davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (FL)

I refinanced my mortgage with another instituation and this loan was paid off on XX/XX/XXXX. In that process, the escrow with the original lender was to be refunded to me and was identified as due to me on the loan closeout statement from BOK Mortgage in the amount of XXXX. I checked my online account and the loan showed as closed less than a week later and showed the amount to be refunded to me in the system and contact informaiton for me was confirmed as correct and a check was to be mailed. After over a month of not receiving the check I called the company on XX/XX/XXXX and complained and was told I should wait another 10 days to receive a check and I refused and requsted that the check be issued a stop payment and a new check be issued immediately. They agreed and stated it would be mailed and should be received within 10 days. 

After again not receiving the payment within 10 days, I called on XX/XX/XXXX and was told that the original check was issued a stop payment and a new check was NOT issued. The bank continues to un-lawfully hold my money and earn interest, etc. and appears to actively be aiming to delay issuing my refund for as long as possible! 

I demanded that a check be issued and over-nighted to me to ensure receipt and was told they would take another 3-5 days to print the check and could not confirm when the refund would be issued or when i would receive it. I was clear with them that I was aware of CFPB Regulation # XXXX that governs the timely distribution of Escrow refunds and that this immediately needs to be resolved. I received a call from a supervisor after hours, and i returned the call but only reach voicemail. Now today, i have placed a second request with general customer service to have a manager call and resolve the issue so a check can be issued and i have not received a call back. 

Please help! This is a significant amount of money that is important and needed to support my family, during a pandemic no less. Just another example of a major financial institution demonstrating that I am just another number and not important. I hope the CFPB can assist.
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

I am writing about an issue of great concern regarding the manner in which Citibank processes their credit card payments. 

I have been a Citibank card holder since XXXX and, to the best of my recollection, have never missed a payment, nor have any payments been late. Thus, I am finding it quite troubling that since XXXX, XXXX, I have repeatedly incurred late fees and interest charges because Citibank claims they did not receive payment on time. 

All my payments are sent through XXXX XXXX, which guarantees that payments will be received by the date due. In the attached documents, you will notice that the XXXX, XXXX, and XXXX, XXXX, payments were actually deposited by Citibank on the date due ( the second of each month ). Nonetheless, I was charged late fees of {$25.00} and {$29.00} respectively as well as interest charges for late payment. I was also charged late fees ( {$29.00} each plus interest charges ) for  the XXXX and XXXX payments, although XXXX XXXX  payment was received on time. As you will see for the XXXX payment, Citibank did not process the payment until XX/XX/XXXX, so I anticipate that yet another late fee and interest charge will appear on next months statement. 

My calls to Citibank to resolve this issue have consumed hours of my work day and been largely unsuccessful. I did get the late fees for XXXX and XXXX credited to my account, but Citibank refuses to issue any other credits because they claim to allow only one credit a year. 

If I were to give them the benefit of the doubt, I suspect that they are slow in processing payments. Although payments arrive on time, Citibank does not note the date received, but only the date they get around to processing the payment. This strikes me as fraudulent and I can imagine there are a number of consumers who have been charged in the same manner but are unaware of the practice if they do not check their statements carefully. 

XXXX XXXX  contacted Citibank on my behalf ( a copy of the letter is attached ), but to no avail. In addition, the day after my last communication with Citibank, I received notification stating that I had requested they stop all contact with me regarding past due status on my account. I made no such request and, given the fact that I have never been late with my payments, I was not even aware that they employed such a process. 

I would appreciate your investigation into the matter.
Consumer complaint received 2020-10-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

on XX/XX/2020 i sent Equifax a letter regarding inaccurate and unknown items on my credit report. This is not a regular dispute I have been waiting over 60 days now for a response from Equifax. I do feel as if I am being taken advantage of and my concerns do not matter. I understand by law that I should have received a response in a 30 day period yet its been well over 60 days and I havent received anything. I demand these accounts be removed for that specific reason. I will be filing for litigation if these matters are not addressed appropriately. My information was impacted in the Equifax data breach as well so information could have landed in someone with malicious intentions.
Consumer complaint received 2024-08-30
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. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2020-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

TU, XXXX  and XXXX has RE-AGED the alleged accounts on my credit and refuse to correct the issues. Enclosed you will find, copies of my credit report, copies of the letters i sent,
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX is reporting a WRONGFUL COLLECTION ON MY CREDIT REPORT. Act # XXXX date of default was in XX/XX/XXXX and in accordance with FCRA collector does NOT have the right to report after 7 years from the date of default .... After contacted XXXX on numerous occasions they ignored my requests and now agressively attempting to collect debt I don't owe in first place ... Representative stated 7 years would be up on XX/XX/XXXX which is a lie, they reported exp date to Exp as XX/XX/XXXX which is also a lie and XX/XX/XXXX to XXXX also a lie ... After speaking with operations manager AGAIN requesting removal of this account that does NOT belong to me ( last name on the account is XXXX ) my last name is XXXX, he asked for my ss # and stated he would ADD it to the account which is NOT what I asked for and this should NOT be legal to do ...
Consumer complaint received 2020-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Escrow balance as of XX/XX/2020 is {$6700.00}. Escrow account was cancelled on XX/XX/XXXX. My mortgage payment per month is as of XX/XX/2020 is as follows : Principal {$850.00}, Interest {$1800.00} and Escrow ( Taxes and Insurance ) {$1000.00}. Total is {$3800.00} per month. IT IS STILL COLLECTING AN EXTRA {$1000.00} PER MONTH FOR ESCROW AND NOT REFUNDING FULL ESCROW BALANCE, AFTER ESCROW ACCOUNT WAS CANCELLED ON XX/XX/220. I only received {$560.00} for Escrow refund. Thus a lawsuit will be filed, seeking all damages and attorneys fees. 

CC. XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

JCPENNEY CREDIT CARD ISSUED BY SYNCHRONY BANK. 

I purchased curtain panels from J C Penney using their credit card issued by Synchrony Bank on XX/XX/20 for {$170.00} ; XX/XX/20 for {$110.00} ; XX/XX/20 for {$760.00} ; XX/XX/20 for {$350.00} ; and XX/XX/20 for {$230.00}. For a total amount of {$1600.00} XXXX see attached statement ). 

Due to inferior quality and inaccurate website descriptions concerning size, I returned ALL curtain panels via XXXX in seven ( 7 ) separate shipments for a total out-of-pocket expense of {$250.00} ( see attached receipts ). 

I only received a credit of {$1300.00} XXXX see attached statement ). Even though I filed two ( 2 ) purchase disputes with Synchrony Bank on XX/XX/20 and XX/XX/20, they continued to charge late fees and interest for a total of {$83.00} XXXX see attached statement ). 

I finally had to pay the disputed amount of {$380.00} XXXX see attached statement XXXX to save my credit score, which had dropped 67 points, as a result of Synchrony Bank 's ineptitude, not to mention illegal behavior!
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020, I received two letters from XXXX  XXXX XXXX ( XXXX ) XXXX dated XX/XX/2020. One letter was addressed to me and stated they are trying to collect {$610.00} on behalf of Paypal.com. The other letter is addressed to my wife, trying to collect {$940.00} on behalf of Paypal.com ( see attached documentation ). After contacting Paypal, I was told that neither of these charges came from their office and the account number associated with XXXX 's claim does not exists. Additionally, XXXX has used both our middle names, which is not listed in any account information with Paypal.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On early XX/XX/2020, I made a service agreement with a contractor for some upgrades to my property and charged {$17000.00} to my Bank of America credit card via an access check. On XX/XX/XXXX the contractor defaulted a refused to continue working on my property starting that he's unable to complete the task due to Covid-19 and refused to return my unused money. Immediately, I opened a claim with Bank of America for a resolution. Subsequently, Bank of America requested multiple documents for their review which were submitted within the time frame. After five months of weekly calling, Bank of America denied my claim stating that I placed the claim more than 60 days of the transaction. Due to this, I lost time seeking legal action because the financial institution I've been using for more than 20 years took more than 5 months to respond to a claim they could respond in two weeks. Is this fair? The Bank failed to represent me, failed in the attempt to get my money and frankly I think they didn't even bother to attempt an reach-out to the other party. Is it reasonable for one of America 's biggest bank to take advantage of lesser individual? Doesn't the Bank carry insurance? What about all the service fee they charge?
Consumer complaint received 2020-09-15
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. (FL)

someone used my name to apply for credit these inquires listed on my credit report are fraudulent i am victim of identity theft here are the inquires. 

FRAUDULENT INQUIRES : 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My identification is being used for car shopping online which I wasn't nowhere as multiple hard inquiries for the same car lot multiple times a day I'm surprised the bank didn't even look at that I tried you been XXXXXXXX XXXX they weren't doing anything I did dispute letters with XXXX XXXX told me that I had to call the consumer phone consumers are saying XXXX put it on there
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

Navient and XXXX keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XX/XX/XXXXand XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.
Consumer complaint received 2020-09-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have been going back and forth with XXXX, TransUnion and XXXX  on these accounts that reporting on my credit report. I reached out to them on XX/XX/2019 with no response from them at all. I have called about these items and disputed with a dispute Representative and still no outcome about theses accounts they just update with nothing changing. These accounts has been in forbearance with no payments that have to be made on them and I take care of my responsibility with keeping them in forbearance every year. These accounts are reporting current, then 90 days late, 120 days late, 120 days late, and 120 days late. How can that be when I have never been late and how can that be without being 30, 60, 90, and then 120 days late that mean it's not reporting correctly and the late payments need to be removed or updated to current. They have also felt to send me validation of how they got they information  showing me to be late 90 days, 120 days late on these accounts with the Dept of Education/XXXX. I sent out XXXX letters to each bureau with no response from either bureaus. I just want this fixed and to report correctly.
Consumer complaint received 2020-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have submitted complaint through this platform once already and gotten no resolution from both the creditor and the credit bureau. The account by XXXX XXXX on my credit report is an account that was opened fraudulently and now I am a victim of identity theft. I have tried tried to fix this with both the creditor and the credit bureau. While both companies have made no effort to resolve this I am having to submit other complaint. I received information from the creditor that the proof that they have that this account belongs to me is based on a phone number that it is not mine, an email address that is not mine and an IP Address that is not mine. I have have sent both the creditor and credit bureau supporting documents showing that this account doesn't belong to me. I have sent a copy of my phone bill which has a different number than this creditor has on file. I have sent a copy of my email address information which has a different address than what the creditor has on file and contract that shows i've had this email address for over 15 years. I have sent a copy of my IP Address from both my cell phone and personal computer and this shows a different IP Address than the creditor has on file. I have also filed a police report and identity theft report with the FTC in addition to all of the other documents that I have sent. I find this outrageous and completely illegal because all of this evidence that I have provided clearly shows that this account doesn ; t belong to me and that someone stole my identity in order to defraud this creditor. Neither the creditor nor the credit bureau are following the law and are totally violating the Fair Credit Reporting. My next step since I am running out of options is having to file a lawsuit against both the creditor and the credit bureau. This is affecting my credit negatively and I am trying to purchase a new vehicle and so this is absolutely affecting my life and it needs to be resolved immediately.
Consumer complaint received 2020-09-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Infiniti Financial Services is charging late fees during covid and although they were advised we sought help during this difficult time. Good paying customer but things are tough and they advertise live chat but it does not work. Telephone customer service also unhelpful.
Consumer complaint received 2020-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I work for a XXXX XXXX company in New York as a XXXX. i have received my pay check since there was a technical issue with my direct deposit. i went to XXXX new jersey branch to deposit the check since i was in need money very urgently. i deposited the check and next business day early morning XXXX XXXX funds available, since i was in need money very urgently, i had sent money through XXXX to one of my friend, the amount i sent was {$2000.00}. 

After that bank of America put my account on hold, there should be almost XXXX in my bank account, everything they made as negative. now my bank of America account is showing - {$1400.00}. i called my company HR and every single my co worker about this issue, they all said they don't have any issue with their checks. i called the bank of America they were telling my actual funds will be available on XXXX XXXX   i am not doing any gambling or cheating or fraud, why my account was on hold and why they took my money, i don't have any other bank account to feed my family with XXXX XXXX and XXXX year old kid.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Filo Mortgage, L.L.C. (AZ)

XX/XX/20 - Initial Contact with XXXX of Filo Mortgage asking for a quote XX/XX/20 - Underwriting, this step took ages with a lack of response from XXXX Mortgage on multiple occassions XX/XX/20 - Closing begins, Filo sends documents with incorrect closing fees and takes a few days to fix the issue. 
XX/XX/20 - XXXX XXXX signed in AZ, Filo to coordinate signing with title company and XXXX XXXX in CA ; XXXX wires closing costs from XXXX account to XXXX ( title company ) which posts the next day XX/XX/20 - Filo reschedules, multiple contacts from XXXX asking about rescheduling with no response XX/XX/20 - Closing coordinator reaches out to XXXX and says title is having issues and won't be able to move forward ; advises to reach out to XXXX for more information XX/XX/20 - XXXX reaches out to XXXX, no response XX/XX/20 - XXXX reaches out to XXXX, no response XX/XX/20 - XXXX XXXX XXXX at XXXX. XXXX places XXXX on hold and tries for XXXX. Rep advises XXXX is with another customer and will contact XXXX tomorrow. 
XX/XX/20 - No contact XX/XX/20 - XXXX calls Filo at XXXX. XXXX places XXXX on hold and transfers to someone named XXXX which goes straight to voicemail.
Consumer complaint received 2020-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was enrolled XXXX XXXX in school from XX/XX/XXXX to XX/XX/XXXX. XXXX- Federal Student Loans reported a missed payment on my credit account, 90 days past due reflecting on XX/XX/XXXX. Since I was in deferment at this time, I sent in all documents to XXXX and they approved my deferment request for the dates aforementioned. I submitted proof of deferment to all three credit bureaus maybe six times already and they have not resolved my issue despite documentation provided to warrant my requests. I have also reached out to XXXX to have them report the correct information but they too have failed to do so. 

I feel violated that my information is not being accurately reported and I have endured rejection of many essential personal business requests due to this. This has taken a drastic toll on my life and I am seeking help from your agency to have it corrected as well as have the companies involved penalized in some ways for their abuse and neglect.