davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

In XX/XX/2024, I made a payment for the full balance of {$140.00} ( check # XXXX, dated XX/XX/2024 ) to Citi Bank to cover the charges on my Citi Credit Card. Despite receiving my full payment for XX/XX/2024, Citi Bank decided to charge an additional {$16.00} to a checking account that I did not authorize for auto-pay and for which they did not provide me any information. 

Since the account used for the auto-pay was unauthorized by me and unknown, the charges were declined. As a result, Citi Bank charged my credit card {$30.00} for a return fee. When I called Citi Bank to explain the situation, they did not have any answers. I asked them to show me my authorization for the auto-pay, but they did not have any document. I also asked them to provide the bank account information used, but they had nothing. 

Despite all this, Citi Bank insisted that I pay the {$30.00} return check fee. Fearing the potential impact on my credit report, I paid the fee and subsequently closed my account. 

I am requesting a refund of the {$30.00} return fee that Citi Bank unfairly and illegally charged me. I paid the fee out of fear of receiving a negative impact on my credit profile, which I believe was unjustified given the circumstances. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Per my complaint # XXXX, EXPERIAN INFORMATION SOLUTIONS , INC. , claims to have conducted an investigation that leads them to believe that the information for XXXX XXXX XXXX Account beginning with : XXXX is reporting accurately. 

Also, my name has not been corrected as I have never gone by XXXX XXXX XXXX ever in my life. I have again attached my license as proof that is not my name. 

It has also been brought to my attention that EXPERIAN INFORMATION SOLUTIONS , INC. is furnishing another late payment for XXXX XXXX Account beginning XXXX. The account has been in dispute since XX/XX/2021 with XXXX XXXX XXXX 's legal team. In addition, 15 USC 1666b states that the consumer can not be late for any reason when a credit card account is under an open end credit plan in which this account meets the requirements.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MI)

Hello, I scheduled a flight for my fiance through Chase Visa Travel for XX/XX/2023. He was supposed to get his XXXX on time to make the flight, but the US government had issues distributing XXXX XXXX on time as they were very backlogged. Our wedding was scheduled for XX/XX/2023. He had 2 weeks to get here and a lot of legal prep work to do before we could get married. I called Chase Travel to cancel the flight and to reschedule for a different day, but XXXX did not have any reasonable flights during that time frame. I asked for a refund but they would not refund my money as he did not " qualify '' to bypass the cancellation. I did let them know that it was not his fault that he had to cancel the flight, it was an issue with the US government issue. They gave me a voucher for my husband to use in his name only with that same airline sometime in the next year. In order for him to get here before the wedding I had to book another flight with a different airline. 

We no longer need a voucher, and would just like our money back. I've called twice on this and unfortunately they are not budging. Any help or assistance that you could give would be greatly appreciated! Thank you so much! 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

This is my 2nd Consumer Protection Bureau complaint against Chase for the same matter. I opened a Chase Savings account and funded the account with XXXX for 90 days. I was due {$600.00} XX/XX/XXXX and it is now XX/XX/XXXX without funding. One representative told me I'd be funded XX/XX/XXXX another XX/XX/XXXX and still nothing. Different answers, promises and never happens. Horrible banking experience as usual with Chase
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

I got my card, physically stolen from me I had {$1200.00} in my bank account and the theft went over that {$1200.00} by {$600.00} and when I disputed it they kept denying it even though I had proof it wasnt me but since I have my own house and I have automatic payments, they didnt approve the dispute, because there is still authorized activity, but that same authorized activity was throughout the account since XX/XX/2020 I didnt realize that my account was being charged until XX/XX/XXXX and I immediately went into the branch a PNC in XXXX XXXX and got a new card a new pen and disputed it. They gave me my money back proved it, and then took it away again saying that a got denied. Now they want me to pay money that I dont have. I dont have the funds for it because I own my own home and Im XXXX XXXX XXXX and theres purchases that I could not buy from like vape shops only XXXX and you have to be XXXX and I have given them proof Ive XXXX to speak with them come in anytime even equal it out to XXXX move on. But at this point, I want my money back.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX / XXXX / {$1700.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2015-04-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My debit card was stolen once I gave my card I did n't get it back by someone I know I called my bank account told them to freeze my account they did n't. This person wrote my name on a check and everything and did multiple transactions. The person disappeared now I 'm left in debt of {$890.00} dollars and change.
Consumer complaint received 2022-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

Since XX/XX/XXXX my mortgage has increased by {$2400.00} monthly from {$3500.00} to {$5900.00}. Upon inquiry, I was informed that the increase was due to a and escrow shortage in the amount of {$19000.00}. I requested an investigation and it was found that a check in that amount was sent out to me on XX/XX/XXXX of XXXX XXXX and was cashed in XX/XX/XXXX of XXXX. This check disbursement is the express reason for my escrow account being short, ( shortage amount {$19000.00} ) and as a result, my payment has significantly increased to close the {$6000.00} a month. 
I am unable to pay that amount, naturally and am requesting an escrow analysis to determine why my account is constantly showing either an overage or a shortage in order to stop this problem from arising again. This is the second check that was sent to me, the first being in the amount of {$12000.00} in XXXX. At the time, I called and inquired about the funds and was told it was an overage and that it belonged to me. 
I have been ready to make my usual mortgage payment of {$3500.00} and requested permission to make payment until this shortage issue could be solved but was told by customer service reps that they could not take partial payments. I was advised to request a shortage spread over thirty-six ( 36 ) months so that I would be able to afford the payments and sent a written request in XXXX but have yet to receive a response. I have called numerous times and spent many hours on the phone trying to rectify this, as documented in call logs and your customer representatives notes on my account. Meanwhile my account is three ( 3 ) months overdrawn and I received a foreclosure letter this past weekend. As you can imagine, this is very frustrating and worrisome, as I have been attempting to make contact and receive a resolution to this problem for close to 3 months. As a result, my credit has been negatively affected and I am being charged late fees on a monthly basis.

I am requesting an escrow analysis to determine the cause of these discrepancies/ disbursement, and seek a reasonable resolution to this problem so that I may return to good standing on my mortgage. Up until this time, I have not missed or been late on my mortgage payments for the three ( 3 ) years that I own my home. I do not wish to lose my home, especially when this is a problem not of my own creation. When I received guidance and payment from my mortgage company, not once but twice, I would never have assumed this was done in error. I called and inquired before and was assured it was an overage. I don't understand why I am being penalized for the internal error now. Please research this issue with my account and advise me on all of my options. I have also been interested in refinancing and am concerned this issue may upset my chances and ability to do so.
Consumer complaint received 2015-08-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Nathan & Nathan, P.C. (AL)

They took an illegal action. After agreeing to pay a monthly payment of {$100.00} per month. They withdraw {$500.00} during the second month even though I paid on time. is this a violation to the fair debt collection act or the Electronic Fund Transferred Act? XXXX however my bank did refund the charges. I am now afraid to deal with this law firm.
Consumer complaint received 2016-09-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA ()

I took out a student loan with XXXX while studying in XXXX. The debt was sold to American Education Services, which is supposedly run by the government of Pennsylvania. The company contacts me incessantly about paying my student loans, which I do pay in the full amount every month. They are very frustrating because their website does not work and they do not send out paper statements about the details of the loan. They only send an email reminding me to pay, but no other details. Since I can not use their website to pay I have to pay through my bank. Recently they have increased my monthly payment but I have no idea by how much. You should see the complaints about this company, just look at the website XXXX and look for the company. I would like to pay off the loan in full and transfer the debt to XXXX where I now live, but I am afraid that I wo n't even be able to do so since there is no paper trail.
Consumer complaint received 2015-07-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX sent me a notice in the mail trying to collect on a supposed debt. They said the original creditor was Bank of America, and that I owed from a credit card back in XXXX. I have never had a Bank of America card!
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TrueAccord Corp. (KS)

I have a right to better myself and my XXXX XXXX  also. I have been disputing this same company for years! They call themselfs XXXX XXXX XXXX. 

I have submitted Disputes with XXXX, XXXX, and XXXX credit reporting AGENCYS. They keep popping back up after a couple months. I don't know these people. In my disputes all I want is account numbers and dates! 

Now XXXX XXXX XXXX THREATENED ME IN MY EMAIL ACCOUNT! She told me to hit unsubscribe but that is not going to stop here from getting a full amount due back in 2015. I can't afford an attorney on my Social Security checks! She was ranting on about suing me in courts. I have snap shots of these threats.
Consumer complaint received 2017-02-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

In trying to turn in my XXXX lease to XXXX different XXXX dealers I was rejected by all of the because Honda Financial incorrectly advised the dealers that my lease was 42 months and was n't at the end so to not take the vehicle back. Honda Financial also returned checks for payments and reported them past due. This negligence is still haunting me many years later through incorrect and updated credit reporting. They never responded to the letter attached, fixed their errors, or apologized to me. I have also filed disputes 4 times in the last year with the credit bureaus and they continue to ignore the issue and dont reply.
Consumer complaint received 2015-08-12
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Remex, Inc. (NY)

I never get bill from hospital after my XXXX in XXXX, because they record my address incorrectly. 
Then in XXXX I started to receive calls from Remex Collection. 
They were very abusive, rude and called me every other day. 
I asked them to provide me with the copy of the bill but they refused it. 
I called to the hospital to get bill and finally got it. 
So I called to Remex to arrange a payment plan, but they disagreed and were really rude again.
Consumer complaint received 2022-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

Ive been trying to resolve a fraud dispute with capital one which is my credit card company. Ive been a customer with them for years, maybe seven years, and after calling them and filing a report which was disputing {$7000.00} in charges as unauthorized and fraudulent, they told me that I needed to just prove account ownership for the XXXX accounts which reversed XXXX payments were made from. there was XXXX accounts that had payments made from them, and ive never bounced a payment in my life. Not only was my card information compromised, my physical phone and thus login information was also compromised. The fraudster was attempting to pay off the bill so he could continue the use of my card. upon ATTEMPTING to go through the dispute process ; capital One refused to resolve the charges and consistently requested alterations of ownership verification, and each time I provided them with the requested documents, they would respond with a different or additional document is required. They refused to remove the charges during the pending investigation, and have dropped my credit score over 300 points. To verify account ownership of the bank accounts, which I was willing to do, I had to do initally call XXXX XXXX and XXXX and have them verbally confirm ownership. XXXX XXXX was first and the ownership was successfully verified. However when it came to my XXXX account, because I closed the account as a result of the fraudulent charges as well as ongoing check fraud, when I called XXXX and had them talk with the branch manager, they said that that was no longer enough to verify ownership after they hung up. Now they wanted me to give them a account statement which shows my name and the account number, so thats what I did. after showing them the account statements with the account number, they then told me that that was no longer enough now I need a voided check, along with the check should be another statement showing my account number and name. after providing both of those things, they told me that what they actually needed was a written statement from the branch manager verifying my account ownership. after getting that for them they now stated they want a BLANK void check, and an account statement, And a letter from the branch manager. all these things which Ive just provided to them yesterday, and they told me that it wasnt valid because it was a picture of a void check rather than an original voided check. Im not sure how to get an original voided check of an account thats been closed. I dont have a checkbook. They are very clearly misinforming me and refusing to honor the dispute resolution process in order to charge off XXXX account and hit my credit. Ive never missed a payment up until this day, they just continue to give me the runaround.
Consumer complaint received 2018-11-29
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. (FL)

Experian had been informed by XXXX XXXX XXXX and myself that the two medical accounts was to be deleted from my credit report along with XXXX. They continue to report to wrong information along with inquiries that was disputed.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

After reviewing my credit report, I found that my student loans have been reported double and triple times on my credit history. This has caused many occurrences where I have been treated unfairly due to the impact on my credit rating. My loans were refinanced and should only be reported 1 time for the full amount, not multiple times for the same accounts.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the following information that XXXXXXXX XXXX Account supplied your company. I have highlighted in yellow the items I dispute on the attached copy of my credit reports. 


This account was verified & accurate, however there are several inaccuracies on this account being reported. All the bureaus are reporting different information. Also, on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I disputed XXXX XXXX  Account. However, the Date Updated did not change. It appears that no investigation was done. I am requesting deletion because the procedures were not followed outlined in the FCRA. 

Transunion has committed several FCRA violations by not conducting a thorough investigation and by also reporting inaccurate information on my credit report.
Consumer complaint received 2015-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: High Point Asset Inc (CA)

At least once a day, sometimes more, I get an automated call saying I am a " Person of Interest '' or that " Legal Action is Imminent '' or I need to make a " statement of intent. '' I have no idea what this is about, and internet searches indicate this number to be owned by scam artists.
Consumer complaint received 2015-11-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (GA)

The problem is with GM Financial and the difficulty I 'm having with the company applying the funds that I sent, before my first regular monthly payment, to principle only. According to what I read, from the company 's literature, all funds made previous to or after a regular monthly payment or simple interest payments would automatically be applied to the principle. I also spoke with a representative who pretty much said the same thing ; before I ever made a payment. In the month of XXXX 2015 I paid a total of {$3800.00} on my car loan. To date my monthly payment has not changed even though I paid {$3500.00} over my regular monthly payment. The months owed on the loan was corrected to show that I now owe for XXXX ; that 's it. At first when I called I was told that the situation will be corrected. The last time I called I was told that my payments would stay the same and the months I owed would stay the same. What I had been doing is basically making early payments. When I email but get no response. 
Snippet of email sent to GM Financial '' I made a totalpayment of $ XXXXdollar on myaccount. I havecalled severaltimes to make surethat all of thefunds are appliedto my principleONLY. ''
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (PA)

On XXXX, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Experian Information Solutions Inc. (OR)

My credit report has been incorrect for years. Each time that I move or get a new apartment, the same information appears. Each time it is corrected and the corrections are never applied. 

I sold my house in XXXX of last year. I had equity and it was wired to my new bank? Why do you still list me as paying a mortgage? 

I have not had a credit card since 2018. You have me listed for student and car loans. They are incorrect. 

I have complained numerous times and NOTHING EVER GETS FIXED
Consumer complaint received 2015-12-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rausch Sturm LLP (TX)

They call every day for someone who does not live here. I spoke with them and they said that they would stop but continue to call. It is automated so they just have n't changed their programed numbers to call. 
The person calling is XXXX XXXX, XXXX