davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (MN)

I have been a XXXX XXXX XXXX XXXX holder since 2004. I very recently moved. I updated my information on my credit card account online and also by phone. XXXX sent me a new XXXX XXXX XXXX XXXX to my new address. I activated it online. An email from XXXX confirmed that the card was activated. 
Unfortunately, each time I try to use the card, it is not accepted. 
Checking my account online confirmed my information is correct. My attempts to resolve the issue were not successful. 
Today, I paid the balance remaining from the old card ( {$24.00} ) at a XXXX store in person using the new credit card. The card was accepted for the purpose of making a payment. 
I called XXXX XXXX Services, and after another unsuccessful attempt to resolve the issue, I asked that my account be closed. The card services representative refused to close the account, refused to provide information about how to close the account, and further, repeatedly told me that the account could not be closed.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ray Klein, Inc. (CA)

Received XXXX calls since XX/XX/year> to XX/XX/year>. They do not indicate my name, account number or my social when leaving the message or, date when called, same recorded lady voice on every message. I have never received correspondence letters from anyone saying I have a debt owed from them or any other company. I have check my credit reports and county records looking for judgements and I show none and my accounts are up to date. 
I do not want to reach out to companies like this due to fearing being scammed and taking my personal information. Please get this to stop. The that says us calling is XXXX and they say to call back at XXXX.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (OK)

I just spoke with XXXX at carnival cruise master card through Barclays. They told me theres a balance from the interest on the account that was closed and was supposed to be 0 % to begin with. That was from the previous complaint, but since they responded to that one, I was unable to add this additional, new issue.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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

Account Name : XXXX XXXX XXXX  # XXXXXXXX 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. 

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

15 U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which autodates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-14
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

I have filed XXXX disputes over the last few months and I am now under investigation for fraud even though I did not make those charges. They said the charges show XXXX XXXX and mobile payments all coming back to me and no other phone or devices. I did not make these charges but I do not want to deal with fines if I am charged as responsible.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIBANK, N.A. (WA)

I began searching for a home in early XXXX and secured a pre-approval from Citibank for {>= $1,000,000}, with a loan amount of {>= $1,000,000}. Based on this pre-approval, I signed a contract for a home worth {>= $1,000,000} on XX/XX/XXXX, with a closing date of XX/XX/XXXX. I initiated the loan process with Citibank on XX/XX/XXXX, and provided documentation for my income, which includes a base salary and restricted stock units ( RSUs ) from XXXX. 
However, during the underwriting process, Citibank failed to understand the XXXX compensation process and ignored my RSU vesting dates, which significantly impacted my income calculation. Despite providing detailed explanations and documentation, the underwriter team remained adamant and only considered a fraction of the actual income I will receive from vesting RSUs in XXXX. 
This misunderstanding caused significant delays and churn in the loan process, resulting in 10 days delay and putting us at risk of losing the home. To avoid further delays and secure the loan, I accepted a lower loan amount of {>= $1,000,000}, despite not agreeing with the income calculation. This required me to arrange an additional {$300000.00} for the down payment in a short amount of time. Despite this, Citibank continued to delay the loan approval. 
To cover the shortfall, I decided to sell some of my recently vested RSUs, which incurred a high tax liability of 37 %. This increased our household income to over {$600000.00}, placing us in a higher tax bracket. I additionally took a loan from our XXXX account. Despite these challenges, we requested our seller to consider moving the closing date forward to avoid losing the home. Unfortunately, our request was denied, and we ultimately lost the house due to the unnecessary delays caused by Citibank 's misunderstanding of my income.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am requesting a reinvestigation. There is a myriad of errors being reported the bureau placed a significant number of inquiries on my credit without my consent and by them doing so validated these unauthorized and incorrect inquiries. I did not give my consent to any of these companies to run my credit and I am a business man and these errors are effecting my ability to properly run my business.
Consumer complaint received 2018-05-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (VA)

I had a home equity line of credit with Suntrust bank with XXXX  balance but because there was a lien on the property my home insurance claims adjuster made the check out to me my wife and Suntrust bank. I discussed with the claims adjuster what if we closed the HELOC as there is no money owed on it and showed no mortgagee clause on my home owners insurance policy can he issue the check just in our names and the answer was yes. Upon our arrival at the bank I was told by XXXX XXXX as the amount was in access of {$15000.00} the check will have to be mailed out to their office in XXXX to be endorsed When I asked them to close the equity line another person at the bank XXXX XXXX said it will take 30 days or so to get the lien released and delay the process but they can send the check to XXXX and I will have it back in 2 to 3 days, this was on XX/XX/XXXX. I waited for the check till the XX/XX/XXXX no check so went back to the bank and spoke with XXXX XXXX and cancelled the equity line, and removed the mortgagee clause from the insurance policy and requested the claims adjuster to re- issue a check just in our name, as he was working on issuing a new check it came to his attention that the original check was already cashed by the bank, how could they cash a check made out to us and them without our endorsement, this happened on XX/XX/XXXX so went back to the bank and spoke with the manager XXXX XXXX hoping to get a check from them to no avail I am still waiting to hear back from them, they in my view they have committed a fraud by cashing this check. 
take
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

As XXXX XX/XX/year>, I went to the ATM to make cash credit card payments. The first payment of {$1000.00} was processed successfully. The second payment, which I did not count precisely due to being in a hurry but estimated to be between {$1000.00} and {$2000.00}, was not processed because the ATM jammed. The ATM provided a receipt with the following message : " We apologize for the inconvenience. We are unable to process your request and can not return your items. Please contact our Electronic Claims team at XXXX to discuss this transaction. '' I immediately contacted the provided number and spoke with a representative. I informed her of my uncertainty about the exact amount, and we agreed to report the higher estimate of {$2000.00}. We both assumed that the bank would audit the ATM and credit me with the correct amount. 

In XX/XX/year>, I received a letter stating that {$2000.00} was not found and that my credit card would not be credited. Frustrated, I called back and was informed that I needed to provide an exact amount for a reinvestigation. I then reported the lower estimate of {$1000.00}. 

Today, XX/XX/year>, I called for an update and was told that no discrepancy was found with the ATM and that no credit would be issued. I requested the ATM footage to prove that I had entered cash, but was informed that a subpoena is required to obtain it. I even mentioned the receipt the ATM provided ( with a transaction and an exact date and time ) to prove that I did enter cash and the ATM gave me the receipt as an error but you the representative did not seem to care. 

I am dismayed that an established institution like Bank of America can not verify my deposit through their surveillance, audit, or backlog ( my receipt ) and claims that the ATM balanced with no overage. As a result, I have lost $ XXXX with no apparent recourse.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AK)

On the XXXX of XXXX, XXXX, and XXXX I have been charged a {$25.00} service fee for being under the {$20000.00} in total between checking, saving, and CD required to have a premier checking account with Wells Fargo. 

This is due to the Wells Fargo app telling me my direct deposit is available 3-5 days before the XXXX. It will show I have my direct deposit all the way until the end of the month, but then when the XXXX rolls over my statement will show that I was never given the direct deposit until the XXXX, which then puts me under the {$20000.00} total required. 

I contacted their primer checking hotline and was essentially told that I should wait until the XXXX of the month to make any purchases to ensure I am not spending money I do not have. I repeated multiple times that the app is telling me I have the funds and was notified that the funds were available multiple days before the end of the month. 

They put in an escalation ticket after I requested to speak to someone higher. Then I got an email from the escalation team essentially saying that the fees were just. The escalation team did mention the XXXX fee was waived, but the other XXXX were staying.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery is contacting me about a debt from XXXX  which was already " removed '' from my credit report. It was a debt with XXXX XXXX, and I have a account with XXXX XXXX today in good standingXXXX XXXX XXXX is XXXX on debt collection.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (MI)

( 1 ) Identity was stolen and someone opened multiple Charles Schwab account on my name. 
( 2 ) Apparently Charles Schwab has very low standards. So its used by hackers and fraudsters. 
( 2 ) They used Charles Schwab to move funds from my XXXX account to Charles Schwab and then out from there. 
( 3 ) I contacted Charles Schwab when I saw the issue. Charles Schwab has not closed my account since then. Contacted them multiple times. Accounts are still open. No help on cyber or risk managment from Chales Schwab. 

I stopped by their branch and they dimissed me with an 800 number. 
The 800 number they gave me did not help either. 

My accounts are still open and the hackers are probably still using it.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

I received a letter from Spring Oaks Capital about a debt I allegedly owed. I have never done business with this company before, so I sent them an email asking for debt validation to their provided email. I havent received anything from them and they reported this account on my credit reports. This is a violation of FDCPA because they are reporting an invalidated debt. I believe this is a fraudulent account because they still havent sent me any form of validation.
Consumer complaint received 2024-06-18
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

I submitted claims with the Delta American Express Fraud Department in XXXX, XXXX and provided all of the supporting documentation to ensure that Delta American Express would process the fraudulent amounts off of my account. However, they did not process the claims, nor did they attempt to process the claim. They simply denied the claim without due process or review. Multiple attempts to contact Delta American Express went unanswered with no recourse. They closed my account and placed the account in collections despite the attempts to contact and provide the documents again. 

XXXX proceeded to send me a tax statement showing that the charged-off amount was written off, however they refuse to remove the collections amount from my credit report as well. 

Additionally, Delta American Express refused to follow SCRA guidelines and Laws and make the proper adjustments to my accounts.

I would like for Delta American Express bank to refund me all of the money owed to me with interest, provide all documents and adjustments needed to rectify the damage that has been caused to my credit. I would also like my Delta American Express Credit Card Account privileges reinstated should I ever desire to apply with this company in the future.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/2019 - all my BOFA accounts were closed due to a banking decision. I respect it but there is an error and I did not do anything wrong. I paid for everything on time - nothing bad. I want to discuss with someone why I get blacklisted. Please contact me.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (NH)

Our monthly mortgage payment is {$3900.00} which is paid by check monthly. We were behind payments, and we called Rocket Mortgage to advise them payment was forthcoming. The agent requested payments be setup by ACH and I declined that offer on a recorded line and advised them payment would be made as we ususally do by check. In fact, payment of {$8300.00} on XX/XX/year> was processed by Rocket Mortgage. On XX/XX/year> Rocket Mortgage overdrafted our account by withdrawing {$8300.00} from a savings account. This would provide TWO MONTHS of mortgage payments ahead of what we paid. We, overdrafting us by over XXXX. We now have no money to feed our children, farm animals or pay any other bills. We were glibly told this would continue to occur by phone and that return of funds would take 5-7 days. Our kids can not wait 5-7 days to eat. We were current on our mortgage. This is egregious.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

Dept of Education is reporting a XXXX  day late payment on all of my accounts. There is not a XXXX  day late payment as the loans have been in deferrment and were also apart of covid 19 declaration. 

This is innacurate reporting as there are no XXXX or XXXX  day late payments there for its inaccurate to report a XXXX  day late payment again with loans being in defferment status
Consumer complaint received 2024-06-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (GA)

You are now put on notice again to stop all collection activities and reporting. I am revoking that now. 
My demands are as follows : For account # XXXX To provide me with the audit trail which included 1. Account File 2. Ledger 3. All accounting documents 4. All transactional history 5. True Invoice- Not Statements Please be sure to provide everything demanded in this notice. If you are unable to provide the demanded information you must delete these accounts immediately. If you fail to communicate to the consumer reporting agencies that this debt is in dispute, that would be a violation according to 15usc 1692e ( 8 ) false and misleading representation. The law is very clear as to the civil liability and the remedy available to me, according to 15usc 1692 ( k ). Furthermore more failure to honor this requested demand will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained.

Please be aware that freezing this account has not been updated to my credit report.

You have 14 days to reply.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (TN)

XX/XX/year>, Chase Bank has been in the practice of picking and choosing when to process transactions for bank fees, in this situation they waited to charge my bank account did not have enough money in it, enforcing this particular transaction that they should have processed XXXX weeks earlier, I called them on this date to challenge the transaction and they refused. The proof that they're doing this type of practice is the date that they let this transaction process which is a day before I get paid, Wednesday. I am accusing Chase Bank of discriminating those with XXXX particularly veterans thinking we're too old or too feeble to figure out the fees before my check hits. Just in brief if there's no money in the account no transaction should go through.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My account with ( CREDITOR NAME ) 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 in ( MONTHS REPORTING LATE ) 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.

( CREDITOR NAME ) 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