davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
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: Experian Information Solutions Inc. (VA)

The amount on the collection is not accurate. The company had not proven the amount to me. In XX/XX/XXXX my balance was XXXX. This is the accurate amount. They have charge excessive fees and interest as currently the balance shows XXXX and it has been reporting past due as if it is an active account which is not accurate and impacting my credit score more than any other collections. This is not fair credit act and is inaccurate report. Also the account was not started in XXXX. It was XXXX. They closed my account in XX/XX/XXXX and they continue to charge interest and fees until they reported to the credit berau this is against the fair credit act.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Over the past year, I had to change my Citi Prestige credit card number six times due to fraudulent charges, which keep appearing even after changing my physical card number. Every single fraudulent charge is listed as having made using a " Digital Account Number, '' so my guess is that someone somehow was able to my Citi Prestige card to his/her XXXX XXXX or something, and Citi is not revoking virtual credit cards that are linked to my account. For example, I myself have my Citi Prestige card on my XXXX XXXX. Whenever I request a new credit card number, Citi Prestige card on XXXX XXXX  automatically updates to the new card number without any sort of verification. Hence, if a fraudster already has my Citi Prestige card on their XXXX  XXXX, what is to prevent that fraudster from continuing to use my Citi Prestige card even after I get a new physical card number? 

Here are the details on the trouble I have been having over the last year. On XX/XX/XXXX, there was a XXXX charge for {$8.00}, which was made using " Digital Account Number '' ending in XXXX. I promptly requested a new card number. Then on XXXX XXXX, XXXX, I saw a XXXX charge for {$15.00}, again using Digital Account Number ending in XXXX. On XX/XX/XXXX, I saw another XXXX charge for {$8.00}, again using Digital Account Number ending in XXXX. I received a new card number again. Yet, on XX/XX/XXXX, I received another XXXX charge for {$8.00}, which was made using Digital Account Number ending in XXXX. I spoke with Citi and I was told the digital account number was taken care of. Since then I have not seen any fraudulent XXXX charges. 

However, on XX/XX/XXXX, I got a Citi alert for " A {$0.00} international transaction was made at XXXX XXXX on card ending in XXXX. '' That charge never posted. But then the next day on XX/XX/XXXX, a {$20.00} charge was made by " VIU PH '' in XXXX XXXX, using Digital Account Number XXXX. I immediately turned off the Citi Prestige card using Citi app XXXX. Even after I disabled the card, four more {$20.00} charges by XXXX XXXX  were made on the card. I reported the card lost or stolen, and have since received a new card.
Consumer complaint received 2020-09-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (CA)

I have a XXXX home mortgage. I signed on with a company called Paymap ( Accelerated payment program ) in XXXX or XXXX. I paid this company {$9.00} a month to accelerate my XXXX payment by making additional payments towards my principal. 

In XX/XX/XXXX I noticed the name had changed on my online statement from Paymap Inc. to EARN UP. 
Earn up was taking out {$1100.00} every 2 weeks ( where as Paymap was taking out {$980.00} every 2 weeks ). I called to inquire why an increase from {$1900.00} a month to {$2200.00} ( an increase of {$320.00} a month ). 
Earn up said they acquired Paymap on XX/XX/XXXX and they weren't removing enough . 
I cancelled the EARN up service and was refunded money due to me. 
My question is how to contact Paymap ( Payment equity accelerated ) to be refunded for the {$9.00} a month they charged me without providing the service i was paying for for years? 
According to the XXXX representative he said Paymap added XXXX cents on to my payment. 
The agreement was they would be adding enough on to my monthly mortgage payment to be equivalent to 13 payments being made instead of 12. Thank you, XXXX XXXX XXXX.
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX XXXX ID # XXXX attempts to collect on what is KNOWN ID THEFT By USAA FTC XXXX see attatched. see CFPB usaa response. XX/XX/XXXX XXXX USAA IS WELL AWARE OF THIS ID THEFT BUT HARRASSES ANYWAY. 18 SCAM CALLS then I answered. see attatched FRAUD CLAIM DATE {$470.00} XX/XX/XXXX Confirmed Unauthorized and STILL UNRESOLVED.?? see attatched CRIMINAL INVESTIGATION OF USPS DELIVERIES XX/XX/XXXX proof Not delivered into my hands. see attatched ( Duties when ID THEFT Occurs * LAWS IGNORED BY USAA. XXXX see attatched ( FCRA STATUES * 15 LAWS USAA IGNORES. )
Consumer complaint received 2021-01-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX : Equifax To Whom It May Concern, I sent a letter to Equifax dated XX/XX/XXXX disputing an unauthorized inquiry as erroneous, and I have not received a response from them. They have NO proof I initiated such inquiry, nor written authorization, and have failed to provide any permissible purpose. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate the dispute. If they could not verify the information within 30 days, they should have deleted the disputed unauthorized inquiry from my report. 

I have frozen and suppressed All 3rd party information vendors since Summer XXXX, including XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. EQUIFAX MUST VERIFY THIS UNAUTHORIZED INQUIRY DIRECTLY WITH THE COMPANY LISTED BELOW, NOT WITH 3RD PARTY DATA MINORS. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The following inquiry is unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached you will find copies of my 3rd party vendor proof of suppression and the demand to comply package sent to Equifax. 

Sincerely,
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXXXXXX # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX/XXXX  # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following item I wish to dispute on my credit report : XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. XXXX XXXX XXXX XXXX, has violated my rights. 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 an 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 2020-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

Navient assured me, twice, no payment would be pulled for XXXX. Then they pulled a payment ( nothing was due ) and now I can't afford to eat. They kept blaming the government as a reason they could not refund me the payment in under a MONTH. The Navient Supervisor told me my only option was to have my bank lend me money, or starve.
Consumer complaint received 2021-03-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX and XXXX XXXX have two mortgages thru Shellpoint Mortgage. On XX/XX/XXXX they suffered a total loss on their home which was insured thru XXXX XXXX. 
The contacted Shellpoint in XX/XX/XXXX and got two mortgage payoff 's, they next sent the XXXX XXXX check which was payable to both them and Shellpoint Mortgage for the 1st and 2nd mortgage. The difference between the funds from XXXX XXXX and Shellpoint the XXXX got a check and sent from XXXX XXXX XXXX. Both were received by Shellpoint, they acknowledge they received the checks but are not applying them to the 2nd. Over a month has passed and interest is accruing, soon to be 30 days behind because they have not applied the payment. Several Customer Service people, Loss Draft people and supervisors have been contacted with no help or return call. 
We need somebody to properly apply the funds sent and release us from this mortgage. They need to make the payment retroactive as they have had the payoff funds for at least 45 days. No one seems to help they just pass you around to the different departments. Also XX/XX/XXXX loss of two payments made to DITech.
Consumer complaint received 2020-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (CA)

Im member of XXXX because I have a problem with previous preaching happened with XXXX XXXX, XXXX, and XXXX. On those three Im one of them. On XX/XX/XXXX. 2020 collection agency name diversified adjustments appeared negative item on my credit file Without Out Notified me or give the right to dispute latter. in three credit bureaus and my score went down by 50points. I contacted to the agency I stated that they violated my right to dispute, after that called to the agency my calls went to voice mail and they go the name by quality insurance. Since I didnt get any latter or call from them, I feel they violated my right to dispute .Thanks
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase abruptly closed my account with no warning or informing me as to why. They stated I can not have my money from the account I will recieve a check in the mail in 7 to 10 days. However I have children I just got paid my rent is due and I have no money to get food or gas to get back-and-forth to work and Im supposed to wait 7 to 10 days and actually I just got off the phone with them and they said XX/XX/XXXX and they have the right to keep it private on as to why they ended my account but yet they just approved me for a savings account in addition to my checking account and send me a new debit card in the mail, so this is very unprofessional and I deserve to have know why I do owe a past due debt to a bank which I have an attorney for and Im working out the debt as we speak so this should not be allowed
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OH)

Back ground : I have been a Citibank customer since XXXX. During this time I have never paid a XXXX of interest and have paid my bills on time. Without warning they cut off my credit creating a nightmare because it is my only card and many payments like insurance are taken off this card. 

Details : Because of XXXX the mail has been very late. the Citibank invoice for XXXX was sent on XXXX but not received until XX/XX/XXXX. In that time I called and requested another invoice ( did not happen ). The full payment check was sent on XX/XX/XXXX, the day after receiving the invoice. It has not gotten to Citibank. 

Consequences : I can not use my credit card. 
Several services have been cancelled because the card on file ( Citibank XXXX was suspended. 
I have gotten an email that my credit score has gone down. It was in the mid 800 's. 

What I have done : I have called numerous times. I believe that I have talked with agents who are in XXXX. I have endured long wait times only to be cut off. When I did get through, I was told to pay {$35.00} late payment toward the payment. I respectfully declined. They have also charged me {$91.00} in interest. 

Conclusion : We have all been affected by COVID and had to make adjustments. Citibank has not taken the steps to deal with this crisis. Why would Citibank suspend my card without telling me? Why can't I deal with someone who has the authority to make decisions? It seems that the rules are hard and fast. With all the circumstances of our time, why is Citibank not more flexible? I now owe the original {$1400.00} plus {$91.00} in interest plus {$35.00} late fee for our XXXX invoice. The XXXX invoice, which should have arrived has not so this will be an additional problem. I can not speak to anyone to solve this problem. My credit score will continue to be affected. This is a nightmare! 

THEIR CUSTOMER SERVICE LEAVES A LOT TO BE DESIRED! 

XXXX XXXX XXXX XXXX 37 year customer of Citibank
Consumer complaint received 2023-03-01
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: CITIBANK, N.A. (MI)

So why use my identity? I am a fraud victim. I contacted the company they refuse to take it off my credit report I did not get information for no one to use my information I have contacted the credit report I have sent proof police reports. FTC report and they refuse to take that off my credit report and its messing up my credit. I pay all my bills on time but I will not pay for something. I did not do XXXX data data breach at the time of the transaction was made, and I was one of the people, that was in the data breach I need help to get this off my credit report
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Experian dinged my Credit report for inquiries, there are four on my account and after the two years have lapsed, they are not removing them and placing the points back on my account tha they took from me.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

My ex husband kept trying to close my account, he has nothing to do with my account and was not authorized on rthe account. In XXXX of 2023 he requested my account be closed and it was closed. I called and spoke with member services and explained the situation. I was told my account would be reopened and that notes were put on my account explaining that no changes should be made to my account by anyone calling support. Not even 48 hours later my account email, phone and address were changed as a result of him contacting support again. This action locked me out of my account and allowed him to transfer {$1400.00} to his own account. While he was able to do this in one phone call I had to jump thru hoops for a week before I was given access to an account that was empty. I disputed the transfers and a few other charges he made. Chime denied my dispute stating they found no errors in the transactions. I submitted multiple rebuttals and explained in depth how this was not authorized transactions that occured during a time when I had no access to my account after access was given to an unauthorized person despite stating my account had notes not to make changes on it. I even suggested that they look into the IP addresses for devices accessing my account and see that they changed when my account info changed and that this would confirm an unauthorized user. Again they denied my dispute. I asked for documentation used and received a vague intake report form that had minimal details about the incident
Consumer complaint received 2020-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Geneva Financial, LLC, Chandler, AZ Branch (CA)

We were assured that we could apply for a loan and that the application process would be simple. The mortgage company misled us and requested voluminous documents without disclosing that the application process would be extremely burdensome. I complained multiple times to the mortgage company, but they have deferred to their underwriter who keeps creating new requests. These delays are going to cause us to incur a late payment penalty with our current mortgage because we believed the mortgage company was that a decision would be made after we complied with prior requests for documents.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WA)

In XX/XX/XXXX, the XXXX XXXX as cancelled and as replaced with a Synchrony XXXX. The {$81.00} balance I had on my XXXX XXXX should have been transferred to the new XXXX. It wasnt. 

So, via the XXXX account payment link, I paid the {$81.00} outstanding balance on XX/XX/XXXX. But it wasnt credited toward my account. It was credit toward the new account. Synchrony said theyd fix the issue. They didnt. The balance remained. 

I again paid them {$81.00} toward the XXXX account on XX/XX/XXXX. And once again, they credited the payment not to the XXXX account, but to the new card. My balance on the XXXX account remained at {$81.00}, but XXXX  promised to fix it. They didnt. 

So in XXXX I tried something different. My balance remained {$81.00}, with a minimum payment of {$29.00} due on XX/XX/XXXX. I paid {$29.00} on XX/XX/XXXX. It again was not credited toward the XXXX card, but the new card. I paid them {$29.00} again on XX/XX/XXXX. Same thing happened- it was credit toward the new card, not my XXXX balance. 

I contact Synchrony on XX/XX/XXXX and am assured I wont be marked as having a late payment. Well, its XX/XX/XXXX, and despite me paying them multiple times, more than the minimum, theyve marked me as having a late payment. They also deregistered my XXXX account. I can no longer login to see the balance ( which still stands at {$81.00} despite my many payments ), and I also cant login to even attempt to pay it off. 

The account has been closed for many months. I no longer have access to the full CC number, so I cant even attempt to reregister this account. 

I have never made a late payment on any credit card account in my life, and Im very upset by the way theyve mishandled this. If they dont correct it by XX/XX/XXXX, they will falsely report a XXXX  day late to the CRAs, unjustly impacting my credit, and this will become a FCRA violation. 

I want this issue fixed before we reach that point.