davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (FL)

I lost my job working as a XXXX XXXX. I found an online job that was not legitimate and was paid by a check that bounced. I explained this to my bank along with overdraft fees building up as well. Everyone seems to not care and they restricted my debit card. My tax refund is sent to this account as of XX/XX/19 from the irs. Chase bank now is holding my funds stating I will not receive them until after two business days. Along with the weekend. I am behind on every bill this has caused a Major disruption. I just want whats rightfully mine and no more problems. There has to be some laws protecting tax payers dollars.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute information on my credit report related to XXXX loans. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and specifically under Section 609, I am formally requesting validation of the reported XXXX loans. 

I believe that there may be inaccuracies in the reporting of these loans, and I am exercising my right to dispute and request verification of the information in accordance with the FCRA. The specific details of the disputed information is attached in document and I am aware of my rights under the FCRA, which grants me the right to dispute inaccurate information and obligates the credit reporting agency to investigate the disputed items within 30 days. Additionally, under Section 609 of the FCRA, I have the right to request validation of the reported information.
Consumer complaint received 2021-10-26
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. (FL)

I sent in a dispute certified usps, which Equifax states that the dispute was started XX/XX/2021. Currently their website still states that the dispute is in process but it should have been completed by XX/XX/2021. Per the FCRA, their reinvestigation should have been completed within 30 days.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (UT)

IhaveacreditcardwithCitibank.MybalancewasXXXXuntilapparentlyXX/XX/13.Iloggedintomakeapayment,andmybalancewaslower.IcalledandtheytoldmetheygotanoticefromXXXXtolowermybalance.Shesaidshecouldntdoanythingaboutit.Iwasnotnotifiedofthischangebuthadtofindoutformyself.
Consumer complaint received 2018-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (OH)

A person by the name of XXXX XXXX calls my place of work and leave a message with a coworker for a call back, So I called her back and she proceeded to give me the mini Miranda and tell me about the debt she has in her office. I tried to tell her I never received a notice in the mail and asked her not to call my work anymore and she says she didn't know it was my work, we answer the phone with a biz name. I asked for an itemization of the charges since I did not recognize one of the charges she was describing but, she claims she can not get that since it is hippa protected, So I wanted to ask how you can collect something you can't prove I owe but she got angry and hung up on me.
Consumer complaint received 2018-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Mortgage LLC (NJ)

My original lender, Finance of America, advised my that my first payment for my mortgage was due on XXXX XXXX, 2017. They then sold my loan to XXXX who advised me 6 months later that my first payment should have been XXXX XXXX, 2017 and that I was behind in monthly payments. My original complaint # XXXX was against XXXX and this complaint is related to that previous complaint.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have contacted Experian several times and explained that the address XXXX XXXX XXXX XXXX, MS does not belong to me & I have never lived there. I disputed this address back on XX/XX/XXXX and there were no changes. I also disputes again on XX/XX/XXXX and this was not deleted. I spoke with someone in the special handling department and she did nothing either. This information is not mine & should be deleted from my credit report. I explained that I have been a victim of identity theft & this incorrect information allows easy access to open additional accounts in my name.
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

Upon looking at my credit report I spotted the following Inconsistencies and inaccurate and b/c I the FCRA I would like these negative items deleted from my credit report. Not my account was deleted now reappearing on XXXX  and XXXX
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I have a XXXX XXXX XXXX XXXX credit card that I manage via XXXX XXXX website : XXXX. Approximately two years ago I updated my contact info ( Home address and E-mail address ). Apparently this info was only updated for my XXXX XXXX store account, and not my credit card account. This was not made clear to me, nothing in XXXX XXXX website suggests that contact info is to be updated via a separate website. In this case, Macy 's credit card website. A site that I never dealt with. All my transactions and payments are made via XXXX XXXX " XXXX '' website. 

On XX/XX/XXXX I made a XXXX gift purchase of {$54.00}. A purchase that I forgot about. Past due and fee collection attempt notices were never sent to my current home address and/or e-mail address. Instead, only e-mail notifications were sent to an e-mail address I no longer use. 
I ended up accruing late fees without my knowledge. Late fees that were more than twice the sum of my initial balance. A total balance of {$120.00} which I paid ( on XX/XX/XXXX ) once I learned of the past due balance. I learned of the balance when the past due notices showed up on my credit report. 

I contacted XXXX XXXX and spoke to at least two escalation managers from their credit division explaining my situation. I explained that in it's currant format, their XXXX website can lead to communication issues such as mine. The managers refused to reimburse the late fees, much less remove the past due notices sent to the three major credit bureaus. 
I feel victimized. I believe this is borderline credit fraud. 
I was lead to believe that my contact information was updated, with both XXXX XXXX online store and their credit card division. 
I have included screenshots of my XXXX profile, which shows credit card management accessibility. Also is a screenshot of the XX/XX/XXXX order that shows my current home address and e-mail address, indicating that XXXX XXXX had my latest contact info at the time. 
I have also included bank statements to prove that I had ample money to pay the balance of the XXXX XXXX XXXX XXXX account. 

Side note, I checked my XXXX XXXX XXXX XXXX account via the direct website and found that Macy 's was still using my old home address and e-mail address. 
I checked this when Macy 's explained their case. However within a few days of reaching out to them, they went ahead and updated my contact info without having asked me. In my mind, they did this in an attempt to cover their tracks. 

Thank you for your time, and I apologize for the length of my report.
Consumer complaint received 2020-12-03
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: BARCLAYS BANK DELAWARE (NV)

I ordered a clothing package from XXXX XXXX on XX/XX/2020. The order was shipped in two seperate packages. The first package was marked delivered on XX/XX/2020 by XXXX marking my package delivered. I NEVER received this package. I live in a gated community and have a XXXX camera doorbell that catches ALL motion on my front door. I work from home and my desk is right next to the front door. This package contained 3 items totaling {$450.00}! I immediately called XXXX XXXX within hrs and told them this package was not delivered despite the notification. They told me to wait 2 days. After 2 days, I called back and they told me they could not do anything and to file a claim with the credit card company. I disputed the charge and XXXX XXXX froze my account. I called XXXX XXXX and spoke to a chargeback coordinator that told me to file a police report in addition to the credit card dispute. I told them the package was not stolen it was misdelivered. I opened a dispute with XXXX  and a driver complaint. They offer no solutions. The credit card company denied my dispute because XXXX driver claims he delivered this package. This is the second package within one week that was NOT DELIVERED from XXXX. ( XXXX refunded my {$110.00} after I disputed the charge ). Both packages marked delivered on a Thursday. I filed a police report, the police laughed at me and filed the case closed. I am now out {$450.00} for over 2 months!! I refuse to purchase anything from XXXX XXXX ever again. The credit card company offers no solutions. XXXX XXXX told me to file an insurance claim! XXXX XXXX customer service XXXX XXXX was completely rude and stopped replying to me when I provided the completed police report and the credit card closed the dispute. I have ordered THOUSANDS of $ of clothing from XXXX XXXX and NEVER had an issue and they treated me like a piece of XXXX!! I want my money back!! Barclays Uber credit card is a scam.
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (VA)

I am filing this complaint because Swiss Colony has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2019-03-14
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. (TN)

On the XXXX of XX/XX/2019, the creditor XXXX XXXX XXXX transmitted and requested that their trade-line be removed from my credit report. As of this date this is request has not been completed and appears to have been ignored. Attached is a hard copy of this request from the creditor asking for the trade line to be removed.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

XX/XX/XXXX Gentlemen : XXXX XXXX XXXX XXXX  I purchased my building at XXXX XXXX XXXX, XXXX, IL XXXX. As I neared the end of my mortgage time, the debt collection company XXXX as Mr. Cooper bought my mortgage. As result I have had numerous problems and concerns with the handling of my mortgage and I recognize that I am a victim of Predatory Lending Practices. 
The latest in a long string of concerns involves information that I just recently received stating that Mr. Cooper added {XXXX XXXX to my mortgage for hazard insurance that they purchased to cover them only, at my expense. 
I purchased insurance for my building with XXXX XXXX XXXX years ago, which Mr. Cooper paid from my escrow account. XXXX XXXX reports that Mr. Cooper did not pay the full amount resulting in the lapse in insurance coverage effective XX/XX/XXXX. I received notice from XXXX XXXX that Mr. Cooper did not pay {$150.00} of the total amount that was due and that the balance would be turned over to a debt collector. I immediately paid the balance and updated insurance coverage on my building on XX/XX/XXXX. Regardless, on XX/XX/XXXX, XXXX and XXXX I receive emails stating that Mr. Cooper had purchased hazard insurance in my name. I talked to a Mr. Cooper representative about this and they stated that I do not have insurance and that is why they made that purchase. However, on their own site it indicates that I do have an active policy that is current. 
My mortgage balance was less than {$26000.00}. Now {$14000.00} has been added on bringing my balance to over {$40000.00}. 
I have worked very hard to pay for my building and I cant help but feel that Mr. Cooper is working very hard to steal it from me. I am asking you for an immediate thorough investigation and help with this matter. I am sure you know that the troubled predatory Nation Star is now the same rebranded as Mr. Cooper. 
Thank you in advance for your time and attention. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-28
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX, XXXX XXXX XXXX, ****, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting act this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AZ)

Opened account with Citibank in XX/XX/XXXX due to a flyer advertising a {$400.00} bonus when holding a balance of {$15000.00} for 60 days. Deposited {$15000.00} on XX/XX/XXXX. Kept {$15000.00} in account until XX/XX/XXXX ( 71 days ). Was supposed to receive bonus within 90 days of fulfilling terms. Still have not received bonus as of XX/XX/XXXX. 

Contacted Citi Customer Service via Chat on XX/XX/XXXX. Representative stated that Citibank does not start counting the 60 days until the XXXX  day of the account being opened. There was no mention of this on the flyer nor the landing page. Unfortunately, I did not keep the flyer nor screenshots of the landing page. However, I did find a screenshot online of the same offer with an end date of XX/XX/XXXX. The same offer was extended to XX/XX/XXXX. 

I have attached the screenshot of the offer 's landing page. The landing page only states that you must " maintain the minimum balance for 60 consecutive calendar days. '' It seems like this landing page was made to be purposefully misleading as Citi has since updated the landing page of their new, similar offer to more plainly lay out that they start counting on the XXXX day. I have also a screenshot of their new landing page as the representative repeatedly pointed me to it.
Consumer complaint received 2021-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Windham Professionals, Inc. (NJ)

My mother was admitted to XXXX XXXX on XX/XX/XXXX. She went for elective XXXX but landed in the ICU for almost a month. Instead of XXXX XXXX sending the amount owed after insurance was paid they sent it straight collections. Pro-Co Collections sent a balance of {$4200.00} on XX/XX/XXXX if {$3300.00} was paid in a one time payment they would offer a 20 % discount which amounted to {$840.00}. The one time payment of {$3300.00} was made on XX/XX/XXXX which I have a canceled check and bank statement. Pro-co did not write off the discount but sent it to another collection agency XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$840.00}. Copies of the letters, bank account, canceled check was faxed to both agencies. They refuse to send a letter of XXXX balance even though Pro-Co on a recorded line stated today they have a XXXX  balance on the account. XXXX health has also stated on a recorded line they have a XXXX balance. All three companies refuse to give out the representatives name when asked and they hang up. Then they say they need XXXX XXXX to tell them it's a XXXX balance. We have been dealing with this for months and my parents are elderly. Now XXXX is saying as of today after I told them I was contacting the Federal Trade Commision that Pro-Co had the amount wrong and that a additional charge of {$840.00} is owed but they can not provide where this additional amount came from or how they all went from having a XXXX balance to they can't send out letters saying the balance is XXXX after receiving all the information sent to them.
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (MS)

The date opened on the account is XX/XX/2019 and the balance reported is {$980.00} I have tried to get this fraudulent account resolved with XXXX XXXX, because I do not have all the information that was used to open the account there was nothing the company could do. I have also tried to get this fraudulent account resolved with the credit bureaus, and it is still showing up on the Experian credit report each month.
Consumer complaint received 2018-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX I applied for a HELOC from my mortgage company. After i disclosed all information to Chase i was told over the phone my credit score did not meet minimum level for Chase HELOC policy. At no time during phone application process did the Chase representative disclose to me what the minimum credit score Chase requires for a HELOC. My on time mortgage payments are excellent over the past few years. Currently I have a substantial amount of equity in my home and Chase is not allowing me to access it I need to access the equity in order to settle some outstanding accounts that were damaged due to a divorce that was finalized on XX/XX/XXXX. I have been consistently improving and repairing my credit since my divorced was finalized. The equity in my home is mine and i am only asking for a small portion of the equity to settle credit accounts in order to continue repairing my credit, Chase did not disclose to me that they require a minimum fico score to be approved for a HELOC.. I have been a Chase customer for many years but they will still not allow me to access my equity.Totally unfair lending process.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.