davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

After my mortgage was sold to Bank of America from XXXX, my husbans lost his job in XXXX. We filed bankruptcy XXXX of XXXX and included this loan. It was discharged XXXX/XXXX/XXXX. In XXXX of XXXX, Bank of America sold my mortgage to XXXX as a loan modification. Knowing that our bankruptcy was finalized and discharged in XXXX. Now, 4 years later, we are unable to purchase a house because XXXX had our names on this property until XXXX XXXX, XXXX. How can a financial institute sell your mortgage after a discharge?
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Citi bank and Best Buy credit services failed to meet minimum requirements by law to report account to credit bureaus. They report the account as delinquent damaging customers credit to try to force payments on credit cards for broken product sold and delivered by Best Buy. Citi bank is also the collection agency. They make it impossible to dispute and use incorrect paperwork as reasoning. Citi bank lied and said the dispute was closed in XX/XX/2023 when online account stated reinvestigation was in process.The dispute resolution was only to contact vendor and I have on multiple occasions to be told over the phone that it would be resolved correctly and refunded.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America - wrongful late fee payment : I scheduled auto payment to my credit card at least 20 days in advance of the due date XX/XX/XXXX of the correct and full amount. This scheduled payment is visible in my " transfer activity ''. The payment due date of this credit card is XX/XX/XXXX. 

I was charged a {$25.00} late payment fee on my card on XX/XX/XXXX. The auto-pay automatically starting pending on XX/XX/XXXX. I did not do anything on my end as it is clearly an error that the payment was made past the XX/XX/XXXX I scheduled by the system. 

I called customer service who was not able to see the transfer activity on their end when I have record on my online banking of this scheduled payment. Customer service said it could be a technical error or that I did not do it correctly. I have done this every month for the past six years and record on my account shows the scheduled correct day for the full amount. Bank of America has an error in their system and wrongfully taking money from accounts.
Consumer complaint received 2024-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (SC)

I contacted the XXXX XXXX XXXX XXXX and asked for paperwork to verify the debt on XX/XX/XXXX via phone. It was never sent. 

They also offered me a settlement over instant messaging on XX/XX/XXXX of {$480.00}. At that time they did not say I had a time limit to accept the offer and I told them that I did not have money at the time for that amount and was asking for something lower and they refused. At that time I called in and asked for verification of the loan because I didn't think I owed close to {$700.00}. Wanting to act in good faith, I tried to get the funds to pay. When I got the money and called back on XX/XX/XXXX, they said they would no longer accept that and that now I had to pay {$590.00}. The principal debt is {$100.00} and they are saying I owe {$690.00} because of late fees. 

I have tried to talk to several different people at this company and they are saying that they will take me to court but won't say when or how that will happen. When I called on XX/XX/XXXX, the employee was goading me and laughed at my situation. I asked him to send me verification of the debt and I don't think he fulfilled the request.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

I had my phone stolen from me at my gym. My online banking had no passwords and went into my account and started depositing monry from a another account that i dont know at all. I called fraud to get help and they keep denying my claim. This been going on for XXXX months now and they just keep declining and having at a negative balance
Consumer complaint received 2020-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch (UT)

SECOND ROUND LP is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.
Consumer complaint received 2016-10-19
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (FL)

I have been in contact with Jefferson Capital Sys for over two weeks trying to verify the account and the dates they will only say that I owe this collection. I have ask on 3 occasions for them to mail me info on the account and the process to dispute its validity but I have recieved nothing, I also contacted a credit agency to help me get more info and they have not been able to verify the account only to say they have my name an social security number, I need help ASAP
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XX/XX/24 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

There are multiple lines of credit open through America First Credit Union that are close to {$15000.00}. There is also an open auto loan through the same credit union for about {$42000.00}. There is also a credit card through XXXX XXXX  that is open, a XXXX XXXX XXXX XXXX XXXX  ( possibly the one through XXXX ), and 2 other names besides mine on my credit report. None of these things are mine.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/2021 I made application for a credit card at Lowes. The information indicated that since I did this online, all I needed to do was to make my purchase and go to the Customer Service desk and they would process the transaction and use the credit card which would give me 5 % discount up to certain amount of the purchase and a 20 % discount up to a maximum of {$100.00}.

I made a substantial purchase totaling {$6500.00}, went to the Customer Service desk as required and was told my application was denied. The person at the desk tried to make application for the card again, but it was denied again. Obviously, I was a little confused/not happy, because I know my Credit Score is in the area of XXXX and have an impeccable payment record. She told me I would be receiving an explanation as to why I was denied. 

The letter I received from Synchrony Bank on XXXX XXXX is in the attachment. 

All of the reasons given in this letter seem to me to be reasons to accept my application. 

I called the phone number on the letter to find out what the issue was with my application and was inundated with a sales push from XXXX to get me to use their services and was told they will send out a letter in 15 days to explain why I was denied. I am assuming it will be the exact same information that I already received from Synchrony Bank. 

I purchase a lot of product from Lowes since they are 10 minutes away from my house and would like to take advantage of the discounts offered by having their credit card. 

This is the first time in my life I have ever been denied credit for anything.
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

In XX/XX/year> I emailed a request to obtain escrow summary information to my mortgage servicing company : Select Portfolio Servicing, Inc ( SPS ). They were raising the amount of escrow they were collecting by {$56.00} per month. In my letter, I pointed out that my property taxes in IL have gone down ( lower ) every year for the last 4 years and yet SPS has raised the amount collected every year anyway. I asked to have at a minimum my payment kept the same. 

In XX/XX/year> I received a letter that contained a lot of false data and misinformation. In this letter SPS claimed to have paid much higher amounts in property taxes for the last 2 years than I actually owed or XXXX XXXX billed, thus supposedly generating a shortage. In XX/XX/year>, I called the service department again contesting the data claiming overpayment. 

On XX/XX/year>, I went to the XXXX XXXX XXXXXXXX XXXX and obtained paperwork showing that the higher amounts claimed were never paid and that no refunds have been issued due to overpayment. 

I believe that since I am XXXX and a XXXX XXXX that this company is attempting to employ shady business practices to make this loan payment unaffordable to me. They are wrongly overcollecting on the proprerty taxes and openly lying to me on the payment amounts made.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

Chase randomly closed my account after my payroll check was deposited along with me sending a friend {$50.00} for a birthday event we are attending this weekend. I called the bank because the notification sent to me stated that there was some unusual activity and for me to contact the bank to unlock my account. When I called instead of unlocking my account they advised me that my account was closed and they no longer want to do business with me. I did not have anything unusual on my account besides my payroll check from a new job. Now chase is telling me that they did not see my direct deposit after sitting on the phone, they admitted the deposit was there. I went to the branch and was advised they couldnt release. The fraud operator on the phone at the time told me it was up to the bank to release my funds. However, the branch said that was not true. At this point I really want my funds and Im happy to end the banking relationship because this bank is awful to just close my account for no reason at all. Now I have to go through the trouble of finding a new bank and changing my direct deposit. Please help me to recover my money.
Consumer complaint received 2024-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (TX)

In XX/XX/2024 I received the TD Auto statement. It showed that our XX/XX/2024 payment had not been received when my financial institution showed that TD Auto had received the payment and funds where withdrawn from my XXXX. My XXXX provided me with information showing that TD Auto had processed the payment. I provided TD Auto with copies of my XXXX XXXX  communications with tracking number to show TD Auto had received the payment. I have contacted TD Auto at least six times and each TD Auto states " can't find payment. '' On XX/XX/2024 I submitted another payment for XXXX payment and TD Auto has charged late fees when my XXXX shows TD Auto has received and process the payment. TD Auto 's CSRs place me on hold and don't resolve the problem.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been reaching out to XXXX and Transunion regarding an account that was placed on my credit report back in XXXX with XXXX XXXX XXXX. I have sent over 10 letters and verification of all documents requesting that an investigation be done since this same account was on my credit report under XXXX years ago and was removed from all 3 because I do not owe this debt. The company just sent me a signed contract from XXXX on XXXX XXXX which very well indicates a one year contract which I canceled because # 1 my house was broken into and # 2 XXXX went out of business after filing a Chpter XXXX. I have contacted this debt buying company as well to get this information removed, I have filed several complaints with the XXXX XXXX XXXX and with the CFPB because 1st I never received the validity of the debt within 30 days of request. Also it's a debt that I donot owe. Both XXXX and Transunion continue to Update this information from XXXXXXXX XXXX   with out any verification. Therefore I have also seeked an attorney for assistance and received a call from XXXX on Friday XXXX XXXX from XXXX XXXX XXXX telling me that he received an email from XXXX indicating that this was a verbal agreement to continue my contract with XXXX he also stated that there was no signed affadavidit however he would send me what they received. So therefore there is nothing showing I owe this debt and there was never a conversation that we can go to court on stating I agreed to this, .Credit report shows placed for collections XXXX howeer this was added in XXXX indicates that XXXX/ XXXX is the company and my paperwork which they sent me states XXXX XXXX which was the solicting company working for XXXX.
Consumer complaint received 2017-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My student loan reports that I was on drinking 20 days late with the previous student loan company but I was never late I always maintained.  XXXX   XXXX  is currently my provider but was not my provider when it had the delinquency of a  hundred and twenty  days
Consumer complaint received 2017-11-06
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. (CA)

From XXXX - XXXX, I have CONTINUOUSLY BEEN A VICTIM OF IDENTITY THEFT I have reported this to all three Credit bureaus on a number of occasions XXXX  XXXX Experian To date I still have 4 Fraudulent accounts listed on my credit report 1 ) XXXX XXXX 2 ) XXXX XXXX 2 accounts 3 ) XXXX XXXX XXXX In addition, these account and other fraudulent accounts or attempted accounts have created Fraudulent Inquiries which also MUST BE REMOVED 1 ) XXXX XXXX XXXX 2 ) XXXX. ( 2 Inquiries ) 3 ) XXXX XXXX ( 2 Inquiries ) 4 ) XXXX 5 ) XXXX. ( 2 Inquiries ) 6 ) XXXX XXXX XXXX ) XXXX. ( 2 Inquiries ) 8 ) XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX  14 ) XXXX XXXX 15 ) XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX  XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX 21 ) XXXX XXXX 22 ) XXXX XXXX XXXX XXXX 23 ) XXXX XXXX 24 ) XXXX XXXX. 2 Inquiries ) 25 ) XXXX XXXX 26 ) XXXX XXXX These fraudulent accounts and inquires are Incorrect and Misleading and by federal law MUST be removed from my credit report immediately
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (IL)

I have a XXXX XXXX credit card. Towards the end of XXXX, this card was transferred to Continental Finance thru the XXXX XXXX XXXX Ive tried to make a payment several times over the past 10 days. Most recently, Id logged into the new servicing website, made a payment and nothing happened. They indicated theyd flagged my account for fraud as I was trying to pay too high of a payment. My balance is {$3300.00}. My full payment could not be processed. After calling multiple times, a supervisor recommended I lower the payment as theyd never seen anyone try to process that amount. Rediculous as my balance should be available to pay. On XX/XX/24 I reduced my payment to half, {$1600.00} with expectation to process the other half XXXX. This morning I logged in to complete and the payment has disappeared from the website. Im only allowed 2 payments per week and now due to the timeline I have no ability to process the full amount before interest posts. This is the most difficult credit card payment Ive ever experienced.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (FL)

On early warning report all info incorrect. Someone is sending bogus info to early warning talked to banks involved they never sent info to early warning they are go to send me letters that the info is a fraud. Waiting for police to send me police report I filed about this bogus info. I know who is doing this you will see when I get report
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

On XX/XX/2024 I opened a new Citibank savings and checking account and transfered {$30000.00} into the new checking account on XX/XX/2024. On XX/XX/XXXX I deposited my wife 's check of {$740.00} via mobile deposit into the savings account ( at this time my wife was not listed on the checking/savings account but was listed as an authorized user for our credit card account that was all linked together ). I had access to the new accounts which were linked with my credit card as well. On XX/XX/2024 I tried logging into my account and noticed I was not able to access my checking or savings account, I tried reaching out to citibank but was unable to get help due to the weekend. On XX/XX/2024 I finally reached Citibank and was notified that the account was in fraud alert and was currently under review. On Feburary XXXX my checking and savings account were closed and I was told I would get a letter at a future date in the mail about why my accounts were closed and supposedly I would receive the funds in my checking account in the mail. I tried contacting Citibank but I am just past from one department to another with no help. I have contacted the Citi Exceutive Response Unit to see if they can help me.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (CO)

Since I have informed them, they have sent a notice via text to phone several times of a {$5.00} charge they cant put on card but they do it from XXXX to XXXX XXXX, I have missed 1 payment and still had available credit at that point. I am XXXX and cant turn my phone off at night for health reasons! I feel this is harassment.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo owes me big time. They continued charging my account {$12.00} per month even though I had the funds. They would acknowledge the system error but not give me a refund. I had my account for many years and was sad to close it because my goal Was longevity. They didnt seem to care. I kept my savings account open and now I see account service fees being charged although I have the funds. This just happened yesterday. Of course you cant simply dispute or email, you have to call in and wait an hour to get whats rightfully yours back. I never knew I could despise a bank from stealing from me because Im just a poor woman.
Consumer complaint received 2024-03-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I received an Amex Gift Card. 

I have attempt to use this on XXXX, XXXX and various online retailers ( less than the face value of the card ) and all transactions have been declined. 

Online, it appears may people have had similar issues.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (GA)

Two companies XXXX XXXX XXXX which is closed and early warning.com. XXXXXXXX XXXX XXXX  used early warning before opening me a checking acct. and said they could not open it because of an old XXXX XXXX XXXX account that I word on and I have no idea what they are talking about. I have pulled my credit report recently the past couple of years there is nothing on there at all about this and I do not owe them anything. Please help me fix this. I called early warning and ask them to help me and they said it would take 30 days and they acted more like they were helping the banks more than customers. I really need to open a checking acct I have a lot of cash on me and need to put it up in an account asap. Thanks so much.