davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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: CITIBANK, N.A. (NY)

Ordered a service from a merchant. XXXXXXXX XXXX application acknowledged the refund/cancellation request but delayed in processing the request. Nearly three months has past since attempting to cancel in XX/XX/2022 and knowing my time to dispute the transaction was closing, I contacted CitiBank regarding a {$1000.00} price billed to my account on XXXXXXXX XXXX 

I attempted to dispute the charge to my account for this service by CitiBank. The below are the details of my interaction with Citibank 's dispute a charge process. 

XX/XX/2022 : Initiated Process XX/XX/2022 : Received a letter from Citibank requesting information and my contact with the Merchant, and details of the steps I took to resolve the issue with the merchant. 

XX/XX/2022 : Received call from Citi ' dispute center to go over this dispute. I explained to Citi that the merchant refused to process my refund. Thier app was the way I was directed to use. Mid-way through the steps, the App just stop progressing in the refund. Dispute center took my information and conducted their investigation. 

XX/XX/2022 : XXXX challenged the dispute showing I purchased their service. Citibank closed the investigation in favor of the merchant. In the letter, Citibank requested I show an email that the merchant accepted my cancellation request. 

XX/XX/2022 : I adhere to Citibank 's request for cancellation request. I submitted to Citibank that the merchant 's app acknowledged my cancellation request and request that Citibank continue with the charge back. 

XX/XX/2022 : Citibank sent another letter stating that they may be able to assist me if merchant agreed to credit my account. and I should seek other means to obtain credit. 

XX/XX/XXXX is the last communication prior to this complaint. Now I am in a XXXX for the reason I originally started the dispute the charge process was because the merchant didn't want to refund me. Now, Citibank is asking for an email that shows the XXXX agreed to credit me. This request is unreasonable when the merchant showed they weren't willing to refund me and challenge the charge back from Citibank. From Citibank moving the goal post to placing me in a XXXX situation, I turn to writing this complaint to the XXXX against Citibank.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, I was a victim of check fraud. I wrote a check in the amount of {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX It appears someone fished the envelope out of the mailbox and altered the check to the amount of {$1700.00} made payable to XXXX XXXX XXXX. This check was cashed at a XXXX XXXX  XXXX XXXX. 
I reported this to my Chase branch and opened a claims number XXXX on XX/XX/2022. I was informed it may take between 60-90 days for XXXX XXXX XXXXXXXX to investigate and respond, so I waited. I subsequently called Chase 's Claims department at ( XXXX ) XXXX option 3 in XXXX and was told they will send a follow up to XXXX XXXX  XXXX. I received no calls from Chase for months, so called back again in XXXX. I received the same response from Chase Claims that all they can do is send another follow up to XXXX XXXXXXXX XXXX. I proceeded to call XXXX Claims again in XXXX, XXXX, and now XXXX. Still no resolution and the same status that Chase is waiting for XXXX XXXX XXXXXXXX to respond. 
This is extremely frustrating to say the least and while {$1700.00} is not a large amount of money to a big bank like Chase or XXXX XXXX XXXXXXXX, it is for a senior citizen like me on a fixed income. I've expressed this to Chase and all they can do is say sorry. My last resort is to file this complaint in hopes that something changes in the ways large financial institutions protect their account holders, especially seniors. It's really not acceptable to have no ability to do anything besides send follow ups that go unanswered.
Consumer complaint received 2022-07-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

I got a loan from 21st mortgage for a mobile home i purchased these people have been the wort mistake Ive ever made besides my ex husband. Ive had issues with the home it came with a warranty which they never honored then the freeze came it caused mold and mildew in the home after the pipes busted they sent out an appraiser they forgot to include th plumbng in the estimate when the disbursements came in they made it XXXX near impossible vecause they wouldnt disburse until i showed proof of work so i was having to come out of pocket to pay for some repairs until they decided it was ok to disburse this went on for over 3 months when the plumbing the contractor would not finish the work because of plumbing issues that needed to be obviously fixed they lied to me several times saying they were disbusing and then woudl call me back saying no because ... then i dhad to borrow $ to get the plumbing done to continue the repirs fast forward repairs were completed i started paying the money back im currenlty behind 2 payments because ve been expecting the insurance to reimburseme they have failed to do so they ignored my requests i filed a complaint with TDI that got their attention and within days i get a call back that they are gon na reimburse me 21st motgage is constantly HARRASSING ME i guess they found out about it i get 2-3 calls daily if not more followed by constant emails from XXXX XXXX and forward the phone calls start i answered this morning the I spoke to the lady told her im waiting on the insurance reimbursement to take care of it they said next week she said let me put u on hold while i write some notes on the acct she gets back on phone with a guy claiming to be the suepervisor asking me the same exact questions she just did then proceeds to tell me im behind 2 payments and the account can be repossessed i told him go ahead ill file bankruptcy and take them to court I know they cant repossess me because ive been late before ive always paid up to date but their constant harassing scare tactics is very unnecessary i know theres people that dont care or prioritize their bill i work in auto financing and i see it all the time but I would never talk to my customers the way these people do its unprofessional its antagonizing, unnecessary and causes more stress and XXXX XXXX I usually dont answer them for tht reason im always at work and thy start with their interrogations and wanting to know how i manage my $ during tax season they literally called me and asked me how much i was getting back and was i planning to pay ahead!!!!! QUIT HARRASSING AND TAKING THINGS PERSONAL!
Consumer complaint received 2022-09-27
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: U.S. BANCORP (MO)

U S Bank Home Mortgage Improper Use of Reporting In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on consumer account under an open end consumer loan/ credit plan as late for any purpose
Consumer complaint received 2022-12-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I started having an issue with logging into my account on line with Chase.com. The system requires a secondary verifiction code that I have been receiving via my home phone for MONTHS. Approximately 3 weeks ago I was no longer receiving these calls so I called Chase Technical support and was told that my phone company was blocking the number. So I called my phone company and they verified that there were no numbers blocked. I then called Chase at least 3 more times and was once told that now I was only to receive text messages but made the correction and I should now receive the calls. Well the problem did not go away and I was told again that my phone company is blocking the number. After another call to Chase they finally created a ticket to research the issue. I received a phone call after 5 days days and was told that my line was a VOIP and not a land line and was being blocked. I then called XXXX and was told that my phone was a land line and not cellular or anything else. They also never heard of the issue and they receive calls from their bank on these lines. So I have spent a considerable amount of time trying to get this resolved and was LIED TO numerous times about what is causing this issue. When I asked about receiving the calls for MONTHS they replied that it was a glitch in their system that allowed the calls to go through and now they block them. One day the calls go through and the next they are blocked. They said that they do not consider VOIP line secure to which I replied that are they less secure than cell phone that can easily be hacked. First, I should not have had to spend this amount of time to try and fix a simple issue in addition to being LIED To numerous times. Secondly, if this is not resolved I will consider changing banks after being with Chase for over XXXX years.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AK)

I was looking at a credit report and my name is on there with my ex-husband 's last name and I have been divorced from him for 10 years and this is a recent report. Also there's a few addresses that I have never been to and I've never lived in Hawaii in the Equifax report
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NC)

My XXXX loan with Navient was paid off on XX/XX/XXXX by the US Dept of Education. It has been over 6 weeks and my loan is still showing up on my credit report when it was paid in full over 6 weeks ago. This is damaging my credit score which is impacting my ability to obtain better interest rates, as I now show two XXXX  loans ( one with Navient and one with US Dept of Ed ) on my credit report when I only have XXXX loan with Dept of Ed. I emailed Navient about this on XX/XX/XXXX and they have done nothing to notify the credit agencies that my loan with them was paid in full.
Consumer complaint received 2022-07-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (VA)

I started the loan process with Movement Mortgage in XX/XX/XXXX. I finally signed a contract on a home in XX/XX/XXXX. This home was new construction and still being built. In XX/XX/XXXX I contacted XXXX XXXX, branch manager whom I'd been dealing with during this process and voiced my concerns that the interest rate was rising ( now at over 3 % ) and I did not want to be priced out. XXXX advised me that he would monitor the rate and that they have meetings every Monday mornings to discuss the trends of the interest rate. Fast forward to XX/XX/XXXX, I contact XXXX again expressing that I didn't want to be priced out because at that time the rate was inching to 3.75 %. We discuss the cost of locking the rate and XXXX states since I stayed with Movement Mortgage opposed to using the builders lender, who by the way was offering closing cost assistance, they ( Movement Mortgage ) would cover the cost of the extension. Finally on XX/XX/XXXX I receive paper work to lock the rate for four months at 3.75 % which would have carried me through XX/XX/XXXX. At this time I haven't done my research to know that the first two months of locked rate there is no charge. After many delays the date of delivery was not meet by the builder, which caused the 1st extension which cost me {$710.00} and was for 2 weeks based on a XX/XX/XXXX delivery which was given to me by the builders. That date passed as well which caused an additional extension for another 2 weeks it's costing me an additional {$710.00}. During this time I'm constantly receiving updated paperwork from Movement mortgage and I noticed on one of the documents that something had changed there was now an 0.375 % of the loan amount ( points ) totaling {$1000.00} on the loan documents which wasn't there initially. When I asked XXXX to explain what the points were because I didn't buy down points to get the 3.75 % rate, that was the rate I locked in with, he tells me points can be different things. I asked for a detailed breakdown of all the fees associated with the locked rate, however when he sent this so called breakdown, he failed to include what the points were. I can provide the email he sent. Up until the day before I closed I asked for an explanation of the points but at this time XXXX began to treat me as if he was doing me a favor and in his words and I quote " she should by grateful for the deal she's getting ''.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have recently graduated from college, come to find out that I have fraudulent accounts in my name. 

I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. 

Under FCRA 615 ( f ). 

I am asking XXXX XXXX, and Equifax to CEASE & DESIST all reporting of these fraudulent accounts. 

XXXX XXXX  : {$43000.00} XXXX : {$3200.00} XXXXXXXX XXXX XXXX : {$16000.00} These accounts are the result of identity theft and I attest under perjury that they are the result of identity theft. 

This is a legal request to cease and desist.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NE)

XX/XX/XXXX I put my rent check in the mail, it was stolen out of the mailbox and washed. The Individual cashed the check on XX/XX/XXXX, but yet the check was post dated to XX/XX/XXXX and very easily noticeable that the check had been fraudulently messed with, but the bank still allowed it to go through. I contacted the bank on XXXX right away as soon as I figured it out that the check was cashed not the original party, I stopped payment and that the check was fraud. The bank keeps giving me the run around and I believe looking for ways not to give me my money back. 

The bank is wells Fargo amount {$1200.00}
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

Starting XX/XX/2022 I was charged by XXXX XXXX for purchases in the amount of XXXX. I did not notice these charges that occurred again XX/XX/XXXX, XX/XX/XXXX, {$27.00}, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, {$27.00}, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. The charges increased to over XXXX each. On XX/XX/XXXX I received confirmation the card was shut down. I was given temp credit for the {$100.00} purchases. Since then I have been calling and writing about the other charges. I even have a letter from XXXX confirming this was not my purchase but an on line gaming fraud. My last phone call to Barclays was to a XXXX who put me on a high priority return call list, That was XX/XX/2022.
Consumer complaint received 2022-07-30
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. (FL)

I submitted a complaint against Equifax for violations, on XXXX they came back in said this was verified and updated payment history, which in fact is wrong they did not put in the 30 day late prior to 90 days u cant just update your mistake, so that is wrong, the complaint was for multiple errors on their part, you can read the last complaint they said this was accurate, but the violation is they DID NOT PUT CONSUMER DISPUTES ACCOUNT, So they are not accurate Remove this Immediately for the violation that must be entered on the first dispute they received by the consumer they say they do independent investigations well where was it? you can't see the violation or you just do not care about proper reporting on consumer records?! 
attached the violation as you can see there is no Consumer disputed remarks.
Consumer complaint received 2022-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (MD)

XXXX XXXX XXXX reported a collection account to my credit of XXXXThis is a false account reported to my credit and must be immediately removed I already tried to dispute this it wouldnt come off. Ive never been serviced by the original creditor XXXX XXXX it was opened XX/XX/2022 this is a fraudulent reporting and needs to be removed immediately or I will take legal action against Both companies and all three credit bureaus reporting this false account
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Macy credit my account for {$6.00} for the past 3 months due to interest fees that were charge. I was told that they were charge incorrectly and credited and to reach out to a XXXX to get the late payment removed due to being late for 31 days for a {$2.00} interest fee that I was never aware of or contacted. My account was suppose to be no interest until XX/XX/2022. When I called the number provided, they seen the credit but could not update the incorrect late remark that was placed on my credit report. The account is up to date and has been credited correctly. I just want the late remark removed off my credit report.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION (FL)

On XX/XX/2022, I provided Alliant with the correct routing and account number to perform a transfer from my XXXX checking account to an Alliant Savings account. It was for {$200.00}. On XX/XX/2022, I received notice from this business claiming the transaction was reversed due to invalid account information. I did NOT provide invalid information. I have had this XXXX account for 30 years! I never entered a wrong routing or account number. I have used this account from XXXX numerous times over 30 years to pay bills online and do account money transfers. Obviously, this is a processing glitch on the part of Alliant.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX A XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On cotober XXXX there were several unathorized transactions in my checking account total amount of {$3500.00}. I notified wells Fargo claim department that same morning. they told me they were going to investigate and meanwhile gave me a temporary credit. This is the second time it has happend, the first time back in XXXX they took almost {$30000.00} from my bussiness account wich after two weeks they just told me the problem was solve and credited my account without any explanation. This time they sent me a letter saying that the case is close and that based on their investigation it was me or someone I gave permission to, so they withdrew {$3500.00} from my account. The transactions were made in XXXX  while I live in XXXX when I asked for proof customer service reps were very rude and unwilling to help. I sent them a letter asking them to investigate further with copy of police report. 
I would appreciate any help or advice to help me recover my hard earned money, thank you.