davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2023-11-08
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: Experian Information Solutions Inc. (WI)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: FirstKey Holdings, LLC (MN)

RE : XXXX Acct. No. XXXX Loan held by XXXX XXXX XXXX  XXXX XXXX On XX/XX/XXXX, I contacted my mortgage loan servicer, XXXX XXXX XXXX XXXX XXXX XXXX to see what could be done in the short term after receiving results of a bad mammogram and due to high unexpected costs for new drugs even with insurance. 

I am on Social Security XXXX, paid on the XXXX Wednesday of every month. I have provided in my attachments all the recorded phone call dates and names of the reps I spoke to to work out a new payment arrangement. The loan would be paid monthly, I would pay the insurance via my checking with XXXX, the property taxes are due in XXXX. 

The home is already in a purchase agreement with my neighbor and the purchase agreement is currently being written up. The plan is to pay off the loan as soon as the funds are received. As an interim timeframe, with current medical issues, I needed to take advantage of all the " help '' XXXX promises in their letters when you need it. 

I have shown that I made the loan payments and arrangements for the XXXX, XXXX, XXXX and now in question the XXXX ( due to XXXX stating they will start foreclosure procedures by XX/XX/XXXX. The payments made have been applied to the " suspense '' account, since the property taxes ( which make up the bulk of the payment ) were suspended since they are not due until XX/XX/XXXX, which will be paid by the house sale. 

XXXX recorded the calls which made the new arrangement, but the computer generates foreclosure notices because it does not recognize the verbal agreed interim payment arrangements which still kept the loan current when applied as agreed. 

Due to the high cost of drugs I am currently experiencing, this is a priority medical situation and the reason I made the initial call regarding the loan to keep it current until the sale funds come through - 30 -90 days. 

I'm asking the verbal agreed upon new payment arrangement made in my recorded calls to XXXX on XX/XX/XXXX and reconfirmed on XX/XX/XXXX ( see attachments ) whereby I make the loan payments to XXXX and I pay the monthly insurance and eventually the XXXX property taxes due. The stress of XXXX is causing great harm in that they are going back on their word and I don't need this right now. I need confirmation that I can continue paying the loan amount only via XXXX. 

I've attached confirming documents and the threat of taking my house from XXXX even though I reached out to take advantage and was approved over the recorded conversations to this interim payment arrangement. This loan has been in effect since XXXX and always on auto pay. This is the only time I've asked for interim arrangements. 

XXXX XXXX XXXX, owner Servicer XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Utah XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (OH)

XX/XX/year> {$410.00} Request for Debt Validation Pursuant to IS USC 1692g Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested. credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character :
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NC)

Everyday since XX/XX/XXXX I have been calling ally bank constantly the customer service department has been trying to work with me helping getting my account access back but the fraud department are the only ones that are able to do that. Every time they transfer me over they tell me different things as in your account is closed, your account is under review, your account has investigator, also that my account is not under review and they refuse to transfer me over to a supervisor I also documented two of those reps names which is XXXX, XXXX etc I just want access to my funds so that I can end my account with them this is causing various of complications in my life and is not the way you should handle a XXXX  person I have already did everything that is possible I would never open a account with ally again
Consumer complaint received 2024-07-16
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. (CO)

I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights
Consumer complaint received 2024-07-18
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: Self Financial Inc. (GA)

I reached out to XXXX XXXX XXXX about late payments on my account on XXXX XXXX XXXX and They refuse to delete the negative late payments off my credit report.
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I made a wire transfer of {$100000.00} from my Chase checking account to a beneficiary account at XXXX. The account number was entered incorrectly. The same morning, I initiated an amendment request with Chase to amend the account number, but it was unsuccessful and XXXX returned the wire back to Chase at around XXXX on XX/XX/XXXX. I have made repeated phone calls to Chase customer service demanding the {$100000.00} wire transfer to be returned to my account so I can send it to the correct beneficiary, but I have been unsuccessful and Chase provided conflicting information on every single call. A Chase representative, XXXX, on a phone call on XX/XX/XXXX at XXXX, admitted that the amendment request resulted in the funds returned from XXXX to be routed to a Chase owned account instead of my account. She promised to expedite the return of funds, but the funds are still unavailable and I am left to suffer the consequences of bounced payments, lost times, and wasted productivity.
Consumer complaint received 2024-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I have an FHA loan with Flagstar ending in XXXX. My mortgage payment was {$2200.00}. During XX/XX/XXXX they sent me correspondence advising me that there was an escrow shortage of {$5700.00}. On XX/XX/XXXX I paid {$2000.00} towards the escrow. On XX/XX/XXXX I paid {$1000.00} towards the escrow, for a total of {$3000.00} leaving a balance of {$2700.00} as a shortage. The bank deducted {$3100.00} as my XX/XX/XXXX payment and it said that my payment for XXXX will be {$3100.00}. I contacted the bank on XX/XX/XXXX, I spoke to XXXX ( may be spelled differently ). He indicated that my monthly payment will be {$3100.00} for the next 12 months. That they computed it by dividing the {$5700.00} by 12. He explained that XXXX will be added to the monthly payment. I asked him what happened to the {$3000.00} I had already paid. He explained how they computed shortages and thats how it will be. It seems to me that they did not take into account my partial payment of {$3000.00} to compute my new payment. In total they have increase my mortgage payment from {$2200.00} to {$3100.00} monthly. An increase of XXXX monthly. It appears to me that they are not following regulations at 12 CFR 1024.17 as my escrow is above the XX/XX/XXXX of the total annual escrow payments the bank anticipates to pay from the account.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kirschenbaum & Phillips P.C (NY)

Kirshenbaum & Phillips, P.C., is continuously harassing me by mailing a copy of a lawsuit summons every other day although I already submitted an answer to the court. I would like for them to stop harassing me by sending the same summons to my home every other day. I would contact the law firm, but after reading poor XXXX reviews, I am concerned with giving my personal information and trying to work with them. I am hoping that the XXXX XXXX district attorney can assist me with this harassment. Thank you.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

Discover provides me with information on my credit report that is incorrect, inaccurate information! 
Discover account # XXXX Date open : XX/XX/year> Secured card : {$300.00} Highest amount {$440.00} Called with a good faith call to have it removed, with no success! 
This fraudulent account has been hurting my credit health for years. 
This is not my account, I have never had any such knowledge of this account! 
15 USC1681b Note : unfortunately at the time of the card being opened I was in fact XXXX  for past blunders!
Consumer complaint received 2024-07-15
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 (CA)

I paid off my balance of {$6600.00} on XX/XX/XXXX. The funds were taken from my account and received by Capital One on XX/XX/XXXX. Even though Capital One has my money and the balance on the account is XXXX and the Stated credit line is {$6700.00}. They have refused to adjust my credit availability until XX/XX/XXXX -- one full week after receiving the funds. Regulations allow banks to withhold funds for a week. This is a holdover from the XXXXXXXX XXXX when there was paper that had to go through a clearing house. Today, with the systems employed by the banks, the 7-day hold is a way to usurp the use of customer funds for several days. While the regulations permit a 7-day hold, the banks should not default to that. Holding funds that they already have received is an abuse of the regulations and their clients.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

As far as I know by the laws and regulations, any and all others are inaccurate and outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file. 

Please Delete immediately! this items listed below as it is inaccrate and mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate and delete immediately :
Consumer complaint received 2024-07-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I am writing to file a complaint against Citibank for failing to return the remaining balance of my accounts after closing them on or around XX/XX/year>. My checking account had a balance of {$310.00}, and my savings account had a balance of {$170.00}. 

The account closures were a result of fraudulent transactions, and despite following the proper procedures to report the fraud, Citibank closed my accounts and has yet to return the remaining funds. This situation has severely impacted my ability to support my family and pay bills. 

Furthermore, there is a binding arbitration agreement associated with my accounts that Citibank ignored in their decision to close the accounts without proper resolution. 

I request your assistance in resolving this matter and ensuring that Citibank returns my funds promptly.
Consumer complaint received 2024-06-13
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX - XXXX, "
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

Our Costco credit card was closed by Citbank Visa due to 4 payments that bounced. The 4 payment were NOT made by us, and were made fraudulently. We discovered this in the spring of this year, and noted that these 4 payments came from banks that we did nor recognized ( and we held no accounts there ). We explained this multiple times, always pointing out that our routine scheduled payments on the card came from OUR account using AUTO-PAY, and that these 4 fradulent payments were from DIFFERENT accounts. We have never missed a payment or bounced a payments because we use Auto-Pay.

Citibank simply refused to re-open the account despite no wrongdoing on our part. We have explained the situation in many letters and phone calls. As a result of Citi-banks closure of our card, our credit rating fell substantially. Additionally, we lost accrued points which have monetary value > {$400.00}. Finally, we may have been assessed fees for the fradulent deposits, and are uncertain as to those amounts. 

We tried to contact Citbank multiple times ( letters dated XX/XX/year>, XX/XX/year> and XX/XX/year> ), and also spoke to supervisors who understood the case, and yet the decision appears to be made by an entirely separate group of people that you can not speak to, and this is greatly frustrating. Each supervisor who looked at our account said that he/she understood, and would document our findings, which were valid. However, when they submitted on our behalf, we continued to be refused ( with no valid explanation as to what we, as customers, have done wrong ). 

We can not understand why someone would make fradulent payments to our account. But nevertheless, this happened, and it has led to a lot of hardship and stress on us. Thanks for contacting Citibank on our behalf to see if SOMEONE can actually review our case, and explain to us why our account remains closed. ( Why are we being held responsible for what was fradulent activity ).
Consumer complaint received 2024-06-13
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. (GA)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer. 

Account name : XXXX XXXX XXXX XXXX XXXX  Account Balance : {$4200.00} File number : XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of notice. I look forward to your response. 

Thank you XXXX I want the transactions blocked and deleted from my consumer report.
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SUN WEST MORTGAGE COMPANY, INC. (MO)

After unsuccessfully working with a previous broker. I was introduced to a broker at Sunwest Mortage who promised me he would be able to do this deal. ( I have attached the text messages showing this promise ) .After having a long conversation with the mortgage broker I asked in detail and explained my situation saying that I had a high debt-income ratio because I owned another home and I wanted to make sure if I worked with this mortgage company that this would be a viable option moving forward. The agent went into detail about how his company was different from other mortgage companies and how I was already underwritten, so this would not be an issue because he was aware of my finances. When I was working with the agent I reached out to him several times to make sure that this loan would be able to be processed before loan commitment or if we needed to back out of the deal to make sure any earnest money was not lost. The agent assured me on several occasions that he would be able to do this and this was not an issue. A few days before closing the agent refused to respond to any of my emails, calls, or texts and cut off complete communication with me. Because of this I lost out on thousands of dollars in earnest money as well as paid for inspections and appraisals. During this entire process, I was misled. I was given false information by this agent several times and because of his practices and lack of communication, I have lost out on thousands of dollars because the agent was not honest with me and promised he could deliver on things that they did not.