davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (IL)

I have previously had the experience of Citibank charging me fees even when I use Citibank ATMs, miscategorizing these as 'Fees for Non-Citibank ATM use '. I have previously reported these to Citibank and had them corrected, and now on XX/XX/XXXX I was again charged a 'Fee for Non-Citibank ATM use ', even though Citibank itself identifies this transaction as 'Cash Withdrawal XX/XX/XXXX XXXX # XXXX Citibank ATM XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I want the CFPB and other Citibank customers to be aware that this is a known problem that has been reported to Citibank and yet has not been fixed.
Consumer complaint received 2023-06-27
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: WELLS FARGO & COMPANY (IN)

I purchased tracking lights on XX/XX/XXXX from XXXX in the amounts of {$580.00}. It said delivered, but when I checked it never here at my house, never in front of my door or unit. I live on the XXXX XXXX  of the apartment. And there are so many apartment buildings. Proof of delivery did not show the door or Unit number of my apartment. No one sign for the delivery.

Then the banker ( lady ) from Wellsfago called me and said : I see the letter XXXX  on your door in the picture online and it matches the address, only one XXXX for the XXXX building, need to report to the police, you need to call and resolve with the carrier ( XXXX ), I cant do anything or help you. I told her that I already contacted XXXX and XXXX said to contact XXXX, then XXXX said to contact the merchant or my bank institutions. Now my bank ( Wellsfargo ) told me to contact XXXX or police. Once again, I never received anything and it never arrived at my apartments door.
Consumer complaint received 2021-07-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (PA)

I refinanced this car loan and the new company made sure that Global Lending Services received my payoff check by XX/XX/XXXX in order to avoid any further credit reporting. Global Lending Services has diligently reported my car loan payment on the last day of every month since I had the loan in XXXX. I made sure they had at least 1 month payment by the last day of each month to avoid being credit reported for 60 days past due so only to be reported for 30 days past due. I made a complaint due to XXXX XXXX reported my loan as 30 days past due on XX/XX/XXXX the same day they received my payoff check on XX/XX/XXXX for {$12000.00} and they are refusing the correct this credit reporting of 30 days to show paid as agreed. I brought the account up to date and current back in XX/XX/XXXX and XX/XX/XXXX to avoid any further credit reporting while i refinanced the vehicle loan and it was reported as paid as agreed on XX/XX/XXXX and I was assured by a rep at XXXX XXXX on XX/XX/XXXX that since the payment was received the same day that it will be corrected and how they are refusing to correct the reporting. In the letter they advised that due to the account being 30 days past due when the payoff was received by law they have to report the 30 days past due as of that same day even though they got a payoff check that day which makes absolutely no sense to me what so ever. If I would have made my payment of {$500.00} that day it would not have been credit
Consumer complaint received 2023-03-10
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CO)

Specialized Loan Servicing LLC has incorrectly reported a higher current balance on the mortgage three times in the past four months. After I filed disputes to the credit bureaus they corrected the reported balance to the correct, actual balance. On XXXX XX/XX/2021 they corrected this information. Then again on XXXX XX/XX/2021 they corrected it. And now as of XXXX XX/XX/2021 they are again reporting a balance that is {$12000.00} higher than the actual current balance. Three times makes a pattern, and I am concerned that the company is taking retaliatory steps to try and hurt my credit rating because I am currently in forbearance due to COVID impacts on my employment. If not, then at the least this demonstrates poor practice with handling sensitive consumer data.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/ 2022, I received an email from Capitol One that my XX/XX/XXXX payment had been returned due to my account being closed. I was unaware that an old payment account was still attached to my account, and discovered there is no way to remove it unless you call. I logged into my Capitol One account online and saw that the payment was returned XX/XX/XXXX. My credit card payment is due XX/XX/XXXX. I wasn't notified that my payment was returned until XX/XX/XXXX, and was charged a late fee and a late payment would be reported to credit agencies. To re-iterate, Capitol One received information from my previous bank that payment would not be made, and my payment was returned on XX/XX/XXXX ; I was notified of this occurrence two days later, one day after my payment due date. I was essentially duped into a late payment because Capitol One neglected to tell me my payment was returned for two days, until after my payment was due.
Consumer complaint received 2019-01-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

I have an inherited IRA held by J.P. Morgan. In XX/XX/XXXX, I provided paperwork to XXXX XXXX to transfer the IRA to XXXX XXXX. I was informed by XXXX XXXX that J.P. Morgan had  refused the transfer, and had done so for an improper reason. J.P. Morgan claimed that it did not have my mother 's name on the account. ( This is difficult to understand since my mother held the account at J.P. Morgan before she died. ) First, XXXX XXXX asked J.P. Morgan to complete the transfer. Second, on XX/XX/XXXX, I called J.P. Morgan at the number it had provided, but I was unable to leave a message. Third, the same day, I emailed J.P. Morgan. I have received no reply. I need to promptly complete this transfer. 

XXXX XXXX 's explanation is copied below with identifying information omitted : On Fri, XX/XX/XXXX at XXXX XXXX XXXX wrote : Hello Mr. XXXX, I work with XXXX at XXXX XXXX in XXXX, WA. I am handling the transfer of your Bene IRA from JPM to XXXX. I received a phone call today from my back office letting me know that JPMorgan has declined/rejected the transfer because THEY do not have XXXX s name listed on your account there.even though it is a Beneficial IRA and they would have needed her information at the time the account was opened or funded. 



This is, in my opinion, an unacceptable reason to reject, since they have the ability to correct the title on their end. Apparently, they are choosing not to do that. 



I made several phone calls today hoping to avoid you having to contact them, but Im told you must call or e-mail them and request that the title or stencil information be corrected to include XXXX s name, then we will be able to resubmit the transfer once that has been done. 



Here is the contact information I was given for JPMorgan : E-Mail : XXXX Fax : XXXX Phone : XXXX I would be more than happy to join you on a conference call to JPM, at your convenience, if you would like my assistance dealing with them. 



I look forward to speaking with you next week so that we can get this transfer back in process. 



Thank you, XXXX Registered Senior Client Associate XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-10
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. (IN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-10
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. (FL)

In accordance with the Fair Credit Reporting act, Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : 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
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (SC)

I have applied for a prequalify credit card with chase bank and it said it wouldnt put a hard inquiry on my credit report an they did! And they put 4 hard inquiry on my credit. Once is in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX this is redicules XXXX XXXX said I could see if I pre qualify and said it wouldnt hurt my score an it made an hard inquiry!! I need this taken off immediately!! I wanted to improve my credit score not harm it! Im a collage student! And I will like a response back or a call back XXXX. Thanks
Consumer complaint received 2023-06-27
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: National Credit Adjusters, LLC (CA)

On XX/XX/2023, I sent NATIONAL CREDIT ADJUSTERS LLC A CEASE AND DESIST LETTER regarding two accounts. To date, the company is still reporting this account as open and in collections to the credit bureaus, please see attached documents..
Consumer complaint received 2022-09-15
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: DISCOVER BANK (GA)

I have tried so many times to pay this credit card and everytime they add to what I owe. I have been paying them consistently enough to cover my interest and they add extra fees for no reason. This is the second time Ive had this issue with them. I want to pay them off but Im afraid they will claim my money was not in the bank and then im out {$1500.00} because they dont want to give my money back but wont put the correct balance on the account. If this complaint isnt taken seriously, I will be going to the Better Business Bureau and if it still isnt taken seriously, then further action will have to be taken. 

I will include the dates and amounts that I can and the rest I will show documented screenshots from my account. 

I had paid my account down to {$1400.00} and now they pushed it back up to XXXX. Apparently it was at XXXX but I pay consistently so they took it down. Either way the balance is incorrect. 

XX/XX/22 {$16.00} XX/XX/22 {$18.00} XX/XX/22 {$7.00} XX/XX/22 {$20.00} XX/XX/22 {$37.00} XX/XX/22 {$26.00} XX/XX/22 {$56.00} I included another document of a payment I made to them of {$100.00} ( when I created my first complaint on this site ) and more money in the past that Ive paid to them between them and now that they claim was sent back to my bank or that it was never in my account but it definitely posted.
Consumer complaint received 2018-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

Every month I make 2 payments towards my mortgage. Suntrust mortgage holds the payments until I call and advise them that I've made the full payment. They charge me a late fee and they have heavy handed collection agents harass me every month. I have advised multiple times to multiple agents of my payment pattern to no avail. I I feel I'm being harassed by the collection agents for a debt I've paid. The representative who are on a call system told me they NEVER REVIEW CUSTOMER ACCOUNTS BEFORE THEY SPEAK TO YOU. That's monthly harassment. 
I have made the full and most times more than the minimum monthly amount, why the malicious collection calls? 
I received multiple collection calls in the same day which I believe is against the law if I've made payment. 
Once I advise the the ignorant annoyed disrespectful representative it can take multiple business days to be adjusted. Why am I being punished? 
The banks bi-weekly payment plan is cost prohibited. I'm unable to make 2 full payments in one month. 
Please assist me on stopping this collection harassment and total disrespect that Suntrust Mortgage.
Consumer complaint received 2023-08-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have received numerous of phone calls that I have proof where I screenshot the phone calls with my cellphone also called my parents number which made her very upset. 
this week XXXX have called over 5 times this week and last week called over 8 times within 7 days regarding to the Debt collectors violate the Fair Debt Collection Practices Act ( FDCPA ) when they harass, oppress, or abuse you. 
Its harassment when debt collectors : *Place repetitious phone calls or use electronic communications such as text, email, and social media messages intended to harass, oppress, or abuse you or any person *Call you without telling you their name Also the state 's statute of limitations has been reached on this debt.
Consumer complaint received 2023-08-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (MO)

On XX/XX/2023 we applied for a HELOAN at Regions Bank for the amount of XXXX dollars. The address is XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. We finished the paperwork and turned it in on XX/XX/2023 because their computer wouldn't take our information because it froze up. The person doing our application ( XXXX XXXX ) called the very next day at XXXX and said we were denied after they asked us what our race was the day before. Because their computer froze up we had to do it by paperwork. About one week later that was dated on the XXXX we received a welcome letter from regions Bank saying we would get the loan. We gave them all the paperwork they asked for and we have good credit. They still decided to decline us. Without any reason. We went back and asked for and explanation and put in a complaint. We didn't hear anything back. We called again and asked what the status of our complaint was and they told us over the phone with no further explanation that we were denied because we had a bad risk grade. We understand that their bad risk grade. We have very good credit.
Consumer complaint received 2018-05-23
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: SYNCHRONY FINANCIAL (IL)

On XX/XX/2018, a credit inquiry was initiated, but not by me. I contacted Synchrony as advised by XXXX XXXX, but Synchrony could not provide information regarding the account as they are claiming it was not reported by them. I contacted XXXX and their response was to obtain a statement from Synchrony, stating that I did not initiate the request. I received paperwork to submit to Synchrony to dispute the inquiry and they denied my request to remove the inquiry ... again because it's somehow not their account but has their name on it. The specific inquiry has something to do with " XXXX XXXX. '' They recommended I contact XXXX XXXX since its supposedly a known issue that had reached resolve, so I did, and XXXX XXXX suggested I contact XXXX. At this point, I'm being ran in circles and receiving no helpful information from any of the entities involved.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (TX)

My right to privacy is being infringed upon by Department of Education/ AIDVANTAGE . This Company is disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX, XXXX, XXXX, XXXX and XXXX after I have instructed them to cease in doing so via an opt-out notice.
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to state that Capital One 's credit card business is purposely trapping consumers with late fees. And they should be required to update their site and billing practices to correct this. 

History of events : 1. Bill was sent with payment due date of XX/XX/XXXX, to the amount of {$7000.00}. ( ok ) 2. Next bill was due XX/XX/XXXX for {$7000.00} + fees and interest totaling {$7100.00}. ( ok ) 3.  Their website site offered the following payment options and info : a ) Last statement balance ( and showed the amount ), b ) Current balance ( and showed the amount ), c ) Minimum payment ( and showed the amount ). 

When I paid {$7100.00} on XX/XX/XXXX, which was the stated total of the bill before the XX/XX/XXXX due data ( and {$0.00} over the amount due ), I expected to have paid in the amount in full, and have a zero balance due. 

However, according to Capital One the " Current balance '' is DIFFERENT FROM what they call the " Pay off balance '', which is the Current balance PLUS unstated additionally charged interest. Having addition interest due on the due date that is beyond the amount noted IN THE BILL is poor credit card business policy ( to the point of sounding questionable legally ). But, MORE importantly, not having this " Pay off balance '' amount clearly stated on the main account page of their website, nor on the payment page, is nothing short of a trap. 

Yes, I should have opened my next bill. But knowing that I paid it in full well ahead of the due date, and then removed that card from my wallet -- I didn't. 

To be clear, when I reached out to them, they did reimburse me for the late fee ... though NOT the late fees applied to the late fees on the unstated interest for the next 3 months.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EXPERT GLOBAL SOLUTIONS, INC. (CA)

I contacted SST and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and SST bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XXXX {$250.00} were paid to XXXX XXXX/SST but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.
Consumer complaint received 2019-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (CA)

I XXXX XXXX XXXX, have payed off the vehicle loan with Navy Federal Credit Union ( NFCU ) and they have reported to the credit bureaus that I've made late payments. This information is incorrect and they refuse to fix it.