davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I don't know what the banking regulations are concerning " float '' but that is what this complaint is about. 

My mother-in-law, age XXXX, died on XX/XX/XXXX. As her XXXX XXXX had declined over the last years, she had given me her financial power of attorney. We operated a joint bank account with her bank, Chase, and I was the executor of her will. 

We notified her sources of monthly income ( Social Security, her XXXX pension, Veteran 's Administration ( she was an XXXX XXXX during XXXX XXXX XXXX ) ) of her death and closed automatic monthly payments going out such as phone bills and medical insurance. By early XXXX, XXXX, I felt that all activity had ended. It was time to fulfill her will. 

Chase Bank, however, had an incoming check on hold. When I clicked on the highlighted hold on-line, a message appeared : " It looks like this part of our site isn't working right now. Please try again later. Thanks for your patience. '' I still get that message as of this morning when I click on the hold. 

So I made an appointment for XX/XX/XXXX with a bank representative in preparation for disbursing her funds and closing the account. I made the mistake of bringing a copy of her death certificate rather than the original. XXXX XXXX said the hold was on my mother-in-law 's Social Security check from early XXXX and that when I brought in the original death certificate, she could call Social Security and make sure that the government would not want some of the payment returned. 

I returned to Ms. XXXX on XX/XX/XXXX with the original death certificate. When I asked if she would now call Social Security, she said that was something that the back office would do. When I asked whether it was the bank 's back office or Social Security 's, she was vague in a way that made me uneasy. What if I went down to Social Security and checked with them myself. She said I could do that and gave me a list of what information Chase would need to remove the hold on that check. 

I went to the Social Security office. A man examined my monther-in-law 's account and said that the early XXXX check covered XXXX. Since she died in XXXX, she was absolutely entitled to the full check that was on hold. He filled out a form to that effect, including all the needed information that Chase had listed. I took the letter back to Chase and gave it to Ms. XXXX that afternoon. She said it might take a few days for their back office to clear the check. 

It is now eight days later so I am filing this complaint, both to get that check released so I can disburse my mother-in-law 's funds to her grandchildren and to alert you to a possible practice that might be of concern to you. 

Thank you.
Consumer complaint received 2020-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

They added collection to my credit reports without accurately validating debt. I checked and cant verify their registration in Ohio. BOTH are FDCPA violations! Portfolio Recovery put collection on my credit report without accurately validating the following information as requested at least 5 times as I believe the debt belongs to my ex-husband : I request that Portfolio validate the following information : 1 - Full original account number and personal information associated with the account 2 - Date original account was opened 3 - Any written agreements between myself nd the original creditor stating that the alleged debt 4 - Full account summary and itemized calculation of alleged debt 5 - Date of first delinquency 6 - Dates and times of any phone calls made and to what number in attempt to contact me  concerning the alleged debt before and after it was reported to the CRA 's and so in proving that these calls were made in the times governed by the FDCPA laws.i have told Portfolio numerous times that I needed proof the debt is actually mine and they have only validated that they purchased an account.
Consumer complaint received 2020-02-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: 2288984 Ontario Inc. (TX)

I guess money key sold my information to I dont know who and theyve been calling my sisters and Job pretending to be a government official of XXXX and that they would take legal action I will attach a transcript of what they called messaging my sisters. Same voicemail was left to my employer.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Case # XXXX I was made aware via my credit report that there's a bankruptcy in the public records section of my credit report. This bankruptcy does not belong to me and I did not permit anyone to file a bankruptcy using my personal information. I contacted the bankruptcy courts to dispute the public record and I was advised that they do not report to the credit bureaus. I received a letter from the courts and I will be attaching it.
Consumer complaint received 2021-02-17
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: Experian Information Solutions Inc. (TX)

Hello I have continuously tried to express to the credit bureaus and XXXX XXXX that the account credit card account they have concerning me is not mine and is fraudulent. I am a victim of identity theft and did not open a credit card account with XXXX XXXX XXXX.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC (OH)

I have been trying to obtain an intrest rate refinance on my VA mortgage loan, in the process a state tax lien was discovered that I was unaware of. I contacted attorney generals office who stated debt was owned by Reliant collection agency. I reached out to reliant each time I make a payment amount owed to remove lien is different. I have tried to no avail to get debt owed to remove tax lien in writing but I am sent to contact Attorney General who then sends me to Reliant and I am back on hamster wheel. 
My finances have been impacted by COVID-19 my household is down to one income and refinance would greatly help but I am at a loss on how to resolve. 
I need assistance to obtain in writing debt owed amount to release liens as well as validity of debt as it changes each time I reach out to Reliant Collection Agency.
Consumer complaint received 2019-07-12
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. (NY)

In XX/XX/2018 I discovered a XXXX XXXX XXXX  Visa XXXX ( XXXX ) credit card on my credit report. I called the bank and they said I opened this account some two years earlier. I reviewed my records and I believe that this account is not mine and I contacted XXXX and told them this account was not mine and that they should close it asap. 

The account has a XXXX  balance and they refuse to remove this account from my credit report.
Consumer complaint received 2020-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

On XX/XX/XXXX I was notified by my current mortgage lender, XXXX XXXX XXXX, that my mortgage was to be sold to BSI Financial Services effective XX/XX/XXXX. 
On XX/XX/XXXX I received a copy of the billing notice from my insurer for my homeowners policy with the total amount due, due date of XX/XX/XXXX and notification that the bill was sent to : BSI Financial Services Inc, XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
On XX/XX/XXXX I received a notice from my home insurer, XXXX XXXX XXXX XXXX XXXX XXXX., stating that due to non-payment of my homeowners policy my policy will expire on XX/XX/XXXX. 
I promptly contacted BSI Services customer support line ( XXXX ) and was told they never received a bill and that it was my job to notify my insurance company that my mortgage had been sold with the new contact information. The customer service rep continued by saying that this was stated in the notification letter I received from XXXX on XX/XX/XXXX. This is not factual and I shared that information with the BSI Financial representative. She ignored my rebuttal and provided me with the number for the BSI Insurance division and said I need to give that info to my insurer. 
I contacted my insurer on XX/XX/XXXX and gave them the info to contact BSI Insurance Division. 
On XX/XX/XXXX I received a call from my insurer stating that BSI Insurance Division was unable to find my account. I proceed to call BSI Insurance ( XXXX ) and was also told that they had no record of my account and that I needed to speak with BSI Customer Service! 
I immediately contacted BSI Customer Service who found my account and said that it might take 30-60 days for their Insurance Division to receive account information from a sale. They suggested sending the original bill in the mail to BSI ( which was already completed on XX/XX/XXXX ). 
Im at a total loss as to how this company is allowed to stay in business. They had {$2000.00} in my mortgage escrow as of XX/XX/XXXX, {$680.00} more than enough to pay for my homeowners insurance that they are responsible for paying. 
I implore you to hold this company accountable for their sloppy, inaccurate and inefficient processes.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NY)

am having trouble trying to get verified with my Citi Bank Credit Card everytime i call customer service they are giving me a a hard time trying to verify the phone number register on my account and Citi Bank Place a restriction on my Credit Card due because of this issue and i cant use my account or use my credit card with citi bank and i paid {$200.00} Dollars to open this secured card with citi bank and i dont understand why citi bank is giving me a hard time and no letting me use my card and my account for verification purposes and i really should not be having this problem please help me with this problem
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I am writing to formally complain about the numerous errors that have occurred in processing of my requested {$1000.00} payment that should have gone directly into my loans escrow account to offset a portion of my escrow shortage. 

On Thursday XX/XX/2020 I contacted Citizens One Customer Service and directed the customer service representative to process a {$1000.00} payment directly to my escrow account to paydown a negative escrow balance according to my recent escrow analysis. I was informed that this transaction had to be done by a customer representative and could not be done on-line by myself. I normally make all of my mortgage payment online. 

The Customer Service Rep put me on hold several times while she conferred with her Supervisor on how to process the transaction. I was assured no less than 4 times that my {$1000.00} payment would be applied to my escrow account. 

The next day a withdrawal of {$1500.00} was posted against my XXXX Checking Account causing an overdraft and a subsequent {$37.00} over-draft fee on my account. The payment was posted in error as a regular mortgage payment, which was not due until XX/XX/2020. The majority of the payment was applied to interest. I went to my bank that day, where I again contacted Citizens One Home Loans and spoke to Customer Service Rep XXXX, who apologized for the error, instructed me to send a fax verifying the charge on my bank account to fax number:XXXX, and that she would have the error corrected by reversing the unauthorized payment. The error was not corrected. 

I have made countless follow up calls ( no less than 6 ) and still have not resolves the issue. Citizens One Home Loans then instructed me that they would move money from my prior months ( XXXX ) payment to apply to my escrow, the use the {$1500.00} payment made in error to cover the prior months ( XXXX ) payment and use any overpayment towards principal?!!!? 

I should not have to negotiate where to direct moneys already paid in my account towards where the bank wants to place them. 

To resolve this matter : I am requesting that the {$1500.00} unauthorized withdrawal from my XXXX Checking Account be reversed and that the {$37.00} overdraft charge on my XXXX Checking account be reimbursed. 

I am requesting that my original transaction of the {$1000.00} payment directly into my loans escrow account be processes. Any over-payment resulting from these transactions should be posted into my escrow account, not principal or interest. I also request a re-evaluation of my escrow account for 2020 be conducted after XX/XX/2020. 

Cordially, XXXX XXXX XXXX
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

My credit card company wants to text me a security code, but it it to an old phone number that I no longer have, and have not had for a few months. The credit card company said they got the number from the credit reporting companies. I was able to talk to XXXX  and they deny that they have any phone numbers on file for me. I was unable to get to a live person at Experian or XXXX.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

I was a victim of fraud/identity theft. I discovered that someone open a checking & credit card account with XXXX. I contacted them on several occasions with they didnt request my police report or any information. They stated they will put the account in a dispute process. A week later they are saying the information was verified. I spoke with them on today XX/XX/2020 & said the account and information is fraud and they are investigating and will notify me within 30 Days. 

I contact Early Warning to have this information removed & it came back verified. I sent in another dispute claim and they did not submit it to XXXX. I was informed that it was the same information as last time. 

No one is doing their job and you cant speak to anyone with any knowledge or sense.
Consumer complaint received 2020-02-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (CA)

XXXX XXXX  sold my loan to XXXX XXXX after I paid off the account and caused major issues from adding two loans to my credit reports so I disputed the errors and received a letter from a XXXX attached here. Now both of the mortgage companies submitted to IRS tax 1098 forms showing $ XXXX. I have left several messages for XXXX at the number on the letter however the buy never returns calls. It's been over a month ago.Additionally, Loancare lied to me saying they mailed my original escrow refund, which never arrived, so I reported the check lost and Loancare stopped payment on the check, then mailed me the original stopped payment check in XXXX when this check was alleged mailed as the law states escrow refunds must be refunded. Loancare continues to lie to me. The right hand does not know what the left hand is doing.
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

my checking account was charged a {$34.00} fee for insufficient funds. I requested a refund since the first time they reverse it, it was due to their monthly maintenance fee of {$12.00} per month. This time the charged was due to a payment to my payment on my credit card. I called them several times and was waited for more than 20 minutes each time to be connected to a supervisor BUT WAS OBVIOUSLY DROPPED FROM THE CALL EACH TIME. I COULD HEAR THE CUSTOMER SERVICE ACTUALLY DROPPING THE CALL!
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX  XXXX # XXXX is reporting a charge off with a balance to my credit that should not be on there. I have already settled this account and they are still reporting a balance and will not update. This is a violation and I want it updated or removed.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX  XXXX # XXXX is reporting a charge off with a balance to my credit that should not be on there. I have already settled this account and they are still reporting a balance and will not update. This is a violation and I want it updated or removed.
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST CALIFORNIA MORTGAGE CO., INC. (WA)

I submitted a refinance application with FirstCal bank in XXXX. I paid for the home inspection, submitted my paper work ( tax forms, XXXX, current loan statement etc ). I became suspicious of the process when they asked me for information that I had previously provided them multiple times but I really did n't know why they would try to delay the process. My wife and I have impeccable credit ( each & gt ; 760 ) and great debt to income ratio. On XX/XX/XXXX I was informed by the XXXX, the sales manager that the interest rate that I was offered ( 3.75 % ) was not going to be honored by the company. I asked him if my understanding of the loan agreement is that rate is locked in, if the rates went down I would still be locked in at 3.75 %, if the rates went up that I would get the 3.75 %. He affirmed that understanding is correct. However he said they were no longer willing to honor it. I contacted the bank 's President and CEO who says he will look into it. I am contacted by various people within the bank 's management who all agree that they will not honor the 3.75 %.
Consumer complaint received 2020-02-21
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: Sequium Asset Solutions, LLC (CA)

Got a XXXX Credit Alert that I had an account added to collections. Upon looking at my report, I noted that I had an account in collections with Sequium Asset Solutions. I called them immediately and spoke with their representative. They were unable to look up any account using my phone number, we tried my SSN and tracked down an account to a XXXX XXXX service address in North Carolina. I have never lived there, I have lived in California for the last 30 years. XXXX then made me call XXXX who can not track down any account in my name or by using my SSN. XXXX then directed me back to the collection agency, Sequium Asset Solutions, and they have not been able to help me any further. I am being sent back and forth between these two companies for an error I did not make and they have offered no solution.
Consumer complaint received 2020-02-21
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. (DE)

Equifax Continues to report an alleged account that should have been removed. XXXX, has responded to my sworn testimony ( Affidavit ) and placed the responsibility on the credit bureaus.XXXX   as well as XXXX  have removed this item from my credit report. Equifax, in turn has updated this alleged account to show a XXXX  balance instead of removing it from my profile.They need to show how this alleged account can not be valid but remain on my credit report to do harm to my profile.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

I contacted Chase regarding 2 credit cards that I had past due. in order to fix the issue and bring them current, XXXX XXXX. I spoke with a representative who told me that if I completed 3 consecutive payments and set them up via auto pay that my account would be current and in good standing. I set up the payments that he told me in the manner and amount. 1st card - {$140.00} for the month of XXXX, XXXX, and XXXX. XXXX card - {$74.00} for the month of XXXX, XXXX, and XXXX. All payments have cleared and posted to my credit cards. When attempting to pay my XXXX payments for both cards online, they both show delinquent. I then call Chase to try and resolve the issue. Not only am I transferred multiple times but then I am told that one of the cards is now closed and there is nothing that can be done. I am also told that previous agent did not set up the XXXX. This is why it reset was not processed. Even though the previous agent didn't complete the process and handle it correctly there is still nothing that can be done. I proceed to set up the arrangements again. The new reset program is card # 1 XXXX, XXXX, XXXX each for {$160.00}, Card # 2 is XXXX, XXXX, and XXXX each for {$93.00}.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One # XXXX is reporting a charge off with a balance to my credit that should not be on there. I have already settled this account and they are still reporting a balance and will not update. This is a violation and I want it updated or removed.