davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-19
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: CITIZENS FINANCIAL GROUP, INC. (RI)

Hello,

This fraud took place between XX/XX/18to XX/XX/18.

The amounts total approx XXXX.

I filed a police report as per the bank's request.

Spoke with over 10 Citizens Bank reps over the phone, never get the same rep. Never received any reply from Citizens Bank.

I also sent the police report to the corporate office in XXXX, RI. And hand-delivered to the XXXX RI branch where the account was opened.

Please read below on how I arrived at filing a complaint with your firm.

What other resources do I have when my bank won't refund my money on a fraud case?

Had an ex-employee steal my business debit card and in the approx amount of  $19k  and he ran to Florida. 

My employee was working in my company while I was XXXX  for a violation in Rhode Island. He was NOT in charge of the bank account and had no concent to use my personal business account. 

I wrote a statement with the State Troopers and I feel because of my record they are not vigorously investigating my case. Then, went to my bank. 

Last I knew all victims have equal rights! 

Anyways, I have been back and forth with Citizens Bank in Rhode Island and even tho I have extenuating circumstance ( XXXX  ) and have all my paperwork showing I was XXXX XXXX during the time of this fraud they are now using the excuse I was over 60 days on reporting this fraud. 

I guess its a rule the bank has, fraud must be reported within 60 days. I never even knew about the fraud until I was XXXX My real question is, what can I do now?
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery has failed to contact the XXXX police department to retrieve the police reports in regards to this fraudulent debt. Detective XXXX XXXX notified me that there are zero request from Portfolio Recovery for case #XXXX. It is their responsibility to obtain these police report documents! They continue to report this debt anyways to all 3 major credit bureaus as 100% complete and accurate under my name anyways which is a willful and direct violation under the law.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — Store credit 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. (NC)

Dear Best Buy-Citibank:On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX store in XXXX, Colorado for pick up at the XXXX XXXX in XXXX, NC store. Payment of $XXXX was charged to my Best Buy Credit Card. Exhibit#1-Email receipt for purchase OnXX/XX/XXXXI received an email notification stating my order was cancelled due to the pickup window expiring-purchase not picked up at the XXXX XXXX, NC store. Exhibit#2-Email stating cancellation of purchase.On XX/XX/XXXX I received an email stating a refund was processed for XX/XX/XXXX purchase.To date, this refund was not processed. Exhibit#3.-Email stating refund in process.OnXX/XX/XXXX I walked in and purchased the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX, NC. Exhibit #4.-Email receipt for purchase.On XX/XX/XXXX I returned the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchased on XX/XX/XXXX at the XXXX XXXX, NC store, as the TV was not working as designed. Exhibit #5-Email receipt for refund of purchase. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of $XXXX.  To date, my credit card reflects a a charge 0f $XXXX. The only charge I should be responsible for is the amount of $XXXX which is the amount of the XXXX XXXX purchased on XX/XX/XXXX. I have not received a refund of my original purchase onXX/XX/XXXX that was cancelled on XX/XX/XXXX. I have faxed documents, spoke to several agents to no avail. I have been dismissed by agents stating there is nothing they can do.I am requesting a swift resolution to this issue as I am perplexed as to why this has not been rectified. This is clear issue of no one taking the time to review the document trail and understanding while the same TV was purchased twice both were returned. I should not be charged for an item I never had in my possession. Again, I am hoping for a quick resolution to this issue.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I traded in a lease for a new lease with XXXX XXXX  FL.  They paid off the balance of the lease in the trade in.  XXXX financed it in XX/XX/2019 . XXXX financed the old lease and the new.  The trade in balance $XXXX  that was absorbed by XXXX and paid off. We have a XXXX balance due but yet XXXX still has it on my credit till today. we have taken all measures to clear this up including a letter from XXXX and XXXX  stating there is no balace due. With over 30 calls to both institutions and sending the letters to credit agency they responded that XXXX is responsible for the reporting.  This is negatively effecting my credit rating and must be cleared immediately.
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I filled a dispute with XXXX XXXX about this capital one account ending in #XXXX the account was previously deleted by XXXX XXXX and XXXX but was reinserted 2 weeks later after the dispute was already closed. XXXX XXXX assured me that they sent over proof that i have had my information compromised before and it was documented i talked to a representative at capital one by the name of mary and she said she would help me out after i sent over proof that i have experienced identity theft on my credit profile and for the record they already have a police report and affidavit that was forwarded to them from XXXX XXXX but they still continue to report it on my credit report. I will attach the same documents to this complaint that i will be sending to capital one i will be sending these letters in the mail on XX/XX/2019 the letter will include proof of identity (drivers license social) Another notarized affidavit and police report and also an alert from XXXX XXXX sent to me on XX/XX/2019 saying it looks like my personal data may have been compromised once again. Also the account ending in #XXXX is extremely late which is affecting my score even more i have never been late on my two accounts that i have with capital one but they put a third account that belongs to someone else ruining my report .
Consumer complaint received 2019-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes (XX/XX/19) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below…ACCOUNTS	XXXX XXXX	not mine	ILLINOIS XXXX XXXX	not mine	XXXX XXXX	not minePUBLIC FILINGS	FEDERAL DISTRICT	XXXX	not mine
Consumer complaint received 2019-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

On or about XX/XX/XXXX, I incurred a debt with Care Credit owned by GE Captial Retail Bank. I received my last billing notice about XX/XX/XXXX. I made no further payments. GE Cptial Retail Bank SOLD my debt to XXXX XXXX XXXX, XXXX. The Florida Statute of limitations ran XX/XX/XXXX, I was absolved from this debt according to law. Between XX/XX/XXXX and XX/XX/XXXX, I corrected my credit issues and purchased a home with a mortgage. There were no collections on my credit report at this time. By approximately XX/XX/XXXX, XXXX XXXX   XXXX., XXXX, contacted me in an attempt to recover this debt. I filed a complaint with both Credit Bureaus. I was informed that this debt was on my credit report since XXXX, which is clearly incorrect. I have attempted to work with XXXX XXXX, without avail. This blemish needs to be removed from my credit history immediately.
Consumer complaint received 2019-08-19
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. (MS)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax and XXXX did not provide evidence. CFPB step up and delete ALL XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) XXXX,  (Original Creditor: ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-08-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (VA)

Synchrony bank placed 4 hard inquiries against me in 2 weeks. 3 were on the same day. No clue why....? They wont respond.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXXXXXX XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Consumer complaint received 2019-08-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

On XX/XX/2019we attended Foreclosure Mediation at The OAH in XX/XX/XXXX, MD XX/XX/2103, in which the neutral judge told us that we should be allowed to submit the Borrowers Assistance Form so that we can seek the alternatives to foreclosure, the judge was aware of the Sale date being XX/XX/XXXX but yet instructed us/borrowers to fill the application for Loss Mitigation assistance. So we worked to quickly submitted the completed Loss mitigation Application to PHH onXX/XX/XXXX. Then PHH said that since the foreclosure sale date was less than 37 days away they are not willing to review the application.  I understand the PHH may be in their right to decide not to review that application but then what is the help being offered to us/client? We had already submitted an assistance application when dealing with  Ocwen , the previous mortgage servicer , and they did submit the paperwork requested by fax, but they told that Ocwen never received it after many attempts. We have not been receiving mail by PHH as we never received any notice that the house had a foreclosure sale date, until we were informed at the Foreclosure Mediation. We have income and are trying hard to earn extra income to help save our home. We would appreciate the opportunity to have the application reviewed for alternatives to foreclosure, as they have the power to allow a review of the application submitted. Thank you. Note :We can attached the Mediation files and the 3rd party authorization document if needed. Thank You,
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

My mortgage was recently sold to NewRez. We received an escrow analysis dated XX/XX/19 from NewRez. The escrow analysis shows that NewRez made an incorrect PMI payment in XX/XX/2019.  NewRez paid $XXXX, when the PMI amount is supposed to be $XXXX. Further, the escrow analysis shows this $XXXX being projected every month going forward, causing my mortgage payment to increase by $XXXX per month starting XX/XX/2019. I called and emailed on XX/XX/XXXX to ask why NewRez has the MPI incorrect. I made a follow up call today,XX/XX/XXXX, and the NewRez representative told me there has been no progress and he would email his manager.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I traded in a lease for a new lease with XXXX XXXX   FL.  They paid off the balance of the lease in the trade in.  Chase financed it in XX/XX/2019 . Chase financed the old lease and the new.  The trade in balance $XXXX that was absorbed by XXXX  and paid off. We have a XXXX balance due but yet chase still has it on my credit till today. we have taken all measures to clear this up including a letter from chase and XXXX stating there is no balace due. With over 30 calls to both institutions and sending the letters to credit agency they responded that Chase is responsible for the reporting.  This is negatively effecting my credit rating and must be cleared immediately.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Hello--I have tried to "permanently remove a security freeze from (my) credit report" at specifically Equifax in order to purchase a XXXX Contract; but Equifax will not allow me to do this through their Online and Telephone Consumer Credit portals. I have tried 8 times Sat (XX/XX/2019) and 4 times Sun (XX/XX/2019) -- each time following their instructions, namely:Per the "XXXX" website, I first created an online account, only to receive this message 12 times in 2 days (see above dates reference:) "Please give us a call -- We can't complete your request at this time. Please call the Customer Care team XXXX   Customer Care is available between XXXX XXXX.XXXX. and XXXX (ET), 7 days a week."I then, per their instructions referenced above, call the provided phone number (XXXX) and follow the automated voice instructions during the call, namely:A-Provide the reason for the call (#5-Other) and (#4-Agent) and (#0-Agent); and thenB-Provide "4-pieces of information to verify (my) identity," (i.e. #1-Mobile Phone No., #2-SS No., #3-Numeric Street Address, #4-Zip Code). After providing the information requested by the automated telephone prompter, I have received this message 12 times: "Unfortunately, the system is unavailable right now. Equifax.com is available 24/7 to answer questions and provide additional self-service options. Goodbye."Additionally, I also went to XXXX/ "Frequently Asked Questions" webpage, to the "Customer Care for your Equifax credit report" section, and called the "Customer Care Phone No. XXXX" and got the same previously described automated telephone prompter system that gave the same message (indicated above).Consequently, as a Credit Consumer, I cannot access Equifax whatsoever, either online through their provided "Consumer Create an Account" Online System, or by their own provided Customer Care Telephone Number through an automated voice identity verification system so that I may "permanently remove a security freeze from (my) credit report."
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX  XXXX /XXXX  paid off shows a balance,  XXXX XXXX /XXXX  balance  XXXX balance should be XXXX   paid off
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (FL)

I have reported to XXXX  that the same debit for a medical bill is being reported by two different collection agencies. The dispute was resolved that XXXX  took off one of the reporting agencies. I logged back in this month and notice yet again the same issue happened. Phoenix is reporting my medical bill from XXXX XXXX XXXX XXXX  but this is also being reported by XXXX. please help.
Consumer complaint received 2019-08-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC (TN)

I took out a loan in XX/XX/2018 from Advance Financial to assist with financial issues and took out the amount XXXX but after fees and how they setup your biweekly payments only a small amount goes toward the principle which makes it impossible for payoff. Several complaints from others said the same thing. This company is awful and many are seeking some type of lawsuit for their predatory lending practices
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have been having issues with bogus and fraudulent addresses appearing on my credit file that I do not recognize. My full name is XXXX XXXX XXXX please remove any other variation of my name. My DOB is XX/XX/XXXX SS XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Account number XXXX XXXXCase# XXXXOn the date of XX/XX/2019, a laptop from the manufacturer XXXX, was purchased from XXXX. The purchase was in the amount of $XXXX. The laptop received was completely inoperable. It would not turn on in anyway. Multiple attempts were made to receive return merchandise authorization from XXXX. XXXX's has a 30 day return policy for their items. I put in within the allowed time frame and the seller "XXXX", did not respond. I messaged them multiple times asking them to send a prepaid return label as this is their policy. I brought this item to a local repair shop and they were unable to do anything to help fix this problem and was told to continue to attempt to return the merchandise to the seller. All items requested by Capital One including, my personal opinion, copy of receipt, and copy of a 3rd party opinion explaining that the product could not be fixed by any means, was included in the documentation that was sent to Capital One. We have made all attempt to try to return the merchandise which were clearly ignored by the seller. All information requested by Capital One was provided and Capital One Bank still declined my dispute.Please help resolve this problem on my bill.
Consumer complaint received 2019-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc. (WI)

i have sent several validation requests to Alliance collections asking for information obtained from the original creditor including the original contract and the contract showing that they were assigned this debt and have legal authority to collect and the only response i have gotten was a print out from there computer.Per the XXXX opinion letter put out by the FTC this does not satisfy requirements under the the FTC and FDCPA and is consider unfair debt collection practices.
Consumer complaint received 2019-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We want Sps mortgage to be investigated in regards to violating our california home owner bill of rights.Violation 12cfr 1024.41Violation Ca sec 2923-2924We have been trrying to resolve with Sps mortgage our loan modification and they refuse to work with us Sps is only interested on foreclosing on our home.
Consumer complaint received 2019-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights RemoveXXXX, XXXX XXXX, XXXX XXXX , XXXX-XXXX, XXXX   XXXX
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've sent several requests for dispute via certified mail and the results come back as verified and accurate but bo proof of this has been provided by the credit bureau. Per the law; the credit bureau has an obligation to provide me with the information they have that states this is item that is on my personal file actually and factual belongs to me and they have not done that.
Consumer complaint received 2022-01-25
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. (IL)

account name ; XXXX account number ; XXXX date opened ; XX/XX/2021 amount owed {$2800.00} inquiries that need to be removed 1. ) XXXX XXXX 2. ) XXXX
Consumer complaint received 2019-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

XXXX XXXX is reporting negative information on my credit file. I’ve requested validation multiple times and they have failed to provide this information. The account was previously sold to XXXX XXXX XXXX. They have ceased all collections and removed the collection account from my credit file. I’m addition I received notification from XXXX XXXX   and equifax that the XXXX XXXX account had been removed from my credit reports. As of today it is still reporting negatively. I am requesting for the account to be removed immediately.