davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: First Data Corporation (MD)

On XXXX XXXX 2017 I attempted to use my ADP TotalPay card to purchase a computer at XXXX XXXX in XXXX XXXX XXXX in Maryland. I wanted to charge {$800.00} on the card. At the time I had a balance of {$1800.00} of available funds. The card was declined. XXXX XXXX attempted twice and it was declined twice. I had to use my XXXX XXXX XXXX Check card to make the purchase. I contact customer service at the Money Network and was told they could find no reason as to why my card was declined and they apologized for my inconvenience. They stated I could transfer funds from the ADP card to cover the bank card. On XX/XX/XXXX, I processed the transfer of funds from my ADP card to my personal XXXX XXXX XXXX checking account in the amount of {$950.00}. My ADP card was charged {$3.00} for this transfer. On XX/XX/XXXX the funds had been returned by my ADP card ( less the {$3.00} fee which was not returned ). I called customer service and was told they were having a technical glitch and could not transfer the funds at this time. They once again apologized for my inconvenience. At this time TotalPay has approximated {$1800.00} of my funds and will not allow me to use the money as I wish. As it is they limit me to the use of {$1000.00} of my funds per day. I have accepted this limitation and tried to work within this limit but now their process of declining my transactions is excessive.
Consumer complaint received 2017-06-06
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (VA)

XXXX   XXXX   XXXX   called my home number ( when I am on the do not call list ) and promised to sell my patents on the   XXXX   XXXX  . They promised to do unrealistic things. At first I was very emotional since my daughter was murdered and they took advantage of my grief and emotional state. I reallized I was scammed so I went on line to down load the complaints against them and immediately called them back saying my daughter would turn over in her grave if I had anything to do with a scam company such as them. I cancelled everything within  24 hou rs. I also called my credit card company  Chase Credit card services, telling them not to accept anything from   XXXX   XXXX   XXXX  .I  followed it up with a lette r to Chase and included all the dozens of scam complaints that I found on line.  I was told ok everything was fine. Soon after that  Chase bega n to come after me for {$18000.00} for a scam. No work was ever preformed, no meeting was done, no movies were taken nothing what so ever was done.  Chase  Credit card services just wants my money. they said they will ruin my credit if I do not pay. I called them up but the do not listen. they are just coming after me for the scam money where no product was delivered no work was done just a scam.   XXXX   XXXX   XXXX   never contacted me. They undertsood I fired them and do not want to deal with them Why is  Chase c oming after me after i reported the scam? I need some help I  am XXXX  yea rs old and it is elder abuse. They think I will scare and pay them. I do not have retirement. I only get social security. I am still working since I need to eat. Please call em   XXXX   XXXX   a law suit will cost me more money than the entire ballance they claim I owe that is why they are doing it. they need to be ponished.  Chase out to  be a shamed of themselves to be abusing an old lady like me. My name is   XXXX   XXXX   My address is   XXXX   XXXX   XXXX   XXXX  , VA  XXXX   e m ail  XXXX  XXXX  XXXX  thank you for your help my cell is   XXXX   XXXX
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I have had numerous conversations with CITI regarding my account # XXXX XXXX XXXX XXXX - Which was an old XXXX account that was converted into CITI through Costco. <P/>They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for XXXX 2017. I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to CITI and they have agreed to remove the derogatory reporting, yet as of XX/XX/2017 they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the CITI phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of XX/XX/XXXX and need written confirmation before then that this late payment has been deleted from my credit history once and for all.
Consumer complaint received 2017-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

I grew up in XXXX XXXX and opened up an account with Citibank. I got a promotion at wok and that sent me tl XXXX. From there I went ti XXXX, I asked Citibank several time to please move my account to XXXX. She told me it could not be done i would have to go to XXXX. I have been legal XXXX since 1991, I feel it is my money and I should e able to have it where i want, They could send my money everywhere but not to myself .. <P/>Thank you XXXX XXXX
Consumer complaint received 2017-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Following a deposit through an ATM of a Chase Bank, an unathorized withdrawal of {$400.00} was allowed in my account. The image of the deposit slip shows a signature that does not math nor does it display my name. After back and forth with the bank they will credit back the amount to my account but continue to say they will not follow up with finding out who was responsible at the branch for allowing the transaction and who was the person responsible for the theft.  Chase  does not protect your private information as they should and after making their mistakes they refuse to help in anyway the situation.
Consumer complaint received 2021-09-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section XXXX XXXX a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-06-06
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: DISCOVER BANK (NV)

We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged Discover to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX. XXXX
Consumer complaint received 2017-06-06
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: DISCOVER BANK (NV)

We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX  balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged Discover to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX., XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX XXXX
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

XXXX  bills ahead of actual usage. they billed me on  XXXX   XXXX ,  2017  {$17.00} for service to be provided for the period  XXXX   XXXX  to  XXXX   XXXX ,  2017 . I canceled service on  XXXX   XXXX ,2017, so I did not owe them {$17.00}. On  XXXX   XXXX ,2017 I received a request from I . C Systems coll ection agency requesting I pay the {$17.00} that I did n't actual owe. Is n't it illegal and fraud to try to collect money not owed. it should be a crime.  XXXX  could ruin my credit.   Should they be allowed to use a collection agency before checking whether the debt is owed? The Federal Government needs to make  XXXX  change their practices and punish them for fraud.
Consumer complaint received 2018-05-31
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX and my issues started with a late payment that XXXX XXXX Bank ( XXXX ) has placed on my credit report. I was able to get the late payment removed, but a few weeks later the late payment was reinserted illegally without anyone notifying me within 5 days of the reinsertion. The supervisor, XXXX XXXX, at XXXX XXXX Bank ( XXXX ) insists that this couldve been a mistake with XXXX XXXX, but this was not a mistake. Ive spoken with professionals at XXXX XXXX and they said they only report from Credit Bureaus and can not edit any of the Credit Reporting information. Even after me showing documentation, he still denies that anyone from the XXXX team didnt report any late payment removing changes. I am currently in the process of filing a civil suit against XXXX & the Credit Bureaus. I will not stop fighting this even if I have to get lawyers and a civil suit going.
Consumer complaint received 2017-05-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I spoke with a representative from Equifax earlier today. I was calling to dispute incorrect information in my credit file pertaining to inquiries that was not authorized by me. The representative begin to tell me that those inquiries could not be disputed and to contact the creditors. According to the FCRA Rules, FCRA 623 ( b  ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the information from it files. These are the inquiries that should not be reporting on my credit file.    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX      XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

I have been a customer of Citibank since 2014 and in that time, I have paid the FULL STATEMENT BALANCE ON TIME on all 4 of my cards that are held with Citi. This includes, the ThankYou Preferred Card, Double Cash Card, Costco Anywhere Visa, and the Best Buy Visa card. I have in fact OVERPAID my cards on occasion and if I received a refund from a company, they would need to send ME a check. Earlier this year, I had to file some disputes due to some unrecognized charges, and Citi promptly issued me new account numbers for these cards, however they failed to carry over my Autopay preferences to the new account numbers. Sure enough when the time came for my statements to be paid, my Autopay was non-functioning and payments were not made for 2 and eventually 3 of my accounts with them. I quickly fixed the issue, updated my settings so that my statements would be paid in full each month for all my cards. Seemed like an honest mistake on there part. I chalked it up to my own fault and figured I 'd pay the interest and move on. However, some time later I received letters saying that each one of my 4 Citibank credit cards was being closed. ( Yes, even the one that was still being paid every month ). They claimed it was due to " Excessive Risk ''. After calling in several times to different numbers for each of the cards ( equally frustrating ), they instructed me to write in to Citibank 's Executive response unit. Which I of course promptly did, and received 0 response.
Consumer complaint received 2017-06-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (GA)

This company interest rate is very high on a XXXX dollar loan the rates is 675.88 % and fees every two weeks is XXXX and one payment miss it goes up to XXXX dollars iam like what thats not right and plus they using different loans id to debit my account and the force me to close my account because they said that they was n't legal and i need to contact the commissioner of ga.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

My complaint is about unfair and unsound banking practices that will result in a foreclosure sale scheduled for  XX/XX/XXXX  of my deceased mothers home that I inherited. After my mother died in  XX/XX/XXXX  and inherited her home I made several attempts to have my name added to the loan to continue the monthly loan payments without any success. On  XX/XX/XXXX  the bank performed a lockout before it had legal ownership of the property. My mothers property was compromised and the bank offered no relief. On  XX/XX/XXXX  I made application with the bank to have my name added to the loan. On  XX/XX/XXXX  I was informed by the bank that I did n't qualify to have my name added to the loan because I was not residing in the home at the time I made application. How can I prepare the home to reside in or sell when the bank had locked me out before it had legal ownership of the house? I recently gained entry into the house and found that the house was in need of repairs before I could move into the home or sell the home to pay off the note and save my equity that I inherited. I have also reapplied for loan assistance with the bank loss mitigation department in an attempt to qualify to reside in the home and at the same time listed the home for sale sell to payoff the loan. I have an offer on the home to sell that is being negotiated at this time. I have also included an approved Florida Supreme Court form that gives reasons why the foreclosure sale should be canceled for  XX/XX/XXXX . Because of the difficulties I have had with the bank in assisting me with the home I inherited after my mothers death I believe that the bank has engaged in unfair and unsound banking practices that are offensive and contrary to Florida public policy. I request that the foreclosure sale for  XX/XX/XXXX  be canceled and given a fair opportunity to reside or at the same time negotiate a sale of the house that I inherited to save my inherited equity.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

The collection company ERC is not authorized to collect in the state of Tn. I have already contacted the company concerning this matter. I have not received any contracts from this company proving evidence that the debt is mine as are my rights. I ask the ERC provide a Full validation of this debt along with proof that they are licensed/bonded in the state of tn to collect. If proof can not be attained, I ask that ERC cease and detest any further attempts and delete the negative remark from all  XXXX  credit bureaus
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 on the corner of XXXX XXXX and XXXX in XXXX, New York, I was approached by a male, XXXX XXXX, over XXXX, mid to late XXXX. He asked me if I knew anything about overdraft fees from the bank. He claimed to have a balance of - {$300.00} in his bank account and he had a check for {$800.00} that he wished to deposit but didn't want the bank to deduct {$300.00}. So he asked me to deposit the check for him and give him the cash. I obliged and deposited the check in an ATM. Immediately I had a balance of {$500.00}, I took it out in cash and gave it to him. The next morning the remaining money cleared and I sent it to him via XXXX. It wasn't until XX/XX/XXXX that {$800.00} was deducted from my account and I realized the check was a fake.
Consumer complaint received 2017-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Back in XX/XX/XXXX my wife and I consolidated into one bank account, XXXX. Before we were using XXXX XXXX XXXX. I changed my account information online and spoke with a representative on the phone after the first month did not work correctly. Now for XX/XX/XXXX payment it did the same thing. They have my account information and this will be on them again for this month 's payment. I have had issues with Navient for the past few years and it seems that every other month there is something new that they screw up. They have my account information and should fix this by XX/XX/XXXX payment. The XXXX month they rolled the charges back into the debt so I 'm assuming they will do this again. It is not my responsibility to fix their mistakes and it is their responsibility to collect. I even have email confirmation and online confirmation stating that my payment account has been changed to our new bank.
Consumer complaint received 2017-06-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX {$680.00} Neither the collection agency or the bureau XXXX has validated the debt. <P/>Under Equifax it says the account name is unknown the only thing that was close to matching the debt under XXXX is the dollar amount and the incomplete account number and under XXXX the account name is XXXX XXXX XXXX  limited again the only thing close to matching the debt under XXXX is the dollar amount and the incomplete account number
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

The state tax lien reporting as released on my Equifax credit report was previously removed years ago as a result of a dispute. The item was reinserted as released with a new date. Also Equifax will not provide me with the method that was used to verify that this information is correct.     (  5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of   the consumer.  <P/> ( Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information.     If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii )   Notice to consumer.   If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Prospect Mortgage, LLC (NY)

TO : Prospect Mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear sir or madam, Earlier this year I received the attached form XX/XX/XXXX XXXX XXXX from you. After numerous attempts to contact you and receiving no replies I was forced to submit this form with ny XX/XX/XXXX taxes. <P/>However I have no idea why you are sending me this form. Our mortgage was with your firm in XX/XX/XXXX. You sold it and the mortgage is now with XXXX XXXX. <P/>Why are you sending me this form after all these years? Is there an escrow or other amount of money that you still have the belongs back to me? <P/>I would like to clear this up in an amicable manner. Kindly let me know what the status of this account is. I believe a due date by XX/XX/XXXX is fair. Please reply by then. <P/><P/><P/><P/>Continuance : I made several calls to Prospect Mortgage in XX/XX/XXXX. No calls were returned. I believe the last call was XX/XX/XXXX at XXXX XXXX ET. I spoke with XXXX. She took my name and number and said someone would call me back. This was typical of two or three other calls I made. No one ever returned a call. So I wrote the letter as detailed above and dated XXXX.