davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX XXXX XXXX XXXX began calling me on XX/XX/XXXX regarding a charged off credit card consolidation account. I believe my account originating from Citizens Bank switched companies at some point prior to this. Up until about three weeks ago, it was being handled by a company called XXXX XXXX. I have six different unsecured accounts at the moment. Only one of those companies ever had the actual decency to write to me and e-mail me notifying me that they've sold the account to another company, and every other time I end up finding out through trial and error, but I digress. This complaint pertains directly to XXXX XXXX XXXX XXXX. 

I received their initial contact letter at the beginning of XXXX. I sent them a small monthly payment check and a printed response letter on XX/XX/XXXX. Part of my letter reads : " Please do not call me. I am NOT demanding that you cease all communications with me, but please only contact me in writing. '' Well, my bank records show my check cleared on XX/XX/XXXX, so I know there's no question on whether or not they received my letter. They tried calling me again at the end of the day on XX/XX/XXXX. On XX/XX/XXXX, not only did they NOT comply with my peaceful request to stop calling me, they actually escalated their activities. They called my cell phone again at XXXXXXXX XXXX They also tried to call my XXXX mother 's home phoneline a minute later at XXXXXXXX XXXX to start bothering her for no reason when she has nothing to do with my debt. They've been notified in writing to only contact me in writing. How much more blatant can they get? 

I've attached phone logs of all the call attempts for reference. XXXX also attaching a copy of my letter I sent them. My cell phone is set to forward unknown callers directly to voice mail without ringing my phone. It doesn't block calls. I have never spoken to XXXX XXXX XXXX XXXX on the phone personally, nor do I intend to. From my experience, phone conversations are where things start going wrong, and then everyone ends up debating over who said what later on.
Consumer complaint received 2021-09-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (VA)

XX/XX/2012, I co signed a loan for around {$12000.00}. I was only XXXXyears old. I has absolutely no idea a lot responsibility. The last 9 years of my life has been a struggle for me financially and credit wise. I have been trying to restore and rebuild my credit. I have not had any contact with the owner of the car in 9 years. He refused to pay the loan off. I feel that i shouldnt have to suffer any more. Its been 9 years and I still have not been able to eatablish a good credit report. Navy federal keeps updating it which makes it worse for me. Im a single mother. Im asking for a deletion please. 


I also have a car loan that was opened around XX/XX/2012 for around {$10000.00}. Which has also been charged off for over 8 years. Again I was so young, I wish that I would have been more responsible to knowing these types of things. Both of these accounts have new charged off for years. 

I recently was added as an authorized user on my husbands navy federal credit card whom has nothing to do with my past history. Navy federal closed his accounts because of my old charge offs which was not fair to my husband at all because he has no knowledge
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (TN)

Subject : Urgent Dispute of Inaccurate Reporting of Shellpoint Mortgage Account Dear XXXX and XXXX I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit profile concerning my Shell point Mortgage account. Both XXXX and XXXX have failed to correct the errors despite multiple requests and verifications from Shell point Mortgage. 

Account Details : Account Name : Shell point Mortgage Servicing Incorrect Balance Reported : {$210000.00} Correct Balance : {$190000.00} Inaccurate Late Payments : None confirmed by Shell point Mortgage Despite Shell point Mortgage confirming there are no late payments on this account, both XXXX and XXXX have inaccurately reported late payments, causing undue damage to my credit score and financial standing. Furthermore, the balance of {$210000.00} reported by your agencies is incorrect. Shell point Mortgage has verified that the accurate balance is {$190000.00}. 

These inaccuracies are currently under review and litigation, and I have escalated this issue to the arbitration board. Your continued failure to correct this fraudulent information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit profile. 

I demand that all incorrect late payment entries be removed immediately and the balance be corrected to accurately reflect {$190000.00}. Failure to address this matter promptly may result in further legal action, including seeking fines and penalties for non-compliance. 

I expect this correction to be made within the legally mandated timeframe, and I request a written confirmation of the actions taken. Please consider this letter a formal notice of your obligation to correct these inaccuracies immediately. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-08-19
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)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
Incorrect credit reporting, I have accounts that are not currently reported- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You guys need to stop giving wrong reports on people 's credits for your personal gains and report accurately. 
Do your homework and research before adding wrong accounts to people 's credit report or reporting wrong amounts of figures and holding peoples credit score down for that
Consumer complaint received 2021-03-25
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. (PA)

XXXX XXXX XXXX is reporting 2 accounts to my credit report that i do not recognize, i have tried to as them to verify/validate. this debt 4 times and i have yet to receive a signed contract for either account. XXXX has deleted thhem both as thhey are not able to verify/validate this account ... XXXX delteed one ... .transunion has not deleted. any ... .are. they not supposed to follow suite by law? i need this deleted immediately as they are in violation
Consumer complaint received 2023-09-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was contacted on XX/XX/XXXX at XXXX ( Arizona XXXX ) by a company that stated they were representing Bank of America and were about to file in court to have me served for an outstanding debt from XXXX. They said they were moving to place a lien on my home and looking for XXXX $ in the case. I ended up settling for {$4000.00} do to the threat of being sued and having a lien placed against my home. I have DocuSign documents that say they are from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX. ( XXXX ) XXXX. They number that called me was ( XXXX ) XXXX and I was spoken to by a guy named XXXX XXXX after a XXXX A left a message on my phone saying : " This is XXXX A with process service dispatch. This call is to notify the residents at this location that this is our second and final attempt to deliver legal documents to a uh XXXX the property owner of the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. We have questions about that verified property address. Legal documents are due to be finalized and dispatched. A signature is required for proper service and delivery. If there is any information that is needed or the rescheduling of service, contact the issue in confirm that it's handling your case by dialing XXXX XXXX XXXX. Reference your case number XXXX dash XXXX. You've been notified. '' They even called my brother telling him they were going to file court summons to sue me.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a California Employment Development Department debit card issued by Bank of America which has my XXXX claim funds on it. I have contacted Bank of America at least a dozen times since XX/XX/2023 when they told me they were mailing me a replacement card as mine would soon be expired. I never received a replacement card, even after requesting a second one, and have been promised by Bank of America on four different occasions that they would mail me a check for the balance of my account which is {$10000.00}. I went in to my local CA EDD office and they confirmed my address and that the money had been issued to my prepaid card. The most recent dates on which I was promised a check are XX/XX/2023 and XX/XX/2023. I spoke with Bank of America again today ( XX/XX/2023 ) and was told no check had been sent.
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had the opportunity to pay my account in full and received an interest charge of over {$65.00} which I paid on XX/XX/24. On XXXX they added additional interest fees of XXXX cents. I called to request that they be removed since I had now paid over the amount borrowed twice. 
I work in customer service myself and know that the customer is not always correct but this is abuse. I checked the balance both times before paying it and they keep playing this game of not including the full amount to the customer to keep adding interest charges. They like all businesses are sending the accounts overseas and we are dealing with lack of knowledge and curtesy to the paying customer. 
I ended up closing my account due to rude individuals dealing with us. The guy raised his voice and so did I. I regret getting myself in this situation since I am one to take care of my debts, unfortunately I had no choice.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-18
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: AMERICAN EXPRESS COMPANY (WA)

I enrolled and charged XXXX subscription serves to my American Express Blue Cash Card in XXXX and XXXX of XXXX. After using the services for a few weeks, I canceled all of them so they did not renew. After the merchants continued to charge me for the subscription I disputed the charges with American Express. The first charge was from XXXX XXXX on XX/XX/XXXX for the amount of {$32.00}. The second charge was from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$21.00}. The third charge was from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$19.00}. All XXXX disputes were resolved and closed in my favor because " The recurring transaction has been canceled ''. American Express also enrolled my in merchant block which I was told would prevent the merchants from charging this card again. Over the past XXXX  months I have been charged by the merchants above many times for varying amounts. On XX/XX/XXXX I recalled out to American Express to inquire why they allowed my account to be charged for a canceled subscription that had merchant block. The agent was oblivious to the issue and said that they can only dispute charges in the last XXXX days. I requested to have the amount closed, which the agent avoided. They said they can issue me a new card with different numbers. I agreed to the new card but one was never sent. The agent also did the merchant block again and was going to escalate the issue regarding the recurring charges. I followed up and there was no record of the escalation. I have lost thousands of dollars as a results of American Express failure to protect their customers.
Consumer complaint received 2021-03-25
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: Santander Consumer USA Holdings Inc. (FL)

this company is falsely reporting information on my credit file. When I disputed this information it was removed then put back on to my credit report. They did not notify me 5 days before hand by law and i am requesting that this be removed from my credit report!
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information.

If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST FINANCIAL BANCORP (OH)

First Financial withdrew a extra {$200.00} January 11, 2023. My normal mortgage payment is {$520.00}. I called First Financial and was informed there was a {$1500.00} escrow deficiency re property tax though the XXXX XXXX treasurer confirms my bill is almost {$400.00} LESS than First Financial estimated in XX/XX/XXXX. When I spoke to FF they also confirmed the lower tax number and then one rep implied I would be paying {$200.00} per month I definitely thought the deficiency was fixed at {$1500.00} meaning after 7-8 months it should end the extra payments of {$200.00} and I should return to regular payments of $ XXXX per month. It is obvious that FF bank processes are completely flawed in how escrow and property tax are calculated. I want a full explanation of how many extra payments are due to cure the {$1500.00} alleged deficiency and a reassessment of ACTUAL property tax VERSUS ESTIMATES FROM XX/XX/XXXX. At a minimum, FF practices are unethical and maybe illegal. FF claims it will investigate and call me back by XX/XX/XXXX. I do not trust FF so I am document this in a formal complaint to ensure they respond and fix this. Listen to the recorded call.
Consumer complaint received 2022-07-17
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 (TN)

I have accounts that are inaccurate and its destroying my credit. Send legal proof with accurate information within the legal days or please remove the items immediately within the legal time frame. The following accounts are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I HAVE FILED MULTIPLE DISPUTES WITH CREDIT ACCEPTANCE CORP. THIS ACCOUNT WAS OPENED BACK IN XXXX. HOWEVER, CREDIT ACCEPTANCE IS REPORTING INACCURATE INFORMATION ON THIS PREVIOUS AUTO LOAN. THEY ARE REPORTING ME ''LATE '' WHEN I HAVE NOT BEEN LATE ON THIS ACCOUNT. FURTHERMORE, I HAVE SPOKEN WITH A REPRESENTATIVE IN THEIR DISPUTE DEPT SEVERAL TIMES AND I WAS TOLD THEY WILL FIX THE ISSUE. THE ISSUE IS THEY ARE REPORTING NEGATIVE INFORMATION ON THIS ACCOUNT. ALSO, THEY ARE NOT UPDATING ANY PAYMENT STATUS?! I HAVE ALREADY PROVIDED BANK STATEMENTS THAT SUPPORT MY DISPUTE. ALSO, CREDIT ACCEPTANCE HAD SYSTEM ERRORS DURING THE PANDEMIC THAT PLAY IN FACT. AFTER, I REVIEWED A LETTER FROM THEM THIS MONTH XX/XX/XXXX. THEY ARE STILL NOT REPORTING ANY ACCURATE INFORMATION! THIS ACCOUNT IS NOT SHOWING ANY CREDIT HISTORY, TERMS, OR PAYMENT STATUS. THEY ARE ALL EMPTY! THIS NEGATIVE INFORMATION IS HURTING MY CREDIT SCORE XXXX POINTS FOR ABSOLUTELY NOTHING! THE CREDIT BUREAUS ( XXXX AND XXXX ) ARE HOLDING THEM ACCOUNTABLE FOR THIS MATTER.
Consumer complaint received 2023-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (TX)

I had previously submitted this claim number XXXX and have no idea why it was closed. Is it possible to resubmit this claim to see if I have any options? I have added an addendum at the end to this original claim. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX When it appeared that loan payments were going to resume, I started to make payments in an attempt to minimize the amount of interest charges on my loans. As soon as I started to make payments, Mohela kept my {$1000.00} payment on XX/XX/XXXX and then another {$280.00} from a payment on XX/XX/XXXX. I called the company several times to ask about this. On XX/XX/XXXX, I was on hold for XXXX hr XXXX min and had to hang up. Then on XX/XX/XXXX, i got to talk briefly to someone on a call that reads as XXXX XXXX min. on my call log. The lady was very curt with me, saying that the charges were probably from before the pandemic. I told her that my payments at the time were up to date so that shouldn't be the reason. I also told her that the loans were not supposed to be accruing interest, but she doubled down and said that I was probably behind on my payments and all but hung up on me. I also tried calling the number on StudentAid.com but they said I needed to talk to my loan servicer. When I said that Mohela wasn't answering my questions and was very difficult to get through to, they said they couldn't help me. I'd like someone to answer why so much was taken away on finance charges when no interest should've been accruing. Thank you. 

Addendum : I reached out to Mohela again in XXXX regarding this issue. I received a response from them on XXXX that a request had been submitted to have my payments in the amounts of {$1000.00} and of {$280.00} applied only to the principal balance on my account. I needed to allow up to 2-3 business days for processing. On XXXX I contacted them again to check on the status of the correction since it had not been applied. I got a response from Mohela telling me that my account is at 0 % interest. I asked again about applying the full payments to the principal amount and got a response from Mohela on XXXX that payments are first applied to accrued interest. I'm just unable to get a straight response from them. I would appreciate any help on this matter... or at least confirmation that this interest that they charged me is legitimate. 

Thank you again.