davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

XXXX XXXX Client Liaison, Citibank XXXX Response Unit Reason of review : Problems with ach deposit, managing deposit Checking account ending in XXXX Monetary Loss : {$2600.00}. Preferred solution : Refund of my balance {$2600.00} Per OCC Case # XXXX and CFPB Case # XXXX RESPONSE The deposit in question that Citibank feels does not belong to me ... You have stated that if i believe it does belong to me, for me to send documentation. I am sending the documentation that shows the deposit does belong to me and was sent to my checking account. thank you for you time, i have left many voice mails and tried calling different channels but have not gotten a response. I appreciate your assistance in the matter and look fwd to getting this resolved as soon as possible. I hope that this information reaches either you or someone that can see my information and my verifying documents and see that this has been one big mistake on Citibank part and can refund my balance since my bank account was already forced positive balance closed for no reason i hope to be recieving the refund in form of check in the mail for my remaining balance that does belong to me from Checking account ending in XXXX. Account has been closed. The deposit amount in question was withdrawn as other description and not refunded or allowed for my use I HAVE ATTACHED THE DOCUMENTS THAT SHOW THE PROOF THAT THE DEPOSIT DOES BELONG TO ME.
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (KY)

I have had a Macy 's card since 2008. Unfortunately, I did not catch this fee, but they have been charging a credit pro fee on my account since I opened the card. I know that I never explicitly consented to this. I receive paperless statements and pay automatically each month so that 's why I did not see it. I have been charged $ 1.00- {$25.00} additional on each statement for the past 9 years!
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TMX Finance LLC (FL)

XXXX XXXX To Whom It May Concern Equity auto loans llc The debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation. Please remove this information from my credit report Thank you
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX To whom it may concern, R.S. CLARK AND ASSOCIATES Debt amount {$320.00} Opened XXXX XXXX,2012 the debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation. Please remove this debt from my credit report. Thanks
Consumer complaint received 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

Starting in XX/XX/XXXX, Ditech Mortgage, started to add {$160.00} to my mortgage payment of {$390.00} for a total of {$550.00}. They claimed I was not making my property tax payments. But, all along I had been making my payments to my XXXX County fiscal office, as I had always been. Ditech sent a payment of {$700.00} to my fiscal office which has since been refunded to them in XX/XX/XXXX. After over a year of trying to get this resolved by phone calls and sending in proof of payments, I am now in foreclosure and my credit has been damaged, and no closer to getting this resolved! I have made all of my mortgage payments and my property tax payments each month but they say I am {$2000.00} past due including late charges, and I 'm in foreclosure. I am trying to sell my house but can not put it on the market until this gets resolved. I want my credit repaired, any late charges removed and the account adjusted to show current. I have submitted supporting documents to you to show my proof of payments for my mortgage and property taxes.
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (MI)

I received an alert last week on my XXXX, XXXX, and XXXX credit report that a collection was added on XXXX XXXX, 2017. The company is called Midwest Recovery Systems and the amount is XXXX. I have never heard of this company and have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before it was placed on my credit report. I demand this account be removed immediately from my credit report. At least let me have the opportunity to dispute this alleged debt.
Consumer complaint received 2017-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

TALKED TO SOMEONE IN PRO-COLLECT ABOUT ACCOUNT, WAS TOLD TO SEND BALANCE TO COVER OUTSTANDING DEBT AND IT WILL BE REMOVED FROM ALL THREE CREDIT BUREAUS, I SENT CHECK OF {$75.00} WROTE OF CHECK ALSO AFTER SPEAKING WITH CSR THAT IT WILL BE REMOVED " BY CASHING THIS CHECK YOU ARE AGREEING TO REMOVE ACCOUNT FROM ALL THREE CREDIT BUREAUS. CHECK WAS CASHED ONXX/XX/XXXX. ON XX/XX/XXXX I SPOKE WITH A XXXX XXXX AND SHE STATED THEY DO N'T REMOVE ACCOUNTS, AS OF XX/XX/XXXX THE ACCOUNT WAS N'T REMOVED NOR WAS IT UPDATED OR ANYTHING.
Consumer complaint received 2020-12-26
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)

I tired to resolve the issue by writing the company about a Unfamiliar inquiry from XXXX and XXXX XXXX XXXX XXXX, and also never XXXX XXXX XXXX that I had seen on my credit report when I request a free annual report an notice it but the company didnt respond to me like I requested them to delete it off my credit report and 30 days but didnt so I hire XXXX XXXX to help me out with the issue Im referring to my XXXX XXXX file # XXXX
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (AL)

Inaccurate wrong and hurtful information being reported by Hunter Warfield to all of the 3 major credit bureaus. I do NOT have nor have I ever had a contract with this company. Nor have I gotten any form of communication from the company in regards to them reporting negative information on my credit report to the three credit bureaus. Which I find to be a violation of the FCRA laws. At this point no communication is warranted as damage has been done. I would like for them to VALIDATE with original signatures and contracts they have along with payments and amounts due pretaining to the alleged debt. If VALIDATION can not be proved, I demand that the negative reporting be removed from XXXX, XXXX, and XXXX immediately. if VALIDATION is found I have the right to request all findings sent to me within 15 days of the finding and demand 30 days to respond which is not likely as there are no contractual VALIDATIONS. Also this company has no business license with the state in which I live in.
Consumer complaint received 2015-08-17
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Subject : Request for Information : copy of my abortive VA Loan application paperworkBACKGROUND : I signed and returned a VA loan application to the Lender, but the financing fell through in UnderwritingPROBLEM : I asked by telephone AND emailed a request a copy of my VA loan application that I signed and returned and offered to pay any requiste fee ; but I was told " ... The application was not completed so the information contained on the application you filled out would be a working document for us. The application would have been finalized at closing and you would have signed in there.. '' EFFECT : Because my credit request was not approved, I would not be going to closing and there would be no other opportunity to get a copy of these important documentsSOLUTION : I would like Lender to send me a true copy of complete loan application that I signed. XXXX Cited : RESPA, the Privacy act and Dodd-Frank, as applicable. )
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAROLINA FINANCE, LLC (NC)

Please see attached copies of the - CAROLINA FINANCE , LLC   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , NC- XXXX  prior to the deletion that occurred in XX/XX/XXXX  per law. The original date of the first delinquency was  XX/XX/XXXX which has now been reentered illegally reflecting a date of 1 XX/XX/XXXX . Also, my credit score has taken a major hit as the account is reported as the first major delinquency as  XX/XX/XXXX  which was previously listed as  XX/XX/XXXX . I have attached a copy of the  XX/XX/XXXX  reported where it was aged off but it appears they are attempting to illegally re age the account to remain on the report.
Consumer complaint received 2017-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My account was hacked, I could see where money was moved around, insuffient funds were reversed, and items that was paid was reversed. The Chase Bank said that I owed them {$3000.00} plus dollars, I went to the bank two times, they told me on both times that I owed the money, I asked if I could make monthly payments, they told me no, I had my pay check and my social security checks going to the bank, Chase took both my checks, I had to borrow money from a friend to pay my rent so that I would not be homeless. I changed banks after XXXX XXXX, 2017, Chase said I still owe them {$130.00}. I am XXXX years old, it is really said when people can work with a computer and move your money around, very scary.
Consumer complaint received 2017-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Data Systems (NC)

I finally received a ledger of the amount that I " owe ''. The balance on the ledger states {$2700.00}. I have added this up several times and do not come close to that balance.
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

I 've been a victim of identity theft. On or about  XX/XX/XXXX  I 've obtain a  XXXX  Credit card and was given a free credit report. I soon then gotten a delinquent notification on my credit report. I then found out that I have a Macy 's CC that I never open. The last time that I applied for a Macy 's CC was back in  XX/XX/XXXX  and I decided not to use it because I only have a limit of {$100.00}. I soon called and find out that the Macy 's CC was open on  XX/XX/XXXX  and the person who did this was making payments on it. I called and ask about how this has happen and filed all type of paper work to get this fix. But it been about a year now and nothing has been fix. I submitted A police report followed up with a identity theft affidavit to help me get this fix. But Macy 's department keep denying my case for over 1 year now. I 've even got the purchase info for the person who was using the account and it was clearly a woman whom was using the account and yet the said it was me and denied my claim because they said that I open the account with me ID. But clearly this a identity theft issue. Macy 's has yet understand that. They will not give me the account number because they said it 's a identity account but after even saying that, they are still pursuing me to pay the amount that I never use or open up.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I submitted a permanent   XXXX   XXXX   by mail on  XXXX / XXXX /2007 to the address provided on the   XXXX   XXXX   web page at  XXXX  ( I have a attached a scanned copy of that request ). Nearly 10 years after submitting that permanent opt-out request ( during the request was honored ), I have suddenly started to receive new unwanted pre-screened credit offers without me ever asking to opt back in again. The credit reporting agencies provide NO way to contact them to find out why they are no longer respecting my prior permanent opt-out. This is unacceptable. Please make them comply with ALL permanent requests PERMANENTLY, as required by law. Thank you.
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (FL)

US Bank XXXX XXXX card : Misleading marketing about 0 % interest rate on balance transfer.
After balance transfer complete, entire balance ( transferred ) must be paid in order to avoid interest on new purchases. I was instructed on first call to pay minimum balance + all purchases from prior month and the next statement showed interest as well. After calling a third time, It was explained to me more clearly that UNLESS YOU PAY OFF THE ENTIRE BALANCE, you will get interest on new purchase. I found this language in the small print on the website.
Fine print : Important Facts Please review the promotional offer and/or your Cardmember Agreement for information regarding transactional fees and how interest is charged to your account.
Interest accrues from the transaction date ( unless the promotional rate is 0 % ).
It may take up to two weeks to process promotional checks or balance transfers. Please continue to make payments to those accounts you are paying with the balance transfer to avoid late fees and interest charges You can check to see if the balance transfer has posted to your credit card account by logging in to Online Banking.
You can only avoid interest on new or future purchases if you pay your entire account balance, including any balances you create with the balance transfer offer ( s ), in full by your due date each month, even if your offer has a 0 % APR ( Annual Percentage Rate ).
If your account is set up to be paid in full each month automatically, you will need to modify this option on your account or your entire balance transfer balance will be paid off in full on your next payment date.
You can not use a U.S. Bank balance transfer to to pay off a U.S. Bank credit product.
Consumer complaint received 2017-08-04
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. (TN)

XXXX/XXXX/17 I found out that Trans Union had a glitch in their computer system that deleted inquiries from consumers credit reports, by law I was not notified of the deletion, and reinsertion of files. I spoke to a person in credit services department, I was told it did not effect my credit file, then I was brushed off. I suspect that was not the truth, I have no way of knowing if it is true other than what I was told, I need to know for sure.
Consumer complaint received 2017-04-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

In the early part of XX/XX/XXXX we changed insurance companies because we got a better rate by combining our homeowners with our auto insurance. We prepaid the premium, cancelled our old insurance and notified Loancare. We asked them to remove the old insurance from our mortgage escrow payment since we now pay it directly from our bank account and sent them proof of coverage. They refused to accept our mortgage payment unless we also included our old insurance premium even though they have the verification of coverage from our new insurance. We are currently a month behind in our mortgage because of their refusal to follow through. We have repeatedly called with no results. We were told a supervisor was not available but we would be called back. We have not been contacted but have been told several times that our problem was being reviewed.
Consumer complaint received 2019-12-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (IA)

Charge off for Student loans. For school I didnt attend. XXXX on Nebraska and I only attended XXXX state was told I went to foreberance but my loans show regression on my score major
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase closed all of my credit card accounts without notice. For background information, I have been a Chase checking customer for the majority of my life and I have had credit cards with Chase since 2015. My credit score is in the high 700s and I have steady income from full-time employment. I have also never participated in  manufactured spending or card churning. I was given no notice by Chase and only found out that my accounts were closed when my cards no longer worked. I was able to speak to XXXX, the account supervisor, who was extremely unpleasant and told me that my accounts were permanently closed for the following reasons : 1 ) recent increase in credit usage on a newly opened Chase business card, and 2 ) lack of credit history that shows I can manage a high credit line. She refused to offer any more information when I asked  and declined to listen when I tried to state my case. Regarding the first reason ( recent increase in credit usage ), I explained that I had recently signed up for the Chase business card to which she referred because of a promotional XXXX Chase Ultimate Rewards offer if I met minimum spend requirements. I therefore diverted all of my other spending to this business card because I wanted to meet the minimum spend requirements as soon as possible. My plan was to redeem these rewards points for a vacation flight as I have not treated myself to a real vacation in over a year. I thought this was reasonable as to why I would suddenly increase spending on a specific new account. XXXX 's only response was " we just don't feel comfortable doing business with you '' and refused to provide any more information. Regarding the second reason ( lack of credit history that shows I can manage a high credit line ), XXXX told me that I had insufficient credit history to show that I could manage the high credit line on my newly approved Chase Sapphire Reserve card. I explained to her that it was Chase that not only approved me for the card, but also provided me with that high credit line. XXXX 's response was that the lending department uses different information from the reviews department and refused to provide any more information. I told XXXX that I was more than willing to take lower credit lines, but she seemed to take immense joy in reminding me that all of my accounts were already closed and that this was a permanent decision. I am highly disturbed that Chase would approve me for a credit card, extend to me what it perceives as a high credit line, and then use that as justification to close ALL of my accounts. This line of reasoning is seriously flawed. When I tried to tell XXXX that I was struggling to understand the reasoning behind the account closures, she told me that if I had no further questions, she would disconnect the call. I reminded her I didn't have any questions, but was still struggling to understand, she proceeded to disconnect the call.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (FL)

I have been a long standing customer with Discover Card. I called to make arrangements for a lower interest rate or to set up a hardship payoff. I was told they could not offer any assistance and that I would need to go through a credit counseling company or that I would need to allow my account to go into a non-payment or default status prior to them helping me. I have always made my payments on time and I think it is ridiculous I am paying XXXX
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE (NC)

I have attached a 38 page pdf file documenting my experience with Barclay 's Bank Card for a service I paid for that was not rendered. As you review the attached information you will see that I contested a charge from XXXX For Less to fix a transmission of one of my cars that I repeatedly had to bring back to them to fix which they never fixed correctly. Barclay 's Bank Card initially credited my account for this issue, but then put the charge back on my card based on the vendor 's hand written letter indicating that I had a 2 year warranty for the work performed. Based on this I continued to take the car back to this vendor to have it fixed correctly which was never done, then coming to the end of the 2 year period I resubmitted to Barclays Bank Card for this to be credited to my account which they responded that it had been too long for them to contest this with the vendor. You will see that I continued to contest this entire escapade with Barclays Bank Card and during that time they turned my account to their collections department while I was still engaged with their billing dispute department. Finally after over a 2 year dispute I agreed to settle with Barclays Bank Card with the condition no late payments would be filed with the credit bureaus which is the reason for my complaint. The fact that Barclays Bank Card says they tried to contact me for more information and I did not reply to them is insulting. You will see in the attached documents I contest the fact that I did not respond. My request is quite simple, although I am not pleased at all with this entire experience with the vendor as well as Barclays Bank Card I do not feel that late payments should have been reported to the credit bureaus causing my credit score to drop 77 points because I was still in communication with the Barclays Bank Card 's Billing Dispute Department trying to resolve this situation when they apparently flipped my account to their Collections Department. The last point I would like to make which I am sure you in your line of work are familiar with is that with well over 100 hours invested in my attempt to resolve this situation I was never able to speak with someone who had the knowledge and authority to help me with my problem. I repeatedly was told the same things as if they had a script which can also be seen in the attached correspondence. Finally the only thing I am asking for is to have the late payment reporting to the credit bureaus retracted based on Barclays Bank Card inappropriate handling of this situation. Thank you in advance for your help with this matter. XXXX XXXX