davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

I have a billing error and American Express is not crediting my account for my tender of payment I am making. I have 3 accounts with American Express. In XXXX, I endorsed a bill of exchange for each of the these account. An as the holder in due course, I turned the payment coupon I received into a payment instrument as a tender of payment, therefore they are suppose to accept my bill of exchange, if not, the amount tendered is automatically discharge. ( UCC 3-601 - 3-603 ) If my under of payment was not accepted, I was supposed to receive a notice of dishonor but never received that. ( UCC 3-501 - 3-505 ). Instead, I received letters from them stating that have received my payment coupon which has been modified as a payment instrument but they are not going to accept it. It appears that are forcing to make tender of payment for a debt in a a specific form and according to the US Constitution no one can debt a payment of debt in any form but gold and silver and I am fully aware that gold and silver can not be accepted as payment for debt because we are still in a state of emergency since the 1930s. In addition, I am also where that US Government is backed by the credit of the nation, we the people, so I also asked then who funded this account me or did bank did and I never received a response by way of a notice. I am believe fraud is being commit and that I am being swindled and force into paying with gifts via Federal Reserve Notes to American Express every month for my open ended credit account even though I already provided my credit application and the collateral ( Federal Reserve Act Section 16 ) which is sufficient setoff these accounts every month. I also requested over the phone that I receive the Federal Reserve Form 2046 and Federal Reserve Form 2644 know that all banks are requires to fill out these forms for each account with the IRS and they don't want to cooperate. They have been stealing securities and when I try to resolve the issue with them they don't want to cooperate. I also gave them a credit application for in XX/XX/2023 for a platinum card and they denied me. I never got anything in return of equal value of credit application. They claim that I could not be accept at that time because I did not have enough " income '' as if I never gave them anything of value when I gave them the application. [ CFPB 1026.2 ] I can not be denied my own credit [ Equal Credit Opportunity Act and Truth in Lending Act, Fair Debt Credit Practice Act and many other acts has been violated. I have the right to be secured in my person and my consumer rights are being violated in many ways.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX - An attempt was made to fraudulently wire transfer over {$48000.00} from my business checking account, which Citibank blocked. However, I was not notified in any way that this attempt was made. I only learned about it in a later call with the bank 's customer service. I could have told them to block the account at this time had they let me know and saved a lot of money, pain and suffering. 

XX/XX/XXXX - A fraudulent transfer of {$46000.00} was debited from my account. Again, I was not notified in any way ( text, email or phone ) that this transfer was made. I noticed the transaction later in the day. It showed as pending on my online banking, so I immediately called Citibank. They told me that the wire transfer department was already closed and that I would have to call back when they opened in the morning. I called a second time, requesting that some action could be taken immediately, but was refused any help. ( During a later call with the bank, I was instructed that Citibank actually does have an after hours process, but they refused me this information at that time. ) XX/XX/XXXX - I called the wire transfer department as soon as they opened to report the fraudulent transaction. At this point, they said the wire had already gone through to and it was out of their hands, but they would issue a wire recall request. I filed a police report and FBI report. 

XX/XX/XXXX - A credit of {$1700.00} appeared in my account that was affected by fraud. This is the amount Citibank was able to recover from the thieves. 

XX/XX/XXXX - Citibank told me that my claim had been denied, but gave no reason why. I requested an appeal and sent them the police report and FBI report. 

XX/XX/XXXX - I received a letter saying " We have completed our investigation of your fraud claim. Please note it has been denied. Our decision was based on : " Leaving a blank where they should have written how they made their decision. 

I am writing to you in hopes you can help me recover the stolen funds. I have spent an enormous amount of time trying to work with Citibank in trying to resolve the issue. There are " notes '' for my case in the Citibank system that should show all the time I have spent on the phone and in the branch with them. 

I previously lodged a complaint under XXXX, but received a response that the complaint listed someone not on the account. I did not name anyone in that complaint, so do not accept this as a basis to refuse my reasonable request.
Consumer complaint received 2023-09-25
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. (TX)

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

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 antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

Loan was paid off on XX/XX/XXXX. I did receive a paper lien release, however, the electronic lien in Texas was never removed and I have been unable to register the car or sell it as there is no clear title. I have called Hyundai Motor Finance numerous times, most recently on XX/XX/XXXX. Each time I am promised that the lien will be electronically released, and a new title issued. I spoke with the Texas XXXX on XX/XX/XXXX and the electronic lien is still in place. There is an open work request at Hyundai # XXXX. The car loan was under XXXX XXXX XXXX. I am currently XXXX overseas with the XXXX XXXX and would appreciate contacting my mother, XXXX XXXX at XXXX XXXX as it will be very difficult to contact me.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (AZ)

I HAVE PAID OFF MY SECURED CREDIT CARD ACCOUNT IN FULL WITH FIRST PROGRESS ON XX/XX/year> ( PLEASE SEE ATTACHED ). 

TODAY, I CALLED AND SPOKE WITH XXXX XXXX # XXXX AND REQUESTED THAT THE ACCOUNT BE CLOSED AND THAT I BE REFUNDED THE SECURITY DEPOSIT OF {$1000.00}. 

I WAS ADVISED BY XXXX THAT IT WILL TAKE UP TO XXXX WEEKS BEFORE A REFUND COULD BE ISSUED TO ME. I REPLIED, WHY WOULD IT TAKE THAT LONG FOR ME TO RECEIVE A REFUND AND WAS ADVISED ONLY BECAUSE IT WAS THEIR COMPANY POLICY. 

THEN HE PROCEEDED TO TELL THAT IT WAS IN THE AGREEMENT THAT I SIGNED, HOWEVER WHEN I ASKED THAT HE PROVIDE ME WITH A COPY OF THE AGREEMENT, HE TOLD ME THAT HE COULD NOT PROVIDE ME WITH IT. 

THIS IS COMPLETELY UNACCEPTABLE! I DEMAND THAT FIRST PROGRESS PROVIDE ME WITH AN IMMEDIATE REFUND OF MY SECURITY DEPOSIT AND/OR DOCUMENTATION SHOWING WHERE I SIGNED TO AND AGREED TO WAIT XXXX WEEKS FOR A REFUND OF MY {$1000.00} SECURITY DEPOSIT. 

ADDITIONALLY, I DONT FEEL IT IS LEGAL PRACTICE FOR FIRST PROGRESS TO KEEP MY SECURITY DEPOSIT FOR THIS EXTENDED PERIOD OF TIME WHEN MY ACCOUNT BALANCE HAS ALREADY BEEN PAID IN FULL WITH A ZERO BALANCE AND FEEL THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES. 

I AM SEEKING IMMEDIATE RESOLUTION AND REFUND OF MY SECURITY DEPOSIT FOR {$1000.00}.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (AR)

On XX/XX/2024, ( pretty sure of date ) I received an email that new cards were being mailed and our mailing address was changed. I called Citi ( the credit card company involved ) and asked what address the cards were being sent to. They could not tell me for privacy concerns, but they did cancel my card at my request and said they would issue a new card. Before they cancelled my online account, I logged in with username and password and checked my address. Sure enough a new mailing address had been added ( XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NY XXXX ) though the account address remained my address in the central part of the XXXX. Before I could delete the NY address, I needed a verification code by text ( or email ). I entered the verification code and deleted the NY address. I then called Citi back and asked how the address was added ; didn't whoever added the address and requested cards have to be able to answer to my email and/or cell phone number. I was told scammers are very clever. I asked for and was given another number for the investigational team. They did not handle this type of question and referred me to the fraud department which, you guessed it, referred me back to the customer service department. We received our new cards today, XX/XX/2024. After I activated the new card, I called the fraud investigation team number and was told they only investigate charges that I report were not mine. I asked who could tell me how someone could request new cards and go through the verification process I have to go through and was told they do not handle that type of thing. I asked who did and how to determine how this happened. No answer was given and I'm sick to death of hearing apologies for any inconvenience. If Citi does nothing about this type of thing, it seems to me they are not doing their job. It seems as though they may have some internal problems and thus no one looks at fraud problems. If this isn't something they look at, they should! 
Thank you for any help you can offer. 

PS. I contacted a PI to check into this address. He suggested I contact you.
Consumer complaint received 2018-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

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Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (CO)

I received a text on XX/XX/scrub>XXXX XXXX XXXX XXXX  asking if I recognized a transaction from XXXX for {$400.00}, which isnt uncommon as I have gotten these messages before. I replied no and got a reply saying a representative would be reaching out. 

Shorty after I got a call from someone stating they were with Chime bank and I needed to follow instructions to get a refund on a transaction before it posted. 
I was initially hesitant but after talking with them I realized the number that had called me was the phone number to my bank. Therefore I felt I should trust this process and do what they say. There was request on the app for a Chime Payment Reversal. They had me do this but it actually ending up sending this person {$1000.00}. 

I filed a dispute with chime and it was denied as they said they are not responsible for scams. 

Date of incoming phone call : XX/XX/scrub>XXXX XXXX XXXX XXXX   Amount : {$1000.00} Filed dispute on XX/XX/scrub>XXXX  and it was denied on XXXX  Company- Chime Bank I have attached screenshots of my call log that shows the incoming call and also time of the transaction. 

Its very deceiving as I would have never done this without the incoming phone call from my bank. The phone number matched so I assumed It would be okay.
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Since the transfer of my mortgage to Nationstar from my construction company 's mortgage company there have been an endless stream of problems. First off they messed up the Escrow account by not paying my property taxes and sent me a XXXX refund. This refund had to be repaid a few weeks later as it was identified it was sent in error and then the taxes were paid late. This then started ongoing Escrow re-calculation and payment problems that are still unresolved nearly a year later. Despite numerous lengthy phone calls to their Escrow Dept and promises that it would be resolved the problems continue. All of my payments are made on time but because of Nationstar 's inability to resolve the problems my monthly payments are held in suspense which then trigger daily " collection calls '', in some cases multiple calls each day, including weekends. I have spoken to multiple customer service agents that always state they can see the problem and will resolve it but to date this has never happened, usually with only part of the problem being fixed and a new problem surfacing. Additionally, Nationstar Escrow Dept did not pay my home insurance coverage upon renewal, resulting in the policy lapsing. Nationstar claim that the Escrow did not cover insurance which was not how it was originally setup and fortunately I was able to resolve this with the insurance company directly who reinstated the policy. 
8 months later and there are still issues on the account. I am still receiving harassing phone calls daily from collection department agents and repeated threats to report me to the credit reporting agencies.
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (VA)

I contacted Rent Recovery Solutions after receiving an alert of a collection attached to my social security number on my credit report. After learning that this was an account for 1 ) a lease that I never signed for residency 2 ) City and State were I have never resided 3 ) attached to a name that is not me. After the representative become combative, I decide to write a letter to this company, Rent Recovery Solutions that I have absolutely no dealings with, nor the client that they are representing, XXXX at XXXX. Rent Recovery Solutions stated that they purchased the debt from XXXX at XXXX and that the debt belongs to XXXX XXXX. I received an ineffective response in writing from Rent Recovery Solutions. I'm extremely perplexed as to how a debt belonging to another person whom I do not know is on my personal credit file and social security number. When I requested the contract/lease, any supporting documentation for this action, my request was not honored. I would like to receive assistance prior to filing a complaint with the circuit court for the Common Wealth of Virginia for this matter. I'm extremely upset about this and I will not allow this company cause this harm to my credit.
Consumer complaint received 2023-12-28
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. (TN)

On XX/XX/2023 I contacted XXXX and XXXX and had a freeze placed on my credit report. I received confirmation that it would take 24 hours for the freeze to be placed. On approximately XXXX XXXX I contacted XXXX about removing a XXXX  from my consumer credit report that was listed fraudulently, they informed me they would have to investigate it. 
I received a letter dated XX/XX/2023 from XXXX stating the bankruptcy came back verified as mine and it was verified using XXXX, which could not be true because I called XXXX and they told me that I, indeed, have a freeze on my account.
Consumer complaint received 2024-07-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (GA)

IQ DATA INTERNATIONAL INC had accessed my personal information without my knowledge and created an account with that personal identifiable information. Additionally, IQ DATA INTERNATIONAL INC and I have no valid contract or agreement evidencing any indebtedness. I requested full accounting pursuant to the XXXX  XXXX laws and did not receive the required documentation within 14 days. Additionally, IQ DATA INTERNATIONAL INC is attempting to extort a daily amount of money in regards to this alleged debt in an attempt to collect on an alleged extension of credit. IQ DATA INTERNATIONAL INC is listing themselves as a creditor on my consumer credit report with full knowledge it has no valid contract or business dealings with me. 

As a result of these issues, my name has been slandered, I have experienced severe XXXX  and XXXX from these unfair and deceptive business practices engaged in the collection of an alleged debt by IQ DATA INTERNATIONAL INC. I found this information out through accessing my credit report. At no time has IQ DATA INTERNATIONAL sent me any notification of this alleged debt in writing.
Consumer complaint received 2021-10-13
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: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (TN)

House was damaged by XXXX XXXX XX/XX/XXXX claim checks are not being processed by mortgage company. My insurance portal from servicing company has conflicting information of when endorsed checks were mailed. Example on 'their '' portal, states endorsed checks returned XX/XX/XXXX however portal also states checks received XX/XX/XXXX. this is impossible. After numerous inquiries I also get double talk and runaround. 
Spoke with claims representatives XXXX XXXX early XXXX, XXXX XXXX thru Email wrong information given, XXXX XX/XX/XXXX misinformation and unhelpful, XXXX XX/XX/XXXX was put on hold and never to return, XXXX XXXX XX/XX/XXXX reffered back to different department extremely unhelpful. Unable to repair house fully without money from homeowners insurance which paid claim but monies not released by NewRez until house is fixed to repair damage and inspected.. How can repairs occur unless XXXX layout all my own money and pay mortgage then they release monies after inspection? I requested as to where in original mortgage papers I signed this is legal or authorized and they could not provide as this is the 3RD time mortgage has been sold.
Consumer complaint received 2024-02-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NJ)

On XXXX XXXX XXXX  I bought a Vanilla Visa prepaid card, serviced by InComm Inc XXXX XXXX XXXX XXXX, GA XXXX, from a local grocery store, .amounting to {$500.00}. Per XXXX all the funds were drained on XXXX XXXX XXXX fraudulently without my permission. On XXXX XXXX XXXX I raised a dispute claim with InComm. On XXXX XXXX XXXX  via email I provided Incomm with a copy of the front of the prepaid card and a copy of the purchase receipt. 
Incomm has not resolved my case yet. I called them XXXX times about the despute. Their reps told me to wait and in some instances just hung up on me.
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

On XXXX XXXX I noticed a charge in my checking account of {$130.00} descriotion XXXX I informed my bank of this thinking it was fraud. They launched an investigation and found that it was from XXXX. ( for re-enlisting in their channel for a year ) This I did not do. 
The bank reinbursed me and I thought that was it. 
On XX/XX/XXXX I received the charge again, I called XXXX they could not find my account. 
I got in touch with XXXX they could not find an account for me. I explained this to my bank they were not interested. I do not have the XXXX account when I go to XXXX on the TV it asks me if I want to sign up. 
The bank says that it will stop the subscription on the next cycle that is XXXX The bank is USAA Thanks for your time XXXX XXXX