davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CITIBANK, N.A. (NY)

While reviewing my XXXX credit report of XX/XX/XXXX, and XXXX of XX/XX/XXXX, I noticed that CITIBANK NA employees had initiated an unauthorized and fraudulent inquiries into my credit report. I did not authorize and/or consent to anyone employee of CITIBANK at any time during this relevant period to view my credit report, absent which this is in clear violation of my Privacy Rights and FCRA Section XXXX b ( c ).
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CO)

Our home has been financed by Citi since 2006. We have never missed a payment or even made a late payment. In early XXXX this year I approached Citi about refinancing to gain a lower interest rate. I was quoted a rate about 1 % lower than the rate on our current loan and promptly submitted an application. The appraisal was completed to confirm there is more than ample equity in the home to justify the loan. The unblemished credit reports with XXXX FICO scores were provided and every piece of documentation or information requested has been provided. A clean title search is ready for delivery upon request. More than 3 months later Citi has still not completed processing our application for final approval and today has once again requested I provide nonsensical information that has already been provided despite its irrelevance. I now suspect it has and continues to purposely delay approval of our application in order to continue collecting the higher interest charges that have and continue to accrue. Had I even suspected Citi would handle our application in such bad faith I would have gone elsewhere at the outset and undoubtedly would have already completed the refinancing process well before now.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

On XX/XX/2016, I attempted to open a new Checking Account at Citi. I did the process online. I was unable to meet address verification requirements and send in supporting documentation within the 1 month deadline. I received correspondence stating my account would not be opened if I did not send supporting address documentation. 

During that time, I was still mailed an ATM card and a PIN. I never activated my ATM card. 

The bank did not execute a balance transfer from an account outside of Citi which I had provided as the method for depositing money to open the account. 

I recently checked in a Citi branch and they are stating that my account is " frozen '' but also open. Also, the branch employees were stating that my account had a negative balance due to minimum balance fees. I asked the branch employees to explain why the account was still open and they said they were unable to do so. I asked the branch employees to close the account. They said they were unable to do so. 

I 'm filing a complaint now to initiate closing of the account that I never was able to fully open in the first place.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have attached 4 highlighted accounts which are all reporting inaccuracies to my three credit bureaus, dates are incorrect, amounts are incorrect and they are violating the FCRA by reporting these inaccuracies to all three credit bureaus.
Consumer complaint received 2015-04-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IL)

I applied for a loan modification with CitiMortgage and I was denied two times. Finally as a last resort to save my home, In addition to requesting another modification, I filed a Chapter XXXX Bankruptcy to repay the arrearages. This is when they actually considered helping me. The entire process was long and deceitful after that. I originally owed XXXX to Citi but somehow after the modification and a Partial Claim payment of {$28000.00} through XXXX, CitiMortgage is telling me I owe {$170000.00} to them in addition to now owing XXXX back the {$28000.00} which was supposed to be applied to the arrearages on my account.. Long story short ... They have not and will not show me a detailed account of where the {$28000.00} was applied to my account. My questions are " If CitiMortgage was given {$28000.00} from HUD to help decrease my mortgage and pay arrearages, How and why was my mortgage modified and recalculated using an amount that did not reflect the arrearages being paid with the {$28000.00}. How was this calculated? Who can show me a detailed transaction history or re-look at the modification to make sure it was prepared and calculated correctly? Why do I now owe {$200000.00} ( XXXX to CitiMortgage + XXXX lien to XXXX ) on my house which I originally purchased for {$160000.00}? How is this possible when the program is called XXXX - HOME AFFORDABLE MODIFICATION PROGRAM? There is nothing affordable about this!!! I am in more debt than I started with. 
Please help me if you can.
Consumer complaint received 2015-12-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NC)

Caliber Home Loans paid property tax that had already been paid. They deducted the funds from my escrow account during a refinance. For 2 months now, I have been making phone calls in an attempt to resolve the matter. A couple of weeks ago Caliber denied receiving a refund check from the county. Caliber recanted when I provided the check number, the amount, and a statement from the county stating the check was cashed. Caliber now admits they owe me the money, however multiple phone calls have resulted in no specific date I will be sent a check. I spoke to a very rude supervisor named XXXX today. He claims he will call me back with a date, however past promises of a phone call by Caliber have resulted in no call back. I believe it is horrible to take a veteran 's money and hold it during this time of the year when many purchases are made. It is a slap in the face to all current and past service members.
Consumer complaint received 2015-11-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposit a check payable by XXXX Bank and issued to me XXXX using a Bank of America ATM on XXXX15 to my Bank of America account. I checked my account on Saturday and it reflected no hold on my account. This morning XXXX/XXXX/15, I logged into my Bank of America account stating a hold was placed on my account and I was being notified by mail. Meanwhile I have a contractor coming to my house that I need to make a payment so he can start repairs to my home. That check I deposited is for the repairs to m home. I called Bank of America I was told the funds would not be available until XXXX/XXXX/15. I was under the understanding that banks are not allowed to hold funds for that long.
Consumer complaint received 2016-12-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

I have a ExxonMobil credit card, Acct # XXXX. I only use this card for gas purchases via my XXXX. I normally purchase gas and then quickly pay off the purchasing using my Bank debit card. I noticed an issue with not being able to access my ExxonMobil account via the website. I finally call the XXXX number have been informed that I have a balance of {$120.00} comprised mostly of late fees that I have never been aware of. No one from ExxonMobil ever informed me of any irregularities at any time. Mind you I pay my gas purchases as soon as I make my purchase via my Bank debit card. They denied me access to their website which I thought was odd but never really bother to inquire since I was paying off my bills as soon as I incurred them. I called the XXXX number XXXX and was just informed of this situation. I did get them to waive the latest late fee and paid off the balance of {$83.00}. So basically for a gas purchase of about {$15.00}, I ended up pay {$83.00} dollars. I could n't close my account because of course that department is conveniently closed on Saturdays. This is a rip off plain and simple. ExxonMobil never bothered to call me at any time to discuss this issue which I would have resolved right on the spot. They just kept hitting me with late fee after late fee. Since they block my access to my account on-line I was never aware of any issues. I had an issue with ExxonMobil some years ago. My son who is an legitimate user of my account lost his card. It appears that someone found the card and used it. ExxonMobil denied my claim and I was forced to pay off the purchases even though I provided clear evidence that my son had lost the card. But this situation now is the last straw. I got ripped off by the last time by ExxonMobil for having to pay unauthorized purchases for a lost card. I complained and proved a statement but to no avail. Now this situation to be hit with late fees and never informed that there is an issue with your account is unacceptable.
Consumer complaint received 2016-05-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

I signed up for a Citigold bank account with the promotion code XXXX. The signup bonus ( XXXX ThankYou points ) was to be provided within 3 months of meeting bonus terms and conditions. After the XXXX month period, and after completing the bonus terms, Citi rescinded the offer. I am now stuck with {$90.00} in monthly fees. Citi needs to follow through on the agreement we initially agreed to.
Consumer complaint received 2015-12-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (PA)

I lost my job back in the summer ( went over to china ) so I could not pay for awhile. now I have a job and I 'm trying to pay again and I need help trying to pay off the card but with the interest fees and other fees I am not getting nowhere and with numerous attemps to try and resolve the problem, they will not help. I am not using the card. and my only other choice is to file bankruptcy as a last resort.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CO)

I am a sensible, prudent, mature person and would not charge {$19000.00} on drinks and a XXXX. I believe a drink was spiked ( drugged ) causing me to lose my mental capacity to reason. I had a loss of judgment and rational thought and my ability to consent to charges. My credit card company said they can do nothing because they have signed paper receipts for charges of {$19000.00}. None-the-less, I was cheated and ripped-off at XXXX Restaurant in XXXX XXXX and do n't think Credit Card Companies should do business with XXXX. They gave cash advances to the XXXX who they claim is an independent contractor for the club. The other charges were for drinks I guess.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in those account to be removed.

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  XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Letters were sent to XXXX, XXXX, and TransUnion in regard to incorrect personal information they have on each of their reports. I asked for removal as well as any and all documentation pertaining to how and from whom they received this information. I received no response from either three bureaus, and the incorrect information remains on their reports. I have attached copies of the letters that were sent to each company which lists the information that needs to be removed, asap.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Birchwood Credit Services, Inc. (GA)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc. (GA)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.
Consumer complaint received 2024-08-06
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. (NJ)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-05-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (WI)

I was involved in a XXXX. I was asleep and my apartment was broken into. Many items were stolen including my debit card. It is a CHASE debit card and when I called to freeze my card they asked me several questions about the last payment I made. The CHASE employee on the phone talked fast and had a strong accent. He asked me about a certain charge but never said a time or place and I misspoke and said that charge was made. This call happened around 8 hours after the incident and I was still shaken up from it. There was {$480.00} taken out of an ATM that was not me and was fraudulent. CHASE denied my claim because I misspoke about another charge that they think I verified. I 've called them multiple times but my case is closed and there is no appeal process other than the court system. I do not want to sue them, but this whole process has taken so much of my time and has been really hard on me especially because I am a XXXX and I spend hours on the phone with CHASE. All I want is my money back, but CHASE does n't care. They never asked me for the police report even when I offered to give it to them. The evidence does n't add up because the police were called about the incident before the charge on the card happened so there is no possible way I could have made the charge. Please please help me.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (CO)

I had made XXXX balance transfers onto my Chase credit card to a 0 % interest rate for a total of {$15000.00}. I have subsequently been making my minimum payments as well as additional payments to cover my purchases. I recently found out that these payments are not being applied as they should pursuant to the Credit Card Bill of Rights. While the minimum payment is being applied to the lower rate, some of my payments above the minimum have also been applied to the lower rate instead of the higher rate as is required. I should have a balance of {$14000.00} at 0 % now, but instead I have a balance of {$11000.00} at 0 % and {$3000.00} at the higher rate because these payments have been misapplied.
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (AL)

On XXXX I placed a print job order at XXXX XXXX , Store # XXXX, on XXXX XXXX in XXXX, AL. I did not notice that the store overcharged my bank card until a month or so later when I was reviewing my bank account statement. 
I never spend over {$10.00} when placing an order at XXXX XXXX, but the charge on my bank card was for {$160.00}. I called the local store and the corporate office in an attempt to have the error corrected and the money refunded to my card, with no resolution. 
By the time I was able to get to my bank to notify them of the charges, too much time had lapsed and the bank could not assist me in recouping my money.
Consumer complaint received 2016-06-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (UT)

I am a long time customer of Chase bank in good standing and have several of their products. I recently applied for XXXX different cards from Chase Bank on separate occasions, XXXX was co branded credit card, XXXX/Chase bank which I had received an ad in the mail inviting me by name to apply for and the other a Chase credit card. My applications were XXXX denied, despite having a decent credit score. After speaking with a representative about why my applications were denied, I am most concerned by a new hard limit that I understand Chase has implemented recently regarding credit applications. It was explained to me by the Chase representative that if I had more than XXXX new credit accounts on my credit report within 24 months, the application is automatically denied and there is nothing they can do to reconsider any application that is denied based on this rule. Also troubling is that this includes even being added as an authorized user on an account. There was no mention of this when I applied for either of these cards. I feel like this is important information necessary for me to be advised of before hand when making new credit decisions. Applying for new credit is always a calculated risk, since there is always a chance of denial. However, knowing that a denial would have been the only possible outcome, I would have been able to make a more informed decision and would not have applied, having no point loss to my credit score.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I am writing to dispute a car loan account associated with my name, specifically account number [ XXXX ] in the amount of {$30000.00}. Date opened, XX/XX/year> due tq identity theft. I have recently discovered that this loan was fruadulemtly opened in my name without my authorization. Additionally, i have not signed a promissory note or any other documentation related to this loan. 

As a victim of identity theft, i am exercising my right under The Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practice Act ( FDCPA ) and The Identity Theft and Assumption Deterrence Act ( ITADA ). these laws protect individuals against fruadulent activities and incorrect credit reporting. Specifically, these statues entitle me to dispute unauthorized accounts and demand the removal of such fruadulent entries from my credit report.