davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: M&T BANK CORPORATION (PA)

I applied for a loan modification from M & T Bank. I used XXXX XXXX XXXX XXXX in XXXX XXXX. I was approved by the agency after filling out form & submitting information for a PHFA/HEMAP modification. It was sent to M & T bank on XX/XX/year> from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I posses copies of the actual filing. The bank claims they have never received this application under my name. When the bank received this application they processed it under my ex husbands name, his address & his credit information. This I have been told is a SEC violation, Federal Identify Misuse & a DOJ violation. My ex received the notification of the application of XXXX his address & name. He cancelled the application, the denial of the application is in his name & address. I did show a copy of the letter to the bank manager where the loan was originally started. The problem with this is that we dont have anything to do with each other, his name is not on the original loan, the deed, the will or any other legal paperwork. My & T wont find my application under his name. I have files of paperwork from a court hearing with M & T denying this. I have lost my home due to the fraud of M & at bank. I can not access the paperwork sent to my ex due to the fact that it is in his name & address not mine. Together we did use the bank M & T bought out for 3 other mortgages. It is the responsibility to disclose this mistake, not mine. Proof of the application has been submitted & ignored by the bank. I have lost my house to the bank in foreclosure. What they did is federal crimes.
Consumer complaint received 2024-06-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I am writing to formally lodge a complaint against Comenity Bank concerning their handling of my Victorias Secret credit card account. I have encountered numerous issues with their practices, with the most recent incident prompting me to seek your intervention. 

On XX/XX/XXXX, I made a payment toward my Victorias Secret credit card at XXXX XXXX unaware that the cutoff time for payments was XXXXXXXX XXXX I had assumed, as with many other credit card companies, that payments made by XXXXXXXX XXXX EST would be considered on time. As a result of my XXXX delay, I was charged a {$35.00} late fee. 

I immediately contacted Comenity Banks customer service to request a waiver of this fee, considering my consistent payment history over the past two and a half years. Despite explaining the minimal delay and my regular payments, the representative refused to remove the fee. This decision is particularly frustrating given that I have made every effort to manage my account responsibly, often paying more than the minimum required amount. This year alone, my payments have consistently been {$70.00} each month.

Moreover, I have attempted to negotiate with Comenity Bank on two separate occasions to settle my balance in full. I requested the removal of one or two late fees as a condition for paying off my balance entirely, thus preventing any further fees from accruing. Unfortunately, Comenity Bank refused to accommodate this reasonable request, demonstrating an unwillingness to assist a long-standing customer in good faith. 

The imposition of this late fee, coupled with the refusal to waive it, seems unfair and unreasonable, especially in light of my XXXX delay. It feels punitive and neglects the positive payment history I have maintained. Additionally, despite my consistent payments, my balance remains disproportionately high, suggesting potential errors or discrepancies in my account that need investigation. 

I request the Consumer Financial Protection Bureaus assistance in addressing this matter. Specifically, I ask for an investigation into Comenity Banks practices regarding payment cutoffs and fee impositions to ensure that customers are treated fairly and transparently. Moreover, I seek a thorough review of my account to identify any discrepancies contributing to my persistent balance. 

Thank you for your attention to this matter. I look forward to your intervention and assistance in resolving these
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MS)

I received an email the same day chime closed my account and kept my money. That was XX/XX/2024. I called and they wouldnt give me a reason they closed my account and told me I couldnt have my money. It wasnt much it was {$67.00} but they kept it with no explanation
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Received attached mailing from Citizens offering a financial bonus for setting up a new checking and savings account. Opened a checking account on XX/XX/XXXX. Made two direct deposits on XX/XX/XXXX in amount of {$500.00} & {$15000.00}. 

Mailer says that accounts opened in XXXX that made the qualifying deposits would have {$300.00} bonus paid by XX/XX/XXXX. As of yet, this bonus has not been paid. 

Below is the record of my conversation with Citizens : Tuesday, XX/XX/XXXX - Called at XXXX ; was offered a call back due to high volume wait times; left number for call back - Received call back at XXXX from XXXX. Explained that I had not received the {$300.00} bonus with the account I had opened in XXXX. I was asked where I got the code I informed them it was a mailer addressed to me with my name on it. Was asked to hold as they looked at account history and contacted promotion department. After a few minutes was informed that a case was going to be opened and sent over to the research department. Case # XXXX and it would take 3-5 business days. 

Thursday XX/XX/XXXX - Received call at XXXX from XXXX that my case was reviewed and it was found that I did not qualify for the bonus since I had a previous account with Citizens back. That was all the information I was given. 
- I reviewed my records to see if I had an account that would disqualify me. I could find no record of having an account.Called back at XXXX ; was offered a call back due to high volume wait times ; left number for call back - Received call back at XXXX ; I stated I was calling to get more information on the previous account that was under my name since I had no records of it. I was told that there were no other accounts under my name and she did not understand what I was referring to. Explained again the information I had just received from XXXX. She put me on hold and looked again. I was told there was a savings account opened XX/XX/XXXX and closed in XXXX. I asked for the account number and was told that information could not be given over the phone. She then asked me who was XXXX? I stated XXXX is my last name. She said the account on file was listed as XXXX XXXX. I said I was not XXXX XXXX. I was put on hold again and informed that the account was either a savings or business account opened XX/XX/XXXX and closed XX/XX/XXXX. I stated again I was XXXX not XXXX. I was told because of this account I was not eligible for the bonus. I stated I would take this another route by reaching out to consumer protection financial bureau.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NC)

On XX/XX/year> the Mortgage Compnay initiated auto pay, which should have been XX/XX/XXXX. This was in addition to my mortgage payment already made, resulting in duplicate payment. 
Since XX/XX/XXXX I have made numerous calls to the only available phone number which is the customer service. Each time I am told the refund is in process. I am yet to see the refund in my bank account or in the form a check. We are retirees, and we dont have extra funds sitting around for them to just ignore our request for our own funds. The attached statement shows the duplicate payment and reversal. But I have not seen the funds in my bank.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On Wednesday, XX/XX/year>, there was a fraudulent transaction made for {$2500.00} by XXXX. 
As well as on Thursday. XX/XX/year>, there was another fraudulent transaction made for {$2500.00} by XXXX. 

This savings account has been on hold ever since the start of these transactions. 

There have been multiple transactions made on this account, other than the two transactions that I mentioned above, unauthorized by me. 

I have been trying to take out the full amount in that savings account into a new one but every time that I try to, a new transaction that was unauthorized by me has been made. Fifth Third ( my bank ) told me that in order for me to take all my savings money in that account into a new one, I would have to wait for there to be no pending transaction and for my money to be back into my account to get the full amount that is in my savings. If I was to take that money out while there was still a pending transaction, Fifth Third told me that the amount that was in that pending transaction would be gone and I wouldn't be able to get it back. 

For example, if I had {$10000.00} in my savings account and the fraudulent transaction took out {$1000.00} that is pending, and I decided to transfer that remaining {$9000.00} then that {$1000.00} would be gone and I wouldn't be able to get that money back. 

Fifth Third has really been no help on this situation. I don't understand how or why my savings account got hacked. I don't use it to pay for anything, so to me I would think that someone in Fifth Third has hacked into my account. 

I check my account every day to see if all my money is in the account to make that transfer and there is always a new fraudulent transaction made. 

Recently, XXXX XXXX took money out of my account and I told Fifth Third that I don't have an account with them, and they told me I would have to call them anyway. When I called XXXX XXXX and gave them my information, they told me that I didn't have an account with them, so they couldn't help me situation. Which is what I told Fifth Third. Then when I called Fifth Third back and told them what XXXX XXXX told me, Fifth Third told me the same thing. To just wait until there is no pending transaction, but there is always a new pending transaction, so it seems that either way, if I wanted to transfer all the money in my savings account, I would always end up losing whatever the amount is in that new pending transaction.
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (GA)

To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report as provided by the following entities : 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX 5. Wakefield The information reported by these entities contains discrepancies and incorrect figures that do not accurately reflect my financial history. Under the Fair Credit Reporting Act, 15 U.S.C. 1681b, I have the right to dispute inaccurate information on my credit report, and I am requesting a thorough investigation into these discrepancies.

Specifically, the items in question are : - [ List specific items with discrepancies, including account numbers and the nature of the inaccuracies ] I have included copies of my credit report from the relevant agencies and any supporting documentation to help facilitate your investigation. Please review these materials and ensure that the incorrect information is corrected promptly. I also request written confirmation of the outcome of your investigation. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: W&A Intermediate Co., LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (MI)

On Friday, XX/XX/XXXX at approximately XXXX ET, I attempted to make an excess payment to my credit card issued by Chase Bank to be applied to my balance transfer that has a promotion that is set to expire on XX/XX/XXXX. The issuer, Chase Bank, stated that I could not do that because I have other current balances on my credit card account that has a currently higher interest rate that they must apply the majority of the excess payment to. I then inquired on how they could deny this as the Credit Card Accountability Responsibility and Disclosure Act of 2009, Section 164 ( Prompt and Fair crediting of payments ) ( B ) ( 2 ) made available from the ftc 's website at XXXX : XXXX states : " CLARIFICATION RELATING TO CERTAIN DEFERRED INTEREST ARRANGEMENTS.A creditor shall allocate the entire amount paid by the consumer in excess of the minimum payment amount to a balance on which interest is deferred during the last 2 billing cycles immediately preceding the expiration of the period during which interest is deferred. '' I asked the representative I spoke with if the balance transfer on my card that has the 0 % promotional APR set to expire on XX/XX/XXXX will have previous unapplied ( deferred ) interest not collected added after the promotional period ends, and the customer service representative confirmed that it will. I asked if this balance transfer amount is considered a deferred interest balance per the Bank 's definition and understanding and the customer service representative confirmed that it is. The customer service representative also stated that the only way I would not incur the total deferred interest on the balance transfer amount is if I pay the credit card in full before XX/XX/XXXX. I am seeking assistance with having this issue rectified if they are circumventing or breaking the law or if we're not understanding how they are not breaking the law, we'd like understanding of this. 

Thank you for your consideration
Consumer complaint received 2024-08-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NY)

My wife and I had a joint CD at Marcus Goldman Sachs bank. We provided instructions online to close the account on maturity, XX/XX/year>. We also received an email from Marcus Goldman confirming the instruction given on our online account. On XX/XX/XXXX, the funds were still not transferred to our external account. Calling the bank every day since and they only give me the run around. They said the transfer failed due to their fault, but would not allow us to speak to the department that is in charge of the transfer and each day we have only been told that the department with no name and no way to reach is still working on it. I have called each day and have spoken to both customer representatives and supervisors and have been told that there is no one else to speak to. As of today 's call to Marcus Goldman Sachs there is no resolution to the problem and only answers like they will call today, or in 1-2 business days or maybe in 5 business day. Not one customer representative has expressed the problem, only that the transfer of funds was the fault of Marcus Goldman. I have also sent a letter to Marcus Goldman, a XXXX XXXX XXXX XXXX, there is no email available or complaint department to call outside of their main XXXX.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, XXXX and Transunion Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. I contacted XXXX, XXXX and Transunion Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with XXXX and Transunion Credit Bureau 's requests. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX, CO XXXX ; XXXX  XXXX Balance : {$1700.00} ; XXXXXXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; Original Creditor : XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-12
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$290.00} XX/XX/XXXX
Consumer complaint received 2024-05-23
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. (CA)

XXXX XXXX, XXXX. Account XXXX - XXXX. I just got a copy of my credit report. To my surprice, You are reporting this account incorrectly. This Collection account is reporting not only reporting as XXXX, but also shows a past due balance of XXXX dollars. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2023-05-22
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter on XX/XX/XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$560.00} XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am sending this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXXXXXX Balance : {$22000.00}, XXXX XXXX XXXX  XXXX Balance : {$25000.00}
Consumer complaint received 2018-02-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Account Control Technology, Inc. (PR)

Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) This company is harassing me my family and friends and my employer, in relation to alleged debts. 
I sent a Cease and Desist letter to this company for their alleged collection attempts but they continue, I want immediately file a complaint. This company need to stop with this harassment practice in violation of the FDCPA and the Consumer protection laws.