davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

I called customer service at XXXX at the number of XXXX on the phone with the Rep asking for the number of a cell benefits insurance. On the phone for XXXX mins XXXX sec The rep did n't know of the benefit and transferred me to another rep. The other Rep did n't know anything I ended the call and Tried The phone number of XXXX. The Rep XXXX tried to verify my account Verify about my name, my address, a car loan, how much I was paying for this. Then asking me for my password on the account. The Rep before was able to verify that password the first time I called. XXXX said my password did n't match and could not help. He transfer me to XXXX who was a SUP. Asked all the Same questions then told me she could n't verify the account as well. Then Then transferred me to a manager XXXX XXXX also told me she could n't help. XXXX started fighting with me that she could not help. She kept pulling me on hold for long times of XXXX mins. Then hung up on me. I was on the phone for XXXX and XXXX XXXX. I then called back at XXXX I talked to XXXX in FL she told me she was able to verify my account and change the password. I told her I wanted to be compensate for the bad customer service after being on the phone with her and her talking to her manager after verifying my account and changing the password on it. The manager XXXX told me she was not able to verify and would not help me. after being on the phone again for XXXX mins. 
Desired OutcomeI would like to be compensated for the XXXX mins of wasted time. How customer service tried me.
Consumer complaint received 2018-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (VA)

I received a call from ( XXXX ) XXXX who said they were XXXX XXXX XXXX from an IL number. They told me my name, an old address, my social, and date of birth. After speaking with 3 different people, the last person, XXXX XXXX, informed me that I had opened a Chase Bank Visa in XXXX and it was closed in XXXX due to non payment. Chase supposedly made every attempt to contact me then had it on my credit for 7 years until it was removed then they sent it over to XXXX. Never have I had an account with Chase nor have I ever seen this on my credit. I am worried that I have confirmed all of my personal information for whatever their intentions are and I will not be scammed into paying something fake. Please note I would have only been XXXX in XXXX. 

Collection for : Chase Bank Date of Call : XX/XX/XXXX Debt : {$4500.00}
Consumer complaint received 2018-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miller, Stark, Klein and Associates (TX)

I received block call unknown name & number asked To call XXXX Where a recorded voice states " WE have tried to contract several times and WE have recived several complaints in our office " call XXXX. Upon calling I asked for paper work. was told to do the work myself and I would be sued
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (MA)

A branch specialist at Citibank made an unauthorized teller withdrawal on my checking and savings account. I filed a fraud claim with Citibank, but they denied it due to a lack of evidence and said the decision can not be appealed. They also can not further investigate the matter because the branch in question is now permanently closed. If Citibank would pull up the security footage of the incident, it would clearly show that I was n't present for any teller withdrawal and did n't withdraw any money. What other options do I have to recover my money?
Consumer complaint received 2016-06-29
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION (MD)

My complaint is mainly against M & T Bank 's Loan Officer XXXX XXXX and the team he utilized to work on my home mortgage loan. In Exhibit A, the bulk of my complaint/concerns are outlined in chronological order. To date ( XX/XX/XXXX ), I have not received an apology nor an explanation or answers as to why everything fell apart at the end and why the cost of their neglect fell on me. 

M & T violated the three-day closing rule : if the final CD is changed then closing has to be pushed back three days. M & T issued a final CD on XXXX/XXXX/XXXX with closing of {$1300.00} for settlement date of XXXX/XXXX/XXXX, then changed the dollar amount the morning of XX/XX/XXXX when they noticed that they missed the processing fee ( initially {$700.00} then revise the morning of closing to {$310.00} ) for XXXX and added it ( which meant settlement [ per regulation ] should have been rescheduled for XX/XX/XXXX to give the three day change ). The contract extension ended on XXXX/XXXX/XXXX and a new extension had not been sign ( nor was possible to get signed and on the books to push closing back again ; the home was still at risk for foreclosure and an extension would have meant starting the entire process all over again with the short sale approval from the seller 's bank ). It 's inexcusable and neglectful that the M & T loan officers/underwriters were not paying attention and doing their jobs which led to missing the processing fee and then trying to tack it on at the last minute. M & T needs to assume responsibility of the XXXX processing fee and reimburse the full amount that they neglected to add when it was first noted on the XXXX/XXXX/XXXX CD from XXXX. 
( The full complaint will be attached in a PDF. )
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

I paid the law firm of XXXX Over {$4000.00} to represent me with my Lender Seterus for a Loan Modification this started in XX/XX/XXXX. For the last 3-4 months there has very little if any communication I have not received any written info It has all been verbal with promises that we will call you back which does not happen ..I then read that this company is a fraud .Seterus will not talk to me as they say you have a attorney
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Modification that has gone XXXX for over XXXX months. Several conference calls with the XXXX ( VP ) ph XXXX : XXXXXXXXXXXX incorrect. Per conference calls with borrower and VP, he would insure the escrow was calulated correctly ( admitting fault ) and Perm Mod ( documents just received today by borrower ) for her signature is MORE than the amount discussed. The issue primarily with all modifications is the lender is hold the money in a que, charging a fee to call in to make payment ( can not make payments online during a modification ). The statements the borrowers receive shows no payments - foreclosure department is not notified or " In sync '' and many people I know were foreclosed in the middle of making ONTIME mod payments. 
This needs to be escalated because the borrower was promised the re-calulation by the VP and still wrong. Now the borrower does not know what to do.. she could not afford the payment to begin with and that is why she applied for a modification - but if escrow ( insurance THE LENDER CHOSES ) is high and the borrower finds another policy that is less expensive, why should the borrower be penalized? The perm mod documents are near the same as her ORGINAL mortgage payment. Makes NO SENSE. Needs investigated please.
Consumer complaint received 2015-12-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (AK)

This was charged off in 1997, it keeps getting bought again and this starts ... it was originally a truck repossesed from me and not for late payments. I was repossesed because they said I might move back to alaska. They would not let me even get my wallet or anything. Even so this should be long gone it is XXXX years old. This is atleast the XXXX outfit to try this ... this was an original shady deal, i owed under XXXX and was making my payments. I had XXXX small kids at the time and have after talking to original lender, decided not to ever pay it. By the same token they cant call all the rest of my life ... 7 years .... that has come and gone!
Consumer complaint received 2016-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (OH)

I have a had a negative posting on my credit report by a collection company named XXXX. I never received any letters from this company or other form of communication about having an unpaid debt.On XXXX XXXX XXXX I have disputed the information with all XXXX Credit Bureaus and all XXXX deleted this account from my credit file including Equifax. A few days ago I 've got a credit alert that I have a negative account on my XXXX credit file.I looked at my credit report and it was showing that I 'm 90 days late on a collection account with XXXX but I never had any letter from XXXX and I had no arrangement to pay an account I did n't know about.XXXX deleted the account promptly form my credit file, 2 days later I 've got an alert again that a negative posting was on my Equifax credit file.I looked on my credit report and the same collection agency using the name XXXX XXXX that does n't even exist has posted the same negative account this time without saying that I 'm late they just used a different name to have the same account placed on Equifax credit XXXX have disputed that account with Equifax and after 2 weeks they said the account previously deleted by Equifax was OK to be posted on my account.The original dispute case was XXXX and it is is where Equifax removed this account form my credit file, the new case XXXX is the dispute where they posted again in XXXX XXXX the account previously deleted and now being " accurate '' .I am trying to get a mortgage and worked hard to have my credit score up and I can not afford for a Credit Reporting Agency to play with my credit. Equifax did not verify this account correctly and had it posted under a name of a company that does not exist just to have a negative mark on my credit.I can not access the case # XXXX dispute file because it is visible for only 30 days but I will attach the recent case # XXXX dispute file that is recent. 
Sincerely XXXX XXXX
Consumer complaint received 2015-10-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: U.S. Auto Credit Corporation (FL)

I financed a car XX/XX/XXXX from XXXX XXXX XXXX, a sub-prime lender. We financed about $ XXXX at a very high interest rate ( 16 % ). We paid on the car until we only owed {$1700.00} in principal. Then my wife had to stop working because she had a baby. We asked for the company to work with us and wait 2 months for payment because we were so close to being finished paying, but they would not and they repossessed the vehicle in XX/XX/XXXX or XX/XX/XXXX ( I can not remember exactly but it was right around XX/XX/XXXX ). They charged off the remaining {$1700.00} In XXXX XXXX. Now, they are reporting new late payments in XX/XX/XXXX and XX/XX/XXXX which is hurting my credit and is not allowed on charged off debts.
Consumer complaint received 2016-03-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (VA)

On XXXX XXXX, XXXX I received a letter from Macy 's credit card saying that I had a past due bill. I always make on-time payments and so was surprised to get this notice. I had not received a bill from them. I have always received e-bills in the past and have not changed my email address. I followed the usual procedure that I have in the past to access bills online but was unable to access a bill. 

On XXXX XXXX, XXXX I called the number on the letter and was told I owed {$300.00} for charges made on XXXX XXXX, XXXX. This included {$160.00} in charges for merchandise purchased and the remainder in late fees and interest charges. I paid the {$160.00} immediately and asked that the late fees and interest be refunded since I had not received a bill for the {$160.00} in charges or instructions for how to make a payment. I was told that they could refund {$74.00} in late fees now but that I would have to call back in 3-5 days to have the additional {$64.00} in late fees and {$7.00} in interest refunded. I will do so but have a number of concerns : 1. It was never explained to me why I did n't receive a bill when I have received e-bills in the past, and as I said above, I have not changed my email address. I 'm concerned that other people may be similarly affected by this. 
2. I 'm concerned that there may be negative information listed on my credit report as a result of this incident and would like to be assured that all negative information will be removed since I should not be held responsible for any late payments because I never received a bill. 
3. I also want to be assured that all fees and interest will be refunded to me.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (MO)

I am a current client of CITIMORTGAGE CO. and I have been trying to refinance my mortgage with them since XXXX 2016. It is now XXXX XXXX of 2016. I am trying to go from a 7 year arm into a 15 year fixed Loan. I have been with CITI for over 10 years and I have NEVER missed a payment. I have an excellent credit score also. Around XXXX. They keep telling me my amount needed close is going up and I need to verify funds. I have done this once already and now they are needing to verify funds AGAIN. It takes them days to get back to me and never follow through with showing me in writing what the figures are. My rate was quoted 3.25 % and current rates are XXXX and my locked rate has since expired. I was told that this would be very easy to do, since I am staying with them and that the cost would not be very much. I went from them needing {$1100.00} to over XXXX? And it is still not being completed. I have never had to experience so much stress and frustration in my life.
Consumer complaint received 2016-01-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (CA)

I opened a checking account at Bank of west XXXX XXXX XXXX XXXX ca. on XXXX XXXX. Reason I opened had offer of {$600.00} if balance above {$50000.00} to end of year. Offer said had to opened before XXXX XXXX. Person told me no problem on getting money. Had over {$50000.00} balance into this year. but they refuse to give me the {$600.00} bonus. Had contacted bank with no help so far.
Consumer complaint received 2023-10-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I received AMEX pre paid gift card from work on XX/XX/2023 for {$150.00} USD but after activating it, I am unable to process successful transaction with any merchant - Ive tried XXXX, XXXX, XXXX, and also attempted to add to my XXXX wallet following the instructions AMEX provided but have not been able to get it to accept it and says to contact card issuer and they simply tell me to try again.
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I found this article about Regions charging improperly on over drafts by shear chance, and luck. For years now Regions, since they " gobbled up '' smaller banks like my own " XXXX '', and I became a Regions customer, it has been quite obvious a " new '' set of rules for how the customers are treated was put into place. It is no wonder they have grown so large with the continual praying on middle class, and lower income folks like myself with outrageous, and unjustifiable fees. The worst thing I know of all is regularly manipulating the on line banking entries of debits, and credits. Debits will be held, purposely not showing them, not even showing them in the pending status for days, as they watch your balance dropping down, the bank knowing, and hoping you overdraft just before a payday. Then, at the over draft point, they will re-arrange the order of the entries to appear that you not only over drafted a few dollars on the '' real '' last charge '' debit ' you made. The new entry arrangement on this newest date of over draft now will show ( in the banks favor of course ) that you over drafted with one of the larger debit entries several days earlier. And now the day before your pay day auto deposit, they hit you with many tiny debit entries ( a few dollars each ) each with o.d. fee each of {$36.00} totaling {$100.00}, {$200.00}, or more. Now the facts after many years watching this closely are this : You have to watch the bank record on- line closely every single day to catch this. They make mistakes - dailey in the nightly work they do balncing your account. The adding subtracting errors they make can throw you own calculations you are trying to keep up with off, and in error. They continually fix errors they show on previous days balancing on next day or so - further throwing you off in error. Fact is, they have been scamming millions of dollars off people like me, and other people that do n't watch it as close as I do. I hope you bust them for all the rong doing. - to me, and manner others.
Consumer complaint received 2023-07-07
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. (FL)

XXXX financial sold my mortgage to XXXX on XX/XX/XXXXXXXX XXXX XXXX, I was never sent a letter to inform me of this change. I had my bank account set up to XXXX XXXX my payment every month. I had been in my house over XXXX  years and have never missed a payment. When my bank sent the payment to XXXX  after they had sold the account XXXX  sent the payment to chase. Then the next month when XXXX received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX who told me they had sold the account. Then I contacted XXXX  at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to cardinal on time and a good faith letter from XXXX admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have USPS reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action. 

XXXX should have never returned my payment. They should have sent it to chase and contacted me to ask why my bank was still sending the payment to them. 

My missed payment for XXXX needs to be fixed on my credit report.
Consumer complaint received 2023-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (GA)

I have stocks in an account held by robinhood investment. I had issues with my online account and reached out to the company support team, through their online app via live chat, which is their preferred method of communication, and left a message. I later received a callback by an employee of robinhood regarding my issue and to assist with resolving same .As a result of the process or method used to provide the help, i ended up being scammed, resulting in money being removed from multiple accounts. Since then i have been unable to reach anyone or receive a response to emails i sent robinhood. I received calls from multiple people but none were able to verify that they were legitimate employees who could assist me with resolving the issue regarding the fraudulent transactions.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (IA)

Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. XXXX XXXX Account XXXX, Sears.CITI Account XXXX and XXXX XXXX XXXX Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of XXXX and I have never lived outside of the state of XXXX in the XXXX years of my existence. When calling XXXX the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over 2 years and more than one attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in seven months shortly after their father passed away.