davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

I HAVE 2 CITIBANK CREDIT CARDS AND FOR YEARS. DUE TO MY FINANCIAL CICUMSTANCES, MY PAYMNETS STARTED GETTING LATE WHCIH NEVER HAPPENED BEFORE AND DUE TO HIGH DEBT, THEY CLOSED MY CREDIT CARDS AND NOW I HAVE ISSUES DUE TO CORONA VIRUS AND HAVING ISSUES IN MAKING PAYMENTS. CITIBANK INSTEAD OF COMING UP WITH A PAYMENT PALAN, THEY CLOSED MY CREDIT CARDS. I WILL PAY THEM ALL OF THEIR DEBT BUT WANT THEM TO REOPEN SAME CREDIT CARDS.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (PA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX XXXX : {$27000.00}
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, my husband deposited money in my account at the ATM of the bank we do business with. Soon he received a call asking for the primary of the accounts which is me. My husband said don't you have it. The man hung up. I was doing a XXXX pickup order on my phone. When I finished I went to pay and it said insufficient funds. I knew the money was in, so I thought it just a data hangup and would send through again later. I'm not sure how long after, but I checked the balance on my bank app. It showed XXXX. XXXX paid out through XXXX. Also I am primary for two other accounts. One is my husband and one is my son 's. My son had XXXX paid out through XXXX to same phone number. My husband had XXXX paid out through XXXX  to same number. I immediately called my bank and told them the whole problem. They transferred to fraud dept. Immediately shut my account down, since it was all done with my primary account. So I had to change everything. They responded by the allotted time they are required to. They gave the money my husband and son lost back by depositing in their accounts. My account that lost XXXX  would not be given. They claimed that the fingerprint on my phone used and that is impossible for anyone to do. I was stunned. I know I didn't do it, so that meant there has to be a way. I have found several ways it could be done. Why steal my own money? Where did the transfer go to. I asked all these questions and I got long silence then I'm sorry we are not refunding this claim. I then called XXXX to be told this is not their responsibility that would be my bank. I asked if they were working together. Find out where the transfer went. No they are not. XXXX  filed the incident with police and they were dry and unhelpful. I have filed with the FTC and here I am 4 months later still missing that money. It was to pay bills, I have been in arrears since with my utilities. I had to get help from city assistance programs. It was a horrible experience. I still am with this bank till i get money back, so I'm allowed to get documents. I'm constantly watching for fraud. Like a job I watch and monitor. Why would they pay back 2 accounts and not one? I finally heard about regulation E and now I'm here. It's such a blessing we have rights!
Consumer complaint received 2024-04-17
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received an email from XXXX saying they received an order for a product and were getting ready to send. Since I never ordered anything, I assumed the email was spam or may have been a hacker. But then, I received an email saying the order had been shipped. I looked at my bank account to find that two fraudulent charges each for the amount of around {$2000.00} each for had been made for the same product. 

I contacted XXXX, who told me to contact my bank. I contacted my bank BofA. They removed the charges. A few days later I received a call from an agent at XXXX who was tracking the case. I have a transcript of their initial voicemail. I spoke with them later and they said they were able to retrieve the item. I had let everyone know there were two fraudluent orders made for the same item. 

I found out today that the BofA is now charging me for one of the {$2000.00} fraudulent charges because XXXX says is was delivered to me by XXXX XXXX. I have the tracking number which shows it was delivered to XXXX, not me. I never signed for anything and never authorized anything. I have been with BofA for over 40 years as a valued client. I am not paying for something I never ordered. I can provide you with everything I have. The bank re-opened the claim, but won't speak with me about this. What an outrrage. I also reached back out to XXXX who again said to work with the Bank. 

I went back to the XXXX website and located a proof of delivery for the item. It's just a print out which was not signed for be. It has the words typed XXXX on it. That's not me.
Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

To Whom It May Concern, The reason for my dispute is HRRG I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HRRG failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. HRRG is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HRRG is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.HRRG has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-03-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (FL)

The phone comes up on my caller ID as Convergent. I saw they had called me a couple of times in a day and I went and looked them up. I found that they were a supposed debt collection agency. Most of the information I found lead to me doubting their authenticity. Since then, they have been calling me everyday, once in the morning and once in the afternoon. This has been going on for a little over two weeks ( since the beginning of XXXX ). I am up to date with all my payments, I have never had a late payment, and the medical bills Ive had I had set up payment plans and have payed them off on time. Therefore, there is no possibility of being called by any debt collector. I have an impecable credit history so i very much hope that these false claims stop and do not affect it.
Consumer complaint received 2021-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

Afternoon, I have reached out to XXXX XXXX through certified mail and phone with no resolution. They have placed an account on my credit report without validation. I have requested validation on several attempts and have gotten nothing. Please hep me
Consumer complaint received 2020-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

In XXXX, I tried to make purchases of Bitcoin through a payment service that sends Bitcoin to your wallet after your payment processes. I tried multiple times on different days and every time my card was denied. Later on, I noticed that 4 times the money was actually taken out of my account but I had never received the Bitcoin. I contacted capital one about it and 3 months later I get an email stating that 2 of my disputes were approved and two were denied. I have been contacting them about it and they are still not helping me with the two charges that were denied. It makes no sense to me because all 4 charges were of the same nature, yet only two were approved. The denied charges were on the following dates for the following amounts. 
XX/XX/2019 for {$1000.00} XX/XX/2019 for {$1500.00} Thanks
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (VA)

Attempting to collect XXXX for a cable bill. Documentation provided shows a bill dated XX/XX/18. Owed XXXX which was a previous balance. On XX/XX/XXXX charges of XXXX for equipment charges. On XX/XX/XXXX equipment was returned and an adjustment was made for {$590.00}. Leaving a balance of XXXX. Convergent has continued to validate debt that is not owed and provided proof from all the bills.
Consumer complaint received 2022-03-26
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: EQUIFAX, INC. (PA)

I first contacted Equifax in XX/XX/2018 regarding an incorrect item being reported on my credit report for XXXX. I informed them I never opened any account with this company, nor did I give anyone else authority to sell my personal information to a third party. Since they did not have my authorization they should not have placed anything related to HIPPA in my personal credit file. I have been asking Equifax for proof, a signed contract, and validation and verification, which they failed to send me. I disputed this account with all three CRAs and XXXX and XXXX removed these accounts back in XX/XX/2018. Equifax has willfully ignored my request and violated my consumer rights.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Issue : I, XXXX XXXX, booked flights ( Itinerary : XXXX ) using credit card points through Chase XXXX XXXX XXXX for my brother, XXXX XXXX, and his family on XX/XX/XXXX ( pre-COVID ). These flights were subsequently cancelled due to the pandemic emergency and shelter-in-place orders. A credit of $ XXXX XXXX tickets was given with an expiration of XX/XX/XXXX. 

These credits expired during the XXXX XXXX variant surge where CDC and California state health officials discouraged airline travel. I contacted Chase in XXXX of XXXX asking for credit extension or refund given that the pandemic precluded travel on the date of expiration. They agreed to a full refund of XXXX points and cash refund of {$44.00}. To date, I have received the {$44.00} as a credit on my Chase account on XX/XX/XXXX. I have NOT received by refund of the XXXX points which is worth approximately {$2400.00} ( see XXXX file, attached ). 

On XX/XX/XXXX, I received an email from Chase stating I would be receiving a full refund of {$44.00} and XXXX, XXXX points ( see XXXX file, attached ). A credit to my Chase account of {$44.00} was provided on XX/XX/XXXX ( see " XXXX XXXX '' .jpg file, attached ) however I have not received my refund of XXXX points. 

I have made phone calls to their travel program ( Case number XXXX ) in XXXX and XXXX of XXXX and discussed the issue with two separate supervisors. Both supervisors stated they were unable to issue a refund because of a technical issue with their system as the reservation was too old. Each supervisor stated they would send a service ticket to their IT department and ensured a prompt resolution which has not occurred. This issue appears to be purely an IT/systems related limitation on Chase 's part to refund the points. They have already agreed, in writing and verbally, to provide the above refund and have already partially done so ( e.g. {$44.00} credit on XX/XX/XXXX )
Consumer complaint received 2024-04-17
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Onity Group Inc. (IL)

PHH/Ocwen is trying to steal my house. The FHA subsidizes all losses on this property. Their response to XXXX fails to address why the valuation appeal was denied and why that denial was communicated XXXX  days after the judicial sale, see the XX/XX/24 letter attached. This sole action violated their own rules ( see their reconsideration of value process below ) and why they " repurchased '' my home at the judicial sale for an overvalued price violating the heir payoff process and HUD 's rules/laws governing reverse mortgages that grants heirs the sole exclusive right to purchase the property at XXXX % of the current value. The following ( XXXX ) questions need to be answered, XXXX. Why was the appeal denied and provide the qualitative data XXXX. Why did they proceed with the judicial sale before resolving the appeal as per their own reconsideration of value process? XXXX ) Is PHH going to self-correct this violation by submitting me the previously rescinded contract of {$52000.00} which will be wired to them within XXXX days? 

PHH violated their own process, see following : RECONSIDERATION OF VALUE PHH is committed to ensuring any valuation used in our servicing practices are independent, and are free from bias, discrimination and undue influence. If you believe that any person has attempted to influence the real estate agent, broker or the XXXX for your propertys valuation or if you have any concerns with the factual or other errors or omissions, inadequate comparable properties, reliability or credibility of the valuation in any manner, please report your concerns to us as soon as possible with evidence to investigate this matter by writing to the address below : PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent investigation and dispute letters on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

XXXX from XXXX XX/XX/XXXX transaction was done by me from my XXXX  account, through western union to XXXX overseas bank XXXX, XXXX It is already 12 days my money not yet received to my fathers account, i spoke to them western union customer care they told it is already successfully processed but until now my bank did not received money, i tried lot of times to reach western union customer care they are not picking up the call, i am in the emergency situation to pay my XXXX to bank, so kindly follow them to pay my money back assoon as possible..
Consumer complaint received 2022-12-30
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. (PA)

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, XXXX XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX : 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 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 2021-07-30
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-04-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Self Financial Inc. (FL)

I had and account that was closed late 2023 and have not entered another contract or agreement with Self Lender, after noticing my account overdraft I checked to see that Self had withdrawn money from my checking account in XXXX and then when I called my banking institution they informed me that Self Lender had also taken money out the previous month. I called Self Lender on XX/XX/XXXX to inform them for them to say they have no information available, they ask me to send a screenshot of the transaction in which I did and XXXX with id # XXXX stated that he couldn't help me and that he would have to escalate this matter, then I expressed that I would like the email or phone number to corporate and XXXX then stated that he couldn't assist me. That's when I told him that I would make a complaint and he said fine.
Consumer complaint received 2024-01-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

On XX/XX/XXXX, I contacted Comenity bank in regards to my XXXX Credit card. I had tried last month to set the account up on bill pay through my bank. I called them to get the correct information to set the account up. I was told that the information on the statement was the correct billing address. My bank could not find the information given for electronic payments and said they would have to send it out by check. A check was sent to Comenity Bank for XXXX in the amount of {$44000.00} through my bill pay account. The bill amount was {$440.00} ; obviously I set the payment up for the incorrect amount, I would just leave a XXXX cent balance, as I pay my credit cards in full when I use them. The back of the check was stamped by Comenity but it does not have a date on the stamp. I received a new statement this month, the statement shows that still showed my amount due from previous statement plus new charges, along with late fees and interest. I called the bank to speak to someone about the problem, I got a customer service rep that agreed to waive the late fees., but would not waive the interest on the {$440.00} I told them I am willing to pay the interest on the XXXX cents, but the extenuation circumstances surrounding their bill pay system was the reason the payment did not reach them in time. I was told that they would waive it this tiime but If I have another late payment they woiuld add this one back along with a new one, but they could not adjust the interest. I tried to explain to him there is no way@ 33.24 % should I be charged XXXX on XXXX cents. I was on the phone with the customer service department for over 30 minutes and pushed from person to person and I was told by everyone that I spoke with that they do not waive interest. I did not ask them to waive the interest, I suggested that they charge me the interest on the XXXX cents since it was not included with my payment, but they charged me interest on the {$440.00} plus my current charges of {$32.00}, which are not due yet. According to my statement Balance subject to interest rate {$480.00}. Which means they charged interest before my next due date. I'm a little confused!! I am sure that if this company has a policy that they don't refund interest that is not due them, I'm not the only person this has happened. it might be on {$13.00}, but it should be in my account not theirs.