davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DE)

There is an unauthorized inquiry made by XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX. Made several phone calls and filed and official dispute. Advised to call to creditor who has no record of inquiry. Bureaus refuses to remove inquiry.
Consumer complaint received 2024-11-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Albert Corporation (TX)

I tried to close my XXXX account via the app. i went through the questions and when i got to the end it said it popped up an excuse as to why i couldnt close it and instead charged me {$15.00} an hour later for a monthly subscription
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

Since the end of XXXX and early XXXX I have periodically received notices of collection attempts from XXXX through various agencies. Each time I have disputed the information with XXXX, through the credit bureaus, and to the collection agency. The account which XXXX has sent to collections never belonged to me and they confirmed that. It is still unclear how my social security number was attached to the account in question but the name on the account and the address associated with it was entirely unrelated to me. 
While I did use XXXX 's services in the past, I have proof that all accounts were closed at my request and entirely paid in full. I have not used XXXX since XX/XX/XXXX/XX/XX/XXXX. 
The collection mark has been removed and then re-placed multiple times resulting in drastic swings in my credit score as well as causing me hours of repetitive work fighting to remove the derogatory mark off of my credit report. 

Please contact for further details and proof.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

EXPERIAN is breaking the law, the account named XXXX XXXX that appears on my credit report has the wrong creditors name, the account was sold to a different lender and I disputed this account with them telling them about this problem, I also told Experian to either fix the problem or delete the account since it is not 100 % accurate. XXXX XXXX  does not own the XXXX XXXX account any longer, I know this for a fact because I have contacted them about it. Every single time that a dispute is opened on this account, Experian updates the account, I want Experian to follow federal law and stop lying to me about contacting the creditor and saying that the account was verified as accurate, when I know that is not true. Either Experian deletes the account or I will contact an attorney so that I can get this matter resolved. What Experian is doing is not right, they are lying and that is illegal and corrupt, do your job Experian, youre supposed to help me as the consumer and not lie about anything, I know that you people get paid for reporting information but common.
Consumer complaint received 2020-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

To whom it may concern, In XXXX of XXXX, we applied for a mortgage with Harris Bank, now BMO Harris. 

1 ) The loan origination process was full of errors and inaccurate appraisals were used by the bank. 
a. Functional Utility : All properties were Average Utility yet the comps were all adjusted by {$3000.00} up which shouldnt be. 
b. Gross Living Area : The square footage on all three comps was taken from the assessor, except for the property. Adjustments are inaccurate. The appraiser adjusted approximately {$50.00} a square ft the box for public water is checked, the house is on well water Age of comps. Most comps are within 6 months- Some of comps used are over a year old. 
Information does not align with assessors office for property as stated in comp. 

Breach of Contract and Inaccurate interest rates : The loan was signed on XX/XX/XXXX in the amount of {$530000.00} with interest only for 3 years and an adjustable thereafter. In XXXX, the loan did not convert to Principle and Interest per the schedule. We inquired with the bank and no one would answer or respond to our inquiries. I made numerous attempts to try to get the bank to respond to why the loan did not convert per the note. In XXXX, my daughter made a contact with one bank VP through XXXX to try to get some additional attention. At this point, the loan had not converted after nearly 4 years. In XX/XX/XXXX, that bank VP acknowledged that the loan was not serviced properly and applied a " temporary fix '' ; a fixed P & I rate for 1 year and a discounted rate thereafter. The bank has admitted to multiple other errors on this loan including charging inaccurate interest rates, having to make multiple adjustments and issuance of checks to my husband and I with little to no explanation or support for their calculations. 

In XXXX, we finally reached someone with BMO after additional filings with other agencies who referred us to the CFPB. The contact provided all of the support to evidence the breach of contract and acknowledged the breach. They offered us a fixed rate mortgage at 4 %, only if we sign an agreement waiving all acknowledgements of the bank 's breach of contract by failure to convert this loan to P & I in accordance with the note along with any other errors. This breach of contract has cost my husband and I approximately 60K and years of time and effort to try to get someone to acknowledge there was an issue.The bank argues that we could have paid more, above our owed interest amount, however why would we pay more if we know our payments are not applied correctly and we can not obtain statements from the bank with principle and interest due. 

Summary of note issues : -Breach of contract- loan did not convert to P & I in accordance with note -Inaccurate interest rates charged- XXXX, XXXX -Errors in transaction history resulting in inaccurate XXXX, causing customer to refile with accurate rates.
Consumer complaint received 2020-02-05
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. (TX)

I used my Citi DoubleCash credit card to purchase tickets from XXXX on XX/XX/XXXX in the amount {$890.00} to the XXXX XXXX XXXX XXXX in XXXX Texas ( billed as XXXX XXXX XXXX XXXX CA ). The event took place on XX/XX/XXXX. 

Upon arriving at the venue and proceeding to my seats I found that they were obstructed by on overhead seating section overhang, and by a large support beam directly in front of the seats. I was not able to view the game. 

I contacted XXXX and they said that all sales are final and they do not give refunds. 

I opened a dispute with Citibank and they proceeded to close the investigation without obtaining any further evidence from the merchant. I mailed them evidence of my purchase and the seating obstructions which were not listed in the sale. I included an email receipt, the seating map provided by XXXX, and photographs of the obstructions from the seats. 

After submitting this evidence, Citibank responded that We are unable to proceed with this dispute because you accepted and used the service after learning that the accommodations were not what you originally agreed upon. While we can understand your desire to obtain a credit to your account, we can not mandate that the merchant issue a credit. Our investigation remains closed. 

I do not accept that the service/goos were delivered as agreed when I purchased then. It is not possible to know that my seats were obstructed and therefor not what I originally agreed upon until after I had entered the venue to take my seats. I do not accept that there is no recourse that Citibank can take on my behalf. 

Please help me resolve this issue by insisting that Citibank reopen the dispute and request a chargeback to XXXX for the goods/services that were not as agreed upon. 

Thank You!
Consumer complaint received 2020-02-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (IL)

Although this debt was discharged in bankruptcy, we have continued to pay the debt to Shellpoint Mortgage Company. Recently, we were a little behind and they reported this loan to a consumer reporting agency as delinquent. 

When I called to resolve this issue, I was transferred to the " bankruptcy department '' and placed in a system which requested my mailbox number???? Surprise, I don't have a mailbox on their system. Additionally, or perhaps I should say secondarily, the 'system ' said that if I did not have a 'mailbox number ' then I should leave a message for the person who I was calling for in that department. Since I don't know anyone in that department, I could not leave anyone a message and had no alternative except to hang up and call back, wait forever and go through the entire process all over again!
Consumer complaint received 2019-07-09
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)

This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

5/3rd Bank allowed {$4000.00} to be stolen from our account and refuses to honor our claim. Multiple thefts occurred from XX/XX/18 through XX/XX/18. We filed an original claim and that was denied, a dispute letter was filed and also denied. We just recently filed a complaint with XXXX XXXX XXXX. 5/3rd bank promptly responded to XXXX  with the same excuse. 5/3rd bank claims the thefts were made using a card with electronic protection or PID #. Regardless of what method was used the thefts still occurred and the bank allowed several fraudulent purchases to be deducted from our account. 

NOTE : We have been a 5/3rd customer for almost 40 years. The thefts were not promptly noticed due to health issues at that time. 
Our last contact was with : 5/3rd Dispute Resolution Department ; XXXX XXXX ( Office of the President ) PH : XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX , Ohio XXXX
Consumer complaint received 2020-02-04
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: SYNCHRONY FINANCIAL (MD)

Dispute Case ID : XXXX Transaction Amount : {$6.00} USD Dispute Amount : {$6.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 I disputed a transaction from XXXX  who had two accounts from me for 10 months taking out from me by Pay pal credit. Pay pal credit refused to assist me to get my money return from XXXX XXXX. Pay pal told me that I had to get my money to return myself from XXXX XXXX. 

I called XXXX on XX/XX/2020 and they told me that I had another pay pal account and my pay pal account I paid the both of the XXXX XXXX  is the XXXX account. XXXX claims that they can't verify that I paid XXXX a month out of my pay pal account and they need Pay pal to contact them, However, pay pal refuses to assist me contacting XXXX at their request to get my refund as I am their customer. 

I want Pay pal to get all my money return from XXXX XXXX  because XXXX is abusing me and Pay pal is abusing their powers as well. Attached you will find the transactions of the XXXX accounts and payments from the pay pal accounts. XXXX owes me XXXX from the XXXX accounts. The second account XXXX I paid XXXX, therefore, I will be paying on two accounts and pay pal been taking it out. of my account.
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

On or about XXXX of 2019 someone hacked into my Payal credit account made charges on it and then requested that my account be closed. Synchrony Bank, the owner of Paypal, made not attempt to contact me regarding the closing of my account or the report of fraud. Once I realized I could not longer make charges to my Paypal account I discovered the fraudulent charges and I reported to Paypal/Synchrony that my account had been hacked and I never requested my account to be closed. Despite many messages I sent to Paypal/Synchrony to rectify this mistake by them they sent me a letter without as much as asking me a single question about the fraud and closed my account severely damaging my credit.
Consumer complaint received 2020-02-05
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

Last year I attempted to refinance my wife 's student loan through Citizen 's Bank after receiving a letter from them. The events that followed were quite disgusting and resulted in a CFPB complaint in which Citizens Bank admitted full guilt of placing my wife and myself into a program they were AWARE WE WERE NOT qualified for. They did this just to get us the advertised rate and to attempt to AVOID a CFPB complaint. My wife and I were over-qualified for the advertised rate - but unable to get that rate when applying over the phone. After Citizens Bank put us into a program we didn't qualify for ( without us being aware of this ) to get us the advertised rate - we were approved. When I received the approval letter there were some " blanket statements '' that nobody ( including people in the Office of the Chairman ) were able to explain - specifically charges that I might incur after accepting the loan. That when I decided to submit a CFPB complaint against Citizens Bank last year - which ultimately led to a TOTAL REVEAL AND ADMISSION OF GUILT in their response that they wanted to avoid a complaint to begin with and knew during the underwriting process that they were signing us up for a loan we did not qualify for. At that point I contacted XXXX XXXX and got the rate that Citizens Bank advertised to me - without a problem. To this day, I've been struggling with Citizens Bank to remove the hard inquiry from my XXXX. They've said they have submitted paperwork to remove it, but I've contacted XXXX and they've informed me that they have not received anything. I've been in constant contact with XXXX ( Office of the Chairman ) XXXX since shortly after the original credit hard inquiry on XX/XX/2019. At this point, the inquiry is still on my credit and is one of the only things tarnishing it. It should be REMOVED DUE TO FRAUDULENT BANKING ACTIVITIES which has already been PROVEN IN THE PREVIOUS CFPB COMPLAINT. Yet, Citizens Bank at this time has stopped cooperating and communicating with me. This is my last official attempt prior to civil action.
Consumer complaint received 2020-02-04
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS CLEAR TO ME THAT ALL THESE ACCOUNTS ARE FRAUD RELATED. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-02-04
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. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON MY XXXX  XXXX, XXXX XXXX, XXXX XXXX, AND XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MI)

XXXX of XXXX, I applied for an American Express gold card through XXXX XXXX and was approved instantly for {$8000.00} dollars credit limit plus cash advance of {$1600.00} by American Express. I have never missed a payment all my payment are on time and never late, than On XX/XX/XXXX I received a letter from American Express stating they were lower my credit limited to {$2800.00} which was my current balance at the time of their decision they stated it was because of derogatory public record, reported delinquency is to recent or unknown, too few accounts paid as agreed and too many credit inquiries on my report in the last 12 month none of which was true after I sent for my updated credit report nothing was found to stand up to their decision. American Express ask me to make a lump sum payment of {$1300.00} by XX/XX/XXXX ; which I've never hear of after that payment was made they said they would review my account again and they also ask me to send in a finance report of my income when that was never a factor in them giving me a {$8000.00} credit limit. They have affect my credit score negatively by putting me into 98 % utilization on this card which has impacted my good credit score by dropping it down 122 points. They refuse to rectify this situation and I have tried several times to get them to reverse this decision. I'am current with and all my creditors including American Express .
Consumer complaint received 2020-02-04
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: Experian Information Solutions Inc. (MI)

I have been a victim of Identity-theft as my personal data has been compromised by someone and used for some time now for them to open or attempt to obtain benefits from various sources over some years now. I have filed several reports previously to the FTC, CFPB and local Authorities to obtain some resolve to this ongoing illegal and unauthorized activity. I can not obtain the credit I personally deserve because of the credit others have illegally obtain under the guise of my personal identity. They have obtain Student Loans, Auto Loans, Medical Services, Housing and others financial benefits without any authority from myself and I need it to stop immediately and my good name restored.I will be seeking relief from the Attorney General Office of Michigan if this is not cleared up immediately pursuant to FCRA 605 ( b ).
Consumer complaint received 2020-02-04
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: Conn's, Inc. (TN)

Conns Appliances INC shows two 30-day late payment on my account which completely wrecked my credit score and is impacting the ability to house my family. I have had a stellar payment history with Conns and dutifully paid my account online everytime via their Webportal until I had an issue making payment via the portal and contacted support which told me that the portal had changed. This negatively impacted my payment because I always paid at the very end of the month and the delay caused my payment to be counted as late. My next payment was also impacted because my card was compromised and canceled by my bank which caused my autopay to not go through. Once I became aware I immediately corrected the issue and made payment but Conns still counted it late. I have paid off the account entirely and wish for my 30-day lates to be removed immediately.