davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Sir or Madam, I added a new credit card, the XXXX credit card for my recurrent payment at {$59.00} for my XXXX XXXX bill. Somehow, the old credit card, the Capital One Quicksilver Card still charged me for {$59.00} for XXXX, after talked to the customer service, Capital One credited me {$59.00} on XX/XX/XXXX and XX/XX/XXXX. I had no clue why they had credited me twice. But XXXX billed me at {$110.00} on XXXX ( $ XXXX $ XXXX {$110.00} ), I paid this {$110.00} with XXXX XXXX XXXX I think I cleared all the money I 've received from credit on XX/XX/XXXX and XX/XX/XXXX but somehow Capital one re-billed me at {$59.00} again on XX/XX/XXXX, but I already cleared this payment with XXXX. I 've called Capital One customer service, but they said this case is closed. how can Capital one re-bill me " another {$59.00} '' for XXXX? I explained to the Capital One customer service, they said because I have to pay them back the money credited to me, but the thing is I 've already paid to XXXX with XXXX card. I made the phone call to Capital One customer servie today XX/XX/XXXX, XXXX and talked to the customer service and he transferred me to the supervisor, his name is XXXX, the ID is XXXX. He wanted me to talk to XXXX or XXXX, I keep explaining to him, I Paid this bill already but Capital One still wants to bill me and I can not dispute this {$59.00}. Therefore I only can make the complaint to BCFP.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

I have two credit cards with SYNCHRONY BANK : A CARE CREDIT AND XXXX  CREDIT CARDS. THE ADDRESSES ARE THE SAME : XXXX XXXX XXXX XXXX, FL-XXXX, ( XXXX ) XXXXSYNCHRONY BANK REFUSES TO REPORT MY ACTUAL PAYMENTS I MAKE PER MOUNTH FOR EACH OF MY TWO CREDIT CARDS. SYNCHRONY BANK REFUSESTO REPORT THEM INTHE BALLANCE HISTORY AND PROVIDE THEM EVERY MONTH TO THE THREE CREDIT BEAUROS.

This is a violation of the FCRA.

Bellow I copy the data I have on my Equifax credit report. The actual amount is missing! None of the information/balance/ minimum due amount is correctly provide to XXXX and the other two bureaus. The same problem is with my XXXX XXXX XXXX credit card where my actual payments are not reported. ( see copy below ). 

XXXX XXXX XXXX XXXX, FL-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$3600.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$8000.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$3600.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : {$150.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : 3 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Charge Account Date of First Delinquency : N/A Comments : XXXX XXXX XXXX XXXX XXXX, FL-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$860.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$3000.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$860.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : {$25.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : N/A Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Charge Account Date of First Delinquency : N/A Comments : As you may see, Actual Payments are not included, the balance history is incorrect. All of the above reporting is a violation of FCRA
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do, only sent me a letter saying the account was verified.
Consumer complaint received 2016-09-30
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In the spring of this year I received a call from my currant mortgage company, Citizens Bank, telling me I could refinance my currant loan for a lower interest rate. I have had my loan with them for aprox. 8 years. I told them yeah great. I went through the whole process and received a call for someone to come and do an appraisal and when I gave them directions and told them it was a double wide manufactured home I was called and told I could not get the loan. Now they are the ones that gave me my loan 8 years ago and now I am not good enough to redo it!!!!!
Consumer complaint received 2018-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

I ordered some items by mail on or around XX/XX/2018 with my XXXX store card. I received an alert with the XXXX credit Bureau that an hard inquiry had been made against my credit. The evine card had large credit limit and was open in good standing. I don't know why they felt they had to check my credit. I would of preferred that they contact me or not honor the order if there was going to be a problem. I called and spoke with an unknown representative about a week later and was assured that the inquiry was going to be removed to no avail. I would just like the inquiry be taken off since I already had the card. There was no need to place an hard inquiry against my credit.
Consumer complaint received 2016-05-31
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Santander Consumer USA Holdings Inc. (NJ)

I have received several calls in regards to an account I co signed on for a friend that was ultimately charged off after non payment. I was told that the people calling were with a law firm but would not state where from. I did not receive names either. I was only told to get ahold of Chrysler capital and begin to make payments or legal action would be taken against me and I was assured I would go to prison, I was told I would serve " a dollar for every day '' I owed. I dug deeper and I came to find out that my account has not been sent to a collection agency. So who else other than Chrysler Capitol would be calling me saying these things? Who else has a motive? I am in XXXX and am very sick and living off social security wages and am barely making ends meet. I have received roughly XXXX or XXXX calls in this manner. It is too much too handle.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (NY)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

Federal Law gives me the right to notify XXXX.of errors regarding the servicing of my loans which resulted in the foreclosure of my property. The " ASSIGNMENT OF THE DEED OF TRUST '' a total of XXXX with number XXXX recorded in the XXXX XXXX County Recorders Office XXXX XXXX on these dates : XX/XX/XXXX Doc # XX/XX/XXXX-XXXX and XX/XX/XXXX Doc # XX/XX/XXXX-XXXX and XX/XX/XXXX Doc # XX/XX/XXXX-XXXX. These Assignments are " VOID '' as determined by the XXXX Supreme Court case XXXX. I am requesting thatXXXX XXXX provide me with their accounting of this loan and copies of the Assignments.
Consumer complaint received 2024-09-02
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. (CA)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Affiliated Acceptance Corporation (AZ)

I signed up for personal training. Because of inappropriate behavior and the company 's not being able to provide me with a trainer/missed workouts, I wanted to get out of my contract. I contacted the XXXX XXXX XXXX headquarters. They refused to let me out of the contract. I filed a XXXX complaint and the resolution was that I would have to do a 25 % buyout of my contract. I was then put in touch with an XXXX XXXX. I made the payment to him ( I have included a receipt ). I was then contacted by a company called AAC that started harassing me nonstop about owing them XXXX dollars which was more than what the contract was worth when I stopped working out! They have been sending me harassing emails, letters and phone calls about a phony XXXX dollar debt. They have also threatened my credit score.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had both personal and business bank accounts with Fifth Third Bank XX/XX/XXXX and XX/XX/XXXX. The accounts were closed XXXX XXXX. In XXXX XXXX I began receiving phone calls to my business phone from XXXX XXXX threatening a law suit if I did not settle a past due balance with Fifth Third Bank in the amount of {$360.00}. This was the first notice I had received of the balance. Fifth Third Bank in 5 years had never tried to contact me concerning the supposed open balance. XXXX also called my wifes business phone threatening her with a law suit. At no time in the phone calls did they ever prompt me that " this was an effort to collect a debt ''. I would like to file complaints against both Fifth Third Bank and XXXX regarding this failure to comply with the Consumer Fair Credit Act.
Consumer complaint received 2018-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (PA)

Contract Callers placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Contract Callers to remove incorrect information off my credit report. More importantly, Contract Callers are in violation of FACTA section 623 ( A ) ( 7 ).
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NC)

Since Seterus, Inc., has taken over my home mortgage I have had repeated problems with them managing, handling and providing me requested information and documents. I also feel they have, in part, violated the Real Estate Settlement Procedures Act ( RESPA ), 15 U.S.C. 1679-1679j, as noted below.

Below is a list of several problems in which I need your agency to assist me with if possible.

Issue Complaint 1 Failure to update my mailing address to reflect XXXX XXXX XXXX, XXXX, NC XXXX. 

# 2 Failure to provide me a copy of my original loan documents.

# 3 Failure to provide me a copy of my escrow statements for the last 12-months.

# 4 Failure to provide me an account payment history for the last 24-months. I contend that Seterus is charging me {$19.00} a month late fee claiming I am a month behind in payments. My records indicated my account is current.

# 5 Failure to process my request for an escrow account closure since I do qualify.

# 6 Violation of the Real Estate Settlement Procedures Act ( RESPA ), 15 U.S.C.

1679-1679j : 1. A consumer must receive an initial escrow statement which itemizes the estimated taxes, insurance premiums and other charges, if any, anticipated to be paid from the escrow account.

2. During servicing of a loan, the servicer must send a consumer an annual escrow statement summarizing the activity of the escrow account 3. If a consumer is charged an excessive amount for an escrow account or required to put extra money into an escrow account above the amount required by law.

ISSUES 1. My mortgage payment is {$710.00}, {$190.00} ( principal ), {$300.00} ( interest ), {$220.00} ( escrow ). However, Seterus has been debiting from my account and extra {$19.00} for the past several months for a late fee, I do not owe.

2. In XX/XX/XXXX, my mortgage payment went to {$920.00}, {$190.00} ( principal ), {$290.00} ( interest ), {$430.00} ( escrow ). NO NOTICE WAS GIVEN TO ME.

3. I have been advised I will continue to pay this escrow amount until XX/XX/XXXX. 
This is an excessive amount. My property taxes have remained {$2600.00} for the past two years, my insurance payment {$810.00} per year.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Reference ID : XXXX My name is XXXX XXXX and my account was limited {$420.00} I was advised Any money in my balance will be held for 180 days, after which an email with instructions about transferring your money. I haven't received any emails. I tried withdrawing funds and it will not allow it.
Consumer complaint received 2018-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (VA)

I have a home on XXXX XXXX, Florida. XX/XX/XXXX house was hit by tree and then hurricane. My insurance company is XXXX. It is now XX/XX/XXXX. My insurance company finally after over a year of fighting and attorneys from both sides involved settled out the claim. because Suntrust is our mortgage company the monies went to them. My first contractor that did demo put a lien on the house until Suntrust paid them in full. it was very difficult to go through their website to work with them. They required emense documents on the claim and even though we settled out of court XXXX attorney with our personal attorney they struggled to accept that we do not have an adjusters report for the damages because XXXX made multiple mistakes during the process. We do have the settlement docs and so Does Suntrust. 
We are back to trying to finish the house and make it livable. i have been trying to schedule final inspection and it has been cancelled numerous times by Suntrust because they are unwilling to find another Independant Inspector to go to XXXX XXXX. they refuse to schedule during regular working days Monday thru Friday XXXX. Without the inspection they will not pay out the balance of the claim to the Contractor. 
Suntrust has treated us terribly on this. The stress involved in getting Suntrust to release money and pay out contractors has been more than homeowner should have to go through. I reminded Suntrust that the money they received, about {$380000.00} worth came from my insurance company for the damages to my house and it seems very suspect that Suntrust does not want to make the process easy. Thank you.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Herbert P. Sears Co., Inc. (TX)

I'm writing regarding a collection entry from your agency on my credit file. This entry is concerning because : 1. I was not previously informed about this collection.

2. I have serious doubts about the accuracy of the claimed debt.

As per the Fair Debt Collection Practices Act, I formally request : 1. Full validation of the debt in question.

2. Appropriate actions to address this issue.
Consumer complaint received 2024-10-07
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: Upstart Holdings, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (IL)

Continue case # XXXX. CHASE has failed to answer my statement that I phoned CHASE on XX/XX/2015 to block all charges from XXXX, and CHASE had promised me. But on XX/XX/2015 CHASE accepted a charge of {$360.00} from XXXX, and have me to pay for it. I denied this charge because XXXX had failed to provide good services to me.
Consumer complaint received 2018-11-14
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. (TX)

Equifax shows a credit card account which is not mine. The account shown by Equifax is : XXXX XXXX XXXX, reported as opened XX/XX/2012, and with a current balance of {$10000.00}. 

I have never had, nor been associated with, a credit card account from XXXX XXXX XXXX opened on XX/XX/2012. Despite numerous calls to Equifax, and further attempts to remove this incorrect information, they have not done anything to remove this fraud. This incorrect information is causing me considerable damage to my credit reputation and needs to be removed pursuant to the FCRA, which states that only correct information be reported to a credit file.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In XX/XX/XXXX I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to the XXXX bureaus in XX/XX/XXXX 's correspondence dated XX/XX/2016, under FCRA 605B ( 15 U.S.C. 1681c-2 ) which states that bureaus are to block all fraudulent items within 4 days of receiving a ID theft report. XXXX of the bureaus duly complied and blocked the information within 4 business days. However your bureau instead treated my case as a regular dispute and put my file through the 30 day dispute investigation process and thereby you refused to accept my ID theft report and refused to block the information. This is a blatant violation of my rights FCRA.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NV)

I used Discover 's Pre-Approval form to see if I had any pre-qualified offers. The form clearly states " See if you're pre-approved with no impact to your credit score '' and the fine print states " There is no hard inquiry to your credit report to check if youre pre-approved. If youre pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants can not be pre-approved for the XXXX Discover Card. '' I only checked to see if I was pre-approved, and did NOT apply for any card itself, nor did I authorize to apply for a card, yet I received a HARD inquiry on my XXXX credit report.
Consumer complaint received 2017-02-02
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (TX)

My refinance with Freedom Mortgage started XXXX XXXX, XXXX and was on schedule to close by XXXX XXXX, XXXX. XXXX XXXX contacted me with a notice of incomplete application on XXXX XXXX, XXXX and we talked about documents that were suddenly required. Certain documents were not fully explained to me like the XXXX, I was told I could get a 15 year loan and only pay {$25.00} more than what I am paying now, which turned out to be a total lie, and emails back and forth between XXXX and I were unproductive because she would not answer my questions. Over 2 weeks I fought to get the documents to XXXX, and my email was not working properly and I was not given any other alternative to try to get the documents to her. Her assistant XXXX was short with me and would not originally give me XXXX email address and I had to call the following week, XXXX XXXX, XXXX, and get it from someone else. Around XXXX XXXX, I had no update on my loan so I called and complained and my loan was transferred to another officer. The importance and ins and outs of a couple additional documents needed that I knew nothing about, were explained to me. However, now on XXXX XXXX, XXXX, I receive another notice of incomplete application stating that we need to " post XXXX payment to satisfy aging requirement ''. I left a message with the loan officer because if that means we have to pay XXXX AND XXXX before we can close, this is ridiculous. We have NEVER missed a payment on our mortgage. We had to cancel our XXXX vacation because we were looking forward to having that skipped mortgage payment, and were hoping to take the vacation in XXXX, the only other month we can get away this year, and now they are pulling this? When we refinanced in XXXX, it was fast and easy. This has been a nightmare, stressful, dissapointing, and angering. I believe XXXX and XXXX 's attitude and lack of care, help, and concern have ruined our chances of getting this refinance done in a timely and orderly manner.