davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
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. (GA)

A merchant charged me {$300.00} three times in an unauthorized manner, eventually providing one credit on its own. On or about XX/XX/XXXX of this year, I opened two disputes for the other two amounts. The credit card company, Citi, provided a credit for one of the remaining disputes and mistakenly closed the other one, leaving a disputed amount of {$300.00}. I've called three times to try to get the last dispute handled properly. First, I was told it was too late, and nothing could be done, even though I provided everything requested on a timely basis. I called and another agent found a dispute specialist who told me to submit the documentation again, which I did that day, XX/XX/XXXX. I called two days later to ask if they had the information, and was told that they got my email, but rejected it because everything was not in PDF format - no one told me it needed to be. So, I converted the images to PDF and sent them again. That was on XX/XX/XXXX. I called today to ask if they have the information and was told no. Eventually, the specialist said that he saw my information uploaded to their system - five days later. I asked when I would see a conditional credit and was told I would have a decision about reopening the dispute within 10 business days - still no idea when I will get the credit. Taking five months to correct Citi 's error handling the dispute is completely unacceptable and is compounded by making me submit the same information repeatedly.
Consumer complaint received 2019-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NJ)

My Company received a Domestic wire into our business account onXX/XX/XXXX. I went to the bank that day to do a internal transfer from one CHASE account to another CHASE account, both controlled by our company. 

The Location that I went to was XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX The banker that Originally denied me was " XXXX. '' When asked why, he said that the reason was because even though the money was " available '' to me, before they could transfer the funds, it would need to move past " pending '' status in the account. In order to do that, the money needs to sit overnight. When I said that was unacceptable, he went to get his manager " XXXX '' XXXX told me that it was in fact CHASE POLICY that prevented him from moving the funds and that it was the same across all platforms of the bank. He said the reasoning for it was because a wire can be recalled and canceled within 24 hours. However he did inform me that if I went online, maybe I could transfer the funds. When I asked him how it would be possible for me to move the funds by myself if he couldn't do it, he had no response. 

When I asked if this was discretionary, He told me that the decision was final and it was the banks official policy and not his discretion. 

I have worked for this bank for ten years prior and i am very well aware of the policy. 

Chase, like all banks, have a fairly strict " Available funds '' policy. - Meaning if it's in your available funds, you have access to it. There are certain items that will always count towards " available funds '' ( Cash, Internal transfers and Wire Transfers, to name a few ). 

This manager lied to me and prevented me from conducting my business. He would not even check his own policy and placed artificial barriers ( " settle overnight '' ) to ensure his own safety. He had the audacity to say that it was a policy adopted by the entire bank, rather than his own decision. 

My concern is how many other people he has fed this same line to? How many other people had to wait for their own money because this man decided he was going to create an extra rule to prevent people from getting their own money? He could have lied for years and it took someone who actually knows what the policy is to stop this. 

So the concern is that not only did he cause me an extra hour 's worth of work ( finding another branch and talking to a more informed manager, who not only did the transaction, but also apologized for his ill informed colleague ) but his training on his staff, who will repeat the same falsehoods spouted by their manager.
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019 I was making a purchase at XXXX XXXX. My Chase debit card was denied. The XXXX XXXX cashier stated they were having a nationwide glitch with all there credit card machines. So she instructed me to try it again, so I did and it declined again so there supervisor came and cancelled the order. i saw that the transactions were pening on my bank acount. XXXX XXXX said they would drop off at the end off the day. I checked the next morning and it had posted to my acount as final purchases. I then contacted my bank and filed a claim with them. I followed up after 2 days and they said it was investigated, and denied. the bank said I would have to go through the comsumer to retreive my money. I contacted XXXX the XXXX XXXX XXXX again, he told me he couldnt do anything because they have no record of recieving any funds from my bank card, because the transactions were cancelled. There were no funds recieved. I then disputed the claim at chase, a few days I followed up and I was told it was denied again. My total bill was {$300.00} I was charging {$100.00}. on my home depot card, so it left amount of # 1 {$220.00} thats with {$20.00} over. it declined, so I ran it again with with no $ over. # 2 {$200.00}. I need some help retrieving my Money. Im getting a run around from both Chase Bank, and XXXX XXXX.
Consumer complaint received 2019-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D.B.M.E., INC (CA)

On XXXX XX/XX/2019, XXXX XXXX XXXX attempted to collect a debt for the amount of {$320.00} USD. The original creditor is XXXX XXXX XXXX. Per the collecting agency that a membership agreement was signed online and a charge card was attached to another name. 

I have requested numerous time to provide a proof and validation of proof from both the orignal creditor and debt collecting agency but they have been unable to provide suce information. I was advised to resolve the matter with the club general manager but had to pay the debt in order to alleviate credit problems. 

I do however, have email communication from the fitness club representative/sales rep that they need our signature in order to bind the contract. We did not signed any contract with the fitness club that they can provide. 

The debt collector and the original creditor continue to call despite my request of validating and proving that I owe such debt. A formal letter is submitted signed by me to XXXX XXXX XXXX for the debt validation.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2019-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (MD)

The debt was discharged in chapter XXXX Bankruptcy in 2014. 

I have tried calling collection agency, phone number is not valid, I have called the client that the collection agency is collecting for, they have stated I have no account in their collection or open.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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.

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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FirstPoint Collection Resources (NC)

Recently a collection has appeared on my XXXX report from a group named FIRSTPOINT COLL RESOURCES INC. I have NEVER been contacted by this group nor have they provided me ANY proof of any bill owed to " XXXX XXXX ''. As such this is a 100 % illegal and fraudulent collection. By law, they must contact me and provide proof. As they have violated the FCRA, I feel they should be fined, censured, or both. 
I have contacted XXXX to have this removed. If they do not do what is legally or ethically correct, I will also file a complaint against them as well. 
Companies can not do whatever they want to with no regard for the law. This is what has happened here.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

A fraudulent account was opened in my name on XX/XX/2023 with Bank of America. I called and promptly had the account closed and it happened again on XX/XX/2023. 

I already had freezes in place will all of the credit bureaus and after the first account was fraudulently opened I placed an additional alert. 

Bank of America 's does not have safeguards in place and does not require even an email verification to open a checking account and they stated that it may take " around 30 days '' to fix any safeguards in their system regarding my information. They have no solutions for me to prevent additional accounts from being opened in my name. 

They closed the accounts and gave me reference numbers for the incidents XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

Two payments of last statement balance were made to credit card via phone in error, one on XX/XX/2023, the other on XX/XX/2023. Statement balance was due XX/XX/2023. Online access is very confusing. Have been unable to find these payments. Payment via phone willingly accepted both payments. Recently called and spoke to an outsourced ( apparently ) representative who did absolutely nothing to help me. She could not provide that payments were made. Citibank credit card bombards you with offers for personal loans and to make purchases.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (TX)

Discover Card opened an account in XXXX, and XXXX both applications were submitted fraudulently and Discover never sent a card nor statement for either account. I did attempt to resolve this with Discover as they show these accounts as charged off discharged in bankruptcy. I did not apply for either account, Discover did not verify my information before opening the account. The address doesnt match my address. The phone number doesnt match my number, the email doesnt match my email. I dont know what the username or password was or is, I never received a single card or statement and I never signed any applications. Yet I had to file bankruptcy because of the identity theft. I have called to deal with this several times and they told me they would open a case yet keep telling XXXX the account is valid. Without providing any proof of such account. Who did they send the card to? Who authorized discover to opened the credit cards? It wasnt me. Discover did not verify my information and I did not benefit from either account or service. These are true application fraud even the employer doesnt match mine.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

XXXX XXXX XXXX ( XXXX ) unilaterally up-adjusted the monthly payment on my fixed-rate loan. Then it rejected my auto-payment because it was in the incorrect amount. Then it charged my extensive fees for being late on my payment. 

I don't believe it had the contractual authority to up-adjust the monthly payment on a fixed-rate note. Nor do I believe the late fees are justified. 

I was unable to access my account online or reach anyone telephonically. I therefore believe this is all just a loan-servicing scam to route people to incurring additional fees and charges.
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (NE)

I had a car loan with Santander when I was a single mom to XXXX kids and struggling to provide for them. I was given a car loan with insanely high and predatory interest rates, and ended up defaulting. There is now a class action lawsuit regarding this and part of the suit is that any derogatory remarks in my credit report be removed. It is showing as delinquent with a charge off amount, which should be corrected per the lawsuit
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/NXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATION/XXXX  XXXX XXXX Please delete these accounts immediately.
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

Today alone Comenity Bank has called me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is XXXX. They have some time to get more calls in. 

XX/XX/XXXX they called 7 times. 
XX/XX/XXXX they called 8 times. 
XX/XX/XXXX they called 4 times. 
XX/XX/XXXX they called 8 times.
Consumer complaint received 2019-06-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

We closed on our VA mortgage in XXXX of XXXX. For background purposes, our mortgage servicer did not pay our taxes in XX/XX/XXXX nor did they pay them on XX/XX/XXXX. Prior to our paying of our taxes on XX/XX/XXXX, no agency paid our taxes. On XX/XX/XXXX of XXXX, we received a notice from our town tax collector that taxes were past due and that due date was XX/XX/XXXX. I immediately that same day paid those taxes and they were all the taxes that were due for our home. There were no back taxes paid or due, then or now. Next taxes due on the home will be in XX/XX/XXXX. No taxes are due until then. We submitted the receipts for the taxes that we paid to our mortgage servicing company to get a refund from our escrow account. After much struggle and a lot of disinformation from them, we finally received our money back. However, now the mortgage servicer is stating according to RESP regulations they must collect more escrow money to pay our taxes due in XXXX of XXXX. They state that due to a 3 % tax break being offered by our town they must pay it earlier than the due date. Again taxes are due on XXXX XX/XX/XXXX, not before, and this is the date we choose to pay them on. Although I asked for the RESP regulation they were basing their decision on, their representative could not provide it for me. So we researched it and found a RESP regulation that they may be referring to, 1024.17 ( d ) ( 2 ) ( 1 ) ( A ) to have us pay earlier than the due date. We feel they actually violated this same regulation by not complying with it and also 1024.17 ( c ) ( 2 ) were they did not produce an initial escrow analysis that they followed. Also, in the same regulation part K, we put in writing we do not want taxes paid in advance because we cant afford to pay them early. In fact paying them early increases our mortgage some {$140.00} which will jeopardize our ability to even pay the mortgage at this higher rate. So basically the mortgage servicer is now wanting to collect {$1300.00} in what they claim is escrow deficiency to save us roughly {$52.00}. So either they did not do an initial escrow analysis or they did and now in the second year of the mortgage want to change it completely around so as to do us harm. They also in our opinion are purposely dragging their feet so they can cause an escrow deficiency by paying our taxes early in XXXX of XXXX before we can hopefully get them stopped from doing so. There is no shortage if they pay on the due date of XX/XX/XXXX. So a deficiency is what we want to prevent. I am an XXXX XXXX Veteran and my spouse is on a fixed income. So in doing this it would jeopardizes our ability to pay our mortgage, ruining our excellent credit history and putting us out on the street in the process.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Reported on XX/XX/XXXX Reported on XX/XX/XXXX Reported on XX/XX/XXXX Reported on XX/XX/XXXX Reported on XX/XX/XXXX These are all chapter XXXX and chapter XXXX thats being reported fraudulently on my credit report and I have reached out to them on multiple occasions to delete they deleted the names put a zero for balance and never removed from credit file XXXX. XXXX reference numbers XXXX XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Also this is a fraudulent acct I have contracted them about also
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update inaccurate accounts. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

Please verify these accounts : XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$760.00} XXXX XXXXXXXX Balance : {$1500.00}
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TN)

On XX/XX/18 we purchased a home from XXXX 's in XXXX TN, which was financed through Vanderbilt. The house was delivered but not completed by the Seller / contractors. The mortgage company funded the loan anyway, with the statement " the house is on our Property ''. With no check and balances put in place the released the funds. Still to this day we have work to be done, damages. We are paying the lone since XX/XX/18 faithful with no resolution. I will attached documents in referance to the issues we having.
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

My loans are serviced through Nelnet, and I submitted a payment that should have gone through on XX/XX/23, but it finally processed XX/XX/23, with the interest still being charged on the original loan balance for those four days before the payment ( basically, I'm being charged more on interest than I should ).
Consumer complaint received 2022-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

Midland Mortgage Company purchased my Mortgage from The XXXX XXXX. I am blocked from making my payments. I am also being denied payment arrangements for Hazzard Insurance. Because the property is vacant due to it being severely vandalized from the previous tenants, I am unable to rent it out. Due to the title being clouded by a Fraudulent Mechanics Lein, I CAN NOT sell nor refinance it. I submitted documents twice to Midland Mortgage and I was informed that the Midland Mortgage 's attorneys filed an appearance by my attorney handling a different case but I am at a dead end.
Consumer complaint received 2023-08-10
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (FL)

I filed bankruptcy when I lost my home and I was told my student loans were not included. I am now aware that my student loans should have been considered in my discharged amount of debt.