davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

During a forbearance period ( back in XX/XX/XXXX with Citizens Bank NA ( DBA Citizens/Citizens One ) I was making principal payments ONLY. I was just notified on XX/XX/XXXX that I was not able to make such payments, if any payments received would also be applied to my monthly payments as well. I requested proof of this policy which I never received. 
I was asked to provide proof of all payments that was misapplied. I complied with this request and faxed copies accordingly. Said payments were NEVER applied as agreed. 

I have spent hours trying to reach a manager, the correct department that supposedly made this issue and have yet to hear from Citizens. 

Today XX/XX/XXXX I tried again to discuss this matter with a manager and was advised that the manager would NOT take the call that they would get back to my by EOD. As I type this complaint it is XXXX EST and NO callback from anyone. 

I want my payments applied correctly and proof that my loan principal amount is well below $ XXXX per my records and prior agreement from an agent by the name of XXXX XXXX and " XXXX ''. I was also advised today, that for most of the conversations I've had with Citizens, there are NO notes. Per their upfront recording all calls ARE RECORDED. Although there are no notes, they have records of my calls unless they have destroyed them ( which wouldn't surprise me with this company ).

I'm trying to pay ONLY what I owe hence, the reason I want my principal ONLY payments applied correctly.
Consumer complaint received 2019-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

There was attempt to use Capital one credit card ending XXXX in early XX/XX/XXXX, which was alerted by XXXX XXXX fraud to be shipped to secondary address. My primary address was not used but as a front. XXXX {$520.00}, XXXX {$440.00} ; XX/XX/XXXX {$95.00}, XXXX {$140.00} total XXXX After several calls, Capital one blocked the card not deactivated the card XXXX. Fraud stated, '' we sent new card out. '' XX/XX/XXXX via US mail : received new card and the new card was the same card again.I told Capital one to deactivate the card, why is the card blocked not deactivated? Why is the same card XXXX being sent out again? I am so stressed out over incompetence. 

On XX/XX/XXXX, called Capital one and told them about the same card XXXX sent to me in the mail. The agents in the background was laughing and yelling, I told the agent that I could hear them and not the agent. The agent said " they are celebrating. '' I could not take anymore this morning and disconnected the call. Later that day, begged and was very stern and demanded a supervisor which eventually spoke with. XXXX supervisor said " we sent out a different card number to you already with a different card number and looking at a different number. '' I said " No, why am I looking at new old card ending in XXXX. '' Pleaded and yelled in my shame " I do not want the card, regardless, please, audit the credit from the charges that are fraud, please. '' Why is my payment still XXXX dollars and XXXX dollars credit back due to fraud? '' My first call originally, about fraud to Capital one card ending XXXX. The agent could not get information about fraud nor transfer me to fraud. Capital one call center is not from the US, which concerns me terribly. Spend my precious time being insulted and waiting on a process that is at a slug 's pace. Do you really want to call a credit card company that is outsourced to foreign countries " online your account instead of talking to unknown entities. 

They sure do not make it easy on members of the XXXX. 

Wished I could say it is a pleasure. 
XXXX
Consumer complaint received 2021-08-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have follow-up with XXXX XXXX XXXX and consumer reporting agencies ( FAX, Trans UNION and they do not want to remove the 30 day late in my account when I paid before the due date which did not go over 29 days late. 
This letter is a formal complaint that XXXX XXXX XXXX gave inaccurate and incomplete credit information as reported for my account with Trans Union as CREDIT BUREAU reporting agency. 
Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effects my mortgage loan refinance in these uncertain pandemic period. 

This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated XXXX account Name of company that reported the late item ( XXXX XXXX SERVICES ) Reason for dispute : ( NEVER LATE - 30 DAYS ) Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00}
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I contacted the credit Bureau to inform them that I was not aware of who this collection companies from they subsequently put it into dispute mode instead of using the letter that says to remove it which I obtained from the credit collection company and now put me into a 30 day delay mode. 

upon six hours of phone calls to him and being exhausted I have no course but to file this complaint I hope you can assist in getting this matter taken care of but every time I contact their specialty department to help me I get nowhere it's like they don't care.
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This is a continuation of automatically closing claim CFBB XXXX. 
1 ) Citizens bank sent amount of debt to collectors and should not have. They locked online access and took 6 months to send requested bank and credit card statements.

2 ) Bank overreached into my accounts without my consent and shuffled and made adjustments with my money all over the place.

3 ) when they did charge-off ( which should never have occurred ) as I covered all payments and brought in funds to bridge the deficit while dispute of what occurred over an overdraft occurred. Bank did not provide satisfactory and sufficient paperwork needed by customer, myself, to reconcile all four accounts involved. Requested multiple times. Statements were adjusted snd rewritten by bank since An third party check into account overdraft if account took place and differed between what was showing and I read online, what was in mobile application and weekly electronic mini statements, by telephone, and phone call reconciliation due to refusal to supply paper documents of all 4 accounts.

XXXX ) citizens bank has recorded the wrong amount of chargeoff which shoukd never have been a chargeoff in the first place as they never assisted in an appropriate statement reconciliation in the first place when I went to brsnch anc requested. Bank still needs to correct and reverse, remove chargeoff so this does not affect my credit. since receiving paper statements in XXXX  and reviewing, bank and I have agreed there is only a {$2000.00} deficit based on this set of documents ( these dont match what was online ). Yet payment terms still continue to be through a collection agency.
Consumer complaint received 2021-08-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted TransUnion on several occasions to explain to them the accounts showing on. my credit report are inaccurate, they failed to respond in 30 days and I have attempted over 3 times to have these accounts removed. They couldn't verify the accounts were mine, I submitted a letter of debt verification to the alleged companies stating I owe them and even the companies failed to respond. These accounts have been showing on my report negatively for months I tried to be patient however they are very disrespectful of my time. It seems like they are robots and do not care personally how this is effecting my ability to obtain housing, financing or jobs. As indicated by the attached copies of letters and mailing receipts, they have received and accepted through registered mail my dispute letter dated XX/XX/XXXX, XXXX accounts are listed below each time I've requested this inaccurate information to be removed they ignored my request. 
On XX/XX/2021 I received a copy of my credit report from TransUnion, which is 1 : outside of the 30 days to report or remove inaccurate information and for 2 : proof that they can not validate this debt and instead of having it removed they decided to further delay and buy themselves more time. They are utterly wrong and it's very disturbing to deal with such a major company and they treat you so poorly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CT)

I booked a XXXX rental car reservation through XXXX. 

A few days prior to the rental date, I called XXXX to confirm car and pickup location. I XXXX  XXXX XXXX #, and called the 1st number ( and have a screenshot ). The person answering the phone said he was with XXXX, I confirmed my name and he gave me the specifics of my reservation ( location pickup, # of days, and cost ). He said that I had a reservation, but not a confirmation because I had not paid for the rental. 

I explained that the car was not to be paid until I picked it up. The person told me that it was likely that I would not have a car when I arrived, because it had not been paid and there was a shortage of cars. I was told that I could confirm the rental car with a XXXX payment, but could not use a credit card. 

On multiple times, I questioned that this was not my experience with XXXX. He said XXXX changed its policy. I asked him to confirm my XXXX loyalty number, what office he was working in and to speak to his manager. I was on the phone with him for 39 minutes ( approximately half the time my husband was also on the call ). ( See screen pic ) As instructed, I transferred {$900.00} by XXXX on XX/XX/XXXX to XXXX XXXX, and was told she was in the finance department. We immediately called JPMorgan Chase, to ask for a stop on the XXXX payment. They explained it was an immediate payment and it was likely that they would not be to stop the transfer. As of today, the recipient has not yet registered with XXXX and claimed the money.
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I own the property and was renting it out since XX/XX/XXXX. My tenants experienced major hardships due to covid job/income loss. This issue started in XX/XX/XXXX and they were unable to catch up on the rent. They made a payment on XX/XX/XXXX, in which i applied it to the XX/XX/XXXX rent/mortgage. During that time SPS ( Select Portfolio Servicing Inc ) .the loan servicing company had the loan in a forbearance status. XX/XX/XXXX i was told by them that no further forbearance they can offer. I was very shocked that they would not offer any more assistance. I asked for a modification and was denied. They basically said to pay or they could offer me XXXX to move. Im trying to understand, how can i pay them without receiving rent.? Furthermore the Tennant 's are federally protected against evictions etc. Landlords aren't offered any protection thru this company at all. They sent me a letter dated XXXX XX/XX/XXXX stating that if i pay XXXX they would reinstate me. That amount is only good till XX/XX/XXXX then it will change and go up with legal fees and charges etc..I need a modification to help go current during theses extreme times.
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (WI)

Began receiving communication regarding multiple medical bills that were not submitted to the insurance companies although the information was provided. Informed the Debtor that the bills for my daughter should be properly submitted through my personal insurance and the state insurance. The debtor insisted that I pay in full although I requested that they submit the bills through the proper channels for payment. I reached out to both insurance companies to ensure that I was correct to find that the bills had never been submitted to the insurance companies for payment. They have submitted 22 bills to my credit file in the amounts of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX without attempting to properly process the bills for payment.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

An account from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in the amount of {$250.00} began reporting on my credit report on XXXX XXXX, 2012. Despite constantly disputing this debt with Equifax, the debt still remains on my account. I have yet to receive correspondence validating the debt or a copy of the original debt with my signature. The account has been removed from my other credit reports due to lack of validation.
Consumer complaint received 2023-04-11
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. (GA)

I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-04-11
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. (WA)

XXXX has 2 loans listed on my credit report that are held by XXXX now. They refuse to remove even after submitting a dispute through XXXX XXXX to have them removed due to them being duplicates. I have attempted to call XXXX directly but there customer service number just disconnects.
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NM)

I transferred money from my checking acct with XXXX XXXX Bank to an account holder in Cash App. I sent 2 transactions of {$50.00} and 2 transactions of {$50.00} ... for total of {$160.00}. The person I sent the funds to contacted me and stated they did not receive {$50.00} that I sent. 

I then needed to send this same person {$30.00}. I sent the {$30.00} but got a response from Cash App that the transaction was on hold due to technical difficulties within Cash App. At this same time, I received another text from Cash App to my cell phone stating my {$30.00} transaction was being refunded... here is that text... 

... '' CASHAPP : For your protection, your {$30.00} payment to $ XXXX has been refunded. {$30.00} has been returned to your CASHAPP account and will be available in 2-4 working days .... '' I received a similar text fof {$50.00} that I had transferred to the same person. I assumed that since I got the message from Cash App about internal technical difficulties precipitated that 2nd text. The person I sent it to also stated they did not get the {$30.00} ... .so, I re-sent the {$30.00} and the recipient stated they got the {$30.00} ... .but not the initial {$30.00}. 

When I contacted cash app support soon after I made those 4 transactions, I was told by cash app that all the transactions were sent successfully ... despite the person I sent it to telling me otherwise. 

So what's happening here? Did I actually send {$160.00} or are the initial {$50.00} and {$30.00} being refunded per the text I received from Cash App, meaning I actually only sending {$80.00} and the {$80.00} being refunded and I'll see that money bank in my account in a couple days. It seems I got scammed for all 4 transactions. 

I contacted cash app several times and their response was always... the funds were sent to this person and they can not refund my money. I also contacted the person I sent the funds to and they responded they don't know anything ... an obvious, unfortunately, scam. 

Please advise on all this... I am terribly upset over all this. I await your kind reply... thank you. 

XXXX XXXX
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (NJ)

I have a skylight pay card and they have told me I can either write a check or use the card at specified Banks or ATMs listed in there guide to obtain cash. However I have tried writing a check and taken it to Banks listed to cash the check but the banks refused to cash the check. Also I have gone the recomended ATMs to get money but instead I have been charged {$4.00} as a fee. Neither of these options am I able to get cash. Instead I have to go XXXX and buy something in order to obtain cash. I have been forced to buy useless things at XXXX which I do n't need. A copy of their guideline and transactions will be attached showing how difficult to get the money and also fees charged.
Consumer complaint received 2021-08-04
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: EQUIFAX, INC. (NY)

I have provided letters to XXXX, XXXX  and Equifax requesting that they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my signature. However they have fail to honor my request and they are also Violating the FDCPA 807. False or misleading representations. with the information
Consumer complaint received 2021-08-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. I have tried serval times to apply for loans such SBA loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I authorized a charge with XXXX shoe store. Shortly after I received a confirmation email I noticed the email was from a bogus company claiming to be XXXX. In addition, the company charged me more for the order than I originally authorized. Immediately I contacted Citi to advise of the issue and cancel my card and requested a replacement. Citi sent me documents I was to fill out and return to them which I did. I contacted Citi numerous times requesting status update on the dispute case which representatives advised they received my correspondence and were investigating. Mid XXXX I received a letter from Citi claiming they did not receive my documents. By this point I was irate after my many conversations that led nowhere and much wasted time. Today is XX/XX/XXXX and I have spoken to Citi too many times. I spoke to a very nice representative today who instructed me to write Citi and request an appeal as he was able to confirm I indeed sent ALL information requested and the dispute team overlooked it. I also wrote to the XXXX  which I have yet to hear back from after someone from the executive office called me and told me they work in the credit card section and would forward my concern to the banking side. I am truly beginning to lose all faith and confidence in Citi. This is the first time I raise a dispute and I am extremely disappointed as the company was bogus and while I authorized the charge I shall add I never received any goods or services from this company. Not only was the company bogus which I understand Citi should not take the loss as again I authorized the charge ( mistakenly ) BUT I never received good from the company therefore Citi should dispute this accordingly. I am looking for resolution of the funds being refunded to my account as this fake company does not deserve to keep my money and Citi has dropped the ball all around on this matter.
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MD)

On XX/XX/2019, Diversified Consultants , Inc is attempting to collect a debt. While I do not remember the debt and has not refused to pay, I requested that the collector validate the debt under Fair Debt Collection Practices. My final letter to the collector was sent via certified mail ( cert # ending in XXXX ) on XX/XX/2019 requested the aforementioned. Collector has opted NOT to communicate with me but communicate directly with the credit agencies AND provide false and/or unverified information despite my request.
Consumer complaint received 2019-12-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I applied for a refinance on a XXXX dollar loan they ended up changing it to a payday loan ended up getting XXXX hundred more with a outrageous interest nothing of the sort was indicated at the time of application I called to cancel the additional amount added to the loan they told me I had to pay the total balance in full in order to cancel the contract there was no cooling off.All the loan amortization was after the fact.