davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-14
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (GA)

SINCE XXXX XXXX EST XXXX XXXX Rush card customers ca n't access their funds via atm. They ca n't make store/online purchases. Customer service XXXX number no longer works. Website & mobile app is XXXX for current customers to access accounts. Those who can access their account balances are incorrect & direct deposits are n't reflecting in accounts. People are stranded. They ca n't get to work school or health care. They ca n't buy food or prescriptions. They ca n't pay rent or utilities!!! WE NEED HELP!!!
Consumer complaint received 2016-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NE)

I have always paid my mortgage automatically. However, when ditech took over my mortgage in XXXX 2016, my autopay was taken out incorrectly, replaced, then never corrected all without my knowledge until I started receiving collection calls. All prior payments and subsequent payments were made on time. I tried resolving with ditech over the phone over a couple months, multiple phone calls, etc. but the amount was wrong, there were late fees added, and the entire thing was a complete mess!
Consumer complaint received 2016-06-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My loan was sold to Ditech in XXXX XXXX. At that time my mortgage was paid up one month ahead. I continued to make my payments to Ditech each month despite being one month ahead to carry that cushion but my payment in XX/XX/XXXX was applied all to principle instead of principle, interest, and escrow. As the result, Ditech sent me letters stating I was late yet I paid every month. The continued to charge me late payment fees and sent late to credit bureaus. In addition, I request that my escrow impound account gets cancelled so I can pay my taxes separate ( which I had previous done prior to my refinance in XX/XX/XXXX ) yet, Ditech rejected my request stating " value of property is n't 80 % of the principle balance ''. Apparently, according to Ditech they went off an old XX/XX/XXXX Deed Of Trust ( reflecting value at {$240000.00} ) which is n't correct. I sent Ditech a copy of XXXX XXXX Tax Board XX/XX/XXXX current value of my property {$280000.00} to {$300000.00} they have yet to respond to my second written request. Yet they have increased my mortgage payment {$80.00} citing increase in property increase, which indicates my value has increased. Again, when I purchased my property I did not have my taxes impounded until I refinanced XX/XX/XXXX.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX was charging fees that i disputed and if reversed would have settle my account. Instead, they reported me to the credit bureau while accounts were in dispute and refuse to correct that information. I am asking that the adverse reporting be removed from my credit reports. They have since refunded the amounts in dispute but that alone has not been accepted by the credit bureau. When i dispute the reporting and submit the checksa nd documentation supporting the dispute I am directed back to XXXX XXXX for correction.
Consumer complaint received 2015-08-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

My mortgage was transferred from XXXX to Green Tree servicing in XXXX 2015. I was current with payments to XXXX when it transferred. I have made XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX payments in FULL and On time to Greentree. Unfortunately in XXXX 2015 BEFORE my account went to Greentree, An additional payment was erroneously posted to my account AFTER I paid my regular payment to XXXX. XXXX realized this in XXXX 2015, and requested Greentree to take the erroneous payment out of of my account. Greentree took it out of my monthly payment amount that I had already paid on time and in full instead of taking it out of the Balance of my account. Now, greentree says I own additional money to cover what was taken out!!! I was current with XXXX and am current in my payments to Greetree, but they have charged me late payment fees, etc and no one will correct this error!! This was not my error ... Also just found out that they paid my property taxes late and I got a {$110.00} fee on my tax bill that they are in charge of paying! Help ... I ca n't get any help from Greetree and now that it is changing to XXXX, I am afraid that this will go on forever XXXX XXXX
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (WI)

On XXXX/XXXX/16 I spoke with a representative named XXXX at CITI and he declined my request for a report detailing my charge history and interest rate changes over time. He told me he would have to call me back to verify my account after I provided XXXX digits of my social security number. 

I feel strongly that this information is available only to the company, and as a consumer being charged 26.99 % interest I have a right to know my history.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CNG FINANCIAL CORPORATION (SC)

VALIDATION AND CEASE AND DESIST Collection agency name : Axxess Financial Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account number : # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Dear Axxess Financial I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (OH)

I found your company information while researching who to complain to regarding citi bank. I have had this card for a few years now and I have paid it off a couple of times and kept if for emergencies. I have had struggles at times like anyone else now a days and I have called into Citi bank each time to work out a payment plan in order to get my credit in good standing. Long story short I have not received child support countless times which cuts into my monthly income, my children have medical bills that need to be paid before they can be seen for a doctor visit, emergencies on my home that need repaired. I can hardly ever get ahold of an actual person and once I do I am switched around countless times from department to department trying to set up a payment or schedule a payment or if I need to, make a payment arrangement for my account. Once I do talk to someone it is never a supervisor like I ask for, instead it is someone who says they are going to note my account, set up a payment plan, waive a late fee and it is never done. Each time I have called Citi bank and they have sent me countless emails stating " they know times can be tough, and they are here to help '' offering me payment arrangements and reduction of my monthly payment, etc. However, none of these " offerings '' ever get put into place. My account is always charged late fees even when they say that they will be waived so that I can catch my account up. My monthly payments were never lowed but raised. My account has been under my credit limit and paid up to XXXX currently and they just took it upon themselves to close my account. This was done without any warning or anything and also done while my account was current. This will affect my credit and I would like to get this resolved and my credit not affected for their horrible customer service or lack thereof. I would really appreciate any help that you can give. I work full time and I am a single mother of XXXX children so yes, my priorities are n't always my citi card, however, I always chat or call them to alert them to my situation and try to work out a solution to where I can get my account current and it not affect my credit score.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (OK)

I was very sick in XXXX of 2015 with XXXX. It was mis-diagnosed by XXXX Physicians, so it was six weeks before I began recovery. I was late in paying off my Best Buy statement due to this illness, but the entire bill was paid, on XX/XX/XXXX for {$210.00}. I received XXXX late charges amounting to $ XXXX that I paid on XX/XX/XXXX. They have agauin charged me {$35.00} additional, and interest on the late charges, which amount to XXXX, which I paid today ( XX/XX/XXXX ) I have asked them on the phone and in a letter to remove the late fees and interest, and they refuse, stating they are justifiable.
Consumer complaint received 2023-08-19
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Over the last XXXX months, I've tried to resolve a fraud issue. As a result of fraud, we had XXXX fraudulent checks cashed, in addition to Citibank mistakenly applying XXXX debits to my account for checks that got deposited. I have made over XXXX dozen calls and branch visits and have opened up XXXX different cases to resolve this, but they try to take care of the problem in the wrong way ( applying a credit that wasn't needed ) or they go ahead and close the case without proper resolution. I have since received credit for the XXXX fraud checks, but I can't get resolution on the the error that the bank did in applying the XXXX debits.
Consumer complaint received 2023-07-05
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: American Collections Enterprise, Inc. (NC)

I am writing this dispute for a second time and demanding that this item be investigated and removed in its entirety, immediately. This matter has already been addressed, and is in clear violation of the Fair Debt Collection Practices Act, 15 USC 1692g, however this third-party creditor is still illegally reporting invalidated information to all three major credit bureaus ( XXXX, XXXX, XXXX ) constituting fraud under both Federal and State law. 

This is a direct violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and Defamation of Character. This incorrect information being listed on my consumer reports is resulting in application denials, causing me financial stress and hardship.
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I have sent two dispute letters to Santander re an account marked " charged off ''. Both times they failed to mark my account " disputed '' within the 30 day time period allowed by the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). I have USPS certified proof of the date they received my dispute letters as well as dated copies of my credit reports showing nothing about a dispute in the remarks section. They have broken the law and this is my last attempt to avoid small claims court. This is a company with hundreds of complaints against them. They are rude, disorganized and are constantly lying to consumers.
Consumer complaint received 2016-10-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

Further to claim # XXXX, I understand that you have reviewed your records and state that loan and lien were against apartment XXXX. 

However I need to understand how is that the loan ending XXXX reflects, per your letter dated XXXX/XXXX/XXXX ( copy attached ), a loan summary of XXXX from XX/XX/XXXX to XX/XX/XXXX? Can you please forward me copies of the loan documents related to this loan. As mentioned before I do n't recall asking for a loan for XXXX ' amount. It makes no sense. If someone asks for a loan, Is because someone needs some funds not XXXX ' funds.
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-08-25
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Jana Ferrell & Associates LLC (OK)

A medical bill went to XXXX party bill collectors. I 've made payment arrangements to take care of the bill, making $ XXXX payments until debt is paid. I began payments XXXX XXXX. I have not missed a payment since XXXX. But I get phone calls from the XXXX party bill collectors several times a week to " remind me to pay ''. I 've asked them to stop calling, but they never stop. Every phone call they are very rude, and when I 'm rude back, they say I 'm being uncooperative. They 've received my payments every month without fail, but will not stop the harrassing calls.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion NEVER performs a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... Transunion , To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXXXXXX XXXX XXXX XXXX in The XXXX XXXXXXXX XXXX XXXX. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : XXXX ) XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX XXXX {$0.00}. XXXX ) XXXX XXXX XXXX {$6700.00}. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised! 
In addition, Transunion sent me in the mail 2 pages of Hard Inquiries that they claimed to have Deleted for which they have NOT as All of the Hard Inquiries still exist on my report. That's Fraud in of itself! see below
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (TX)

After years of being an exemplary customer, who has never missed a payment and always paid off every single balance in full, my account was closed to my surprise. Upon reading the reason, I was even more surprised. The letter of explanation states that your " affiliate ending its banking relationship '' with me, however I have never in my life had a banking relationship terminated, not by a Chase affiliate or any other institution for that matter. 

As per my credit report and banking history I have been an excellent customer to Chase and others such as XXXX and XXXX XXXX XXXX for 10 years. At this point I am very disappointed with the service and misconducted which I was offered by Chase, however I want to protect my credit rating which is excellent, and I fear a wrongful account closure and incorrect reasoning provided, could hurt my credit rating wrongfully. 

I therefore requested that this matter was looked into again, and that there is a thorough review as to eliminate any type of mistake on the bank 's end. If Chase wishes to end it 's banking relationship that is perfectly fine, however I would like the real reason, as to protect my reputation and credit. Again, the fact that any institution has ever closed an account with me is false, and I can prove this through my credit report and further documentation. 

After numerous attempts of getting some sort of clarification from Chase customer service which is unable to assist in any which way, I requested that someone with executive power look at this matter, to make sure that as the outstanding customer I was to Chase, my reputation is not damaged due to an internal mistake. I have had no luck yet.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRST MORTGAGE COMPANY (MO)

My name is XXXX XXXX and I am filing a complaint on First Mortgage Company due to they are not trying to assist me with keeping my home and when I ask questions they will only say they are servicing company and been giving me the run around and please can some one reach out to me
Consumer complaint received 2015-04-18
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I was told by Capital One in an email I was receiving new cards with no explanation. I checked my cards, they were not expired. I called n was told the new cards have a chip in them for tracking. I said I 'm upset that we are n't being informed in the email the reason is there will be a chip in the card. I spoke to supervisor who at first gave nonsense excuses - " they have XXXX people to inform ''. Them said it 's federally mandated we all have a chip on our cards. I said will you ever inform people it 's in their card? He said it will be in the terms n conditions when u get the new cards. That is in the small writing that no one reads after they first get cards! So now if the government has access to the chip mechanism they can track us anywhere we are n't if the chip allows it n so can Cap One n any other entity they give access to without anyone ever being basically informed that we have a chip on our cards. After the NSA phone tracking i consider this a next step and that we are n't not being ethically informed it 's in our card is reprehensible n unconscionable. I also blame the government for federally mandating it.