davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I previously had three savings accounts that were with XXXX, but XXXX was bought by XXXX and my accounts were converted to Citizens. The accounts were then set up on a weekly withdraw from another bank, so that I could build up my savings, but unfortunately XXXX never communicated to me that they would be taking my savings and applying it to a previous debt with them, which was deception and fraudulent because : 1 ) In 2016 I filed Bankruptcy with the Florida XXXX XXXX XXXX XXXX ( case number XXXX, and it was approved by the courts, before it was approved, Citizens was invited to attend the meeting of creditors, but didn't show up, nor did they offer any objections, none of the creditors objected. At this point, Citizens have violated my rights under XXXX XXXX and in addition to taking all the assets from my three accounts with them, they also forced me to pay {$36.00} to XXXX XXXX  to block them from taking additional funds, after I spent nearly two hours on the phone with their reps getting no where fast. I appeal to the Consumer Protection Bureau to rectify this matter, and to also prosecute XXXX XXXX  for violating my rights under XXXX XXXX, in addition, XXXX XXXX XXXX the CEO of Citizens should be charged with enabling fraud, it's under his leadership that Citizens has overstepped their boundaries and fraudulently taken funds that should not have been taken due to the XXXX XXXX filing. In 2016, XXXX had the opportunity to challenge my bankruptcy hearing, they choose not to attend, that is not my burden. I want all funds returned to me by check, I want to be reimbursed for the {$36.00} from XXXX that I had to pay because their Customer Service refused to close the accounts. In addition, I believe XXXX XXXX XXXX should be charged with fraud, he is the leader of this shady operation, and the buck stops at the top. I consulted with my lawyer from the bankruptcy, XXXX XXXX, he said what Citizens did was an infringement on my rights under XXXX XXXX. I expect either the CPFB, or FDC to fine Citizens for this action. I want my money back, and I dont want to deal with their incompetent Customer Service . It's time to lock crooks like XXXX XXXX up, they have ne regards for the laws of the country and do as they please.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Caliber Home Loans, Inc. (GA)

My mothers home went into foreclosure when I was a minor.i didn't live there. The mortgage company sued my mother and put my name in the documents.now I have a foreclosure on my credit report.my name is not on the deed or anything connected to the home.they were instructed by the judge to remove my name in 2019 and haven't
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (HI)

I opened a card with this company in XXXX. In XXXX I received a notice that they dinged my credit. I immediately called and they said when I opened an account with them they have a membership fee that I needed to pay. I told them i would send them a check and i did. They said I needed to pay {$29.00} for membership and {$29.00} for late fee and they would remove any negative reporting. I sent them a check for {$58.00} dollars that they processed and they responded by tagging me with another late fee and another negative on my credit report. Every time I call they say they will take care of it and its now XXXX the account has been tagged with 4 late fees and its being listed on my credit report as past due with a balance of {$120.00}. I have never used this card they advertise as a secured credit card to build credit. 
Everyone I have spoke to gives me the same responses and ask me the same questions. 
XXXX refused to give me an employee ID number and said it was against policy to give it to me. Which i am sure goes against CFPB regulation Last person I spoke to XXXX employee ID XXXX told me I need to pay the late fees and send a letter to have my account considered for adjustment to credit reporting.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX XXXX XXXX XXXX financed a vehicle for me, and the vehicle broke down a few months into having it, and the cost of the repair was too expensive to pay along with paying the monthly car payment. I voluntarily gave the vehicle back to the credit union, and they sold the vehicle at auction and took me to court for the remaining balance that was owed after the auction sale. A XXXX County South Carolina judge made an order of the amount that was owed to the credit union, however the credit union is reporting that I owe them {$9200.00}, which is inaccurate. South Carolina Federal is purposely ignoring the court order, and reporting an aggressive derogatory remark in the remarks section on my credit report, and they refuse to correct the amount really owed for the vehicle. By law if information is inaccurate on a credit report, it must be removed. I have included the court order in numerous disputes which proves the inaccuracies, but the credit union continues to lie to the credit bureau and say the information is correct.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Self Financial Inc. (IL)

I contact Self lender in effort to correct Credit, the self lender representative states you were having trouble? then ask if I could verify my Birthdate and SSC number XXXX gave her the info, she said you had a previously, had an Email here but XXXX said that u were like XXXX yrs old and, and she had my SSC # she went on to say there was a previous balance, did I want to pay the amount now and then it could be cleared up! To start a the devices rendered, I responded why would I pay for a service that Ive never had with the particular company as of yet! She says Aww! yeah that is right so right now until this is cleared up I still dont have the service that was sought after intially!
Consumer complaint received 2020-11-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

XXXX is refusing to remove fraudulently opened account by edge auto who is no longer a business. I was able to get the account removed by transunion who did a investigation but the other bureaus are saying that sanatander is validatthe account. The account was fraudulently opened because the sales man XXXX at XXXX XXXX which is no longer a company went out of business due to fraudulent activity lied and said I was trading in my old car when I never traded it in. XXXX took a XXXX of my old car title and submitted it to XXXX without actually taking my car. I was submitted into a loan that I never agreed to and the state of Michigan sued XXXX per attorney general XXXX XXXX they are suppose to forgive my loan amount. The entire account is suppose to be deleted off all my credit reports. I have reached out to XXXX numerous times they place me on hold and hang up. This is my 2nd complaint
Consumer complaint received 2020-11-19
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: BBVA FINANCIAL CORPORATION (NY)

My account with BBVA Visa Card opened XX/XX/2019. Within one year and 2month period, my BBVA Visa card compromised three times already because someone made a fraudulent charges and when I reported to BBVA they BLOCKED the card and replaced with new card. I live in XXXX XXXX XXXX and these fraudulent charges from XXXX where BBVA have more activity. look like, someone inside BBVA leakage the information. When I reported about this, the representative of BBVA do not take serious and see why within one year they have to issue fourth card and they have to blocked the previous card. My husband also have a individual account with BBVA also and he also had similar issue. I do have other visa cards from other bank but no one have this issue last many years. LOOK like BBVA have a problem to keep consumers information correctly and provide credit card information ti other and they make all these fraudulent charges.
Consumer complaint received 2024-12-04
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (CT)

Shellpoint Mortgage declared they had a " system issue '' during the last five months of trying to get my payment history straight. During the dispute, I kept receiving apology letters from them asking for more time to resolve. They would not give me answers over the phone. During the dispute, they reported me as late on my credit report, causing my rating to drop from XXXX to under XXXX. They finally corrected my report last week, but have caused me money damages by their unfair reporting since they had copies of my proof of payment and reported me late anyway. Now my first mortgage has increased for the entirety of XXXX  as they base their rate increase on MY CREDIT RATING. I was also turned down for credit to replace my gas furnace that broke and needs replacing and we've been without heat while looking for a proper loan. Under the Fair Credit Reporting Act, this bank owes me damages. I am looking for your agency to acquire damage payment to me.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

My name is XXXX XXXX. I have been trying to hard to provide for myself. I am a hard worker, single and with a low income from ssi. I was a XXXX  at XXXX XXXX XXXX and am XXXX to start classes again this fall. I get frequent emails from them. Last few have been about local jobs in XXXX. I applied to one of them with XXXX XXXX. I was told that I was going to be working from home. And I was sent copies of checks by email. I did find it suspicious but XXXX XXXX told me that XXXX XXXX was a good company and that they had an office in XXXX. So I went on to deposit the checks to my online banking app with TD Bank like I was instructed. I also had to reach out to XXXX XXXX and paid them for the materials I needed to work from home. I was told to pay using XXXX and XXXX. Again I was worried but since I was told everything was fine I went on with it and also I was thinking maybe is because they are working from home due to the pandemic. And I had checked that there was a website for XXXX so I did the transactions. Now my accounts are frozen with TD Bank. And my phone was hacked. I even had a cd account because I am thinking of my future and those of my immediate family. I am so passionate about securing a future for myself if I need money for the future that because I could I invested in writing a book and getting it published. Future sales would mean future money just case things go wrong. Now I find myself not being able to pay my bills and the people from TD Bank are playing games with me, I've been on the phone so many times, to branches, and all for nothing. I just don't know what to do anymore. I don't want to be homeless or have my services shut off. I need help. I even provided a police report and copy of an email to the TD Bank on XXXX XXXX in XXXX, Massachusetts. They were nice. However when I had an appointment at the TD Bank on XXXX XXXX in XXXX, I was mistreated. Drove there for nothing and a person said they had made an error in giving me an appointment and she was correcting the error. All this from the other side of the door. No courtesy at all.
Consumer complaint received 2021-08-02
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. (FL)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2020-11-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

1. My mortgage is current, as of XX/XX/2019, but the monthly statement still shows that I am one payment behind.

2. Mortgage Amount always is paid on time, but is placed in 'Suspense ' each month. 

3. Administrative fees of {$37.00} is charged each month.

4. Can't work to get it resolved as they do not return calls nor do I have a specific department or person assigned to my account. 

5. Original records transferred by XXXX XXXX XXXX to former Bayview Loan Servicing, now Community Loan Servicing ( same company, different name ), contained errors such as the following ... 

5a ) Incorrect property tax owed when it was paid in full, on time.

( Proof was submitted ) 5b ) Incorrect property insurance amount owed when it was fully paid and on time.

( Proof was submitted ) 5c ) Forced Escrow - however the Property Tax was taken out after my first complaint.

Bayview prepaid the home insurance ; it is now included in the payment amount.
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 ( XXXX ) and on XX/XX/2020 ( Transunion ) and on XX/XX/2020 ( XXXX ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, thus account is reporting inaccurately on all credit bureaus including wrong dates and I am not responsible for this account. Debtors nor the credit bureaus did and could not verify this Inaccurate XXXX  XXXX. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately because i reached out to the court system and they verified they are not the one reporting this Derogatory the credit Bureaus are acting on their own In Accordance with the fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX has violated my right 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against BYL SERVICES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX. notify creditors XXXX. police report XXXX. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/2022 my nephew tried to cash a check I sent from a XXXX account that I am Trustee over. 
In fact I sent XXXX checks, one from the account of my deceased mother and one from my deceased father, both under XXXX trust. He attempted to XXXX XXXX of the XXXX checks. The checks were written on XXXX XXXX accounts. Each check was for {$6000.00} for a total of {$12000.00}. He attempted to only XXXX XXXX. XXXX XXXX located in XXXX called me twice. Once to verify the account information and the last call explained they needed a three way call with the XXXX store, XXXX and me to verify how much the account had in the account. I said that they only needed to verify the account had sufficient funds to cover the check and the balance in the account was not their business. I feel this was fraudulent to find out how much total was in this trust account. I declined. I think it was either ignorance or a fraudulent motive. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX ( XXXX ) XXXX
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am the the consumer and a natural person. Consumer reporting agencies are violating my rights according to the FDCPA and FCRA. They are not reporting an accurate report. Reporting false and misleading information. Ruining my reputation. Stopping me from doing business with other companies. The consumer reporting agencies are still showing accounts on my consumer report that have been deleted.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby XXXX. I as that you please remove all these false misleading inquiries from my credit report so I can began to repair my creedit and eventually get my XXXX  a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose.

15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XX/XX/XXXX 2.ONEMAIN XX/XX/XXXX 3.ONEMAIN XX/XX/XXXX 4.XXXX XXXX  XXXX XX/XX/XXXX 5.XXXX  XXXX XXXX XXXXXX/XX/XXXX 6.XXXX  XXXX  XX/XX/XXXX 7.XXXX  XX/XX/XXXX 8.XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX  XX/XX/XXXX
Consumer complaint received 2021-08-02
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. (NH)

I am filing a complaint against XXXX XXXX XXXX  including credit bureaus Equifax and XXXX. This account is not legitimate or has not been reported properly under FCRA. This needs immediate attention and all creditors and bureaus should be fined, and disciplined for their willful neglect to my financial situation. As a senior citizen, I am not pervy to all new forms of technology. However, I do know all credit validations are responded in USPS but I have received nothing.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

Citibank paid the sum of {$1700.00} ( transaction ID : XXXX ) to my bank account ( XXXX ) on XX/XX/2022. The fund couldn't be claimed by my bank within the specified time per the wire instructions, so it was reversed ( or so I was told by my bank ). I have been trying to get Citibank to re-initiate the transaction without success.
Consumer complaint received 2022-08-20
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. (LA)

Ive had term oil & hardship from these inaccuracies on my credit. 
The open & close dates are wrong & its still reporting a balance all of which is against the law
Consumer complaint received 2021-02-11
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. (CA)

i submitted a complaint to all 3 credit bureaus on XX/XX/2020 about the inaccurate and incomplete of my accounts that need to be delete. one of the three in this case XXXX did corrected the mistake by deleting the incomplete account. XXXX and TRANSUNION did not, i am still sending them and proving to them about the inaccurate accounts that they are reporting but keep giving me the same response that they have verify but i don't understand what they have verify if i am sending proof that the information that they are reporting is incomplete. please help since they are not taking me serious.