davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
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. (OH)

XXXX XXXX XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2016-02-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IN)

The escrow account does not add up. Chase Bank keeps raising or mortgage by hundreds of dollars every few months. They claim we have an escrow shortage after they have completed their analysis. They lied and said our home owners insurance went up from XXXX a year to XXXX a year. I called usaa and our mortgage has never hone up I called chase bank to cancel the escrow account and first they promised and then called to refuse. Our property taxes are only XXXX. A year. We pay XXXX a month for escrow plus additional amounts XXXX. XXXX to keep our mortgage payment down. They are crooks.
Consumer complaint received 2022-05-16
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: CITIBANK, N.A. (TN)

XXXX overcharged for a car rental. Contacted XXXX who claimed they would fix the error and credit back to the credit card but they never did. I submitted a dispute online with the credit card company, Citibank, but realized after I had submitted it I needed to change some of the information regarding the dispute. The only option available on the website was to withdraw the dispute, which I did, assuming I could simply resubmit it with the corrected information. But that was not an option. I called the credit card customer service and explained the situation but they just mindlessly regurgitated their horrible policy that you can only dispute a charge one time, regardless of the fact that it was only in the system for less than 5 minutes and absolutely no action was taken on their part from the dispute. I asked for a supervisor who also regurgitated the policy and basically was told to go pound sand. I don't see how this can be legal or ethical when I as the customer am telling them I want to dispute the charge but they won't because of their stupid policy.
Consumer complaint received 2022-05-16
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. (TX)

I sent a letter off XX/XX/2022. Here is my tracking # XXXX # XXXX # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial insititution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2017-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation (MO)

In XXXX XXXX I contacted Avant based on an email I received offering an installment loan. I was told over the phone, by an Avant agent that the loan amount might be slightly higher than I would normally pay, 30 percent interest, but after, " a couple of years of on time payments. '' I could refinance for a lesser rate. After 2 years of on time payments I contacted Avant in  XXXX XXXX and was told that I could not refinance, even though there was no change in my credit score, my address remained the same, and my employer was still the same. I informed Avant about the statement made in XXXX of XXXX and was told that they did not have to honor it. I contacted Avant several times via telephone in XXXX regarding this dispute. I made the request for the terms and conditions and filed a written complaint ( attached ) via certified mail, as outlined in Avants, XXXX XXXX terms and conditions. Avant did not respond to the letter as they were supposed to in the agreement. I then was told via telephone that if I let the loan fall a few days past due that I could offer a settlement. I allowed the account to fall past due and was then told that I could not pay a settlement amount. I was offered a reduced payment plan, " until the dispute was resolved '' for 6 months. I entered this agreement and paid as agreed. I was not allowed to pay in XXXX of XXXX and had to call a second time and file a complaint to make a payment. In XXXX of XXXX I was again not allowed to pay. I contacted Avant the end of XXXX and offered to make arrangements but was told that someone would get back with me. Nobody returned our calls or emails. I then offered a settlement amount and stated that I did not want my consumer report harmed and Avant offered to settle, but did not provide an amount. I offered an immediate payment of XXXX dollars, but did not receive a response. I emailed several more times and my husband contacted Avant on  my behalf to no avail. On XXXX XXXX, XXXX, through the online portal at avant.com I was offered to reduce the rate to 9.99 percent, which I accepted. The next payment due was then shown as XXXX XXXX, XXXX. The account has never shown past due and during the period between XXXX XXXX, XXXX and XXXX XXXX, XXXX I was in contact with Avant regarding the dispute. The last payment was due XXXX XXXX, XXXX ... yet Avant is now reporting that I am 93 days past due to XXXX. I have contacted Avant and they continue to fail to respond. I do not want this to harm my consumer report as I have very good credit, I have not missed a payment on my own accord and only missed the XXXX payment because Avant would not accept it and I was in dispute trying to get Avant to take a payment for the next 29 days.
Consumer complaint received 2022-03-23
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. (TN)

EXPERIAN continues to violate my consumer rights by illegally and improperly reporting inaccurate information on my consumer file! Ive continuously tried to work with EXPERIAN and have the issues corrected, but EXPERIAN continues to ignore all of my notices. Ive recently sent EXPERIAN an AFFIDAVIT OF NOTICE FOR VIOLATIONS! EXPERIAN is intentionally neglecting my rights and are now civilly liable pursuant 15 USC 1681n in the amount of {$1000.00} per violation outlined in my affidavit.
Consumer complaint received 2022-03-23
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. (CA)

Im accordance with the Fair Credit Reporting Act XXXXl XXXX Account # XXXX Dept of Ed/AXXXXe Account # XXXX Dept of Ed/XXXX  Account # XXXX Dept of Ed/XXXX Account # XXXX Dept of Ed/AXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Service Account # XXXX XXXX XXXXl Service Account 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
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

As a XXXX  I was doing online classes through XXXX XXXX college. I was able to receive student loans to pay for my classes. My loans monthly payment amounts were minimal amounts that were paid every month. After being hired by the local XXXX XXXX, I qualified for a loan deferment plan. This plan allows my loans to be deferred every year up to ten years. Due to a time delay in the deferment processing in XXXX of this year my accounts showed late payments of 90 days. I was told all late payments would be removed from my credit report in approximate 30 days, but the late payments are still reporting. This has dropped my credit score about 70 points and has really hurt me trying to obtain credit for a new home and new vehicle. I would love to have this issue resolved as soon as possible. I have tried disputing these inaccurate accounts with the credit companies, but have not gotten anywhere.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CITIBANK, N.A. (CA)

I receive a letter from CITI stating that I had enrolled in Credit Protection ... which I NEVER ENROLL!! ... ..I never gave any one my concent to do so ... ..this is robbery on their part .... reference number ... XXXX
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Wednesday, XX/XX/XXXX, I paid my rent payment through the company 's online portal. the payment went through on Wednesday. It was in the amount of XXXX. I checked the account after making the payment, and saw it was processing through my Bank of America checking account. The next morning, I checked the bank account ( as I do every morning ) and everything was fine. The next morning, on Friday the XXXX, I saw that Bank of America had processed the same payment a second time, making my account severely overdrawn. The transaction numbers on both transactions- are identical. I first contacted my local branch, who assured me the matter would be resolved. He never contacted us back or made any effort to resolve the matter. We went into the bank the following day - as well as contacting the customer service number on the back of the card - both parties told us they needed to wait until Monday ( the next business day ) to resolve the matter. On Monday, neither of the offices contacted us regarding the problem, so I called the customer service number again. This time, I was told it would take up to 90 days to remedy their error. I had already provided proof that I did not authorize the transaction, nor did the merchant ( my landlord ) receive the payment. My landlord has also been in contact with the local branch to reiterate that information, and provided them with such documentation. This is clearly an error on the bank 's behalf ( especially considering the transaction numbers are identical ), but they refuse to accept accountability. Due to this, I have been unable to conduct business with my current customers or accept new clients. My life- and my family 's life- has been made to suffer. And several payments are now past due. The bank even returned a credit card payment I made on the same day of paying my rent ( there was enough funds in the account to cover both ... until they ran it a second time ). Now, I have a returned payment fee from them, a late fee and they are threatening to close the account. Meanwhile, my bank wants to do nothing but tell me to wait and be patient and 'apologize for the inconvenience '. Please help me get this matter resolved. 
Thank you.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NY)

Im demanding my remedy being that the FCRA says I the consumer can get remedy for the violations done against me. Im asking for remedy for 9 violations against me under 15 USC 1681b ( a ) ( 2 ) which is identity theft and fraud. Please help with this matter because Experian has a conscious effort of not caring about this matter.
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (TX)

I signed up a 6 months commitment with XXXX XXXX. During one of the training sessions, I hurt my knee. Informed the Instructor immediately and seek medical attention. I was ordered by my doctor to cease physical activity and I did. 

The commitment period ended, I paid for all 6 months and called to canceled. They asked me why I was canceling and explained the situation. I was asked for medical documents by I did not feel comfortable sharing my medical information with a stranger. 

XXXX XXXX not only did not cancel my membership, but they auto renewed. I called my bank to cancel the credit card and XXXX XXXX charged my new credit card, without my consent and without me providing the new credit card information. 

the letter they sent states I had to dispute the charge before XX/XX/XXXX nd. I submitted a certified letter dated XX/XX/2022 disputing this debt, requested proof of debt and they First Credit Services failed to present evidence that I owe the debt. 

I am requesting this dispute to be investigated and corrected by removing the derogatory remark from my credit report and reversing this charge that I am not responsible for.
Consumer complaint received 2022-05-16
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: DISCOVER BANK (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I entered a forbearance plan with Citizen XXXX XXXX due to covid. My forbearance plan ended XX/XX/XXXX and I was told in order to resume making payments I had to fill out a loan modification form so my payments can be moved to the back of my loan. I submitted the application on XX/XX/XXXX. I was verbally told that i was approved and a notary will be contacting me so I can sign the documents needed to finalize the modification. I did not hear from anyone so on XX/XX/XXXX I called regarding my modification. I kept getting the running around and requested to speak to management and I was told I would get a call back and no one ever called me back. I kept calling each day until someone finally advised me I was denied due to a lien against XXXX XXXX. I advised I have no liens against me and it must be a mistake. I escalated this matter to the XXXX  and XXXX XXXX from the chairman 's office reached out to me to advise me more of the specifics of the XXXX. I advised it is mistaken identity as that person is not me. I have submitted numerous documents proving that I have no liens against me or my home provided by my local county clerk 's office back in late XX/XX/XXXX, again XX/XX/XXXX and then once more on XX/XX/XXXX. I still have yet to hear from anyone in regards to a resolution. On XX/XX/XXXX I received a letter that my loan is now in default and they will begin foreclosure process if a payment in full is not received by XX/XX/XXXX in the amount of {$24000.00}. I was told by the chairman 's office on XX/XX/XXXX that this will be investigated and everything will be on hold until the investigation is complete but they are moving forward without resolving this mixed identity issues. It has now come to the point that my anxiety levels and stress levels have increased tremendously that I had to get my medication increased and I am under constant monitoring due to me being XXXX weeks pregnant. Citizens Bank is now refusing to provide me with any information when I call and not responding to calls or emails.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I have already CONTACTED THE BANK AND YOUR AGENCY IN REGARDS TO THIS SAME SITUATION. I HAD TO GO STAY AT XXXX XXXX XX/XX/2022 TILL XX/XX/XXXX, XXXXTHIS BILL WAS PAYED IN FULL XX/XX/2022. I SENT ALL THE INVOICES WITH THE DOUCOUMENTION FROM THE BANK AND XXXX XXXX also THERE IS ALOT OF HACKING GOING ON IN XXXX TEXAS. THESE S NUMBER WHICH I BELIEVE IS A SCANNER IS GOING TO SOME ONE ELSE.
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (ME)

In XX/XX/XXXX, a checked was bounced on me which caused my bank to bounce a check to Citicorp for payment on my credit card. I let them know in advance, i wired twice the amount to Citibank to make sure they were covered. 

Subsequently, the next month they withheld posting payment by seven days. I complained, got a supervisor on the phone and she affirmed that the delayed posting would not happen again. 

This month I sent {$500.00} ahead of schedule on XX/XX/XXXX and as of XX/XX/XXXX it has yet to be posted to the account. Citibank says they are having to confirm the account, even though it is a different account. I have no idea how much they are charging me for extra fees related to the delay time.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (WA)

Hello, On XX/XX/XXXX, I received a charge on my Chime checking account for XXXX from XXXX. I saw this charge and money deducted from my account. I canceled the service, and was promptly initiated a refund from XXXX. The charge was erased from my Chime checking account, but my money was not refunded and my balance did not return to normal. I waited a full ten business days to contact XXXX, and have had three different representatives tell me that the refund was processed to my Chime checking account. I have been chatting with Chime representatives for a week, and have received a variety of different answers. Different representatives have messaged me without even reviewing the case, assuming I'm talking about a charge that I have not even referenced. One representative told me to look at my statement, and if the charge/refund were not on my statement, she would help. Two days later, a different representative messages me and tells me that " this was not an actual refund, so I was not refunded any money and the charge was dropped from statement. '' I have gone back and forth with this representative to express that this isn't the case, my money was taken out and not returned. I am now out {$100.00}, without a solution. I have never filed a formal complaint against a bank and am always ready to admit when I misunderstood something, but I keep close track of my account. I had money deducted, and it was not returned.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Revolut Technologies Inc. (OH)

A payment for {$500.00} was sent from my client to me on XX/XX/2022 from XXXX XXXX XXXX Bank account ending in XXXX to my Revolut Bank account ending in XXXX. The money never arrived in my account. I contacted Revolut Bank, but they were unwilling to provide a solution. They were provided all the pertinent information needed to find the deposit but kept telling me, " the deposit doesn't show in your account '' I know the deposit is not in my account - that is the reason for contacting them. Revolut refuses to research or release the funds.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Received two letters from Bank of America today- who I have never banked with. 

One of them stated that problems with my application for a XXXX XXXX XXXX and I needed to call and verify information. I have never applied for credit card with them. 

The second letter from Bank of America is a bill for {$75.00} on a XXXX XXXX XXXX issued by XXXX  XXXX XXXX. I did not open this account nor do I owe anything to Bank of America. 

I called BOA and after 30-40 min wait, they took my info, assured me that they are fraudulent and said I needed to speak with their fraud dept. They then placed me on hold again - one hour plus and no one would ever answer.
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (NJ)

I received XXXX emails from XXXX persons from Zelle. I sent back a response email to cancel the transaction because I did not authorize it. 
After the second email, I called the phone number in the email XXXX XXXX XXXX and talked with a XXXX @ XXXX pm for XXXX min. Spoke with XXXX, because the call did not go through he first time. 
XXXX told me that someone was trying to send me funds and wanted to know the name of my bank. I told him that I would not give him that information. 
XXXX emails from XXXX XXXX XXXX XXXX email from XXXX XXXX XXXX I can send copies of the emails. 
I do not remember having a zelle account in my name.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX - The Law Office of XXXX XXXX XXXX agreed on a settlement arrangement on XX/XX/XXXX. 

The Balance at the time was {$7400.00} and settled for {$2900.00} in payments. First payment due date was XX/XX/XXXX and the final payment due date was for XX/XX/XXXX. All payments were sent through regular mail and all were cleared/cashed by Wells Fargo XXXX However, the account is still reflecting as past due and delinquent even though it should be reporting as a {$0.00} balance and paid for less than the full balance. 

We've tried to clear this up with Wells Fargo but we had no success in resolving this issue.