davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MA)

I closed my account with Citi card in 2017 by telephone. The account was not closed and the only charge after the date when I closed the account was an annual fee ( {$60.00} ) from XXXX. I was then charged {$210.00} in late fees and {$11.00} in interest. I did not receive any statements from the bank after I closed the account. It was sent to a debt collector and I could not receive any help with statements or resolving the problem. I paid the debt collector and reported the program to the Office of the President at Citibank. They denied me repayment of these fees because they could not find proof of the account being closed. ( It was closed over the telephone. ) I explained that I had no late payments and no other charges which substantiated my claim that I had closed the account and was not aware of the late charges accruing until I received notice from the debt collector. I understand this is becoming a new area of consumer fraud perpetrated by the banks. I believe that Citi should reimburse me for fees incurred after the account was closed.
Consumer complaint received 2020-05-08
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. (UT)

Mixed file. Another individual 's name, social security number, and address are mingled with mine on my Experian Credit Report. I discovered this because of credit event posted by a collection agency in the amount of {$460.00} on XX/XX/2020.
Consumer complaint received 2016-04-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

US Bank did not deposit my payroll into my account. I have not made any changes to account or payroll. I was told by Bank that because they reclassified my account to a checking account from a savings account that they closed that they did not accept payroll for the first time in 10 months 2 times a month and that they would not be able to deposit my funds for XXXX days.
Consumer complaint received 2017-04-01
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CapitalOne did not pay out for the following promotion even after I completed the requirement : Open a new Capital One 360 Money Market account with the promotional code XXXX and receive a bonus of {$200.00} when you complete the following requirements : Deposit at least {$10000.00} no later than XX/XX/2017 XXXX
Consumer complaint received 2018-03-29
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: Avant Credit Corporation (NC)

I paid on XX/XX/2018 {$25.00} for my XX/XX/2018 statement. XXXX XX/XX/2018 company charged me a late fee of {$25.00} for my XXXX bill. I called and emailed them immediately asking why I was charged a late fee when I paid on time. I was told the late fee was going to be removed. So on XX/XX/2018 I went ahead and paid {$25.00} for my XXXX bill then days later my due amount was changed from XXXX to XXXX all because when my XX/XX/2018 bill came out they still hadn't adjusted the account to remove the late fee of {$25.00}. I emailed and called asking about the adjustment to my account to correct the due amount because it was only caused by them in error of placing the XXXX. I still kept emailing and calling. I then checked my account AGAIN on Sunday XX/XX/2018 and it still showed XXXX due. I was forced to pay the XXXX today XX/XX/2018 there is a new LATE FEE being applied to my account of {$35.00} now when my XX/XX/2018 bill comes out the amount is going to be large again instead of the normal {$25.00} a month that I should be paying. This company needs to correct their account system that places late fees when they shouldn't be applied. No other company charges you late fees for paying the same day your bill comes out.
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MS)

I received a letter dated XX/XX/2018 stating the " Reinstatement Fee of {$5400.00} '' was required to bring our mortgage back into 'good standing ' ; and, to avoid foreclosure and the subsequent sale of our home ( home sale is scheduled for XX/XX/2018 ). 

On XX/XX/2018, I submitted a wire transfer of the required fundsdirectly to Chase, to the attention of " XXXX XXXX '', pursuant to their wire transfer instructions received on XX/XX/2018. 

The legal firm of XXXX, XXXX, XXXX, XXXX, XXXX was/has been retained by JPMorgan Chase Bank, National Association, to handle the sale of our home, on XX/XX/2018. After speaking to one of the legal firm 's legal representatives, I was informed " sending the required funds ( to stop the foreclosure and sale of our home ), by wire transfer, would be the fastest and safest way to reinstate our mortgage ''. 

To date ( XX/XX/2018, XXXX XXXX. EST ), the funds have not been applied to our account. It has now been 73+ hours ( 'business days ' not including Saturday and Sunday ), since the funds were transferred directly into Chase 's account # XXXX, Routing # XXXX. 

MY QUESTION IS : " HOW LONG DOES CHASE HAVE TO LEGALLY APPLY THESE FUNDS TO AN/OUR ACCOUNT? '' 73 Business Hours should be adequate, to apply the money directly to an account, sitting in Chase 's Reinstatement Processing Department. Further, why can NO ONE at Chase tell me WHEN these funds WILL BE APPLIED TO OUR ACCOUNT ( TO CANCEL THE SCHEDULED SALE OF OUR HOME )? 

There is a difference between " How long it takes Chase/a bank to apply funds to a home in foreclosure '' and " How long Chase/a bank is legally allowed to take to apply funds to a home in foreclosure ''. WHAT DOES BANKING LAW STATE ON THIS ISSUE?
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

A stop payment was requested against XXXX XXXX with my banking institution/XXXX  XXXX on XX/XX/XXXX. While initiating the request an " estimated amount '' of the transaction was to be provided, with the understanding the amount wasn't necessary to stop the payment as long as the merchant information was correct. It was presented in a manner to seem as though it was a filler amount for the banking customer service side. Stop payments have a fee of {$31.00} per bank account. As this merchant and I were in dispute that may go to litigation, I felt this would be the correct course of action, barring closing bank accounts. What followed, the merchant was able to post a transaction to my account on XX/XX/XXXX. The stop payment was not effective whatsoever. After speaking with Wells Fargo today, XX/XX/XXXX, they then stated that the amount was I gave them as an estimate was not accurate, so therefore they could not stop the payment based upon the merchant information. After speaking with XXXX, XXXX and then finally XXXX in the customer service department, a " courtesy '' reimbursement for the stop payment fee was issued after they originally stated they could squeak by with reimbursing {$7.00}. As I've been a Wells Fargo customer since XX/XX/XXXX, I've reached the limit on my customer loyalty after experiencing horrible customer service coupled with scam fees.
Consumer complaint received 2018-07-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO)

Rushmore purchased loan in middle of short sale. Lost all documentation over and over during several months. Point of contact for them ( XXXX ) is never available, and has not once returned a call. We lost 3 potential buyers because they can't respond or keep documents in order. Now we get a notice to foreclose, but they can't explain why. We have proof of submitting the same documents up to 8 times, but still unavailable by them. They repeatedly yell and cut you off when you are trying to talk to them.
Consumer complaint received 2018-07-10
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. (FL)

TODAYS DATE:XX/XX/2018 XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX   system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are several account currently showing on my credit report which I have asked the credit bureau to verify as accurate the credit bureau has not provided and documents to me confirming the items were in fact verfied and accurate so Im requesting that the items be removed ASAP until the creditors can in fact confirm the accounts are valid which they are not Im also requesting several inquiries be removed as they were unauthorized also there are 2 phone numbers and a name appearing on my file which DO NOT belong to me Transunion has failed to remove these items after I requested it on XX/XX/XXXX and XX/XX/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 Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OK)

I have been unable to view my current credit report since XX/XX/year> and Ive applied for credit and the banks said theirs an error pulling the reports. Ive called experian, mailed them letters and requests disputed online and they say its not their fault and i need to contact the lenders. My other 2 reports are fine with XXXX and transaction. I dont understand the problem I have called 36 times in the last 2 months and every time I either get hung up on or they say they fixed it give it 24 hours to update. Still doesnt work.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (HI)

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining items on my report which is unauthorized and resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureau is required to remove any items listed on an identity theft report. 
XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2021-03-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (MO)

Last year I bought a truck and after the very first payment was made Some people called me and told me that they were some kind of mediator for a company and asking me to make a statement that I owe on a truck that was defaulted on ten years ago they wouldn't provide anything showing who they are and I ended up giving them {$1500.00} because they said they would take that as settlement even though they still wouldn't provide documentation on who they were and gave me a receipt in my email saying paid in full I lost the receipt I paid with my credit card and I have proof that I paid, I bought a vehicle last month and paid the first payment and they called yesterday saying that I stopped making payments and wanted the paid in full receipt that I no longer have from a year ago I explained I spoke to someone at their office and that was the settlement price that they told me paying this amount would take care of the problem they still wont provide documentation on who they are so far all I know I could be getting scammed on a debit that was owed ten years ago they are threatening to call my boss and they only gave me u til XXXX XXXX. yesterday to make a decision
Consumer complaint received 2020-09-12
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. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2017-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CO)

My bank in XXXX sent me a large wire on XX/XX/XXXX, which usually takes 2 business days to be received by my credit union here in XXXX. The transfer apparently went through Chase 's centralbank in XXXX XXXX. We did n't know this until a week after the money was sent and I still had n't received it. We had to run 2 traces on the money until we finally received some responses. Chase in XXXX  was holding the money. Why, we were n't told. We had to run an investigation from my bank to find out Chase was holding the money, because supposedly it was sent with the wrong code and was n't convertible. Mind you, I have received wires from my parents before and there were never any issues. After having received no communication at all from Chase, the money supposedly got sent back this week on XX/XX/XXXX. The bank in XXXX still has n't received the money back, nor any kind of notification or communication from Chase. Currently the money is missing and the XXXX sender bank started another trace. This is a huge inconvenience and is costing me and my parents a large amount of money in interest ( the money was supposed to pay off my house ) and I may lose my house over this. Not even mentioning the aggravation and worry over where such a large sum could have gone. This whole process has been a mess and there has been little to no communication from Chase
Consumer complaint received 2022-10-07
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. (HI)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. This is unquestionably a billing issue, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX : {$890000.00}
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I do not owe I.C. System monies, nor have I ever had an account with this company. I have sent dispute letters on XX/XX/2021 and XX/XX/2021. As of today, I have not received any documents referencing I have an account with them.
Consumer complaint received 2024-01-17
Product: Credit reporting 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 recently sent a complaint to you about XXXX as well I made a complaint on XXXX  about Experian. Both responded that they could not move forward processing my notarized affidavits due to no identification I feel that was a stall tactic and I am now asking for you to help facilitate and oversee this process. In Commercial Law an unrebutted affidavit stands as judgment. I have attached all documents and resending them to XXXX as well I will make a complaint on Experian and XXXX. I have prepared my legal team the XXXX XXXX XXXX, XXXX if the agencies continue their willful non-compliance.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My mortgage was sold to Shellpoint XX/XX/2020 and I have had nothing but problems. Customer service is terrible and the hold wait is 45 minutes and then you are constantly transferred to people who are not able to help with the problem. Only my taxes were included in my escrow account. I have always paid my homeownwers insurance directly to the insurance company which is XXXX XXXX through automatic withdrawal from my checking account. Shellpoint notified me that they did not have my current insurance information. I emailed the declarations page 3 times ecause they kept saying they did not receive it! They finally comfirmed they receivd it XX/XX/2020. The Declaration page included that my payments were deducted from my checking account. On XX/XX/2020, I wrote Shellpoint requesting cancellation of my escrow account and being responsible for paying my own property taxes and homeowners insurance due to the online and mail statement would always have conflicting information!. My original loan contract with XXXX XXXX did not specify that my homeowners insurance had to be included in my escrow and it was never included in the 14 years that I was with them. To my understanding the contract can not be changed by the new lender. I never heard back from Shellpoint regarding this request. On my XX/XX/2020 statement from Shellpoint, I noticed my escrow payment went from {$130.00} to {$500.00}! Increasing my mortgage from {$660.00} to {$1000.00} an increase of {$360.00}! Upon investigatation it was noted that after I asked to cancel my escrow, Shellpoint paid the full premium of my homeowners insurance putting my escrow in default and causing my mortgage to increase. This transaction has not appeared on any statements. I was finally able to speak with someone at Shellpoint on XXXX XXXX and the rep confirmed that there is no response noted to my request from XXXX and that she would file an complaint. I was told that Shellpoint paid the full amount due to my not sending in the full payment of the increased mortgage. I am not aware of that policy since Shellpoint did NOT notify me of this! I also noted a charge for {$13.00} being added to my mortgage. No one was able to inform me of the reason for that charge. After written requsets and phone calls I was told that fee was for making sure the home was being occupied! When asked how Shellpoint would confirm that and I was told every month someone would drive by the property to make sure it looked occupied! I am currently unemployed and can not afford the additional {$360.00} increase in my mortgage. I continued to make the regular payments of {$660.00} but Shellpoint has not been crediting it to my mortgage but has been holdng it in a " separate '' account. This has put my loan in default and putting me at risk for foreclosure! Doing a forbearance with Shellpoint is not an option since I can afford to pay my original mortgage amount. I do not trust them and they have had over 896 complaints in the last 2 years!
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of the TransUnion credit inquiry issue. Inquiries were deleted from my credit report and then re-inserted. TransUnion did not follow the procedure specified in section 611 of the Fair Credit Reporting Act, and notified me 5 days after re-inserting the inquiries. I called customer service, although they wouldn't take care of it.

I am requesting removal of the following credit inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX   ( XXXX  ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX