davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Back in XXXX, we did a transaction of {$300.00} through XXXX XXXX for sports tickets. The tickets turned out to be fake. The XXXX XXXX account is linked to our debit card. We received a text from the bank stating the transaction was suspected scam. It read something to the effective decline transaction. When we first looked at the text, we thought it said do you want to decline the transaction so we hit yes because the bank had advised it may be possible fraud. However, after rereading the text message, it asked if you want to authorize this transaction so once we realize we called the bank right away And explain the situation. We didnt want the transaction to go through. At that time we were told the transaction was pending, but would likely be reversed, but I would have to wait and see what happens in the next few days. A few days later, the amount was debited from our account. I was told that I would have to file a claim. I filed the claim. I explain the situation. After about a week, we received a letter saying that the claim was denied my bank advised we need to go through XXXX XXXX to file the dispute. I called XXXX XXXX and put in a claim with him. They referred me to my bank so again I called my bank. They said they were gon na submit it for another review. In the meantime, I filed reports with the Federal Trade Commission, my local police department and XXXX XXXX that this was all fraud. The last few months have been back-and-forth with the bank and XXXX XXXX trying to get these funds back. I have spent countless hours of my own time trying to get this figured out, I have tried to reach out to the corporate office at the bank and was basically told the same thing. Ive been told theres nothing they can do. I realize we made the mistake, but we called literally seconds after I have done everything that they have asked for it was linked to my debit card, and I feel as though my bank should help me out in this case, but they are not, neither is XXXX XXXX. so now I am left in the middle. They each tell me I have to go back to them. I need to get a resolution to this as thats a lot of money and its been going on for months. Please help me. I will gather any documentation you might need. Im doing this from my phone at the moment so Im not able to access the documents.
Consumer complaint received 2024-07-09
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. (NY)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear XXXX XXXX, Capital One Bank, and CFPB, I am filing this formal complaint regarding an account with an alleged balance of {$2400.00} that appears on my credit report, which I dispute vehemently. Despite my dispute with the credit reporting agency, they confirmed the account 's validity based on your response. I have no recollection of any relationship with your collection agency or the original creditor, and I believe there are significant inaccuracies in how this account is being reported, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

In an effort to resolve this matter amicably, I demand proof of this debt, specifically the alleged contract or any document bearing my signature, as well as proof of your authority in this matter. Without such documentation, you are obligated to correct any erroneous reports of this debt under my name. 

Please provide the following information promptly : Documentation evidencing your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) regarding this alleged debt.

Explanation of the legal basis for your collection of information. 
Explanation of the legal basis for your collection of this alleged debt. 
Proof of your authorization to conduct business or operate in this state. 
Evidence of the alleged debt, including any contract or document bearing my signature. 
A complete account history, detailing all charges added for collection activities. 
I am formally complaining about violations of my consumer rights under various sections of the FCRA and FDCPA : Under FCRA 15 U.S.C. 602 ( a ), I have a right to privacy, and according to 15 U.S.C. 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. 
I demand an immediate cessation of all communication and collection activities related to this account. 
I request the immediate deletion of this account from my credit report as I have no knowledge or contractual obligation pertaining to it. 
Your actions have severely impacted my credit report and financial standing. Specifically, I allege violations of the following sections of the FDCPA : 1692d : Harassment or abuse in connection with the collection of a debt. 
1692e : Use of false, deceptive, or misleading representations.

1692e ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of the debt.

1692e ( 5 ) : Threatening legal action that can not legally be taken or is not intended to be taken.

1692g ( b ) : Conducting collection activities that overshadow or contradict the disclosure of my right to dispute the debt.

1692f : Use of unfair or unconscionable means to collect or attempt to collect a debt. 
I demand the immediate removal of this account from all credit reporting agencies. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-03-12
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. (IL)

XXXX XXXX XXXX XXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$230000.00} ) has never been my mortgage servicer. I have never had a contract of any kind with this servicing company. They are unable to send me anything bearing either an electronic or wet ink signature. They do not bill me nor do they send written or electronic correspondence. However they just continue to report adversely onto to my credit by way of XXXX and XXXX from what I am able to see, and this XXXX reporting has just been placed there since approximately XXXX. 

Then there is XXXX XXXXXXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$220000.00} ) ; same scenario as aforementioned. As the consumer, I have never received any form of correspondence of any kind from this company, nor have I ever established a relationship with this company. They are unable to send me anything bearing either an electronic or wet ink signature as well. Currently, they are reporting adversely onto all bureaus.
Consumer complaint received 2022-06-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MD)

PNC Bank is teaming up with XXXX XXXX to withdraw {$1600.00} from my checking account. I made a dispute on this and asked why I am not receiving the refund. PNC has no specific answer and just keeps saying it is valid. But I never authorized {$1600.00} for purchasing any item from XXXX XXXX. It is an online transaction. Further, PNC Bank is not trusting its customer when there is a dispute. PNC just tries to take the money and make it valid since it is a large transaction with a debit card. PNC and XXXX XXXX try to steal my money. On XX/XX/year>2024, there was an unauthorized transaction from XXXX XXXX XXXX XXXX. I never authorized the transaction. I am not familiar with the merchant at all. I did not possess my debit card when the transaction happened. I recently lost my debit card and license. Someone used my identity and debit card information for several purchases. I contacted PNC Bank and asked them to refund my money since the transaction was not authorized. But PNC is unable to resolve the issue for retrieving my {$1600.00}. PNC is not helpful when XXXX XXXX deceives and keeps charging me {$1600.00} through identity theft. This is unacceptable. It should be fixed and prevented. A foreign merchant should stop stealing property of the US Citizen without his consent. I changed my phone number since there were suspicious activities using my information. My new phone number is XXXX. Please call this number if you want to discuss this matter further. Thank you.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (IN)

XXXX is reporting to chex systems that i basically wrote a fraudulent check wth no proof of the check nor the purchase agreement. ive disputed with XXXX and chex systems as well. that this was not my doing. they are reporting fraudulent activity on my behalf but in actuality is on their 's. XX/XX/year> is the date in question ... in the amount of XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The items listed below are still reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5500.00}
Consumer complaint received 2024-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (ME)

Our mortgage was bought by Flagstar Bank. Our original loan was set-up as an equity loan and did not have an escrow account for taxes or insurance. We pay those separately. Flagstar is now saying we are delinquent on taxes and set up an escrow account for said taxes, and then mailed our town office a check. We were not and had not been delinquent. The town office never sent them information that we were. The Bank pulled this information from the town website that is sometimes inaccurate. The town office did not cash the banks check and handed it back to us. I called the bank to get a better understanding of what happened, which they informed me I was delinquent at that time and had sent me a notice of this. I had not received any letter. I was then told my town office sent them a notice of delinquency but our town office informed us they did not send them a letter. After spend time on the phone with the company I received a letter in the mail a few days later stating what they had done with the escrow account. How can a mortgage company start an account based on inaccurate information from a website without ever contacting the town office or the person paying the mortgage? And now will not drop a charge of over XXXX XXXXXXXX XXXX. Without giving us any information or plan to fix this.
Consumer complaint received 2024-07-06
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (AR)

I previously had a Lowe 's Card thru Synchrony Bank. I reported a charge as fraud and closed the account. They opened a new account and placed a balance on this account without my knowledge or permission. I have contacted Synchrony multiple times on this issue and they refuse to give an explanation as to why an account was opened or a balance placed on this account. I purchased XXXX from Lowe 's in XXXX, the XXXX were returned in XXXX for the full amount. There was a remaining balance for {$1400.00}, upon further investigation done at the store it was found that this charge was fraud. I filed a dispute on the charge and requested my Lowe 's Card be closed as I would no longer be using it in the future. Synchrony issued a check for {$1400.00} in XXXX. In XXXX I received an email for an invoice for {$1000.00} from Synchrony, although I no longer have a Lowe 's consumer card. They claim that when a dispute is created and an account closed they " pre generate '' a new account for the customers, without knowledge or permission from the consumer. They have admitted to them 'double crediting ' the account instead of doing their due diligence before issuing any sort of credit and instead want the consumer to correct their accounting error. Original dispute and request for account closure was made in XX/XX/XXXX, check was received in XX/XX/XXXX. Synchrony will not explain how they are able to open accounts without a consumers permission or why they did not conduct a full investigation on a fraudulent charge before issuing credit. They also did not provide me with any information regarding this new account that they are requesting payment for and when I requested statements in XX/XX/XXXX they sent statements from my closed account and not the account they opened without my permission. Now they are requesting that I pay the account in full or I will be charge 27 % interest on their error.
Consumer complaint received 2024-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

In XX/XX/XXXX student loan payments of $ XXXX were paid on my account. Those payments did not count towards my 120 payments needed for forgiveness because payments were paused during Covid. I've requested that the {$2700.00} paid be refunded/returned to me as my family is experiencing a hardship while my dad is receiving XXXX and XXXX. I've reached out to studentaid.gov. I've reached out to XXXX only to be told that my previous loan servicer would have that information but the previous servicer is not in business. Who can tell me what I need to do to have the money refunded, if anything. Every one wants to pass the buck and we're struggling financially. Can I please, get a response? The payments were made from XX/XX/XXXX - XX/XX/XXXX. If I'm not entitled to a refund I'd appreciate knowing that as well and the reason why. Any assistance in obtaining a response is greatly appreciated.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I opened an account with XXXX and 10 days later, I applied for another account. Before doing so, I spoke to two people who said that there wouldn't be another Chex inquiry since the first account was recently opened. However, there was another inquiry for the XXXX account. I contacted both Chex and XXXX and XXXX said that they're unable to remove it themselves. They suggested that I contact Chex. The attached chat confirms that the XXXX rep told me, " the chex inquiry is good for 30 days. After 30 days we will have to do another one. '' When I contacted Chex about this, I explained and the rep confirmed that it shouldn't be on my report if they said that they wouldn't do another inquiry. However, after their investigation, it was deemed valid. Either Chex didn't reach out to XXXX or XXXX didn't look into the issue. I contacted Chex again and their notice said that my claim was " is considered frivolous or irrelevant. ''
Consumer complaint received 2024-07-06
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. (TX)

TransUnion continues to work with XXXX XXXX XXXX in causing damage to my principal capacity to rightfully contract by using joint business practices to take private and personal information and cause harm to consumer by discriminating and using illegal adverse and damaging of character or reputation, risk of identity theft, breach, trafficking and other exposures without warranting or insuring with verified affidavit or declaration of valid non-adhesion contract proving debt and consideration and that my information is safe without risk. Both TransUnion and XXXX XXXX XXXX  has a history of not being able to prevent consumer risk exposure of private and personal information as well as history of breach, and other federal and state violations.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

5/3 bank has been putting forced placed insurance on several of my loans- when they controlled the escrow- so I took over - the still put placed insurance. 
For 2 years they put a XXXX XXXX dollar policy instead of a XXXX they informed me a small typo. A price difference of approx {$20000.00} I could provide many pages They state the dont accept XXXX XXXX - each year when they get the code correct they accept it- it not XXXX XXXX - its XXXX- each year they accept it- they say since 2019 or any year they dont accept it - you can see Ive been refunded everytime except the last 2 years - Policy cam Address Loan # XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I have 2 other mortgages- they havent had 1 error in same time period- over 20 years- with 5/3 Bank no matter who the insurance company is no matter if its escrow or not and they are paying it. I typically get insurance slammed on one or all the properties twice a year since over 20 years. 
Several times I had to pay the premiums to XXXX XXXX because his third refused to when it was as great. This was years ago. The premiums were doing in XXXX and it was XXXX and they had not been paid yet. 

I would wish the whole file would be made available- with all statements - payments made- escrow papers etc.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-11
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!