davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

Citi has one of the worst account opening systems I have ever experienced. THEY DO NOT LET YOU ACCESS YOUR NEW ACCOUNT AFTER OPENING IT. You open the account online, fund it, then click the button to link it to your existing profile with your credit card. It will NOT allow you to do so. There is no way to utilize the account until after you receive the debit card weeks later because you can not access ANY FEATURES OF THE ACCOUNT OR ANY FUNDS YOU HAVE PLACED IN THE ACCOUNT AT ALL, THEY SIMPLY HOLD EVERYTHING FOR WEEKS ON END WITH NO RECOURSE. If you call the call center they will tell you there is nothing they can do, a supervisor ADVISED ME TO CLOSE MY ACCOUNT and told me there was NO WAY TO GET HELP AND THEY HAD NO KNOWLEDGE OF IF THERE WERE BRANCHES, USELESS! Citi is an absolutely disgusting bank that is seemingly opening shell accounts like XXXX XXXX! Watch your identity!
Consumer complaint received 2024-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

Federal loans discharged under XXXX XXXX  XXXX. Received partial refund in XX/XX/XXXX. Have not received remaining balance that is due today XX/XX/XXXX per settlement details. Called Ed financial and they can no longer see my account history or provide details on remaining refunds. Contacting ombudsman group has similar results. Filed multiple complaints with FSA and same outcome. I am missing a refund.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I am writing to express my deep concern and frustration regarding the presence of an alleged debt on my credit report, account number, which has been reported by your company. I have made several attempts to address and rectify this matter, both with LVNV Funding LLC and XXXX, to no avail. 

This wrongful collection entry is adversely affecting my professional career and hindering my ability to secure favorable interest rates. Despite my persistent efforts to resolve this issue, the negative impact on my credit score continues to persist. 

I hereby demand the immediate removal of the aforementioned collection account from my credit report. Furthermore, if LVNV Funding LLC believes that this debt is legitimate, I request that you provide me with physical evidence of the debt, including a signed contract or agreement bearing my signature. 

I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I expect LVNV Funding LLC to adhere to the legal obligations outlined in these acts. Failure to comply with these regulations may result in legal action to protect my rights and seek damages for any harm caused to my professional and financial standing. 

I anticipate your prompt attention to this matter and request a written confirmation of the removal of the collection account from my credit report within 30 days of receiving this letter.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I received a credit card from Capital One in XXXX and paid fees for an alleged debts that were fraudulent until XXXX. I dispute the debt with the credit bureaus, it was removed from my credit report. I then ordered Capital One for all funds paid in error to be reverted back to the party from which they came in a check paid to myself.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (NY)

I paid my entire balance as I do every month on XXXX. On XX/XX/XXXX I checked my account and although the correct amount was posted, it is not yet available. I called the company and they said it takes 14 days to become available. This is the third time theyve done this and they say its random. But, how could it happene to me three consecutive months? 
Then I received a paper bill today ( XX/XX/XXXX ), it shows the payment and shows it is available, which is a lie. I called again and they told me it would be XX/XX/XXXX before it is available. 
Seems like they are playing the float with my money. Is this legal, do I have any recourse?
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Also, the Date Reported is inaccurate ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, I received a letter from Target Card Services contradicts a prior resolution shared with the CFPB on XX/XX/XXXX. See CFPB Complaint : XXXX for the original decision. 

After explaining that a return package ( Order ID : # XXXX ) was lost in transit, Target Card Services agreed to credit me {$240.00}. They incorrectly stated that theyd already credited me for the transaction, but have since discovered that that credit was tied to a separate order. 

After pointing out their error, their latest response ( sent via mailed letter ) states that Im responsible for the {$240.00} purchase with Target.com on XX/XX/XXXX. XXXX. We havent received a return of the merchandise for a refund. To start, I didnt mail my purchase to Target Card Services, I mailed it to Target.com a completely separate entity. I have an open loop Target RedCard XXXX, so Im wary that this issue hasnt been investigated neutrally. 

Secondly, the following response was documented on XX/XX/XXXX in CFPB Complaint XXXX in relation to my initial complaint about this issue : We received a correspondence forwarded to us by the Consumer Financial Protection Bureau XXXX We're sorry for any frustration you've experienced related to the disputed transaction on your RedCard account and for any disappointment with the service you received while trying to resolve your concerns. Our disputes team has investigated and accepted your claim. 

My initial complaint ( CFPB Complaint XXXX ) was issued due to Target.com using a zip code for my return label that didnt match the physical location of the facility that my items were mailed to. Ive stated that I was not offered the opportunity to create my own return label to mitigate any potential loss in transit. Target.com has also been unable to confirm that USPS is indeed responsible for the package loss - or why their return mailing label included a postal zip code thats in an entirely different county than the return destination address. 

As a customer, Ive done all I can to resolve the issue on my end, going as far as to initiate a search for the package with USPS. At minimum, my dispute should take into account the reason that I returned the item initially : I was mailed a damaged item that damaged box. This reason was reported to and documented by Target.com and I took all reasonable steps, as outlined by the merchant, to return the item in the manner it was delivered ( by mail ). 

To resolve this issue, Id like to be refunded for the purchase amount of the item {$240.00}, as outlined in the original resolution shared in writing and in CFPB response on XX/XX/XXXX.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (IN)

Over time as I have made Payments on my Accounts the Loan Providing Companies have NEVER UPDATED BALANCES. THIS has become so obvious to me the past few months, since I have PAID OVER {$12000.00} on MY ACCOUNTS! 

This is a CLEAR VIOLATION of the FCRA pertaining to ACCURATE REPORTING, CREDITING ACCOUNTS IN TIMELY MANNER, MATHEMATICAL ERRORS. THIS SKEWS TRUE BALANCES AS COMPANIES CONTINUE COMPOUNDING INTEREST RATES ON POSTED BALANCES-THIS IS THEFT!
Consumer complaint received 2023-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I don't know if I selected the right things so I apologize in advance I used XXXX through my banking app I use Bank of America I got scammed out of renting a home and the only reason I even felt comfortable sending money to the person was because I literally got a notification before sending that since this was a new person I would be protected for 24hr Please remember the 24hr part ... 30 MINS MAX LATER after sending it ( not even close to the 24hr mark ) I canceled it thinking there would be no problem I lost {$410.00} because of XXXX and Bank of America lying to me I talked to 10 different people maybe max and each person from that company told me not to worry That the claim was in my favor Each And Every Person told me not to worry... .that it was in my favor. That was also clearly another lie and I don't understand why I clearly never got to move lol my address on my bank account is still the same I have reported to the fbi and I am finding other scams and reporting those also
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (NJ)

We sent XXXX + XXXX ( transaction fee ) on XX/XX/XXXX at XXXX XXXX  and since we sent this transaction ; the company has not responded to our inquiry, customer service representatives place us on a very 45 minute hold and disconnect our calls. 

The agent where we sent the funds from has been very helpful and has called several times to get updates and refund details. We were told that the transaction was cancelled the next day by the payer in XXXX and since we processed this transaction on XX/XX/XXXX ; we have been unsuccessful in reaching an English speaking representative or getting our money back. 

We don't know who else to turn to as the agent can't return the money as Sigue 's online money transfer system has been offline since XX/XX/XXXX. We need your help and oversight to get our funds back from sigue for a problem they created and refused to help us. 

money was not available when promised transaction was mishandled customer service doesn't help to direct this complaint and refund We need our full payment with our fee provided along with any other remedial action deemed as appropriate as we sent the funds on XX/XX/XXXX and its been 15+ days and counting and status is the same Payment should be sent overnight in the form of a certified check, ( 3 ) they should be fined for refusing assistance ( 4 ) they should be fined to failing to communicate cancellation and lastly, fined for not giving our money back.
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

Lender : NewRez LLC Loan number : XXXX In XX/XX/XXXX, I noticed that there was escrow account created which had negative balance, I tried to reach them through email but did not get any response, through call which they did not pickup after 1 hour waiting, I searched for all documents I found a document, Insurance - HAZARD - BIND LETTER - XXXX - LP LETTER - - XXXX - XX/XX/2023 - Prior. In this document they said since I don't have hazard insurance they placed hazard insurance on XXXX, and put the, three months premium of - {$1100.00} in escrow which means they are charging from XXXX. And for XXXX again - {$370.00}. Even after raising multiple request from their site I just get " Thanks for contacting us! We'll respond as soon as we can ''. But never a response. 
I waited for 2 hours on call and was able to explain them that I always had insurance, and forwarded the documents to ( as mentioned by chat agent ) XXXX, ( as mentioned by call agent ) XXXX and ( as mentioned in the above mentioned notice letter ) https : XXXX. Now I see in the insurance section my insurance document and escrow amount corrected by {$390.00}, still the negative escrow balance of - {$1100.00} The chat agent on XXXX refuses still states that I don't have hazard insurance which I see on their site, she don't see it. Still they are deducting {$2400.00} instead of XXXX. Trying to reach them again several times, I am not getting any response.
Consumer complaint received 2024-02-01
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harley Davidson Financial Services Inc (CA)

Harley Davidson Financial keeps calling me and asking for my father, XXXX XXXX. I do not live with my father and do not know where he is most days. I have informed Harley Davidson Financial of this information and requested that they stop calling me. They always agree to stop calling me but never stop calling. They call almost everyday.
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (IL)

Demand to Wells Fargo bank to stop filing robot-generated responses with absurd statements and RETURN me my ORIGINAL documents - original Promissory Note, original Mortgage and original Assignments if any and a release of all lies wet ink signed by an authorized employee of the Creditor since the property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX was sold and I am entitled to have my original documents back along with wet-ink signed releases of all liens to prevent multiple liabilities.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom this may concern I have been dealing with XXXX XXXX XXXX for XXXX of last XXXX they put a hold in my account I made several complaints thru cfpb account still on hold they also shared my information with 3rd parties which is illegal and shared my personal privacy information also have my ssn and application and making money on my securities without prejudice all rights reserved
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TN)

I received a call XX/XX/year> from someone supposedly being Chase Bank. The phone number was ( XXXX ) XXXX and was listed from XXXX, TN. I know a lot about XXXX and there is not a Chase Bank there and the phone number they called from is a cell phone number. You could tell they were not from Chase Bank. They were not speaking very formal and they called to tell me that I could get a lower interest rate on my credit card. I do not have an account with Chase Bank. She then transferred me after saying that and I didnt respond to her and a man picked up and said hello two or three times before I hung up. So Im not sure what their intentions or what data they were going to try and get from me.
Consumer complaint received 2024-02-01
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC (LA)

I was a client of Lexington law whom i was approached will researching mortgage loans for bad credit. I was solicited for credit repair where i gave all of my personal information to who I thought was a Lexington law rep i paid them a XXXX dollar upfront fee on the first call and then later agreed to monthly payments for them to help me fix my credit of which was not done I fell behind on the payments and then later re enlisted the services for further help of which was to help to my credit history or score until I finally got fed up and terminated their services this was around the XXXX or XXXX I'm not really sure of the exact dates because it was in a period where my family had just lost everything in a house fire that destroyed our home and from which we never recovered it is the reason why I needed their services and why I am filing this complaint.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Zions Debt Holdings (IL)

I am a victim of identity theft. I track down the person who use my information fraudulently to open a security system at an address I never live at. Ive tried contacting the company. They told me I have to prosecute this person but I dont have money to hire a lawyer. Thats not my signature in the application I have a police report is there anyway this can be removed I dont have money to hire a lawyer the person who used my information Her name is XXXX XXXX . The number that this person use on the application is not my number I was able to XXXX that number and I found a website by the name of XXXX XXXX XXXX I put that number in and her name came up. She also has a XXXX. She used a XXXX XXXX on the application as well. I was able to locate that XXXX  by the name of that email on the application.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (SC)

I have filed an dispute with XXXX twice now. I also spoke with the company who reported the information. They admitted that the information was incorrect but I would have to wait 30 to 60 days for it to update. I have the chat messages as well as a statement from the company ( Affirm ). I did another dispute and attached my documents XXXX still didn't change the information. They said that it stands. But the information is wrong, the balance and late payments. I made two payments in XXXX, and my balance is way less then what they have reported to XXXX.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This past week, I got a refund from a company overseas. This was a refund that was delayed due to the pandemic and took a long time for them to confirm it. 

The amount for the refund was XXXX I checked my account this morning and I saw that a fee of XXXX XXXX was charged to my account. This was not my doing, I had no control over the refund amount that came from overseas, wasn't aware they were international. If I did a wire transfer on my own accord, that would be one thing. But to be charged a fee for a refund is not acceptable. 

Also the multiple charges for a low account fee is beyond unfair. I was struggling with some health issues and had no control over what was happening. In XXXX XXXX XXXXXXXX I believe.
Consumer complaint received 2024-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (GA)

FREEDOM MORTGAGE services my home loan. I received an escrow shortage notice from them that gave me the option to either avoid an increase of my monthly mortgagepayment bypaying off the shortageamount in full, or I could opt to fold the shortage into my monthly mortgage payments, which would resultin an increased monthly amount due. I chose to pay the escrowshortage in full. This payment was made to Freedom in XX/XX/year> and I called their customer service department to confirm that the paymentwouldbe applied to the escrow shortage. I was told that it would, however Freedom failed to do so, I calledFreedom customer service again in XX/XX/year> to make the same request and was assured that this time it would be done. However, to this very day, Freedom has still not applied the escrow payment and lowered mymonthly mortgage amount. Freedom is purposely misapplying paymentsto fabricate their receivables. This is fraud.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The incorrect information being reported to my credit is holding me back from moving forward with my life and moving in the right direction. Lenders will not approve me and accounts that do not belong to me are not being removed because my personal information is not being documented accurately. I dont know what more to do I feel helpless at this point.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: V and H Portfolio (PA)

My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or inquiry. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONLINE Information Services, Inc. (FL)

Yesterday I found out that I have a bill due from XXXX XXXX, I have never purchased or have had XXXX XXXX. During that time I has in college. When I found out I contacted XXXX XXXX and saw that the account was in my name and it was closed. I found out they took my account to the debt collector and I owe XXXX dollars even though I never had XXXX XXXX.