davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (OK)

I received a letter in XX/XX/year>, 10 days after the date it was printed from WFB without a signature, or direct contact line, stating that if I did not provide my tax returns by FAX or at a WFB branch in 17 days, my small business credit card, which I have had for 24 years would be closed. I am at my second home in OK helping my daughter with her XXXX XXXX year old while we wait for her to deliver a new baby. My primary residence is in TN. I plan to be here until XXXX. My taxes are in TN. There were only two ways provided to deliver the taxes, by fax or take to a WFB branch. My tax returns are dozens of pages. IF they were here in OK, it is {$3.00} per page to fax. WFB has closed all branches in OK, so I could not do that either. I sent a letter to XXXX XXXX, Head of Small Business cards, XXXX XXXX XXXX, XXXX XXXX XXXX, Delaware XXXX on the XXXX of XXXX. I have received no response. I called the phone bank number on the letter and asked for an extension. They said that wasn't possible. I filed a Case with Wells Fargo, Case # XXXX. I received the same response, " send taxes by XX/XX/XXXX or we are closing your small business card. 

I want an extention to file my taxes until XXXX. I don't believe it is fair to demand this on such short notice. Wells Fargo again, demonstrates they could care less about the 24 year relationship I have had with them.
Consumer complaint received 2024-08-13
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: CITIZENS FINANCIAL GROUP, INC. (PA)

I contacted Citizens bank a month ago to provide me copies of checks that I wrote from my heloc account, it has been a month and they have not given me teh requested document I have talked to several customer service representative including 3 supervisors ( XXXX XXXX  and one other guy do not remember his name ). Every time they give me a new case no and tell me to wait for 3 business day, I have 5 different case numbers without any resolution. They also told me that the checks are not available because transfers were online, which is a complete mis information since I have no and amount of checks I wrote and statement when those we re cashed out
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

As I read Chase banks response, to my previous complaint about customer service, they correctly acknowledge that their response to my request was not granted. But notably, the options they offer did not include mailing payments in response to receipt of paper statements from the bank. Therefore, I am requesting that Chase bank process and mail me a monthly paper statement for two very important reasons to me, the customer. 1 ) My XXXX  and physical health is my top priority, so I do not want to experience the inherent stress required to navigate the banks automated payment system. I have experienced it more that once. XXXX ) It is very important for me to monitor my credit cards processing transactions and other related activities. I am also requesting that from XX/XX/2024, that my due date for payment be changed from the XXXX of the month, to the XXXX so that there is adequate time span between receipt of my statement and mailing. I expect that since this request is standard procedure it should not be denied. I checked online and verified that Chase offers this service at no extra charge.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my SECOND endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX Balance : {$1100.00} ; US DEPT ED XXXX Balance : {$3500.00} ; USDOE/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XXXX I was charged an annual fee for a line of credit on my primary home. In XXXX  I received XXXX letters stating that fifth third bank was exiting my line of credit and I had until XX/XX/XXXX to pay off the remaining balance. 

On XXXX I paid off my balance Fifth third bank charged me an annual fee and then after I paid the loan off refused to reimburse me the fee. 

I think this is wrong that a bank can charge me for a service and then not provide the service. 

I would like the annual fee that I paid reversed and sent back to me please.
Consumer complaint received 2024-08-04
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: JPMORGAN CHASE & CO. (PA)

I am a Chase Marriott XXXX XXXX cardholder. I ordered XXXX dresses from XXXX and XXXX in XX/XX/year>. Two of the dresses arrived on XX/XX/year>. They were not a fit, so I returned them. Two of the dresses never arrived. I was charged for all four dresses totaling {$1900.00}. I thought perhaps there was an issue with the carrier or the items were back ordered, but weeks later, the items still never came. I logged in often to check the order status and the status was stuck at these items will ship soon. By XXXX, I filed a dispute with Chase. Chase allegedly got in touch with XXXX XXXX XXXX and claimed that the charges were appropriate and closed the dispute. I was very upset and tried to find ways to get in touch with XXXX XXXX XXXX myself, but it appears that there is no longer a functioning customer service number and they did not respond to any of my emails. I re-opened the dispute through Chase, with all screenshots proving that the items were not received, and I corrected the amount owed, which was {$970.00}. Chase closed the dispute again, claiming the charges were valid, input the wrong claim request, and there is NO WAY they got in touch with XXXX and XXXX. Im very disappointed in the lack of care towards Chase cardholders.
Consumer complaint received 2024-08-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (FL)

Second mortgage dated XXXX a default judgement was place in XXXX in which I was never notified, company that originated the loan has since gone out of business, Only reason I found out about it was I did a property search and found an open lien, my attorney reached out to Real time resolution to obtain a satisfaction of mortgage on my property. Since the lien was places back on XXXX the statue of limitation has expired and since original lender did not enforce or foreclosed the judgement and never renew the judgement they are illegal holding a claim which is not enforceable. I paid attorneys and spent a tremendous amount of time finding out that the statue of limitation on a judgement is 10 years, the company that bought the loan and submitted documents that they now have the right to collect has not followed the letter of the law and refuse to assist. I was never served any documents in XXXX. I live in XXXX  but have property in XXXX XXXX. I am submitting proof by there XXXX words that the statue of limitation has expired in a letter they sent, .i need a SATISFACTION of mortgage and a release as per your own words the account was charge of on XX/XX/XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Billing error 15 USC 1666b XXXX car XXXX and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : I maintain an open-end credit account with Bank of America, account number Finance Charges and Credit Indebtedness : It has come to my attention that XXXX XXXX has not credited my account with dividends derived from treasury coupons via the ETF Act. These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. 
XXXX Forms : Additionally, Bank of America has failed to provide me with all copies of Form 1099 for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. 
Timely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. 
Certificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

I apply American Express XXXX XXXX XXXX XXXX everyday in the end of XXXX via using XXXX XXXX website.Card offer was Welcome bonus/15 month zero APR.American express now saying that because i have this card before in past so we can not offer you Zero % Apr for XXXX  month.They charge me interest on my balance XXXX XXXX {$98.00} and XX/XX/XXXX {$130.00} which not make any sense i call and request to add my XXXX % XXXX in card but still charging me and trying to make money.I want my Balance back in card that American express charge me as interest and want that company add my XXXX % XXXX for XXXX  Month.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a Capital One Venture Rewards card earlier this year. Capital One instead approved and sent me a Venture XXXX card. This is a different card with a much higher monthly fee. I never applied for the Venture XXXX card. They allowed me to cancel the card but now they wont issue me a new credit card, and I believe that the process of being approved for, and then immediately closing, the Venture XXXX card has hurt my standing with other banks, and negatively impacted my credit.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Due to processing times, my payment processed 1 day after the monthly deadline. 

I called and showed them that i made the payment on time and they provided a reversal of the status as a courtesy. 

I am attaching the email so that my report can be fixed
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Somebody made unauthorized 2 bill pays from my XXXX XXXX checking account to Capital One credit card XXXX. Account name is XXXX XXXX. Total amount of 2 billpays is $ XXXX Please reverse this amount to me. It is for XXXX XXXX XXXX and I am XXXX XXXX XXXX. Please help me so I can no longer suffer. 


XXXX : unauthorized bill pay $ XXXX unknown person used my checking account to make a credit card payment to Capital One for {$3100.00}. 
The capital One credit card number ends with XXXX and the name of account is XXXX XXXX. I do not know her or him. Reported XXXX XXXX on XXXX XXXX. XXXX case no. is XXXX. 

XXXX : unauthorized bill pay $ XXXX unknown person used my checking account to make a credit card payment to Capital One for $ XXXX The capital One credit card number ends with XXXX and the name of account is XXXX XXXX. I do not know her or him. Reported XXXX XXXX on XXXX XXXX. XXXX case no. is XXXX. 

I enclose all the proof. 
-Police report -unauthorized payment proof for $ XXXX -unauthorized payment proof for $ XXXX XXXX XXXX statement XXXX XXXX letter XXXX Thank you XXXX XXXX
Consumer complaint received 2024-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

MAILED ( CERTIFIED ) VERIFICATION LETTERS FOR COLLECTION ACCOUNTS TO ( XXXX / XXXX / TRANSUNION ) ON XX/XX/year> MAILED ( CERTIFIED ) CREDIT REPORT HIGHLIGHTING INACCURACIES TO ( XXXX / XXXX / TRANSUNION ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX PROOF OF PAID ACCOUNT TO ( XXXX / XXXX / TRANSUNION ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX XXXX  PROOF OF PAID ACCOUNT TO ( XXXX / XXXX / TRANSUNION ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> )
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Law Office of Michael J. Scott, PC (VA)

I sent a formal letter to XXXX XXXX XXXX stating how reporting information that they know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Specifically, section 607 of the Fair Credit Reporting Act ; Compliance procedures [ 15 U.S.C. 1681e ]. Every step must be taken to assure the information reported is completely accurate and correct. Pursuant Section 611 in the Fair Credit Reporting Act, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], inaccurate or unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account. I respectfully asked the account be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature ; or be removed from my report.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Absolute Resolutions Corp. (VA)

I sent a formal letter to Absolute Resolutions Investments stating how reporting information that they know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Specifically, section 607 of the Fair Credit Reporting Act ; Compliance procedures [ 15 U.S.C. 1681e ]. Every step must be taken to assure the information reported is completely accurate and correct. Pursuant Section 611 in the Fair Credit Reporting Act, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], inaccurate or unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account. I respectfully asked the account be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature ; or be removed from my report.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I reviewed my XXXX statement and i notice that a finance charges of {$3.00} was posted to my account in XXXX XXXX. The previous balance has been paid in full and no finance charges should have been accessed to the account, I called the customer service line yesterday and try to resolve the issue, but the customer service agent can not explain how the finance charges were accessed except for it is a system generated. The agent keeps on changing the story when i challenged her as she can not explain how it is calculated. The current balance on this account is {$0.00}
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (MI)

We probably started the request to remove PMI early this year. In XXXXXXXX XXXX XXXX, we paid {$150.00} to have the process started and have heard absolutely nothing regarding our request. An inspector or appraiser was out to our house at the end of XX/XX/year> taking pictures. By our calculations, we have well over 30 % equity in our home and don't understand why this is taking so long! In the meantime, we continue to waste our money and pay {$43.00} in PMI every month. We are also hoping that part of this resolution is to reimburse us for continuing to pay this PMI for XXXX, XXXX, and now XXXX.
Consumer complaint received 2023-09-26
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Starting around XX/XX/year> I noticed a text alert Id missed on XX/XX/year> asking if I had made a purchase around XXXX, I replied no and then called BJ 's Capital One and was redirected to their fraud dept. I must have spoke to a half a dozen people to try to get the matter resolved. They kept saying they couldn't tell me anything, or even close my account because I had to prove identity. I tried to send pictures on the link they sent to my phone over and over again but they kept saying it was blurry, I tried the email link they sent but it would not work, said something about files being to big which I cant understand because it was just a picture of my photo ID. I mailed a copy of my license front and back with case number, DOB, address, phone number... everything they asked. they said they received it on XX/XX/year> but it was unacceptable, when I asked why they said it was blurry! It wasn't and I have a copy to prove it. So I sent another but this time had it printed 2x larger at a printing company and included all the information again including a copy of my BJ 's Capital One bill ending in XXXX to show its my bill and I have been paying. I called today and they said the finally received it but its unacceptable but they cant tell me why. They cant tell me anything. I've called about XXXX times and have to explain it over and over to a new person each time, these people can barely speak XXXX to boot and I feel uncomfortable giving them my information as it is. It feels like some kind of scam! I just read a blog saying that others had similar situations having to keep sending proofs but weren't accepted. One said that they do it because they really don't want to give that person a card. Well I had asked if I could just close the account but they said no. If they really don't want me then they should just be honest instead of causing me duress and anxiety, unnecessary trips, postage, time etc. they say they cant tell me anything, close my account but they keep taking my payments and just gave me a higher credit limit! in the meantime my card is in limbo.
Consumer complaint received 2024-07-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

My Landlord and a Maintenance man BOTH came to my door, and asked me if I would be interested in a XXXXXXXX XXXX XXXXXXXX deal. Meaning if I moved out by a certain day, they will erase the balance. I negotiated a couple extra days with them, and I moved out. They had me sign it right in front of them, and I did exactly as required. Months later, they sent my old home address a collections document that I then disputed, and it was removed immediately. But then that same amount was put back on my Credit Report maybe a month later. Ever since then, ive been disputing the account with XXXX who have " verified as accurate '' 4 times now.
Consumer complaint received 2024-07-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TX)

As a XXXX XXXX with a 100 % tax exemption due to total and XXXX  XXXX, I am currently facing a significant issue with Newrez, my mortgage servicer. Despite my tax-exempt status, I continue to pay the same mortgage amount as when I initially occupied the property. This situation has persisted despite my proactive efforts to rectify it. 
On XX/XX/year>, I submitted the necessary paperwork to Newrez to reflect my tax-exempt status. However, as of XX/XX/year> - a period spanning XXXX months - there has been no adjustment to my escrow or overall mortgage payment.

My attempts to resolve this matter have been met with what I perceive as evasive responses from various departments within Newrez. Over the course of three months, I have made 6 to 7 phone calls seeking resolution. On XX/XX/year>, I was informed that Newrez refuses to conduct an updated analysis of my account, citing the need for a tax bill to complete this process.

When I questioned whether this treatment was standard for XXXX, particularly XXXX XXXX, the representative merely reiterated that these were the company 's policies. She instructed me to obtain a tax bill from the tax company, despite my explanation that I had already provided documentation of my tax-exempt status. The representative remained inflexible, insisting that this was their established policy. 
This situation is particularly concerning as I estimate that Newrez now owes me over {$13000.00} in escrow funds. Given the circumstances, I am growing increasingly worried that Newrez may be taking advantage of XXXX  like myself. This experience raises serious questions about the company 's practices and their treatment of individuals with protected statuses, such as XXXX XXXX.