davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (PA)

Early XXXX 2016 I had a Macy 's Credit Card with a zero balance and a {$15000.00} credit limit. Macy 's allowed someone to purchase {$14000.00} worth of small leather goods and had them delivered overnight to an address in XXXX. Macy 's allowed someone ( the same person I assume ) to change my name, address, phone number and email address as well and in addition shipped this person a new Macy 's card with a new number. XXXX day after the purchase I received a voicemail from Macy 's credit fraud stating that they thought there had recently been buying activity not normal to my buying patterns and to please contact them. I rarely spend more than {$100.00} per month and then pay the balance in full so I do not have any interest charges. I called them. They sent me an affidavit to fill out stating that the charges were not mine. I filled it out, signed it and sent it back in XXXX 2016. They claim they never sent or received XXXX. I began to get collections calls three times daily. I would speak with collections who would have me call fraud where we would speak up to an hour. Everytime this happened I was assured this matter was taken care of. I read my credit card agreement and saw I had to send a letter telling them to stop calling me. I did that. They continued to call me. My XXXX score went from XXXX ( excellent ) to XXXX within 4 months due to a serious delinquency on XXXX account, Macy 's. When I called again In XXXX I was told that the fraud report had never been submitted. Macy 's would place the now {$16000.00} plus amount on the old card and then switch it to the new card and then back again without ever closing it out so that I always had a delinquency. Fraud even told me that they had to investigate in case it was my bill. I had them send me the receipt was looks like it was made on a smart phone and the signature looks like a XXXX or a XXXX but certainly not my signature which is on file. I told them to look at the affidavit but they had no knowledge of it. The credit agreement said all disputes had to go thru arbitration so I filed with the XXXX XXXX XXXX only to find out that Macy 's had never registered with them. They sent Macy 's and their parent company Citibank and Department Stores Credit several notices to defend as well as a request to either register with them or strike the arbitration cause from all of their agreements immediately. Macy 's only responded that they were aware of the arbitration but never entered an intent to appear. Arbitration had to close the case and told me to take it to the Court XXXX XXXX. I thought I would try CFPB first before suing. My 2 % mortgage is to be renegotiated very soon and while my XXXX score is slowly climbing back up due to my habit of paying before due dates, it only climbs up XXXX points per month. It still has the Macy 's serious delinquency on it and states that it will remain there for 7 years. I doubt I will get up to Excellent credit 's minimum score of XXXX by then and might never see my score of XXXX again. Please help.
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (MD)

I had an issue making my monthly car payment to PNC and I called them to make payment arrangements. I gave them a partial payment that day and the remaining portion was to be paid my next paycheck 2 weeks later. I was told that this would be ok. 3 days later my PNC account was overdrawn because they took the remaining part of the payment 7 days prior to the agreement. Now PNC is overdrafting my account {$35.00} every day.
Consumer complaint received 2016-10-28
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP (NY)

I am in the middle of a foreclosure issue that should have nothing to do with me. My divorce was final in XXXX and my ex-husband received our home in the divorce. We refinanced during our separation in XXXX ( due to the courts delaying the divorce ) and I was forced to sign a Deed of Trust ( State of MD ) since we were not legally divorced. By the time our divorce was final, my ex-husband was not making payments and foreclosed on the home. I have been trying for many years to get my name off of the Deed of Trust and can not. I hired an attorney and while he was able to remove me from the Deed, he could do nothing about the Deed of Trust. Now after 10 years I am being named in the foreclosure documents. The bank will not speak to me even though my name is listed on the foreclosure. We tried to have a mediation with the foreclosure company and the attorneys and Seneca Mortgage said they would send us a letter explaining that I am not responsible but they did not. I am now told that Seneca sold the loan to Selene Finance. I am NOT responsible for this debt and now my credit maybe ruined. NO ONE can tell me if the bank could place a judgement against me regarding the remaining debt after the foreclosure is completed. I would like some help with this issue. The original loan was with XXXX. It was sold to XXXX XXXX XXXX who forwarded it to Seneca Mortgage and I am told it is now in the hands of Selene Finance. The letter was sent to Seneca before the loan was sold to Selene. The attached letter explains the situation in more detail.
Consumer complaint received 2017-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MN)

On  X/XX/2017    I called Navient customer service per their web site information stating that to contact them in order to have over payment of private loan payments applied to the principle instead of the next payment. The first representative I spoke with made it sound like a drawback that my loan would be paid off early. Her tone was one indicating warning instead of what will be a celebration for me. She almost hung up when I first called because she could n't hear me due to the loud call center she has to work in. I could hear her and the background operators. The language used " move the payment date forward '' or " apply to next payment '' in the phone conversation and on the web site does not indicate clearly to me, as a consumer, that the over payment will be applied to the principal. Then, when I log in the next month after overpaying and thinking the extra was going towards my principal payment, the only difference I see is that my minimum payment has been reduced as they applied the extra amount towards the next payment which is not what I wanted. Furthermore, their web site says that you must contact them in order to have the over payment applied to the principle of a private loan. The customer service agents acted like it was my fault for not selecting the appropriate option when submitting payment online. I know from dealing with them as  XXXX   XXXX  and my additional over payment was not applied to my loan principal that this company is not trustworthy which is the main reason why I want to pay extra to get out of their unethical system.  <P/> " We will apply any over payment to next month 's payment unless you are enrolled in automatic pay or instruct us to do otherwise. * ''   XXXX   XXXX   XXXX   The second rep I spoke with interrupted me instead of listening. She wanted to tell me what was going on with my loan ( I had just made a payment and knew how much the minimum wa s ).   When I explained that I had made a payment minutes before, her response was to laugh and say " It takes a little while for the payment to post. '' ( Please tell me something I do n't know as an  XXXX   XXXX  and an online payment user since they were invented. ) I had to be super assertive to get her to repeat to me the words I used " over payment will be applied to principal in the future '' so I knew there was an understanding for what I needed. She said she would have to send a note to the department which handles payments. I asked if I could receive a copy so that I would know the note was sent and explained my request correctly. Her tone changed when I let her know that I would be filing a complaint with th e Consumer Finance Bureau.   <P/> Pushing a payment date forward and applying to the next payment is not the same as applying the over payment to the principal.
Consumer complaint received 2017-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

On  XXXX / XXXX / 17  I deposited a check at the  Chase  atm in my town and recieved notice dated  XXXX / XXXX /   17  that the paying bank could not find the checking account number and that the amount would be subtracted from my account & that I would be charged a {$12.00} returned-check fee. When I went into the bank they told me the problem was that the copy of the check was not good, so that the other bank could not read the numbers properly. I asked for the check back so that I could hand it in to the bank & was told that I could not have it. They told me to contact the person that wrote the check, which is not an option for me. I called the phone number listed on the noti ce mulitple times (  speaking with  XXXX  for  48 min utes and  XXXX  at my branch  - Chase would not give me their last names ) and was told they could not contact the other bank again, that I could not have the orginal check back & that I should contact the check writer. I can plainly see from the notice that the computer read the account number wrong. Since I deposited this check in a Chase atm and Chase is my bank, it should be their responsibility to either depost the check correctly, or give me the check back.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with 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 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.

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!

Delete the late payments from my consumer reports
Consumer complaint received 2017-06-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TN)

I have two problems regarding my PMI policy and the way it was handled by US Bank. Issue   1 is frustrating but no longer relevant to being fixed for me, issue 2 is still a problem.
<P/>
1 ) PMI insurance has to be maintained for 5 years before you can request cancellation. I refinanced my loan after having it for 4 years to get a lower interest rate. Nobody informed me it would restart my PMI clock, so I 've had PMI insurance on my loan for   almost 9 years, which is frustrating at over {$75.00} per month on a {$550.00} mortgage.
<P/>
2 ) 3 months ago, I reached 5 years and less than 80 % and I have met all other qualifications to remove the PMI from my loan. Nobody called or sent a letter to inform me I could get it removed ( irritating ). So I called and spoke with a rep who verified all the qualifications and said I qualified to have it removed. I asked him to request it removed and he said, " I ca n't ; you have to send in a request in writing to have it removed. This feels like a run-around to get even more money out of me and make it mor  e difficult to cancel it so I might just not worry about it and keep the PMI. ''
Consumer complaint received 2016-10-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (MD)

I 've been trying to make my payment with Chase Auto finance on my 2015 XXXX XXXX. I got a new bank account with XXXX. I am trying to pay with my checking account by phone. I have been trying the last few calls. Yesterday I was told all late fees would be waived and I would owe my normal monthly payment amount. I tried to setup the payment yesterday with both and respresentative by phone, then again calling using the phone automated system. I can not, we can not get a payment made by check to go through? I do not want my car to be taken, I am trying to setup a payment, have been trying. I am on phone now with XXXX that called my cell of : XXXX. We have been speaking for over a half an hour, with supervisor involvement. I want all late fees waived and to be able to setup my car payment using my checking account. How can I do this? Repeated mistakes made by another lending institution that is causing me fees and hardache. XXXX Bless America, it feels like sobotage on all fronts. Please advise how I can setup a payment by check using phone, as I no loner use credit cards.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

SOMEONE USE MY SOCIAL SECURITY NUMBER AND DOB AND OPEN UP UTILITIES IN MY NAME AT A FAMILY HOME ADDRESS. IN   XXXX  . AT THE TIME SERVICE WAS OPEN FRAUDULENT USING MY NAME I RESIDED AT A DIFFERENT LOCATION  XXXX   XXXX    XXXX   XXXX    XXXX . THE NAME USE IS  XXXX   XXXX  A FEMALE WHICH I DO KNOW A  XXXX   XXXX . I AM  XXXX   XXXX .  ( MALE ) I P ROVIDED  XXXX  WITH A POLICE REPORT DATED  XXXX  16  WHERE I FILED WITH  XXXX  POLICE DEPARTMENT DUE TO SOMEONE OPEN A CREDIT CARD AND PAYDAY LOAN IN MY NAME. ALSO THE LANDLORD OF PROPERTY  XXXX   XXXX   XXXX  PROVIDED  XXXX  WITH DOCUMENTATION STATING I DIDNT MOVE INTO MY NEW RESIDENCE  XXXX   XXXX   XXXX  UNTIL AROUND  XXXX /2016 / THIS IS A FAMILY HOME AND SOMEONE THAT KNEW ME HAD TO OPEN IN MY NAME.  XXXX  IS STILL REFUSING TO REMOVE. I CONTACT CREDIT SYSTEMS (    XXXX   XXXX   )  AND THEY ADVISED ME TO DISPUTE WITH   XXXX   FOR REMOVAL.   XXXX   DID NOT RESEARCH ENOUGH. THE OWNER / LANDLORD PROVIDED MY MOVE IN DATE TO SHOW THIS IS NOT MY DEBT. AND I PROVIDED IT TO  XXXX . SOMEONE FRAUDULENT OPEN UP THIS DEBT AND USE MY INFORMATION. I AM A VICTIM OF FRAUD AND SENT PROOF TO   XXXX  . I NEED HELP WITH THIS MATTER.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (KY)

Applied for secrure credit card month ago put  XXXX  dollars down on it for a security deposit have n't heard from them it 's called first progress master card need tknow if I am going to get it if not want my money b ack one month i s long enough
Consumer complaint received 2017-03-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: COMPREHENSIVE LEGAL SOLUTIONS, INC. (NV)

This company has done a credit check on me. I need to know why- was an application received for some sort of service? Through another party? Or do they have an account for me that I need to know about? I have been a victim of ID Theft and need to confirm what this is for. They do not answer any calls or return emails, I have been trying for over a week.
Consumer complaint received 2017-03-16
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CHECK INTO CASH INC. (CA)

I received a voicemail stating the following " XXXX, My name is XXXX, i am reaching out to you today as a courtesy in regards to documentation that was placed attached to your name and social security number i have to review this matter and i want to give you a chance to provide a statement on your behalf prior to my recommendation being made. it is imperative i speak with you to discuss this matter further i can be reached directly at XXXX and when returning the call please refer to reference number XXXX ''. I contacted this bussiness back to see what this was concerning and the party i spoke with stated i had a debt that was owed and was pending trial. He stated they would be sending my information to an attorney and i could dispute it then. I explained i would like him to notate that i am verbally disputing the debt and that the statue of limitation to collect on this debt had past. he continued to talk over me and stated i would have my day in court and could do so then. i explained that i would like to speak to the attorney handling the case. He refused to give me the information i asked for. I asked for the oringal creditor information and he stated he did not have that info and they would not speak with me. During this time he did not provide a meaningful disclosure or the mini miranda. I asked mutliple time if he was a debt collector and he refused to answer my questions. He became upset and terminated the call.
Consumer complaint received 2017-03-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

CitiBank is due to pay {$400.00} bonus for a new checking account. This was expected XX/XX/2016 but was not credited. They claim they do not have a valid XXXX on file ; however, I have attempted multiple times to provide this documentation. At the time of account opening, via mail which was deemed not valid, and in a branch on XX/XX/2017. They cite the lack of a XXXX as the reason for not posting the {$400.00} bonus due to me per Case number : XXXX. A completed XXXX is attached to this request.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Green Trust Cash, LLC (MI)

i took out a loan of XXXX $ from green trust cash. i paid XXXX XXXX after looking at the contract more closely i realized that if i made the minimum payment i would pay more than XXXX $ in total. that is absolutely rediculous. This must be illegal?
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP (FL)

On  XXXX   XXXX ,  2017 , I timely paid {$300.00} against the balance of this card. The payment was made electronically from my  XXXX   XXXX  bank account. On that date, I learned that fraudulent debits had been placed against my  XXXX   XXXX  account.  See Complaint Number   XXXX  for further details.     On  XXXX   XXXX ,  2017 , while I was in a meeting, I received a message from  Key  Bank about my account. When I was able to access my computer, I saw that the payment had been reversed by  XXXX   XXXX . The reversal was a mistake on the part of  XXXX   XXXX  due to the fraudulent debits, as discussed in the C omplaint Numbe  XXXX  above. I went to  XXXX   XXXX  and met with my banker and the Manager, who elevated the problem to the  District Manager . There are no   Key Banks   in the State of Florida so I could not go to a   Key Bank   and their office was closed when I called on Friday afternoon. I called   Key Bank   again on Saturday and was told that I should make a payment and then call back to have the fees and interest reversed and the account corrected.     Since I could only make a payment online, and no longer had a checking account to use due to the  XXXX   XXXX  problem, I had to make arrangements to use another account. I made those arrangements and made the payment again to  Key  Bank on  XXXX   XXXX ,  2017 . I then called Key Bank to have the fees and interest reversed. I was told by "  XXXX  '' that they could reverse the late fee as a one time courtesy, but would not reverse the interest because it was not their fault. I was also told that they could not correct the account to reflect that I paid timely.     Any reporting of this matter to the credit bureaus is a violation of the Fair Credit Reporting Act. Further, Key Bank failed to timely notify me of the reversal. In addition to the late fees and interest, I have now spent additional billable time trying to resolve this matter.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CO)

I have contacted Equifax regarding the following inquiries on my credit report that are adversely impacting my score. I have asked them to show me 1. permissible purpose. 2. Show me written authorization that I gave permission for the following companies to pull my credit and 3. Show physical proof that I initiated the inquiry and EQUIFAX is refusing to comply with my request. Instead they simply send me a letter stating that all inquiries must be reported as they show factual proof. I am sorry but without the above XXXX components they UNDER LAW are to remove the inquiries from my credit report. The following inquiries do not meet the XXXX components under the FCRA and EQUIFAX is in essence breaking the law and I am requesting that they either show me all XXXX pieces of proof that I have asked for and I am entitled to or I am asking that a FULL INVESTIGATION be brought against them for illegally sharing my credit information and breaking the law under section 604 of the FCRA. If they do not remove these immediately I will be forced to hire an attorney and sue them for damaging my credit intentionally by reporting inquiries that can not be verified and proven under the law. The following inquiries are to be removed since no proof can be submitted on their behalf. 
1. XXXX XXXX XXXX **I called this company and they find nothing to support a permissible request*** 2. XXXX XXXX **I called this company and they find nothing to support a permissible request*** 3.XXXX XXXX **I called this company and they find no evidence to support a permissible request*** 4. XXXX XXXX XXXX **I called them and they find no evidence to support a permissible request and no credit line was granted to me*** 5. XXXX XXXX XXXX Date of inquiry was XXXX **I called XXXX and they find no evidence to support permissible purpose on this date listed**** All XXXX ILLEGAL inquires are to be removed IMMEDIATELY as they are not following the letter of the law in section 604 of the FCRA. The law needs to be enforced here or they will continue to do damage to myself and others.