davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: HILLTOP HOLDINGS, INC (AK)

On XXXX, I sent an email to Prime Lending, Inc representative XXXX XXXX to inquire about the ability to use contingency funds to be used for additional renovations. On XXXX, XXXX stated, " Hey XXXX, From what I am seeing it looks like XXXX will be good to proceed with the additional items and then submit for them to be paid at the final inspection. Again, if it takes longer than XX/XX/10 it will incur an extension, but if he's able to wrap it all up before XX/XX/10 it would just be a one time extension charge. 

Feel free to give me a call if you have any questions Thanks XXXX " After receiving that approval, our contractor proceeded to undertake the additional items discussed. Once completed, the final invoices were tendered. Upon which, XXXX XXXX, another representative of Prime Lending sent the following email ( XXXX ), " Hi XXXX, Thank you for your email. I have received the completed final draw request form. I see the final requested draw amount is {$28000.00}. The remaining amount left on the project budget including contingency reserve is {$13000.00}. The difference of {$15000.00} will need to be paid out of pocket by the borrower. I will need a paid invoice showing the {$15000.00} has been received prior to disbursing the remaining funds on the budget. I will also need the attached conditional waiver completed and returned for the final draw. 

Below is a breakdown of the remaining budget and the disbursement history. 

Remaining Budget : XXXX XXXX - {$4200.00} XXXX XXXX XXXX {$9500.00} '' Having been completely sideswiped by this email, especially given that we ( the borrowers ) had asked to use contingency funds and both representatives indicated in writing that it was acceptable, I had a phone call with XXXX XXXX on XXXX for roughly 45 minutes to express my displeasure with the professional misconduct of Prime Lending and their representatives. XXXX indicated that he would request an extension of the loan to cover the amount. On XXXX, XXXX sent the following email indicating that management failed to approve the change that their representatives had approved to me, the client, " Hi XXXX, I am just getting back today after being out of office for a couple days. 

XXXX, it sounds like Management is unable to do a modification on a renovation loan. Would it be possible to give XXXX XXXX some more time to figure out a path forward? 

Thanks XXXX XXXX LOAN ORIGINATOR '' I have kept all of our emails and can supply any information you need to resolve this issue. I am uploading the pertinent items mentioned here but can supply all evidence. Just much of it is bigger than XXXX.
Consumer complaint received 2024-08-01
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

I was in prison when my XXXX card was sent to my wife 's sister 's house after she had moved to California following my arrest. Neither her nor I received the card and all the money was drained from the account, by her sister. I filed a dispute after being released from prison when I was able to contact the bank I had no knowledge of the transactions, i actually called XXXX XXXX  to get a replacement card and XXXX the address on file so we would actually get it. and was automatically denied. Because I didn't file within 10 days but I couldn't file within that time. I didn't authorize the withdrawals and neither did my wife. I really want my money. Been waiting 3 years. It turns out not just XXXX card was stolen and used but both, we didn't have any idea there were XXXX card. Please help resolve this.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (AR)

In XXXX XXXX, I received unpaid billing notice from a Collections Agency for a PayPal account through Synchrony. The bill was for more than {$4000.00}. I never applied for this card, and did not receive it or use it. I investigated and was told payments had been made on this account. False. I did not have this card. I checked my personal bank account,. No payments made. 

The fake account they are using against me : XXXX I asked address they were using and was told it was an address where I lived more than 12 years ago. I asked the email used. It was a bogus email. 

I filed complaint. I did not hear anything back so I called. I was told the account had been closed. Later, when applying for a home loan, I learned this " unpaid account '' showed up on my credit report. 

I have filed several subsequent reports with Synchrony and keep getting denied. They tell me I made payments on the account and received " benefits '' from the card. False. I never received a card, nor did I apply for it. 
They keep telling me I made payments on the account. False. I never made payments on an account I did not open, I have received two recent emails showing no balance on a PayPal account. I have called them and told them I do not have an account and please remove me. 

I have filed multiple Fraud complaints with Synchrony and keep getting denied.

Synchrony gave someone a PayPal credit card, but it was not me. I did not have a card, did not make any charges on the card and did not make any payments. I did not receive a bill from Synchrony until turned over to a billing agency in early 2024. That is because I never had an account. That is when I learned of this scheme. 

I need this debt removed from my credit reports because it is Fraud.
Consumer complaint received 2024-06-28
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. (SC)

I ordered an updated credit report when I was denied a loan. When I received it, I noticed personal information and questions that were unrelated to me. I've lost my SS and Birth Certificates ; I'm assuming someone is using my identity. In addition, incorrect personal information and fraudulent inquiries were made : 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 2024-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

The original creditor for this 'debt ' is XXXX XXXX XXXX XXXX XXXX XXXX. I ordered merchandise from XXXX since I had a line of credit with them. I NEVER received ANY of the items I ordered. I reached out to XXXX and XXXX and told them I have not received my order. After a very short 'investigation ', they determined that I am responsible to pay for the items anyway. I refused to make any payments on my account since I did NOT receive my order. MY 'debt ' was sold to LVNV Funding LLC XXXX They have harassed me even since. They call, send texts, threatening letters, etc, even after I wrote them a letter AND sent an email explaining I do not owe thus debt, and told them not to contact me ever again. They STILL continue to harass me.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Begin with some unauthorized charges on the credit card bill from Proportionately over whatever I would ever consider spending on what is already ridiculously high interest-rate, and manufactured and engineered to take advantage of people who are less in income architecture I believe to be predatory, and those charges are authorized, and therefore, after notifying them of it, the FCRA regulations as far as blocking negative information due to Attaching a FTC report and CFPB complaints since the bureaus seem to think they calling them and the companies think the same as a waste of time. Should be discouraged from misleading or discouraging folks from filing these type of documents and concentrate on doing better for America long term.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Applied for auto loan through XXXX online. Denied because of in sufficient information. Contacted XXXX and was told that there was a 7 year fraud alert on our Experian file with no contact information. I did not place the alert and Experian was not helpful. I removed the alert but am unable to get an explanation from Experian.
Consumer complaint received 2024-06-12
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. (GA)

Dear Sir/Madam, I am writing to formally dispute the bankruptcy record listed on my credit report. Previously, I disputed this bankruptcy with you, and you notified me that you verified it with XXXX. However, upon reviewing my consumer file, XXXX does not have any bankruptcy report. Moreover, the court has confirmed that they do not submit any information to credit bureaus. 

Additionally, you have violated consumer law by failing to adhere to permissible purpose regulations. In order to obtain information from PACER, an account must be created in the consumer 's name. I did not authorize you to create such an account, thereby lacking the permissible purpose to access this information. This action constitutes a breach of my consumer rights and indicates inaccurate reporting. 

Therefore, I request that you delete this bankruptcy entry from my credit report immediately. This inaccurate information is causing undue harm to my credit profile and must be corrected without delay. 

Thank you for your prompt attention to this matter. Please send me an updated copy of my credit report reflecting the removal of this erroneous information. 

Sincerely,
Consumer complaint received 2023-07-31
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: Checkr, Inc (LA)

It has come to my attention that CHECKR has used my property, ( hereinafter referred to as identifying information of XXXX ) for financial gain without my permission. 
CHECKR has provided a consumer report ( hereinafter referred to as report ) to XXXX, XXXX in regards to XXXX. 
CHECKR is a consumer reporting agency as described in 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
This report has had an adverse impact on my reputation, as well as has caused me to loose the ability to earn via the XXXX platform. CHECKR has reported that an INSTALLMENT PLAN is in a DEFUALT status. The information CHECKR provided in the report is not accurate in that there was never a valid contract in place according to my records. 
CHECKR has displayed Inexcusable negligence or ignorance by allowing this unverified item to be placed on the consumer report of XXXX, which is considered as nearly equal to fraud. CHECKR has violated [ 15 U.S.C. 1681a ] in that CHECKR has engaged in a fraud committed using the identifying information of another person. 
A debt collector must swear true, correct, and complete that an exchange of valuable consideration has occurred that allows him to demand repayment. CHECKR has not shown proof that the provider of the negative information used in the report ever had a valid contract with me, consequently any adverse actions they took against XXXX XXXX or any negative reporting information they provided to CHECKR should never have been placed on a consumer report. CHECKR has provided no proof that such a sworn statement exist, nor that CHECKR had access to it prior to engaging in erroneous reporting of false information.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cascade CISS Holdings, LLC (FL)

Ive had a credit card with XXXX since XXXX. Ive never been late since that date on or around XX/XX/XXXX there was about a {$25.00} charge that my wife made and I thought the payment was all paid, I called XXXX. They said it was a zero balance and then all of a sudden I run my credit report and there are late payments dates on my credit report. It was only for {$25.00}. I had thousands of dollars in my bank account and they never called me or notified me in anyway even though they have access to email, text or my phone, never reached out to me and just put three months late payments on my credit report crushing my card and Ive never been late on anything in my life. Please get this deleted from my report as soon as possible. They never notified me. Thank you.
Consumer complaint received 2024-07-03
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. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information accounts onsist of XXXX XXXXXX/XX/XXXX opened on XX/XX/year> account number XXXX, XXXX XXXX opened on XX/XX/year> account number XXXX, XXXX XXXX opened on XX/XX/year> account number XXXX,XX/XX/XXXXXXXX opened on XX/XX/year> account number XXXX, XX/XX/XXXX opened on XX/XX/year> account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-12
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. (NJ)

I asked the credit reporting agency to send a copy of verification of a bankruptcy reporting on my credit report. I asked for the person they spoke with that had first hand knowledge and they did not. I just got a letter saying it was verified.
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Let me start by saying that I am a XXXX XXXX with serious XXXX. I have Always paid my account with Kohl on time. This whole problem situation began back in XX/XX/year> when I paid my Kohl 's charge card on the XXXX which is a XXXX. My payment is due on the first of each month. They didn't post this payment right away and then charged me {$40.00} for a late payment. Your agency got this resolved and I was given a credit. I, being a very responsible individual, decided to pay my Kohl 's payment for XXXX in advance at the end of XXXX. I did this so I would not be marked late and charged a late fee. Well, as you can see by my XXXX statement that Kohl 's went ahead and charged me a fee saying I didn't pay XXXX because they took my payment and added it to my account in XXXX so they could charge me a fee of {$40.00}. I had paid {$35.00} which was above and beyond my normal monthly payment of {$29.00}. i immediately called Kohl 's customer service department and spoke to XXXX who stated she had to transfer me to a Specialist named XXXX. I explained my situation and thinking and XXXX stated they did not apply my XX/XX/year> payment to XXXX so they charged me a fee of {$40.00}. I asked for her help in resolving this and I was refused. I was Not going to allow them to do this to me. I was an honest long time customer and this is outrageous. I paid XXXX, XXXX, XXXX on time on the first because of this ongoing issue that they refused to acknowledge or help me with. I paid {$35.00} every month instead of my normal required amount of {$29.00}. As you can see by the monthly statements from Kohl 's which I have attached, they went on to continue to charge me a XXXX XXXX  monthly fee. I contacted Kohl 's again at the beginning of XX/XX/year> to again try to get some resolution. That didn't happen. Instead, some woman asked if I am filing bankruptcy. I said, " what??? '' What are you talking about? This whole situation insane. I told that person I had to file with you because I was getting nowhere with Kohl 's. I was being abused emotionally and financially. How could they do this to me when I paid on time and am a XXXX with XXXX??? I then had to call their automated service and make a payment. I see that they put on a XXXX fee of {$56.00} and I have no idea what this is. I really need help to get this all resolved. Any company that is decent would have helped me and resolved the issue back in XXXX instead of doing what they did to me. I need this resolved asap because I am Not paying fees when I did nothing wrong and the General Public needs to become aware of their tactics to financially ruin Senior Citizens. They also had the audacity to mark me late on my credit report!!! This mark which is incorrect needs to be removed.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Electronic deposit XXXX {$10000.00} check to Citizens Bank. Check cleared my XXXX bank account on XXXX. Contacted Citizens by phone, branch mgr blamed XXXX - saying they were holding funds ( Lie ) Recd letter from Citizens XXXX stating same - XXXX was not released funds. 
Spoke to branch mgr at XXXX XXXX to confirm check cleared- he noted Citizens Bank is notorious for hold funds for inordinate amount of times. 
Today, XXXX, funds are still being held.
Consumer complaint received 2024-06-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (AZ)

Everything was great until I misplaced my installment contract due to being illegally evicted from my home. I went to the dealership to get.a copy and thing where immediately different at first sight.. I ended up finding my original. When I compared them somethings didn't match and I remember the guy to did up our installment was name XXXX. It wasn't XXXX signature. I did a little researching and found a consumer protection webinar.. make a long story short I got show all the discrepancy on my installment. 


15U.S CODE1631 FULL DISCLOSURE REQUIREMENT WHICH THEY DID NOT DO.. 

15U.S CODE 6821 Privacy of my information WHICH THEY GAVE TO A THIRD PARTY TO REPOSSESS MY CAR WHEN IT WASN'T IN DEFAULT.. 

15U.S CODE1605 SUM OF ALL CHARGES..

1 ) WHICH I PAID FOR THE CAR TO BE SERVICE OUT OF POCKET 2 ) NO INSURANCE 3 ) PUT {$500.00} DOWN.. WHICH IS ILLEGAL WHEN FINANCING. 6
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

To Whom It May Concern : I am writing to you today to file a complaint against Citibank , N.A . for charging me interest after I paid my balance in full and in time according to the terms of my credit agreement. 

On XX/XX/2023, I made a payment to Citibank , N.A . in the amount of {$13000.00} to pay off my entire balance. The due date for this payment was XX/XX/2023. I received a confirmation from Citibank , N.A . that my payment was received on XX/XX/2023. 

However, on XX/XX/2023, I received a statement from Citibank , N.A . showing that I was charged interest in the amount of {$160.00} on my balance. I was very surprised to see this charge, as I had paid my balance in full and in time. 

I have reviewed the terms of my credit agreement with Citibank , N.A . and it states that I will not be charged interest on purchases if I pay my monthly Citi Flex Plan Payment Amount plus my entire balance, excluding any Citi Flex Plan balances, by the due date each month. I met all of these requirements, so I believe that Citibank , N.A . is charging me interest illegally. 

I am requesting that you investigate this matter and take appropriate action. I believe that Citibank , N.A . is violating the Truth in Lending Act ( TILA ), which is a federal law that protects consumers from unfair and deceptive lending practices. 

I have attached a copy of my statement showing the interest charge and my credit agreement which is in the last page of same document. 

Thank you for your time and attention to this matter.