim with our insurance company and were paid on the claim. As per the routine process, we submitted the claim check to BankUnited to be held pending the completion of the work. We hired a licensed contractor to complete the work and the work was performed the summer of XXXX. 

Mid way through the project, we requested payment for our contractor. We provided evidence that work had been performed, including conditional lien releases. Despite confirming BankUnited had all the necessary documentation and repeated follow ups, BankUnited did not send payment in a timely manner. We followed up on the payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. A check was finally sent to us in mid XXXX. 

Work was completed in the end of XXXX and we requested the final payment to our contractor. BankUnited performed an inspection of our property to confirm the work was completed. We also submitted all the necessary documentation to evidence that the work had been performed by the contractor, including conditional lien releases. 

We did not receive a check for our contractor in a timely manner. As a result, to prevent a lien from being placed on our home, we personally paid the contractor. After making the payment to our contractor, we contacted BankUnited to have the funds disbursed to us. BankUnited asked for documentation evidencing that the payment had been made. BankUnited also contacted our contractor to confirm payment had been made and he confirmed the same. In response to BankUnited 's request, we provided the evidence of final payment in XXXX. BankUnited didn't release the funds in a timely manner. 

Thereafter, we followed up repeatedly from XX/XX/XXXX - XX/XX/XXXX. We left dozens of messages with BankUnited 's insurance department ( specifically, XXXX XXXX XXXX ) and never received a call back. We also resubmitted evidence of the final payment on several occasions, including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. BankUnited has yet to release the funds ( totaling over {$17000.00} ). On my last call to BankUnited I was told that servicing for our loan had been transferred to XXXX XXXX XXXX effective XX/XX/XXXX and that I would need to deal with XXXX on the issue. 

I am confident that BankUnited has been earning interest on my money over the period. Certainly, for this reason, the delays are in BankUnited 's favor - probably a systemic problem for the bank 's benefit. This company should not be allowed to service loans.
Consumer complaint received 2018-12-17
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: Experian Information Solutions Inc. (GA)

On XX/XX/2018 I sent a letter to XXXX and Experian notifying them about several unauthorized credit inquiries on my credit report and requested they remove all of them. XXXX received the letter on XX/XX/2018and Experian received the letter on XX/XX/2018 according to the green certified return receipt card. As of today, XX/XX/2018 XXXX  and Experian have failed to respond witha written letter norhave they deleted the unauthorized credit inquiries which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc (WA)

On XX/XX/XXXX I sent a debt validation letter to PlusFour Inc. as they showed on my credit report for {$450.00} and {$430.00}. They rejected my attempt to deliver the letter. I sent a follow up email regarding debt on XX/XX/XXXX. Still no verification of debt. I have never once received a statement or acknowledgement that this exists. Would like both trade lines deleted from my record immediately.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I pulled my credit report on XX/XX/19, upon review I was informed that there is an account with XXXX XXXX XXXX under account # XXXX that is being reported incorrectly on all three credit bureau files. I sent XXXX XXXX XXXX a request to produce documents proving that this was in fact my account. An individual by the name of XXXX XXXX signed for the certified letter on XX/XX/19. I still have received no response from XXXX XXXX XXXX as of today. I followed up by sending a request to all three credit bureaus on XX/XX/19 to have this item removed, as it is being falsely reported in violation of Section 609 of the FCRA. They refuse to remove it, even after being informed that it is being reported inaccurately and falsely. I will be attaching copies of all of my correspondence with both XXXX XXXX XXXX and the credit bureaus.
Consumer complaint received 2019-02-14
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. (GA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I'm XXXX years old and a XXXX XXXX Veteran. 
In 2012 I was contacted by Wells Fargo to apply for a lower interest rate.I was also contacted by XXXX for a mortgage reduction on another property. I was approved for both AT considerable cost. I recently received a letter from WF about a rate increase coming next month. I contacted them about the increase and they said I signed paperwork to a 7 year arm which will adjust every year thereafter. I WAS NEVER TOLD this was an adjustable rate that they were giving me, I assumed it would be like the XXXX mortgage adjustment which did not cheat me into a adjustable rate. 
WF pretty much told me tough, since I signed papers at closing that showed a rate adjustment in 7 years. I trusted the bank. At closing, it was quickly done by the way, going through a sign here initial here process. Many many pages of documents.

My issue is, WF at no time during their letters and conversations prior to signing, asking me to to accept a lower mortgage rate, they never, ever mentioned it was adjustable. 
Knowing now their past reputation I bring this up. Probably others have this problem.