davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Since we obtained our mortgage in XXXX, we called the Citizens mortgage tax department every time we got a tax bill to confirm that it was going to be paid from our escrow. The tax department confirmed each time and told me repeatedly that all tax bills are paid from our escrow so we do not need to keep calling each time we get a bill. 

In XXXX or XX/XX/XXXX, we received a final notice on a tax bill from our towns tax department which also listed approximately {$500.00} in interest due for failure to pay, in addition to the approx. {$5000.00} tax bill. When I called Citizens, after several calls, they finally confirmed that they did not in fact pay the bill because it was an interim tax bill, which they do not pay from escrow. After numerous calls back and forth, we agreed that Citizens would pay this bill from our escrow account ( which we would then pay ). After several additional calls from me, the bank finally confirmed in XX/XX/XXXX that they paid the bill including interest so we were all set. 

In XX/XX/XXXX, we received a notice of sale flag on our home for failure to pay taxes. I called Citizens and they assured me that they are escalating this issue to see what happened. After several weeks and several more calls ( during which I kept being told that this was escalated ), I called the tax bureau directly and figured out how we could just pay the outstanding balance so we did not lose our home. The amount due of {$160.00} was a result of Citizens not paying the full amount in XX/XX/XXXX despite them confirming with us repeatedly that they had done so. I called Citizens and told them not to pay anything from escrow because we would be paying the tax department directly so we did not lose our home. The next day we received a notice from Citizens that money was taken out of our escrow. After several more callsincluding questions regarding my how money was taken out of our escrow account after we told them specifically not to do so the prior dayCitizens ultimately put the money back in our escrow after 5-10 days. 

Since that happened, we have asked the mortgage/tax department for ( XXXX ) the approx. {$500.00} in interest we incurred from the first interim bill that they told us they would pay from our escrow since they pay all tax bills, but never paid until the partial payment in XX/XX/XXXX ; ( XXXX ) the {$160.00} that we had to pay because they failed to pay the correct amount in XX/XX/XXXX despite confirming that they did so; and ( XXXX ) an explanation of how money was taken out of our escrow account when we explicitly told them not to take money out, and what changes were made to their procedures to make sure that did not happen again. We have not received an answer to any of those questions except that they are not paying for any expenses because this was related to an interim tax bill.
Consumer complaint received 2023-10-26
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One has blocked me from activating the card for an authorized user, accessing referral bonuses, and accessing the travel portal, among other restrictions. I have already given Capital One all of the documents they requested and they have, days later, still not reactivated my account. 

I paid a {$390.00} annual fee for this card. When I called and spoke to a representative, they refused to refund this fee, and also refused to issue a statement credit as an apology for locking me out of the account I paid for.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I am trying to create an account with Equifax in order to put a freeze on my account. They recommend the my.equifax.com website but I can't log in and it prompts me to call the phone number. I call the number and verify with my personal information and the system says I have to go through the mail but then gives me no instructions for this. The system is useless and I need access to freeze my credit.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had spoken with XXXX ( XXXX XXXX ) today. Their reason for not honoring my fraud dispute with police report, fraud affidavit, etc. was not sufficient enough. As a result, I settled the account to get it off my credit report. This dispute has gone on long enough. Im ready to put this behind me.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

Account was frozen around XX/XX/2023. I was called by fraudulent dept. telling me that my debit card was used in Georgia. I never been to Georgia in my life. I needed to pay rent with the money in my checking account and I couldnt because Wells Fargo froze my account. Which caused a financial hardship because I was charged late fees for my rent and Wells Fargo refused to release my funds until the XXXX of XXXX Wells Fargo didnt care about the late fees accruing from my rent and told me that I am responsible for the late fees that were accumulated. This is not good customer service or good business practice. I should be compensated for my hardship that was caused by XXXX XXXX negligence to release my funds and still investigate what happened.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I received my credit report on XX/XX/2023, and noticed there were hard inquiries that didnt have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureau about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that dont have any purpose to be on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
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. (VA)

CFPB, I'm not happy with TransUnion I've called them and disputed this address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I've never lived at that address and I've uploaded my address to there upload tool and they are refusing to remove that address that doesn't belong to me. I will upload my lease agreement so that you can see.
Consumer complaint received 2023-10-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank systemically targets consumers with unjustified, unverified " late fees '' ... they purposely delay posting payments to collect late fees. They also consistently deliver their payment requests DAYS before the due date. When I ask for evidence of my payment being " late '', when I purposely send 10 days in advance, they don't produce any form of verification. 

They operate as more of a loan shark than a bank. The XXXX XXXX is passing legislation to prohibit this type of illegal behavior but Synchrony is trying to get as much late fee revenue as possible ... on multiple store accounts where they have bought the credit. 

CHARGING LATE FEES IS THEIR STRATEGY!?!?!?!?
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am writing to formally dispute the information related to the collection account reported by Portfolio Recovery, appearing on my credit report with a balance of {$1000.00}. This account, reported as opened on XX/XX/year>, and listed under the original creditor as " XXXX XXXX XXXX XXXX, '' is inaccurate and should be deleted from my credit report for several reasons. Firstly, under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that a collection agency claims I owe. In this case, Portfolio Recovery has failed to provide sufficient evidence that this debt is valid and legally enforceable. Specifically, they have not provided an assignment transfer from XXXX XXXX XXXX XXXX to validate that Portfolio Recovery has the legal right to collect this debt. The absence of this critical document raises serious concerns about the legitimacy of this debt and its reporting. Secondly, the reporting of this debt may also be a violation of Section 623 of the FCRA, which requires that furnishers of information ensure the accuracy and completeness of information reported to consumer reporting agencies. Given that Portfolio Recovery has not provided a detailed account history, including a clear chain of title proving that the debt was properly assigned or sold to them, the accuracy of this information is highly questionable. Moreover, under 15 U.S.C. 1681i ( a ) ( Section 611 of the FCRA ), I have the right to dispute the completeness or accuracy of any item on my credit report. If, after investigating, the information is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly delete the disputed information. The lack of a proper assignment transfer document and the absence of other necessary validation renders this account unverifiable. Therefore, it should be deleted from my credit report. Given these strong defenses, I respectfully request that Portfolio Recovery delete this account from my credit report immediately. I expect to see the deletion of this item from my credit file at the earliest possible opportunity, as it does not meet the legal standards for reporting under the FDCPA and FCRA. Please provide written confirmation that this account has been deleted from my credit report. Thank you for your attention to this matter.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westcreek Financial (NY)

I closed a collection account that was a charge off from this company. I disputed the information with XXXX XXXX, and the company still came back and reported that it was still a profit and loss charge off. I have the closure letter that says that its paid in full and theyre still reporting it as a charge off and I want it changed or deleted one of the two
Consumer complaint received 2023-09-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

Company stated that they need to see the payment on transaction history however I provided pay stub checking number as well as information needed to verify that the fund should be in the account according to the accountant which is the sender that initiated the payment which is my employer. Manager refused to open up an insurance claim stated that he was the only manager in the office that was in control of the office then proceeded to send me to another manager that stated the same as far as their self being the authorized party to handle this concern. Company did not provide any verification to their claim however I had all the verification for my claim, including documents and pictures, And conversations and company as well as accountant personally.
Consumer complaint received 2024-07-13
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. (OH)

I received a copy of my Credit Report and noticed a few accounts and inquires that do not belong to me. These accounts are included in my Identity Theft Report. I jave never heard of these companies nor established any business with them
Consumer complaint received 2024-07-19
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. (FL)

I lodged a complaint in the form disputes through their official websites. Against these Bureaus ( XXXX, TransUnion, XXXX ) more than a month ago regarding inaccurate and negative information on so called credit reports. but unfortunately, the inaccurate information on my report still remains on my report. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the data leak and Transunion data breach.
Consumer complaint received 2023-09-16
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: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  XXXX ( XXXX ). However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

I applied for a XXXXXXXX XXXX XXXXXXXX connect on XX/XX/XXXX based on seeing an online signon bonus offer of XXXX bonus points for spending {$2000.00} within 3 months. The application was approved. However on my " account dashboard '' I see that the promotion offered is XXXX points for spending {$1000.00}. This was not the promotion that I applied for. I will attach a screen shot of their offer. 

I called XXXX during the last week and spoke to their representative and asked that the XXXX point offer be attached to the account. The agent refused and told me the current offer is XXXX points. During the call I was able to verify that XXXX has lowered their sign on bonus off ; however at the time that I applied ( XX/XX/XXXX ) the older XXXX $ XXXX offer was in place. 

Attachments : XXXX. XXXX of XXXX XXXX with lower offer XXXX. Email from XXXX showing offer was received on XX/XX/XXXX XXXX. XXXX point offer from XXXX
Consumer complaint received 2024-07-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Credit and Collections Inc. (PA)

I first became aware of this debt when I received a collection report on XXXX XXXX that was opened on XX/XX/year>. I refuse to pay this debt of {$350.00} and want it immediately off my credit report. Due to unfair circumstances I tried to pay the original creditor at XXXX XXXX who ripped me off and taught me nothing about the entertainment industry as I hoped. 
I am not sure if this is XXXX XXXX but I would like to know for sure. If it is, I believe its unfair to charge me for classes I did not take with XXXX XXXX. I was on a payment plan and paid what I did at that time
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to file a formal complaint regarding multiple unsuccessful attempts to dispute fraudulent items on my credit report. Despite my persistent efforts, these inaccurate and fraudulent entries continue to tarnish my credit history. 

The fraudulent items I am referring to are as follows : 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 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 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 

I have taken the following actions to address this issue : I initially disputed these fraudulent items with your bureau. I provided all necessary documentation to support my claims, including police reports, affidavits of identity theft, and any other relevant evidence. 

Subsequently, I followed up to check on the progress of my dispute and to inquire about the status of the investigation. 

Despite my repeated attempts to resolve this issue, the fraudulent items remain on my credit report, adversely affecting my creditworthiness and causing significant financial harm. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information, and it is crucial that my credit report accurately reflects my financial history and responsibility. 

I kindly request that you take immediate action to investigate and rectify this situation by removing the fraudulent items from my credit report. It is essential for my financial well-being that this issue is resolved promptly. Failure to address this issue within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including police reports, affidavits, and any previous dispute correspondence.