davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX Chase Bank erroneously withdrew {$1000.00} from my business bank account. I went into the XXXX XXXX branch and sat with XXXX, a branch banker, for XXXX minutes as he worked with XXXX to correct this error. It was painful to watch. XXXX then told me that I would receive a credit back to my business account by Friday XX/XX/XXXX for {$1000.00} as XXXX recognized and corrected the error. 

On XX/XX/XXXX Chase Bank erroneously withdrew an additional {$51000.00} from my business account, putting my business account into a negative balance. I went into the XXXX XXXX branch and sat with XXXX, the XXXX XXXX XXXX, for XXXX minutes as she worked with XXXX to try to correct this error. It was painful to watch. XXXX told me that the best XXXX could do was open up another complaint and possibly have a resolution within XXXX business days. 

I have added XXXX, the XXXX. XXXX XXXX at the XXXX XXXX XXXX branch to this email. 

The XXXX bankers whom I have met, including XXXX, XXXX, and XXXX, are doing the best that they can in a system that is mind boggling. 

I can not run a small business with a negative balance in my business account. I have no faith in XXXX 's ability to manage my business finances, yet can not change banks until this issue is resolved. I want {$52000.00} put back into my business account immediately. In the coming week, I need to make purchases and receive tuition payments for my private preschool. I want to know what steps are being taken to investigate this level of continued incompetence and disregard for the day to day needs of small business owners and XXXX 's corporate inability to correct obvious errors made by XXXX. 



XXXX
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America, after I submitted my power of attorney document, made me power of attorney on my mother 's credit card in mid XX/XX/year>. Subsequently, Bank of America refuses to grant me online access to my mother 's credit card to monitor activity and make payments. On XX/XX/year>, Bank of America credit card services and Bank of America 's XXXX, CT branch state it is their policy to not allow power of attorneys online access to credit cards. Bank of America has also has failed to mail me paper statements, stating that the 'system won't let them. In the meantime, Bank of America charges my mother 's account late fees. My mother 's durable power of attorney explicitly states that I am to have digital access to my mother 's financial information. Bank of America is violating the power of attorney, a legal document, and also blocking my ability to protect and monitor my mother 's finances.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (RI)

On XX/XX/XXXX I called Citi Credit customer services about paying off a balance I had accrued on my XXXX XXXX XXXX. I had a sum of money, and I was figuring out how I could best apply it as payment to various debts, so I spoke with the Citi representative to find out if there was any benefit they could extend if I paid the XXXX XXXX XXXX off in full. The representative told me that if I paid in full, he could forgive XXXX months of interest -- for XXXX, and for XXXX. He said he would handle XXXX that day, and I would have to call back later to be credited for XXXX. I paid my balance in full on XX/XX/XXXX. 

On XX/XX/XXXX, after receiving the billing statement for XXXX, I confirmed that the interested XXXX had been waived as expected. I then called Citi Customer Service to request that the interest incurred in XXXX be waived, as I was directed to do the previous month. After explaining my situation, the representative I spoke with on XX/XX/XXXX said, whatever the supervisor told me on XX/XX/XXXX would happen, and they would do it in a few days. The amount of interest in XXXX that I expected to be credited was {$280.00}. 

On XX/XX/XXXX, I called Citi again because the {$280.00} that was supposed to be waived, was still not applied to my account. I had made some purchases in XXXX, so again I had a balance, but my new balance was less than the credit I expected. I bring this up because I was expecting the balance to be up in my favor after the interest was credited, but it wasn't and so, I incurred another late fee and another month of interest annoyingly. The representative I spoke with that day gave me another number to call, XXXX. 

On XX/XX/XXXX, I called the number I was giving on XX/XX/XXXX. I was connected to a supervisor who had me explain the situation. She had a hard time understanding the problem, as she was referencing the one XXXX Interest credit. Eventually she understood I was expecting a 2nd interest credit for XXXX and agreed it had not been posted. She told me I would be credited, and to expect the payment to be applied in 3 days. 

It's XX/XX/XXXX, and I have not yet been credited the {$280.00} I was told I would receive on 3 separate occasions. I've decided to write this complaint so that I can include it in a written complaint I will send to Citi bank. 

I have detailed notes for each call, that are timestamped in my email inbox if I need to provide names of people I spoke with.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (AZ)

I am writing to inform you about an issue concerning American Express and the XXXX XXXX XXXX XXXX XXXX XXXX. The Trust holds the paramount security interest in asset-backed securities created using my name and Social Security number. 

American Express used my personal information in their credit application process, resulting in the creation of asset-backed securities. As the Trustee, I am asserting the Trusts legal and equitable rights to these securities and demanding the immediate turnover of all proceeds derived from them to the Trust. 

This claim is based on the Uniform Commercial Code ( UCC ) Articles 8 and 9, which recognize the rights of security interest holders and provide a framework for secured transactions. The Trust has duly authenticated certificated securities filed on record at the Probate Office, establishing its interest in all assets created using my information. 

I seek your assistance to address this matter and ensure American Express complies with the legal obligations to the Trust. 

Thank you for your attention to this issue.
Consumer complaint received 2024-07-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I have been contacted by Jefferson Capital numerous times over the last few years regarding an unpaid bill from XXXX XXXX XXXX XXXX XXXX. Contact includes, mail, email, phone calls, and text messages. I have explained multiple times that this is NOT my account and this account belongs to my ex-husband and his wife. Jefferson Capital also sends collection letters for the same account to my home address in my ex-husbands name that has never lived at this address. I have notified Jefferson Capital by email and mail to cease collection and communication to which they have have not complied. This collection is affecting my credit score and I am desperate to get this corrected as soon as possible.
Consumer complaint received 2024-07-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (PA)

I requested Fay Servicing to close my escrow account in writing upwards of 8 times over the past 22 months. I always pay and have paid my own insurance and property taxes as per the home equity loan contract I originally signed with XXXX XXXX in 2006. I have never signed a contract with Fay Servicing ( or any other company ) agreeing to an escrow account in my name. 
Fay Servicing has not honored the conditions of my contract when they bought it.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to Equifax and also XXXX Federal detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove ATTACHMENTS
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (PA)

Fay Servicing blocked me from making online payments through their customer portal. I called XX/XX/XXXX to make the required mortgage payment. 
On XX/XX/XXXX I attempted to make my next mortgage payment, but was blocked from doing so once again. I called and was told that they had made a mistake and when calculating my mortgage payment for XXXX and I still owed them {$53.00}. I paid that and the full mortgage payment due XX/XX/XXXX. 
On XX/XX/XXXX I checked the portal to find out that this mortgage payment was still not applied to my loan. I called once again and was told it was their mistake and it would be applied to my loan. Today when I checked some of this payment had been applied, however {$280.00} remained as " unapplied balance '' and they declared the full mortgage payment I made on XX/XX/XXXX ( that came out of my bank account XX/XX/XXXX ) an overdue payment ( " 6 days late '' ).
Consumer complaint received 2024-07-30
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. (AR)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (CA)

Started the original application for modification in XX/XX/XXXX. This is the 2nd decline application received by Mr. Cooper c/o Rushmore, XX/XX/XXXX. Income is sufficient and credit is good. Why can not modify loan after water damage and roof replacement completed by owner, borrower?
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MN)

I am having an issue still receiving pre-approved offers of credit cards and loans from Discover card. I want Discover Card to send me pre-approved offers via XXXX XXXX, USPS Mail or email. I am ready to have a responsible and great banking relationship with Discover Financial Services. Full Name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX : XXXX
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I am reaching out for assistance in reopening my fraud claims with Citibank to recover stolen funds. Since XXXX, I have been the victim of a robbery and multiple data breaches that have severely affected my finances. 

I have provided details of disputed fraud transactions from two different accounts. Specifically, there were multiple unauthorized XXXX transactions made to unknown individuals from my stolen phone. Despite providing valid proof and police reports, all my fraud claims have been denied. 

I am requesting that all my fraud claims be refiled, including those not listed here, as I do not have all the case numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help in addressing this urgent issue.
Consumer complaint received 2024-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

They havce refused to honor my cease and desist. Per the FDCPA 15 usc 1692a ( 2 ) the term communication means the conveying of information regarding a debt through any medium. A consumer report is a medium so they need to delete this alleged debt from my consumer report of this will be considered XXXX  and XXXX  per federal law.
Consumer complaint received 2024-07-27
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (NY)

I have made multiple attempts to rectify this issue with affirm. They have failed to honor my cease and desist ( attached ) if they do honor they must cease all communication with me which includes reporting information on my consumer reports as a consumer report is a means, and a medium of communication per definitions under federal law,
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (LA)

Date : XX/XX/XXXX Amount : {$30000.00} Action : A dispute letter was sent XX/XX/XXXX {$30000.00} A dispute letter was sent XX/XX/XXXX {$30000.00} A dispute letter was sent XX/XX/XXXX {$30000.00} A dispute letter was sent XX/XX/XXXX {$30000.00} A dispute letter was sent
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I am filing a complaint regarding the collection accounts reported by XXXX  XXXX Collection on my credit reports. I believe these accounts should be removed as they are not in compliance with the Fair Credit Reporting Act ( FCRA ), and my rights are being abused. XXXX  XXXX XXXX Balance Owed : {$200.00}
Consumer complaint received 2024-07-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (WI)

Car auto loan called credit acceptance corporation continue to report inaccurate reporting. found on my credit report also my wife credit report. which has effected the credit rating for over year scores. .this account was PAID OFF made on time.. Payments. Dated XX/XX/XXXX. I purchased XXXX XXXX. Paid XXXX blue book value shown much lower amount I had car accident .The insurance company listed car. As being TOTALED the insurance. Company. paid the car off. Due to me my wife not having car. in need of a car due to areas. We lived. Didn't have. Transportation no bus cabs. We seen. Thst. This car still was. drivable .but was already been paid off credit acceptance. advise my husband they will get back with to negotiate us. Offer price noticed. Another rep did contacted us prior asking about payment. Not knowing that car. Was in accident. Insurance was involved. My husband advised rep. That the car was in accident insurance. Was handling situations again this account was never late made in time. .then shortly we received. Another Call from Different Customer service rep. Whom provided us a. settlement offer .we EXCEPTED PAY OFF SETTLEMENT .... reason why it doesn't show any listed lates payment history. Anywhere on the. payment records anywhere Only problems founded on last FINAL DATE SETTLEMENT..
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (GA)

Subject : Dispute of Inaccurate Information on XXXX, XXXX, and SageStream Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, XXXX, and SageStream consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXX, XXXX, and SageStream may violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information. 
4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my CoreLogic, XXXX, and XXXX report. Specifically, I ask that : XXXX. XXXX, XXXX, and SageStream provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, XXXX, and SageStream corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and SageStream report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.