davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX I mailed a check in the amount of {$2700.00} to Macy 's XXXX XXXX , to be paid towards my credit card balance. For 3 weeks I waited and they told me they never received it. On XXXX XXXX 2017 I  called my bank and they said Macy 's cashed the check on XXXX XXXX 2017. It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called Macy 's back to see if they received it. They said they 'll need to investigate and it could take up to 2 billing cycles ( 2 monthhs ) to get it corrected. I severely needed this check to go through to Macy 's as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (SC)

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A year ago I disputed many incorrect statements and negative collections on my credit, they were my ex husband 's. I recently tried to qualify for a house loan and was informed I had too many disputes on my credit report that should have been removed with in 60 days. She informed me that she is not willing to help me until all are removed and we see if my credit goes up or down. Please help me, this has been my dream, to own my own house, that no one can take away.   Thank you
Consumer complaint received 2024-04-19
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Please consider this as my formal complaint to the Fair Collections & Outsourcing for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have one? Yet I go to  XXXX  website, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (MA)

In XXXX of XXXX, I opened a business checking account with Chase to place liquid funds for my business. I was informed that the minimum balance required to avoid a $ 12 monthly maintenance fee is {$1500.00}, to which I complied. 

On XX/XX/XXXX, I was informed by a Chase Relationship Banker over the phone that my account had been incurring monthly maintenance fees. This was a shock to me, because I was sure that I had maintained the minimum amount, which I had. However, as of XXXX of XXXX, {$15.00} maintenance fees were being charged. 

On XX/XX/XXXX, I was credited with 7 of the 23 fees that were debited from the business checking account over the last two years. I was told that the minimum balance had always been {$2000.00} and in order to receive further credits, I would have to provide documentation of the {$1500.00} minimum balance requirements at the time that I opened the account. 

On XX/XX/XXXX, I reached out to a Chase Relationship Banker via email and provided him with a scanned copy of the documents proving that my business checking account was established with the {$1500.00} minimum balance requirement. I have not heard from him since. I have tried to call him directly, and have received no answer. Any time that I have called the Chase customer service line for assistance, they keep pointing me back in the direction of the Banker.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

On XXXX at XXXX CT, I updated my credit card numbers on the XXXX  XXXX XXXX for restaurant rewards. XXXX minutes later I received XXXX spam calls, and XXXX spam text messages from various car dealerships around the Chicago area saying I was interested in a vehicle they have for sale. 

XXXX  XXXX is sending fake leads to businesses on behalf of consumer card holders.
Consumer complaint received 2016-06-26
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (GA)

I recently applied for a XXXX rewards credit card through barclaycard, they requested for more information stating to identify myself, I sent documentation including drivers license front and back, ss card, and a bank statement, I called to follow up company 's response was we do n't believe that this identity is you, representative hung up I was told that I could have been approved but they did n't believe it was me, how is this possible when my credit report states my information correctly and note that I just bought an automobile for XXXX, the company is denying credit for people who qualify, please stop this practice!
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NJ)

In XXXX 2016 I went online and ordered a " Free Trial '' offer from XXXX and was only to pay Shipping and Handling. I should have known better and looked for very small print that might obligate me to receive future product, there was n't any. After reading numerous similar complaints online even under XXXX Consumer Complaints, they all say the same thing. I was temporarily in XXXX, I returned to my home in XXXX XXXX XXXX, 2016. 
When I received my Statement from Synchrony Bank in XXXX, I noted the charges of - {$86.00} and {$89.00}. I immediately called Synchrony Bank and disputed the charges. I never received product nor did I receive any any communication from XXXX in regards to these charges, that it was being delivered or anything. When I received XXXX 's statement on XXXX XXXX, 2016 I noted the charges of {$94.00} and {$92.00} and called Synchrony Bank to dispute the charges. The CSR told me I had also been charged {$94.00} and {$92.00} on XXXX XXXX, 2016. My account had been charged a total of {$550.00} for product I never received nor had received communication in regards to. 
XXXX name put in disputes for all of the charges and told me it may take XXXX to XXXX billing cycles. I called XXXX on XXXX XXXX, 2016 at XXXX XXXX and spoke with XXXX. XXXX cancelled the account they had set up for me without my approval and told me to have Synchrony Bank call them and do a XXXX way conversation so they could credit my account and I would n't have to wait for the dispute. I called Synchrony Bank and spoke with XXXX. XXXX told me they did n't do XXXX way calls. I wondered after seeing all of the complaints against XXXX for the same reason if maybe XXXX did n't know this. I called XXXX back, spoke with XXXX and told him the bank was unable to do a XXXX way call. 
Yesterday I decided to call Synchrony Bank because all I had ever received from them is a generic letter which says nothing except the security code is there for the Consumer 's Protection which is ridiculous because you ca n't purchase anything online without the security code and once a company gets it they can charge you numerous times withoutout your authorization. I found out from Synchrony Bank on the telephone that the dispute had been resolved in the Merchant 's favor I believe XXXX XXXX. All I could do was to file another dispute. I never received communication of this resolution I called XXXX XXXX XXXX XXXX XXXX ( number given to me by Synchrony Bank ) and spoke with XXXX. I asked to speak to a Supervisor. XXXX stated they could n't do anything for me and hung up the telephone. 
All of the complaints I reviewed online state the exact same complaint. XXXX lady called the Police. I want this funds refunded or credited to my card but XXXX should be prosecuted.
Consumer complaint received 2015-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Omega RMS, LLC (CO)

I have had XXXX installed as a precaution due to my XXXX, so that when I have a XXXX XXXX I can press my necklace signaling the paramedics. We bought a house and decided to move the system with us. After we moved there were several occasions where my husband and I were called about a burglar alarm, fire alarms and other instances of the alarm being tripped. I would call in several times to speak to someone about the issues because when I would race home, thinking my daughter or mother was in danger ... .everything would be fine. Upon finally reaching someone with XXXX who could pull up my account, they stated that the previous address we moved from was still active and that there was n't much they could do about it. It was too much work to de-activate every sensor in the house. I asked to speak to several different people until they finally agreed to go through and de-activate each sensor. They refused to give me my money back for the 3-4 months the false alarms were going off at the previous residence we lived at. I asked to cancel their services and they refused during our last conversation over the phone. Since that call, I 've been in and out of the country for work and my bank account was hacked and shut off due to the security breach. I 'm still in the process of switching all my automatic bills and such over to the new account. Then I receive a letter from Omega RMS , LLC, a collection agency hired to collect the remaining balance of my contract which is {$760.00}. I spoke with them and they are asking the full amount regardless of the horrible service XXXX has delivered. No one will help me fix the issues because they know we are extremely distraught with their so called security systems and are now demanding we pay the full amount of the contract, even though they did anything but provide security for me and my family. I just wanted to feel safe in my house and I do not with their system not operating to the full extent that we originally agreed on. There should be some sort of clause in that contract that if the security system is defaulting, no charges should be made to the customer otherwise, why should I even have it? If it 's not going to work all the time, what am I paying for? There was no urgency to resolve the issue, when in fact if anything would of been on fire, a emergency medical situation arose or we had been burglarized ; my attorney would of come after them with flying colors due to the issues they would not correct or even take responsibility for.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Payment was made XXXX XXXX, 2015 on Bank of America mortgage account # XXXX in the amount of {$2100.00} ( for a regular payment due of {$2000.00} + an additional principal payment of {$150.00} ), well within the 16 day grace period where a late fee is not charged. That payment cleared my checking account with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. 

However, reviewing my Bank of America mortgage statement for Bank of America mortgage account # XXXX, my {$2100.00} payment is noted as " {$2000.00} payment posted '', a {$51.00} late fee was charged, and the additional principal of {$150.00} was not noted. Why was I charged a late fee when my payment, for more than the regular monthly payment was made well within the grace period? 

This appears to be more of the same bad behavior Bank of America has become well known for, settling more than XXXX class action lawsuit, paying a huge penalty to settle each lawsuit. Please see the attachment showing the XXXX XXXX, 2015 {$2100.00} withdrawal from my checking account with XXXX XXXX XXXX XXXX XXXX " Bank of America/TYPE : Mortgage Co ; Bank of America ''.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

I have proof that due to this company 's way of filing credit reports identity theft does not get reported. There is proof that my personal information was sold and bought illegally because I was a victim of the Equifax data breach. I want my credit account secured. 
XX/XX/2023, was the first notice of identity fraud. However, after using the company 's freezing method and alert notification for identity being used. The fraud continued and a fraudulent tax filing was reported. I was not aware and notified until XXXX of XXXX  by the IRS. I am attaching proof the Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (FL)

Company Midland Credit Management , Inc is suing me in the amount of {$2400.00}. The debt created was little over {$1000.00}. I appeared in court last month, explained to the judge that this debt was a little over a {$1000.00} and wanted to know how they ( Midland Credit Management ) came up with {$2400.00}, unable to explain cause for that amount, the judge ordered a mediation conference to resolute the matter. Also Ive done some research on Midland Credit Management from the information I pulled up and you can correct me in Im wrong but I dont think they are qualified to contest matters in the state of Florida as it pertains to debt collection. Also correct me if Im wrong again but I do believe my debt has exceeded the guidelines for collection. This debt isnt showing up on my credit report so whats really happening here
Consumer complaint received 2023-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Recently I was a victim of a work from home job opportunity which turned out to be a fraud/scam that targeted and stole all my money from linked sources to my venmo account. I contacted venmo and went through the difficult process of contacting support to file a report and dispute. Up to that point I had not had anh issues or filed any disputes, and i have been a long time customer of venmo. After over a week of back and forth with customer support and sending proof and supporting documents to prove my claim, I eventually get transferred to a sketchy " account specialist '' email with no direct phone number. The " specialist '' emails me saying that my account is suspended and something about violating venmo terms. Every other disputed transaction was approved and the others, especially the larger transactions I was scammed from were denied. It literally looks obvious that the specialist picked and chose which transactions to approve and denied the important ones. I respond to the email voicing my concerns about the investigation process and resend all my proof, police reports, screenshots, etc. Only days later to find out that my account was permanently closed and my funds locked in venmo. I am unable to contact or reach the " account specialist '' or anyone directly because they are only reachable by email. Also, they respond in an untimely manner of 7-10 business days which is not acceptable. I need help please. Venmo is neglecting to and it seems purposely avoiding their obligation to the customers.
Consumer complaint received 2023-10-06
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 noticed that your company is continuously reporting inaccurate and incomplete accounts on my credit report. I never failed to inform you numerous times via mail about this issue however, I have never received any actions on your end. Please delete these inaccurate accounts on my credit report immediately. 
XXXX. XXXX Account # : XXXX XXXX. XXXX OF XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX
Consumer complaint received 2015-03-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Nationstar has sent statements dated with variances that range between XXXX weeks so customers do not receive them in a timely manner and sometimes very close to the actual due date. Multiple times when I have called I have simply been hung-up on, this is almost half of the time I call. It happened XXXX today alone when I called to inquire about my escrow check since I refinanced - in part because this mortgage company is the worst.
Consumer complaint received 2017-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

This is a new issue regarding an ongoing foreclosure. In short, I 'm in the process of providing  one fin al piece of information that  Select Portfolio Servicing , Inc.  requested regarding a loan modification application that I completed on   XXXX   XXXX   XXXX  . As part of the completed process,  SPS  did take action to cancel a pending sale that had been scheduled for    XXXX   XXXX   XXXX   . In their letter regarding that cancellation,  SPS  indicated that the  XX/XX/XXXX  sale was canceled, and no further sale was rescheduled. They also said they would advise me in a new date was scheduled. However, on   XXXX   XXXX   XXXX  , the attorney representing SPS -   XXXX   XXXX   XXXX   XXXX   - filed another 'Praecipe Order of Sale ', and as a result of that Praecipe  XXXX  a new sale date of   XXXX   XXXX   XXXX   has been set, with a 'back-up ' date set for   XXXX   XXXX   XXXX  . In a phone call today with the ombudsman fo r SPS, t he representative,  XXXX   XXXX , said there was no sale date scheduled, nor an order of sale issued. I was placed on hold while she called the attorney firm mentioned above, and when she came back on the line, she confirmed that no date had been scheduled or ordered by their law firm. This is the second time in the past year that I hav e been working with SPS on the one hand ( the first time being validation of debt issues, which has still not been validated ), and on the other hand, the attorney group has filed an Order of Sale. This is a clear   illustration of 'dual tracking ' because I submitted a 'Facially Complete ' loan modification application on  XX/XX/XXXX , and yet, another sale date has been scheduled. On top of that, contrary to their earlier statement via letter, I have not been informed of that date b y SPS, an d only learned of it by checking th e Court dock et. Further, on their own monthly  statements to me, SPS reflects that only 1 foreclosure notice has been submitted, but that is not true since 2 have now b een submitted.     What would be a fair resolution to this issue?
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

Submitted application for income-based repayment and was approved in XX/XX/XXXX. Payments were listed at {$61.00} per month. When I re-applied for XX/XX/XXXX, Navient miraculously discovered an error in their prior agreement and now claims my payment should 've been more expensive and is now charging me {$100.00} for the final 2 months of my XX/XX/XXXX agreement instead of payment amount I 'd been paying for the past 9 months. This leaves me with a few questions : 1 ) was there really an error? 2 ) why was this error not caught? 3 ) why am i being penalized for an error that was not my fault? I put my trust into Navient to calculate the correct repayment figure based on federal guidelines and have chosen to autopay. If Navient was wrong, I should not be on the hook for a larger payment.