davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (IL)

I started an account with XXXX for a cell phone. Even after i paid the bill and my son transferred the account to his name, they still tried to come after me for almost {$720.00} dollars. Now they have sent the account to collections and a debt collector is coming after me for this debt I do not owe.
Consumer complaint received 2024-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have tried to dispute this issue with the credit reporting company but they will not answer the phone when I call. I can not go to them directly because I live in XXXX TX and they are in XXXX XXXX, TX ( I 've never lived there ). This account/apartment is for my son who is attending college in XXXX, TX. I applied to be his guarantor but was denied. When he was asked to vacate, the complex listed this as an individual account on my credit report and not to the person who was/is responsible for the debt. I do not have a copy of the denial because it was never sent to me, I was just told I was denied over the phone with XXXX of the leasing agents
Consumer complaint received 2017-01-11
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I bank with Chase. I have been told by several Chase reps that users of their debit cards are protected from unauthorized and fraudulent transactions. Indeed, their website says the same and directs users to their XXXX Account XXXX for details. However, this is what the XX/XX/2016 XXXX actually says ( XXXX ) : I. NOTICE OF YOUR RIGHTS AND LIABILITIES For personal accounts only : Tell us AT ONCE if you believe your card, PIN or code has been lost or stolen. Calling us is the best and fastest way of keeping your possible losses to a minimum. 
If you tell us within XXXX business days, you can lose no more than {$50.00} if someone used your card, PIN or code without your permission. If you do NOT tell us within XXXX business days after you learn of the loss or theft of your card, PIN or code and we can prove we could have stopped unauthorized transactions if you had told us, you could lose as much as {$500.00}. If your statement shows electronic funds transfers that you did not make, tell us right away. If you do not tell us within XXXX days after the statement was sent or otherwise made available to you, you XXXX not get back any money you lost after the XXXX days if we can prove that we could have prevented the transactions if you had told us in time. 

https : //apply.chase.com/oao/DisclosureRetriever.aspx? XXXX There is a " Special Provision '' below that indicating consumer is n't liable, but this raises the question, why the XXXX, {$50.00} or {$500.00} liability language has n't been removed as these sections are contradictory..
Consumer complaint received 2024-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I paid off my Care Credit account with Synchrony bank in early XXXX XXXX  via phone. The agent said it was a total pay off amount. The next month I received a bill stating no new charges rather but credits, fees, and adjustments charge. I called and spoke to a representative and they told me that the billing cycle hadnt gone all the way through and there was remaining charges. So I paid it. The next month the same thing, more fees. Eventually I closed the account and somehow it still is racking up fees every month! I even paid extra and somehow the fees were more! Its now XX/XX/year> and XXXX cant end this account.
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

I was talked into overbearing my student loans because of being laid off and now my student loan balance has doubled..and on top if that since XXXX changed to Navient my monthly payments have doubled ... i need to get a payment lower so that I can get back in track but not help is being offered but to forebear my loans again and at that rate I will never pay my loans off.
Consumer complaint received 2017-01-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Express Aviation (TX)

I am a former XXXX XXXX XXXX student. I applied for a private loan with ASFG, who uses XXXX XXXX. I made XXXX payment of XXXX in XXXX of 2016. The school closed down with out notice to any of the students. I have been in contact with stating to get the money from XXXX XXXX. Also have been getting statements and a letter of default on my loan. There are the ones who are breach of contract, for shutting their doors. I would like my loan to become a zero balance. My account number is XXXX
Consumer complaint received 2024-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

Please see complaint XXXX. This was closed without a satisfactory resolution. It was closed simply upon USAA 's response not a resolution. 

XX/XX/XXXX I opened a credit card with USAA with a promotional offer of no fees if balance transfer or cash advance into a USAA bank account. I did that and incurred a {$9.00} fee. on XX/XX/XXXX I contacted USAA customer service about the fee. I was told to repay the amount which I did and they removed the fee. I was then told that I had to use XXXX XXXX XXXX checks deposit via the XXXX XXXX to avoid the fee. The representative then mailed me the checks as I did not have them. On XX/XX/XXXX, I incurred a {$150.00} fee for using paper checks. I then contacted USAA via their chat service and requested a call. I was called back and told that the fee could not be waived. I requested a XXXX to call me and none did. I called back on XX/XX/XXXX, spoke to XXXX different representatives that told me they would not reverse the fee despite acknowledging they told me that was how to avoid the fee. They then submitted ticket XXXX for investigation and temporarily reversed the fee only to recharge the fee on XX/XX/XXXX.
Consumer complaint received 2024-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

We were informed of a tax increase earlier this year. I called right away and submitted the new tax bill to Lakeview Loan Service who services our mortgage. I was informed by the customer service representative that Lakeview would take the document and open an escrow analysis right away and adjust our mortgage to reflect that. Recently I received our annual escrow analysis, and it showed a negative estimate of {$3000.00} in the account. Lakeview never performed an escrow analysis like they had told me they would, and now have raised our mortgage by over {$500.00} to account for their mistake. I have all the information needed and that they requested from me, and they still failed to complete the proper steps. Our mortgage should have only increased by approximately {$200.00}, and our escrow account should be even.
Consumer complaint received 2024-11-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc (NC)

This is the THIRD month and the THIRD letter that I have written. Ive written on both [ XX/XX/year> ] and [ XX/XX/year> ] but you have either blatantly disregarded my requests to investigate & remove the below inaccuracies OR you have simply been unable to verify them. I am well aware that, based on the FCRA, you must complete any request for reinvestigation within a XXXX calendar day time frame and yet, its been well beyond that! So as a result, and in accordance with the Fair Credit Reporting Act, you must now remove these accounts from my credit report. Amount {$2500.00}
Consumer complaint received 2024-10-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

AFTER REVIEWING MY CREDIT I HAVE NOTICE A COLLECTION ACCOUNT POP ON MY CREDIT. THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). IF YOU DO NOT CEASE COMMUNICATION A LAWSUIT WILL BE COMMENCED AGAINST YOU. THE COLLECTION- ( XXXX XXXX XXXX XXXX ) XXXX DELETE FROM TRANSUNION, XXXX AND XXXX
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

Before opening the accounts I contacted Wells Fargo customer service. 
ALL customer service representatives stated a banker in the branch has XXXXe ultimate knowledge to interpret the terms and conditions. 
To properly interpret the clause : You have received a bonus for opening a Wells Fargo XXXX Checking account within the past 12 months. 
On XX/XX/year>, at XXXX PST I spoke to XXXX XXXX XXXX a banker at the local branch located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She stated - clearly and unambiguously that it means the 12 months period begins from the date of the previous account opening. 
Wells Fargo representatives NEVER addressed this fact. 
I certify I am telling the truth and only the truth.
Consumer complaint received 2016-11-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Hello, On XXXX XXXX, 2016 I opened up a CitiGold checking account after I had received an offer of XXXX TYPs after opening, funding, and using their Bill Pay service. As of XXXX/XXXX/2016, Citi Bank has closed my account without notification and whilst holding funds of {$30.00} in which they are currently refusing to return to me. 
I asked that Citibank re-open my account and honor the original sign-up agreement via their chat portal on XXXX/XXXX/2016 where they declined my request ( see attachment ). In that conversation, I notified them that my account had {$30.00} in it as of XXXX/XXXX/2016, and yet as of XXXX/XXXX/2016, my balance was missing and my account closed. They stated the monthly account charge took my last {$30.00} and they closed the account immediately after that. My monthly service fee was also due on XXXX/XXXX/2016 since the previous fee was paid out on XXXX/XXXX/2016, meaning they collected the service fee earlier than scheduled in order to close my account by XXXX. 
Furthermore, Citibank stated they closed my account due to inactivity, but that is far from the truth. I 've made at least XXXX transaction each month since opening. Either it be bill payments or payment of the monthly fee to keep the account open until my other assets were ready to be transferred over from an outside brokerage. 
If I am paying the monthly fee to use the account, how can they collect that fee and then close my account immediately? 
Why would they do it days before they were required to pay out the XXXX XXXX points per the agreement when I opened the account? 
I have attached what is still available to me on Citi 's website, but I do n't have access to recent history nor old customer service messages since they closed my account. 
Please assist me. 
Thank you, -XXXX
Consumer complaint received 2016-05-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDFIRST BANK (MD)

My loan was originally serviced by XXXX XXXX. Midland Mortgage purchased the loan more than a year ago from XXXX XXXX. 

When the loan was sold, I was in a repayment program with XXXX and never informed of any change until I called in to make a payment. Once I received noticed the loan had been sold I had to go through the series of steps needed to begin an agreement with Midland. This was a nightmare just as dealing with XXXX was. Despite the difficulties, I provided all information needed and was approved for a new repayment program. It should be noted that over the course of both repayment plans I have lost thousands in fees. 

I completed the program successfully and months later received notice that my payment would be increasing from $ XXXX/mo. to $ XXXX+/mo. due to XXXX not adjusting the escrow. At the present time, the monthly payment requested is around $ XXXX+/mo. I ca n't afford that nor am I responsible for having to pay an increase to the owed amount. 

The escrow had to be adjusted since it was no longer a primary residence. I was n't aware of this until much research and agony discussing with Midland. Despite XXXX being the main culprit, I had to submit an application to Midland for my repayment program that one of the questions asked if the residence was tenant occupied and not my primary residence to which I clearly answered " Tenant Occupied ''. Midland provided me with an agreement ( a legally binding contract ) that I agreed to after reviewing my application. I completed it. Now Midland wants nearly {$10000.00} of additional escrow money. 

This is money that was owed ( unknown to me ) before Midland purchased the loan. Midland did n't do their due diligence and now want me to pay for their ( and XXXX 's ) negligence. 

I do n't see how I should be on the hook for something that I had no idea i was responsible for. I am not a mortgage company. I am a consumer. I pay what is requested. I only became late after losing my job and worked extremely hard and very responsibly for several years to keep this house while I could have foreclosed and added to the housing markets troubled volatility. 

I never made a payment late to Midland since they purchased the loan until now. I refuse to pay them as this seems fraudulent, corrupt and completely disrespectful and unethical in regard to the repayment program Midland agreed to. 

I am seeking my monthly payment be returned to its prior amount and once I make my next payment, having the missed months put back into the loan along with no negative remarks on my credit.
Consumer complaint received 2015-05-26
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (IN)

I have a SEARS credit card account with just the SEARS credit card. I keep receiving letters forcing me to call and state i do not want my sears cards automatically updated to a XXXX. 
Twice now I have made this contact and still are receiving the letters. I just received the XXXX XXXX and called again. 
This letter starts out with ( We will be sending you ) there is n't any choice if I do n't call them and they are going to change my credit card because if I do not call that is a confirmation that I want it?????? This is a breach on contract because they are trying to change the terms of my account without approval almost to the point of extortion, because if I do n't react they are forcefully change my card to a XXXX resulting in financial gains to their corporation.
Consumer complaint received 2017-01-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (VA)

I have attached a complete description of my problem with BB & T. Although this issue has finally been resolved ( after 3 months ), I am sending this to point out that we should not have been put through this strictly because of incompetence and lack of interest on the part of BB & T personnel. Why did I have to deal with the XXXX department and XXXX separate bank branches in order to finally find XXXX person who cared and was willing to help? It was a very poor customer experience. I wonder how many other fraud victims at BB & T go through similar experiences? Was our experience the norm, where the bank is trying to avoid fraud costs or was this situation an anomaly? I doubt that.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CO)

I divorced XXXX XXXX XXXX XX/XX/year>. He was granted the residence at XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, AZ XXXX, and I quit claimed title to him. 
XXXX took an option to have deferred payments during COVID which made the loan go into default. 
He claims to now be current with the mortgage. 
I am upset because it continually drags MY credit score down. 
I have remarried and have Stellar credit for the past 22 years.
Consumer complaint received 2017-01-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (IL)

Open account with PNC Bank, since beginning have trouble with them, let it go as an error but it did escalate until week of XXXX XXXX, when have to request them to close the account, payments that went okay, were returned with no apparent readon when account was positive. Still dealing with fallout, any help, appreciated it. Sincerely, XXXX XXXX. Thanks.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NM)

I am contacting your agency in hopes you can help me with some charges on my Chase Mastercard. I would like to dispute all charges made by XXXX. I was contacted by an individual who said that he found out that I had purchased an XXXX Affiliate membership and that unless I had an unique Web Site and a way to bring me a lot of traffic ( visits ) to it, that I would never make any money. He said that he could do all of that for a fee. We discussed several options and decided that his {$12000.00} package would work best for me. So I used credit cards to pay his company that much. All the financial transactions were done by his assistant. A few days later another individual called and said that unless I had a back office and a lot of training that I would n't make any money. We discussed several options and decided that the {$7000.00} package would do the job. The same " assistant '' called and helped me charge that amount on my credit cards. She gave me directions on how to access the training modulas, my back office and helped me create and post some blogs. These things were supposed to teach me how to keep traffic increasing and keep it coming to my site. I worked pretty steady for a couple of months. Then both my wife and I had some health problems and I was n't able to spend much time on it. It was supposed to keep running without much attention, but I never saw any sales and the traffic did n't even increase. Then my wife was hospitalized four times and was sent to several specialists and went through a lot of tests. She still has XXXX more XXXX test to see if she is strong enough to undergo XXXX. Regardless when they sold me they said they would do the work and in result I would start making sales. I did not make any money. I was left with a non functional business and a large debt since I paid to this company a total of {$19000.00} and they never showed any results of the work they have done. I tried to resolve directly with them and get my refund but they ignored my requests. They did not provide the services as promised.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (AR)

{$220.00} if late fees on {$4.00}, on an account that XXXX removed this {$4.00} but Truist never did.and charged late fees after I closed account. I had {$4.00} and possible {$22.00} in late fees before I closed my account because Truist did not undertstand how XXXX could remove these amounts. 
Credit Agency 's says Truist will not remove. Should I pay this and file small claims lawsuit?