davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (MD)

Sir, On XXXX XXXX XXXX XXXX XXXX, while trying to access XXXX XXXX, a QR code appeared on the TV screen ( Ax : 1 ) to scan it for access. After a couple of attempts, a telephone number floated across the screen to call for further help and that eventually led to my identity theft with two unauthorized transactions appearing on my XXXX store card and Citi-Costco XXXX  card statement of {$100.00} value each. I had reported the scam to these institutions and following a thorough investigation, the money was credited back to my account. Since then I took steps to prevent further abuse of my identity by enabling dual authentication and changed my user-id, password. Got my laptop cleaned, reported the incidents to CRAs and various institutions on ID theft alert. After these events, I became extremely careful and diligently checked all bank checking and credit card transactions regularly. 

ON XX/XX/XXXX while waiting at XXXX XXXX XXXX for my appointment, got two XXXX notifications to respond yes/no to a request by XXXX XXXX for payment from CITIBANK. I responded accordingly having never met a person with such a name. This was followed within the hour by another two notification from XXXX  XXXX XXXX for XXXX payment. Suspecting foul play I reported the matter to both the institutions immediately. Also notified institutions ( XXXX, XXXX ), reported online to XXXX  ( ref.. # XXXX on XXXX ) and filed police complaint. Since then my dispute with XXXX XXXX  XXXX has been resolved and debt recredited. Citibank however refuses my claim despite four appeals responding each time with a standard reply " XXXX claim reviewed by Fraud and DENIED due to no fraud found. Claim lacks credibility. '' CITIBANK N.A. 

XXXX XXXX XXXX XXXX Debit Pay {$350.00} XXXX XXXX Disputed Under Appeal XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX Disputed Under Appeal XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$340.00} XXXX XXXX DISPUTE RESOLVED XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX had BLOCKED Transaction XXXX had immediately gone into action based on my complaint and was able to block the second transaction of {$94000.00} and had honored my claim of {$340.00}. Citibank has however failed to diligently investigate and come to a logical conclusion. They insist that the device used was mine and therefore my claim lacks credibility. Citibank is doubting my integrity despite banking with them for more than 20 years and as you can see from the above that though the MO was the same with both the banks apparently executed by the same person, the banks came to different conclusion. 

I therefore request you and your team to diligently investigate the matter and come to a logical conclusion. Documents supporting the above statements are attached. 
Regards
Consumer complaint received 2016-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. ()

I am disputing a collection from XXXX XXXX XXXX ( in the amount of {$280.00} dollars ) that has appeared on my account. I have already paid in full the amount that was owed for the services performed. There should not be a collections on this account as the Original Creditor has already received complete payment as noted above, and this collection appears to be an error.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (OH)

I have a Lowe 's credit card issued by Synchrony Bank. I paid over and above my balance so that I could make a large purchase at the store. After my payment, my card had a credit balance of {$2100.00} and a credit balance of {$3600.00}. My local Lowe 's store tried numerous times to run my card for about {$5100.00} but it kept getting declined. Even when I called the credit card company and they said everything was okay.Finally I got a supervisor they then told me I could n't charge more then {$2100.00} and I would have to charge it multiple times.The store would n't allow this. When I had a credit of {$600.00} I would pay a cash payment at the store then I was able to buy products or charges over {$600.00} without a problem.Now suddenly have a problem after they increased my limit. I called the credit department several times and was finally told that they would no longer allow me to charge over my credit limit even though I had a credit balance. I was told they would send me a refund check which I would have to cash and then take the cash back to the store. I have been trying to resolve this for over 6 days. The credit manager told me the check was sent XXXX on XXXX/XXXX/16 but did not have the tracking number. I called back on XXXX/XXXX/16 because I did not get the refund. I am now being told the refund just went out today XXXX/XXXX/16 but still no tracking number is available and it will take over 4 days which means it will be over 2 weeks to get my money back and get my purchase taken care of.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit, Inc (CA)

XXXX XXXX XXXX Open date : XX/XX/2020 Amount : {$9700.00} Account Number : XXXX VW Credit Inc. 
Open date : XX/XX/2020 Amount : XXXX Account Number : XXXX
Consumer complaint received 2015-03-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (FL)

I had a mortgage for XXXX years with XXXX XXXX XXXX My original payment started out at about {$1600.00}. The next year when the analysis was done they lowered it to {$1400.00}. They recently sold my mortgage to seneca mortgage and I have received a letter from them on XXXX XXXX 2015 stating that my mortgage will be going up to {$1900.00}. I called to inquire and was told that my escrow had a shortage and I could also pay the shortage in a one lump sum. I do n't have that kind of money. I then called XXXX who sold my mortgage to seneca and was told that who ever did my analysis made an mistake and did n't include my pmi insurance but not to worry because they paid it for me. I find that hard to believe. I want to know how the new company can charge me this money when the previous company made an error in the analysis.XXXX said they were aware of the mistake but no one took the time to call us so that we could have rectified this before it got to this stage. I had spoken to the new company and they are not willing to work out anything other than payment in full of back escrow or up my payment $ XXXX.How is it our mistake when the bank created the problem.I 'm sure if we made a mistake they would be the XXXX ones on the phone to get their money.This is like selling a car to someone and then realizing you could have gotten more and then go back to that person for the difference.
Consumer complaint received 2020-11-02
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. (OK)

XXXX sold me back to back dangerous and improperly working vehicles. After the first one, I was given the option to pick another vehicle. The vehicle I chose was also mechanically unsafe and unfixable so instead if chosing yet another vehicle, I wanted out of the contract. After being told I was being released of all responsibility. I find out the loan was still open on my credit causing me to have to purchase another vehicle elsewhere at 21 %. Then when it closed, it was in a derogatory " settled for less than full balance '' status. Then it reported a late payment in XX/XX/2018. I was never late and account was closed in early XXXX. I have contacted them and disputed multiple times.
Consumer complaint received 2016-06-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

We applied for a loan modification XX/XX/XXXX. It was approved XX/XX/XXXX. Since since then we have made all of our payments on time. It has been just short of XXXX years and Bank of America has not been reporting to the credit bureau. The house value is such that we would be able to market the home and downsize. We would hope to purchase again. 
Because BAC has not been reporting they have negatively impacted our score. When contacted they sent a computer print out of our payment record. That is not good enough!
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

We had a security system through XXXX XXXX XXXX XXXX XXXX.  We werent using it. My wife canceled it in XX/XX/XXXX with a customer service rep. The next month we got a bill showing service was still active. We canceled again. The next month same thing. Finally in XXXX they processed our cancellation but said we owed for 3 months previously that we cancelled multiple times. We refused to pay for the additional months of service as it was not used and it was cancelled. They said we still owed. Then they turned us into collections agency. I have over XXXX credit score and had perfect credit. They do this stuff on purpose all the time with all of their services because they can get away with it. Since this now impacts my finances and credit, I consider it to be a CFPB valid complaint.
Consumer complaint received 2016-12-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Seattle Service Bureau, Inc (OH)

I have an unverified account from NATIONAL SER. I had previously disputed this account. I have never done business with NATIONAL SER. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that NATIONAL SER Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NATIONAL SER Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (PA)

I am having an access problem with my Synchrony Bank XXXX store account. This issue has happened in the past, and I thought it was resolved but it is happening again. I am enrolled in paperless billing, and regularly check my online account status. On Monday, XXXX XXXX, I tried to access my account from XXXX different browsers and get the error message showed in the attached screen shot. I contacted the bank, and a supervisor named XXXX submitted a ticket number to the tech support team ( ticket XXXX ) to determine why I ca n't login. He advised me that the issue will not be resolved for 7 or more days. It is unacceptable that a customer can not speak directly to tech support.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2018-03-16
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. (CA)

In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX XXXX   TO XXXX ( XXXX XXXX XXXX XXXX . A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX balance. Between XX/XX/XXXX and XX/XX/XXXX XXXX sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I was billed for a computer virus software that I did n't order by XXXX XXXX/Citi Bank/Best Buy on XXXX XXXX, 2015. I called and cancelled on XXXX XXXX. When I called again on XXXX XXXX to see if they had processed the refund, they had n't. Now they say it will be 2 months before it goes through. Meanwhile Citibank/Best Buy is charging {$25.00} a month late fee. This a huge scam to drag their feet as long as they can and collect as much late fees as they can. This will ultimately reflect negatively on my credit report, which is why most people probably just pay the fees. Beware!
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was turned down for a venture credit card from Capital One credits cards. They sent a letter stating the reason for my denial was the length of my credit history as shown by XXXX. However, I have been borrowing for over thirty years now, and when I called XXXX to ask them about the problem they stated that they have no record of Capital One even making an inquiry against my report.
Consumer complaint received 2019-02-23
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: AMERICAN HONDA FINANCE CORP (NJ)

My son XXXX XXXX lease a car with Honda as his father I co sign to help him the car lease is over they have the car Honda never notify me that he still owe excess mileages Honda work out a deal with my son to pay the excess miles without letting me know about the arrangements as far as I know they never even contact me this is between my son and Honda also they did not contact him either as he waited for there arrangement. He has a new lease with Honda which I believe they should have roll the excess mileages in the price. I should not be involved with any new deals that Honda or my kid did. My credit is in jeopardy please help..
Consumer complaint received 2015-03-25
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My house has been sold in Sheriffs sale. I have three months left to redeem it I want my house. this predatory and fraudulent HELP URGENT. I live here. This is a Bank of America Reverse Mortgage I did not know that in the three seconds it took me to sign. that paper I gave. my house awayThis is all I have the only place to live I want my house and land back. It is a nice house that Myfather left me in his will. My Father Husband and I built this house fifty five years ago. Im a senior citizen and a widow. I may live another twenty years. I raised my XXXX children here. HELP HELP HELP! UrgentI had XXXX XXXX XXXX and a XXXX accident It was not my fault XXXX. The Bank of America speed up the process to take my house away. They also sold my Loan which is against the law.To XXXX Mortgage in XXXX, Michigan
Consumer complaint received 2016-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NJ)

convergent outsourcing inc is trying to collect on a debt to XXXX that number one is not my account and the account that i did have with XXXX is over XXXX years old and they have an account number that doesnt belong to me.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have been having negative financial issues with my bank ( Capital One ) concerning my line of credit on a credit card I have with them. This began in 2011, just after my husband passed away. I had credit XXXX cards with Capital One at that time. I had a credit line of over {$10000.00} on the first card. No sooner had my husband died, the credit limit on that card was brought down to {$500.00}. I also noticed Capital One was using my {$85000.00} mortgage on my house toward XXXX credit, which I understand is not supposed to be used for these purposes. I closed that first card. 
Two weeks ago I applied for a greater line of credit on the second card, which has a limit of {$5000.00}. I was denied the increase because " Recent use of this account 's existing credit line has been too low. '' However, I have charged up to {$800.00} on this card in the past, and I have pristine credit including well over XXXX XXXX score ; pay all my bills on time ; pay the full amount ; never went into delinquency ; never made a low payment, and this account has never been past due. Also, Capital One did not tell me what a suitable charge amount is. 
I feel Capital One has been discriminating against me and its practices have been deceptive, especially since this all occurred after the death of my husband ( six months later ) whose finances were separate from mine. I have always had pristine credit. It appears also that my credit from other banks have not been harmed because of this issue with Capital One. I would like to know what options I have. Are they allowed to use my mortgage amount to determine the line of credit for a credit card?
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Greetings. I have recently reviewed my credit report and have found numerous inquiries that should not be listed on my credit report. These violations evidence unfair reporting pursuant to 15 USC 6801 ( a ) Privacy Obligation Policy It is the policy of congress that each financial institution has an affirmative and continued obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers ' nonpublic personal information. I never gave these entities or the credit reporting agencies permissible purpose nor written instructions to access or report this information and they never clearly or conspicuously disclosed that they would disclose this information. Additionally, they never gave me an opportunity to opt out of these inquiries being reported in pursuant to 15 USC 6802 ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third part unless -- - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other forms permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never gave these companies permissible purpose to report this information and they need to immediately remove all inquiries listed below. 

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Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

On XX/XX/2022, Rocket Mortgage made a hard inquiry on my credit reports. I had a current mortgage with them ( still do ) when they contacted me to ask if they can do an assessment to see if a better mortgage product was available for my situation. I told them I was happy with my 15-year mortgage and 3.25 % rate. As the rising interest rates had already begun at that time, I knew I had the best rate I could get. I was completely happy with what I had. 

The lady kept talking about it and said she could do a quick assessment of my situation. I did not want this until she called me and browbeat me until I finally told her okay. I was under the impression this would be a soft inquiry, otherwise I would not have agreed to it ... because again, I did not contact them, nor was I seeking a new loan. 

I remember her having me say yes on the recorded line, so I don't know if there is anything that can be done, but that practice is slimy, sorry, and predatory. I am an educated person ( XXXX XXXX ) and I still fell victim to this underhanded behavior. Even if you can't help me, they should be stopped from maliciously hurting people 's credit scores. 

Thanks!
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: JPMORGAN CHASE & CO. (OR)

On XXXX XXXX, 2020 I went into Chase bank XXXX XXXX XXXX XXXX branch. XXXX  XXXX. Oregon. My reason was to get a cash advance off of my XXXX XXXX debt card that is issued through social security. The teller 's terminal closed and I was told by the manager that they could not give me my cash which was in the amount of XXXX XXXX dollars. The money was deducted from my card and not given to me. I was first told that it would be 5 business days before I could get it, after that 5 days passed I was told it would be 10 business days. This left me without any money, any food, or my medication. This caused a horrible hardship on me, and only after I contacted Chase executive offices was my money refunded back to my card 17 days after the incident. I am asking them for monetary compensation in the amount of XXXX dollars the amount with held from me, and nothing less than XXXX I am trying to do this without going the legal route. The only thing that I am being told is that it is in resolution. Not saying that yes they will comply or no they will not. I need to be compensated for what was caused to me as it was no fault of mine. please help me with this. I am a senior citizen XXXX XXXX XXXX.