davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-17
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. (NC)

I mailed three separate disputes to Experian credit reporting agency in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to dispute the validity of certain accounts listed on my credit report. Furthermore, I also disputed the reporting of late payments of certain companies on my report where payments were not late. I requested they verify the inaccurate information with companies who provided them this information. I also requested on all three occasions that they provide me with the method of verification and proof of how the said reported accounts were reported as belonging to me as under Section 609 & 611 of the FCRA. In all three instances, the company has failed to provide me with the method of verification and proof received from the companies to support their reports of disputed accounts as belonging to me and late payments as being accurate on my report. According to the law they are required to provide this to me and to only report information that they themselves ( not via a third party ) have validated as accurate through a copy of the original creditors documentation that they must maintain on file. Additionally, my second and third requests to have them verify the accuracy of the information and to provide me proof of the verification, which I have never received, was denied and reported as information was already verified. This original documentation and verifiable proof is required to be on file and should not be of difficulty to provide by Experian as they reported that the errors on my report were validated. I am seeking next steps towards Experian for their failure to properly investigate errors on my credit report and for failure to comply with Section 611 ( a ) ( 7 ), 611 ( 5 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 609 ( a ) ( 1 ) ( A ) of the FCRA and violation of my consumer and fair credit reporting rights.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (IA)

On XX/XX/XXXX a relative of mine opened an account in my name for XXXX XXXX in XXXX and at the time i was staying in another state so didnt know until i started getting letters in the mail from a collection agency which was CCI. I stayed they a while before but moved back to the state i was staying in. The account was opened in XXXX at the time i was staying in XXXX. I called CCI on XX/XX/XXXX which is the collection agency the debt was sold to and i told them that it was a fraudulent account and i had sent in my lease from then and also my police report stating i had identity theft and he didnt understand how it came back as its a validated account. He seen the address where the services were started and also had a wrong address on file for where i stayed which was XXXX, XXXX and ive never lived in that city. Like i stated i stayed in another state. It was a family member who got the account and i dont want to press charges but i got the police report stating it was identity theft. The man insisted that i make a payment on this fraudulent account and i refused to do anything else further including letting me speak to someone of higher authority.
Consumer complaint received 2021-12-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

There are persistent issues with this bank, Cornerstone Home Lending. Ever since I closed my house this with this company it has been unable to accurately escrow my account or pay taxes on time. For XXXX, I got legal notices saying i needed to pay my taxes becasuse this bank did not pay them. I had to submit a request for them to pay them and they did so late, paying late penalty fees. Again, they inappropriately applied my homestead exemption when calculating these and most recently, the real issue, is that they have misrecorded my XXXX taxes which has affected the affordability of my monthly payment. I owe school taxes to XXXX County ( {$3800.00} ) and real estate taxes to XXXX County ( {$2700.00} ). For XXXX, they combined these payments into their system and just called them " XXXX County '' taxes and it shows the combined total amount of taxes paid but, solely for XXXX County. For XXXX, they now assess my total annual taxes for XXXX based on this incorrect figure and then on top, applied my insurance and XXXX County taxes. This in turn has raised our monthly payments by over {$400.00} a month and we are in danger of foreclosing on our account if not immediately fixed. I've asked this bank to fix and they said they already did the assessment in XXXX of XXXX and can not help. I have to resort to CFPB to fix.
Consumer complaint received 2021-09-16
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)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I sent in a principal only payment of {$220.00}. I clearly notated this on the stub as well as the check I sent in. Bank of America ignored my instructions and applied this towards the next bill and also took finance charge against it. I called and they say they will correct it. They said they will reissue a corrected bill reflecting this information. They did not. I see a new bill showing nothing is owed now for this month ( If they do this correctly, I owe the monthly bill which is {$500.00} ). So now I have no idea what they actually did because they will not correct and reissue showing me what happened to my money. All this while, interest will accrue for this time. It is like they are purposely occluding from me what is happening with MY MONEY. They messed up my bill. THey should be correcting it and reissuing a corrected bill not playing a money XXXX game which is exactly what is happening. THey sent me a message saying they moved {$220.00} to principal and {$270.00} to principal and I don't owe anything until next month. What actually should happen is they should do what I asked which is apply {$220.00} to my principal on the date it cleared, and correct and reissue the incorrect bill that they XXXX so that I as a consumer can actually understand what is going on with my money.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CIT BANK, NATIONAL ASSOCIATION (MA)

Financial Freedom, a branch of XXXX XXXX, in XXXX, Texas paid the real estate taxes for the last part of XX/XX/XXXX and most of XX/XX/XXXX ... as is their right ... on our reverse mortgage. We got no notification that Financial Freedom had paid the real estate taxes until we got a call on XX/XX/XXXX, followed by a letter on XX/XX/XXXX demanding the {$4600.00} by the end of the month or the company would start foreclosure proceedings. I tried to make a repayment schedule, but the bank used the excuse that we spent about {$120.00} more than my wife and I received from SSI ... approximately {$1900.00} and my " XXXX '' retirement fund of {$110.00} per month. 
Although we offered to send Financial Freedom {$500.00} per month, our offer was refused out of hand. This seems to be a case of " get rid of the reverse mortgage completely '' or a predatory practice. We are still willing to repay them {$500.00} per month, and we told them so, again by phone, but they still refused. I don't know where Financial Freedom got its financial information.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

On XX/XX/2017, I opened a XXXX XXXX XXXX checking account with a promotion of {$200.00} for meeting certain qualifying terms. They included a Direct Deposit of {$500.00} OR 10 debit card transactions within 60 days. I met both of these qualifications on XX/XX/17 with 10 debit card transactions in addition to a XXXX XXXX of {$500.00} on XX/XX/17. 

I spoke with XXXX XXXX, a representative who initially opened my account after Union Bank initially opened/closed my account in XX/XX/2017. XXXX XXXX informed me that the account was fully open on XX/XX/2017, that the promotion was indeed tied to the account, and if I met the qualification terms ( Direct Deposit, or 10 debit card transactions ) that I would receive the {$200.00} bonus. 

On Wednesday, XX/XX/XXXX, I contacted the office of the president ( XXXX ) to follow up on this promotion and why it had not been granted to me. 

Unfortunately, XXXX informed that because the account was " CLOSED '' I would not receive the promotional bonus. I then stated the obvious, that the account had continuous activity, and that the account actually had a {$25.00} balance. How can the account be " CLOSED '' if there is a current balance!? 

XXXX then informed me that the terms state the bonus would not be applied if the account is not open and not in good standing. 

I challenge Union Bank to prove that this account was not open and " not in good standing ''. I did not receive disclosure that the account was ever closed or inactive. If Union Bank 's motivation is to exclude the payout to accounts with zero balances, it should state so in its terms and conditions with something as simple as " Account must have a positive balance at time of payout ''. 

I believe this is completely unjust and unfair considering the circumstances and how often the account displayed activity. At no point was the account " CLOSED '' or " INACTIVE '' as XXXX states. This is an obvious breach of terms considering the way your terms and conditions is worded, and I fully commit to pursuing the {$200.00} for the sake of principle and as a testament to the importance of customer service and transparecy in banking. Especially when it comes to terms and conditions. 

The only resolution would be to grant the {$200.00} promotional bonus as promised in the terms and conditions. At no point was the account " inactive '', " closed '', or " not in good standing ''. These are subjective terms and an account with a zero balance does not necessarily determine inactivity, closure, or good standing. 

Attached are my Union Bank statements, which clearly show the required transactions and qualifications being met per the terms and conditions. In no statement cycle was my account inactive or not in good standing. And no point was my account determined to be " closed ''.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

The company is reporting adverse information to the credit reporting agencies ( XXXX, XXXX, Experian & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

The company is reporting adverse information to the credit reporting agencies ( Equifax, XXXX, XXXX  & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

Chase unfairly close my credit card ( chase freedom ). 
XX/XX/2019 I received the first chase credit card three days ago, and I only paid once. then I found this card can not be used anymore, it's closed only 3 days after activated. 

I think it's too rude and bad to do so. I'm in good credit and have the ability to pay. 

I'm confused what they are doing.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The company is reporting adverse information to the credit reporting agencies ( XXXX, Transunion, XXXX  & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX hard inquiry XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ALL HARD INQUIRES has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Citibank makes error after error with my card and I get the fines and fees from their mistakes. 
In XX/XX/XXXX Citicard cancelled my credit card AGAIN due to an incompetence of one of their agents. It took a month for them to replace my card, but in the meantime, my car insurance, dive insurance, internet and XXXX accounts were cancelled. They kept lying to me on the phone and telling me that the new card would be sent via overnight mail to me when I was traveling for two weeks ... They outright LIED! They never mailed the card until after a month at my home address. 

In the meantime, I could not sign up again for the above accounts since I didn't know the new card number. Rather than tell me, the agents kept lying and saying that the card would arrive the next day. 

Now once again, since Citi has cancelled my card numerous times due to their own problems ... .hackers, mistakes, always another excuse ... .I have fines for my XXXX, and my XXXX has gone from {$19.00} to {$49.00} ... I had to keep getting delay waivers for my car insurance and I didn't have dive insurance. 

I have tried to call and write to XXXX numerous times. I get recorded messages at the exectutive escalations numbers, and when I called the regular number and reached XXXX, after putting me on hold for ten minutes, the call was dropped. I tried to log in ..on the phone app there is no way to write, and on the website, I was locked out for " invalid attempts '' with the incorrect password when my password is allegedly saved. So there is no way to contact Citi. I left voicemail messages for XXXX at the escalations department. 

I want the {$85.00} annual fee removed as I was told I would not pay after all of this nonsense, I want the {$10.00} in erroneous interest fees waved, and I want credits for the {$26.00} and {$60.00} overcharges I got for XXXX and XXXX due to Citi cancelling my card and not giving me the new card number to fix my autopays. 

Citi needs to be monitored for allowing so many errors to take place in their company on such a frequent basis.
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

XX/XX/XXXX - new home insurance policy took effect with XXXX XXXX XX/XX/XXXX - i called PNC spoke with XXXX - notified them of the new carrier and to NOT pay XXXX This policy was not executed as it was only a quote we received from them. 
XXXX entered these notes and indicated that they had not received anything from XXXX. 
XX/XX/XXXX - received an escrow shortage statement with a home insurance payment in the amount that matched the XXXX quote - no indication of payment to XXXX. 
XX/XX/XXXX - spoke with XXXX XXXX at PNC - she indicated a payment was made to XXXX on XX/XX/XXXX and a payment was made to XXXX on XX/XX/XXXX. PNC paid 2 annual premiums in a span of 5 days even though I had already informed them of who to pay and who NOT to pay. I was given no explanation as to why my notification was not followed. Now my escrow account is over drawn and PNC wants additional funds. It is over drawn because they paid 2 different companies full annual premiums. I now apparently have to follow up with XXXX to get the incorrect payment back from them and then figure out how to get MY money back to my escrow account. 
PNC has totally failed in managing my escrow account.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Student loans on my credit reports for XXXX, Transunion, & XXXX showing at= late or negative mark on XX/XX/XXXX. I rehabilitated the loans in XX/XX/XXXX. No negative marks should be showing after rehabilitation of the loans.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Recently, I ( XXXX XXXX XXXX XXXX, was denied an extension of credit by ( XXXX*Bank OfAmericaXXXX ) .On XX/XX/2020, I applied for ( **Bank Of America Unlimited Cash Rewards XXXX XXXX XXXX XXXX XXXX Bank Of America is discriminating against me and Bank of America are in violation of the fair credit reporting act. I the consumer and natural person was discriminated against. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 USC 1691c and pursuant to civil liability under 15 USC 1692k. 
You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Bank Of America due to the response I received. 
Bank Of America is in violation of 15 Us code 1642, USC 1681m and 12 CFR 1002 because I the consumer, made an application in good faith and was discriminated against. Further more, because my social security number ( credit card ) was used and I received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Bank Of America. 
If Bank Of America fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card. I will indeed make Bank of America & their Trustee criminality and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o
Consumer complaint received 2022-11-19
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: JPMORGAN CHASE & CO. (OR)

I made purchase on XXXX for a collectible item on XX/XX/XXXX. I then initiated a return and proceeded to return the item. The item was received by the seller and he confirmed this but XXXX and my bank never returned the money to me. Now I am out {$6100.00} and the item I purchased I don't have either.
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

Loancare.com is the servicer of my mortgage. I have reached 78 % of the original value of the property. ( 22 % equity ) and LOANCARE refuses to terminate PMI as required by the HPA of XX/XX/XXXX. The loan is current and I have never had a payment 30 days late or later. 

Borrower Name XXXX XXXX. Property Address XXXX XXXX XXXX XXXX MA XXXX. Current Principal Balance {$140000.00} .. Property Value {$190000.00}. Phone Number ( XXXX ) XXXX. Email Address XXXX.. General Loan Information Current Principal Balance : {$140000.00} Loan Origination Date : XX/XX/XXXX Next Payment Due : XX/XX/XXXX Monthly MI amount : {$96.00} Total Scheduled Payment : {$1400.00}