davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Santander owes me a {$220.00} bonus as of XX/XX/XXXX : Here 's the ad : https : //www.santanderbank.com/us/pages/personal/checking-accounts-acq? XXXX & utm_medium=XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX Here are the steps to get the bonus, per the ad : 1 ) Open a new and eligible checking account by XX/XX/XXXX using the unique promotion code shown on this page after you provide your name and email address. 
- I opened my account on XX/XX/XXXX 2 ) Have direct deposits totaling {$1000.00} or more post to the account within the first 90 days, starting the first business day after opening the account. 
- I had a direct deposit of {$1100.00} on XX/XX/XXXX 3 ) Keep your account open for at least 90 days and open at the time of the payment. 
- 90 days from my account opening is XX/XX/XXXX 4 ) Get paid! Once you have met these conditions, and your account has been open for 90 days, your {$220.00} bonus will be paid within 30 days. 
- 30 days after that is XX/XX/XXXX I phoned Santander a few days ago and they created inquiry # XXXX but they never solved the problem.
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

My issues revolves around proper payment processing with Citizens Bank out of XXXX In XX/XX/2022 I made 2 in full monthly payments, then another in early XXXX My goal was to stay one month ahead on my payments. Citizens took my second XXXX payment and applied it was " principle only '' payment. Yet, they did not apply 100 % of that payment to principle, thus taking out interest. I called in XXXX and questioned it and was told that due to their payment processing system, they can not accept full payments in advance. They offered to reply my second XXXX payment for XXXX and then took my XXXX payment as " principle only '' and took off Interest while applying. Then they applied my XXXX to XXXX, which should have been XXXX XXXX payment. And then on XXXX, i get an invoice due in XXXX XXXX?? I am literally fighting with them for prepaying a full payment amount. How does a Bank get away with taking interest out of a " principle only '' payment? If they they applied 100 % to principle, I get it, but when they take interest out, it is the definition of a monthly payment. And how can a Bank not accept full payments to pay the account ahead, especially in such uncertain economic times as today? Again, all i am trying to do is responsibly pay my account ahead. All full payments are accounted.
Consumer complaint received 2022-11-20
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. (TX)

Recently, I did an investigation on my credit report which caused sever XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

During Covid I applied for a forbearance with my mortgage company since my husband was no longer working. It was granted. When we were ready to resume payments, I called and let them know, but they told me I had to pay the total amount upfront ( at the time about XXXX ) and I told them I couldn't afford that, but that I wanted to resume regular payments. We went in circles with them telling me I had to pay the full amount upfront, but that they would refer us to someone who could help us ; then they would hang up on us ( we have recordings of the conversations ). This went on multiple times over the course of a couple of months until my husband was finally able to speak with someone who said they would just extend the length of the mortgage for the overdue amount. We received the paperwork for this amendment, however, they blocked my online access to my account and thereby prevented me from paying my mortgage ( I have screenshots ). I managed to make 2 payments via the phone where each time I had to wait 20 minutes to speak to someone who once again told me I owed the full amount. I repeatedly called them over the next couple of months to try and get them to restore access to my on-line account so that I could pay my mortgage efficiently and timely, however they refused to re-instate it. They would hang up multiple times when I would ask to be transferred to someone who could help me. This is deceptive business practices and I do believe they want to foreclose on the house rather than resolve this issue.

Thank you!
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TN)

Lowe 's Credit Card issued through Synchrony Bank began charging me for " Card Security '' without my knowledge beginning XX/XX/2022. 

XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$67.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$69.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$67.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$66.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$65.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$64.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$64.00}
Consumer complaint received 2023-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MO)

Submitted complaint on or about XX/XX/23 it has been over 30 days and I have not received a written validation/ contract containing my wet ink signature ( Failure to transmit statement 1637 ( b ). XXXX XXXX and Caine and weiner are in violation. Both entities are in Default and Dishonor.
Consumer complaint received 2020-12-06
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 (NC)

A dispute was initially filed on a {$330.00} purchase made on XX/XX/XXXX. We placed a dispute on the amount on on card on XX/XX/XXXX when statement was received by email on XXXX from AMEX.. AMEX opened up an investigation on the dispute. On XX/XX/XXXX by US Mail AMEX indicated the charge was made by telephone and only sent us a Credit Sale printout with no details on the purchase. We do not know how they got our zip codes, XXXX codes and 4 digit codes off the card. AMEX reinstated the purchase made on our account and is expecting payment on this amount. I Have asked AMEX on todays date XX/XX/XXXX to reopen the investigation.
Consumer complaint received 2020-12-05
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. (NC)

On XX/XX/2020 a collection popped up on my Transunion credit report. It is not mine. They removed it in two weeks after filing the dispute. On XX/XX/2020, the same collection popped up again. I disputed it. Transunion sent back saying the information was accurate without showing me how or why is what accurate. This is not my collection, I have never had a collection, and the gross negligence by Transunion is now affecting me personally and my family as we are trying to purchase a house during Covid-19 and Transunion is the complete reason why it is not going through.
Consumer complaint received 2022-07-12
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. (IL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Balance : {$970.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (UT)

I made two payments through my banks bill pay one for {$1200.00} and one for {$300.00} to my XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/2022. Payment was made through XXXX XXXX XXXX XXXX. Comenity took my money but has not credited my account for the payments. I sent them receipts from my bank, proving that I made the payments. They refuse to remedy this, despite repeated emails. They put me on hold every time I call, then after XXXX minutes, I am disconnected. They have some lame excuse about a systems upgrade on their web page. I notice on social media they have been flooded with complaints. I cant even reach someone to close my account. Its infuriating! If theyre not going to post my payments, I want my money back!!!!
Consumer complaint received 2020-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I have a HSBC Premier Checking account, which was opened under a HSBC promotional offer in XX/XX/2020. Based on this offer, if I have more than {$3000.00} direct deposit to my HSBC Premier Checking account every month, then I will receive {$60.00} bonus each month. Since I opened this account in XXXX, every and each month I have met the direct deposit requirements. Over the past few month, before the last day of each month, I received the {$60.00} bonus posted to my checking account. However, for XXXX, the monthly bonus posting was delay to XX/XX/XXXX. For XXXX, today is already XX/XX/XXXX, but I still have NOT received the {$60.00} bonus yet. 

I contacted HSBC customer service by email, but they completely ignored me without any response yet. 

I request HSBC to post the $ XXXX  monthly bonus to my checking account immediately, which was supposed to be posted to my account by end of XXXX.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (TX)

Payment was lost by the previous property management company before they switched over. The new company filed an eviction. Payment was reimbursed and reissued. 

My submission to CIC : 1. Proof of payment OVER judgment amount. 
2. I still live here, so I wasn't evicted nor was a writ of possession issued. 
3. Notice of NonSuit. How can BOTH the LANDLORD and JUDGE sign off on a court document, and it STILL not suffice for CIC? 

The actual sealing/dismissal of records per the court can take months. That is why the COURT advised me to submit this paperwork to the screening agency. 

CIC Response : " REGARDING YOUR HOUSING COURT DISPUTE CIC has contacted the furnisher of the information and have completed our reinvestigation of the disputed information. We have determined that the information originally reported is accurate and complete, based on current information provided by the court. Based on current information provided by the court, records show judgment in favor of the plaintiff for case XXXX. 



You will need to contact XXXX JP XXXX COURT TX - Civil Division to petition the court to have the information sealed and/or dismissed. Should you have further questions, you may contact the court directly. ''
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. The items on my report are in violation of the FCRA. There are unauthorized accounts and inquiries on my credit report. There is also accounts that have late payments that are inaccurate because I have always paid them as agreed. These are in direct violation of the FCRA.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (KS)

I filled a dispute regarding my XXXX XXXX XXXX account and they agreed to delete/remove it from my credit report. This company RESURGERECVE, is trying to collect on an already settled account. I need help to resolve this issue please. Thank you very much.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to dispute a collection item that appears on my credit report from XXXX XXXX XXXX XXXX. I have reviewed the details of this item and found several discrepancies that need to be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The discrepancies are as follows : Account Number Discrepancy : The account number listed on XXXX is XXXX, while on XXXX it is XXXX. This inconsistency XXXX indicate a reporting error. 

Original Lender Name Discrepancy : The original lender 's name is listed as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX. 

Collection Agency Name Discrepancy : The agency name is listed as XXXX XXXX on XXXX and XXXX XXXX XXXX on XXXX. 

Absence of Information on Equifax : There is a considerable amount of information missing on Equifax, including account number, original lender, agency name, and balances. 

Current Balance Discrepancy : The current balance is only reported on XXXX as {$12000.00} and not on XXXX or Equifax. 

Different Status Listings : The status listed on XXXX is Unrated or bankruptcy while on XXXX it is Account seriously past due date/account assigned to attorney, collection agency, or credit XXXX 's public collection department. 

I am requesting that you conduct a thorough investigation into these discrepancies and correct or remove the inaccurate information from my credit report. 

I look forward to your prompt attention to this matter. Please update me on the status of this dispute within 30 days as required by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I SENT TO XXXX XXXX TO REQUEST VALIDATION OF THE ACCOUNT AND THEY SEND ME BACK JUST A COPY OF THE TRANSACTION AND THE AMOUNT WITH NO SIGNATURE AS I REQUESTED IN MY VAILDATION LETTER TO SHOW THAT I OWE THIS DEBT WITH MY SIGNATURE AND THAT WAS NOT THE RESPONSE I RECEIVED. IT IS BEING REPORTED ON ALL 3 CREDIT BUREAUS AND THAT IS AGAINST THE FCRA LAW TO REPORT SUCH IF CONSUMER BARES NO SIGNATURE OF BEING RESPONSIBLE FOR SUCH TRANSACTION. I REQUESTED A VAILDATION 3 TIMES AND THEY FAILED TO SEND ME ANYTHING WITH MY SIGNATURE STATING THAT I AM RESPONSIBLE FOR THE ALLEGED TRANSACTION.
Consumer complaint received 2023-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas) (KS)

So I believe in XXXX, there was a debt added to my account from a hospital in XXXX, or clinic. 
Not sure if it was for my kids, myself or ex-wife. 
We all had insurance then and I had state insurance, XXXX XXXX  and XXXX XXXX at the time. 
I'm XXXX, I went through a divorce and was removed from my house. Living in a tent for awhile. 
When I was able to get everything in my life steady from the divorce. I was wanting to build my credit and noticed a XXXX collection on my bill. I never received any bill or collections papers. 

I then tried to call the hospital that I had supposedly accrued my debt from but they said they changed their name and ownership. Billing was unable to find any information about it. And couldn't provide me anymore information. 

I tried disputing this debt. Several times over the years. One day, I called the debt collector and was left on hold for almost and hour while they chatted and spoke I'll of others. I recorded the whole conversation and still have it but when they hung up on me after being on hold forever. I called back and told the lady I was trying to dispute a claim. She tool my info and I still have never heard anything. I even provided them with update contact info. I would like to have this removed or resolved because this is the only mark against me on my credit report and would like to have it removed. Especially since the hospital is no longer in business, but that also I have attempted numerous times to figure this issue out and I am still being ignored. 

I would appreciate any help. Thanks!
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I, XXXX XXXX XXXX am verifying that I, XXXX XXXX XXXX XXXX mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the XXXXredit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-11-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK (IL)

Midland Mortgage is purposely delaying an endorsed check of {$35000.00} which was delivered to them on XX/XX/year>. This amount was sent by our insurance company for for siding and gutters replacement. Roofing repairs, which are a part of the same claim, have already been completed with the first check of {$14000.00}. From XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> Midland representatives have provided inconsistent, misleading and false information. After numerous phone calls and escalation, it was advised on XX/XX/year> that the check was endorsed and it would be mailed out on XX/XX/year>XXXX  and was even provided with a new tracking number than the previous one provided. 
We later received a phone call on XX/XX/year> stating there was an error in the inspection ( that was performed by a Midland representative ). Midland is now stating that 100 % of the roofing, siding and gutter repairs have to be completed in order to release the funds. However, the documents that Midland requires states the exact repairs, amounts and draw schedule. I was told that there was still no available supervisor, and was transferred to a voicemail where I left a message. 

After not receiving a call back from a supervisor, I called again on XX/XX/year> and spoke with a representative who stated that there was no supervisor available but was speaking with someone who was helping her. The representative first asked what the minimum amount needed was to start repairs. After I advised that the whole amount was needed, she stated they could send {$22000.00}. I again advised that we need the full amount. I also relayed the additional damage being caused to the home, which caused Midland to give a counteroffer of {$25000.00}. I agreed to this amount because work HAS to be started as soon as possible. No one has been able to give clear, correct information about what is going on and why our funds are being held unnecessarily. 

We have submitted every piece of information that is required. Somewhere, there is a disconnect and the documentation is not being clearly read. Midland is unfairly delaying the shipping of this check, which is causing unnecessary damage to the property as we await further repairs. Again, Midland is not following their own policies.