davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (CA)

On XX/XX/XXXX I received a notification from CMG that my homeowners insurance premium was about to expire and they did not have a renewal. I immediately updated the copy of the renewal I had on file. 

I contacted my insurance agent to inquire why my renewal had not gone out. They indicated it went out to CMG Mortgage on XX/XX/XXXX. 

CMGs policy is to pay 21 days prior to cancellation which is XX/XX/2024. I asked CMG on three different occasions on their online portal why the insurance was just paid on XX/XX/XXXX and not in accordance with their policy and I have been unable to get a straight answer. 

The concern I have is payment has not been received by the insurance company and in California it is difficult to get hazard insurance so my fear is the policy will cancel if the payment is not received in time. This could be costly to me if the policy cancels. Why should I have to pay if the funds are in my account? 

The additional concern I have is the mismanagement of my account. This happened last year and I had to find email addresses to executives at CMG to get the matter addressed and payment expedited. I am here again with the same situation a year later. 

The loan number is XXXX
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-05-04
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

I received a vanilla gift card with {$100.00} as a gift, when I tried to use it it didnt have funds. I called to check the balance and it said it was used at a XXXX  in XXXX XXXX ( not by me ) I live in XXXX XXXX area. I submitted a dispute, it has been passed the 90 days and I have not received any information. I have reached out twice with no response.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion refusing to correct personal information. My correct name is XXXX XXXX XXXX I sent proof of residency and Drivers license. TransUnion is reporting my name as XXXX XXXX XXXX XXXX XXXX XXXX XXXX old addresses listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect employers. Im self employed. 
XXXX is reporting incorrect names also. I have sent proof of identity to them as well. My employer and address are correct. 
XXXX has incorrect name and address. 
Proof of personal information has been sent to each Bureau. I have sent proof of personal information more than three times to each Bureau. Can you please help me to get my personal information straightened with each Bureau. Thank you in advance.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

on XX/XX/XXXXXXXX XXXX XXXX XXXX I was offered a Saks Fifth Avenue Credit Card at the register. My purchase was significant amount so I accepted. I was offered a 10 % discount if I applied for the card. I gave the clerk all my information accurately. Then she took photos of my license. She said that they could not verify my identity and the company was going to send me a letter in 10 days. I paid with a different credit card. On Monday XX/XX/XXXX, I started receiving phone calls from Capital One to complete the credit card process. After several phone calls, one of the representatives for Saks on XX/XX/XXXX told me that the clerk did not scan my license correctly. The other 4 representatives for Capital One refused to tell me this detail. They just kept saying : Do you want to process this credit card or not? and we do not know if Saks will give the 10 % discount once you finish the verification process. My resolution was to withdraw from the process. The representative from Saks told me that I will be receiving a letter as proof of the cancellation. But as today XX/XX/XXXX I have not received it. However, I have been getting multiples calls from Capital One.
Consumer complaint received 2024-05-04
Product: Credit 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: TD BANK US HOLDING COMPANY (NC)

TD Bank had allowed three transactions that I reported as fraud within 24 hours of them being posted to the account. 

I provided TD Bank with receipts of where I was during the time of these transactions as well as a receipt that I was charged two separate times on two different cards for the other.

TD Bank today reversed all three credits that were given to my account even after two were finalized per TD Bank correspondence. 

They charge back approximately {$1200.00} to my account causing me to be negative in my account and then charged me overdraft and maintenance fees.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (PA)

Account is showing late payment of 30 days when it is not! The account also states roughly {$40.00} as being past due. Account is current and in fact for the month of XXXX a double payment was made on the account 9 days before the due date. I have attached a summary of the accounts showing payments made each month.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2023 I paid {$240.00} for a merchant to buy a product for me in XXXX. The product cost XXXX {$180.00}, which is about USD {$200.00}. The mechant ( XXXX XXXX XXXX XXXX  ) charged additional fee as their for shipping and commission. However, they are unable to order the product. Then they cancelled my order, but refused to refund. I then filed dispute with credit card company. The credit card company decision is in favor of the merchant saying they provide their non-refundable policy. I agreed their non-refundable policy when I place the order as I believe once they can order and deliver the product to me. I won't return or request for refund if the product has any issue. But the problem is that they never order the product at all.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (PA)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.
Consumer complaint received 2018-08-10
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: SYNCHRONY FINANCIAL (AZ)

( 1 ) I have a XXXX XXXX card through Synchrony Bank in XXXX, FL. On 3 of the past 4 billing statements, there have been charges to XXXX XXXX totaling {$80.00}. I do not own, and have never owned, an XXXX, and I did not make these purchases. I have timely disputed every XXXX charge in writing, and, at Synchrony Bank 's request, I signed a fraud investigation form certifying that I neither made nor authorized the XXXX purchases. Today, I received a letter from Synchrony Bank advising me that I owe the XXXX charges, because I " released account information to a third party. '' The letter did not identify the third party to whom the bank erroneously claims I released my account information. ( 2 ) Also, I disputed other aspects of the charges to my account, and Synchrony Bank still has not addressed those disputes. ( 3 ) Synchrony Bank has been charging me monthly interest and late fees on disputed charges in violation of the FDCPA.
Consumer complaint received 2023-02-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

On XXXX  XX/XX/year> XXXX XXXX XXXX suffered an outage for over XXXX hours. During this unannounced outage without being aware of the situation I've paid goods at XXXX store in the amount of {$XXXX} XXXX hours later my credit card was charged XXXX times this amount. Their fraud department failed to block my card despite charges being duplicated every XXXX minutes. So far charges have been posted and no one has resolved issue of duplicated charges. Stayed on the phone with XXXX for over 3 hours and no resolution yet.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (FL)

Ally Bank deducted {$170.00} from my checking account ending in XXXX for ATM withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX UNITED STATES on XXXX XXXX. THIS WITHDRAWAL IS FRAUDULENT> IT WAS NOT MADE BY ME AND NOONE ELSE HAS MY CARD ( now inactivated ) OR MY PIN!!! 

ALLY BANK refuses to reverse this charge despite my complpaints on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023. 

ALLY BANK is in receipt of a police report from XXXX XXXX XXXX XXXX XXXX Case Master Report XXXX Date Initiated XX/XX/2023 Additionally, DESPITE ALLY BANK 's RECORDS THERE IS NO ATM AT THE GIVEN ADDRERSS!!! 

THIS IS OUTRIGHT FRAUD AND MY {$170.00} NEEDS TO BE REFUNDED IMMEDIATELY!!!
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

PLEASE BLOCKED AND REMOVED.

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-08-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I sent debt validation paperwork to National Credit Adjusters on XX/XX/2023, XX/XX/2023, and XX/XX/2023. National Credit Adjusters mailed a generic response that they received my request but never provided the paperwork and underlying supporting documentation. The collection account listed on my credit file was deleted in XX/XX/2023 and then added back in XX/XX/2023 while being illegally re-aged. No debt validation paperwork has been received.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Activehours (SC)

This company was only supposed to take funds out of my account on the XXXX they took funds out on the XXXX and the XXXX and they are not returning my money as of this time I have things that have come out of my account that are going to continue to be declined because this overdrafted my account I've tried to communicate with these people but they refuse to return my money ASAP so I need to get this company involved because this is fraud
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I booked a hotel on XXXX through citi travel portal. Unfortunately my flight got delayed and I called the hotel. The hotel suggested me to call citi travel agents since I booked it through them. I called them twice and they promised me to solve the problem and gave me the update, But they end up doing nothing until I called them again next morning. Eventually the hotel charged me fully with money plus citi thank you points. I made a dispute and they judged it was my responsibility. I called their customer service and they cheated me that I won the case.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA (TX)

I started off with a low interest rate on my Apple Card. They have now increased the 27.24 % when my balance went up making it impossible to pay my balance off. It's ridiculous they're taking advantage of lower income households during this struggling economy.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Upgrade, Inc. (TN)

I have an upgrade checking account # XXXX. Recently I had two issues using my debit card that required filing a dispute with Upgrade. The two merchants I filed disputes against were XXXX and XXXX. After filing the disputes I called to check the status and was told that both disputes had been closed and that I had lost them. The reasons I was given for losing the disputes was that XXXX claimed I never reached out to them with any issues regarding the order I had disputed and that XXXX is a per to per money transfer service thus not eligible for the dispute process. I am filing this complaint today because neither of those claims made by Upgrade are accurate and although I requested that my disputes be re-opened I have not been given an opportunity to share the information relevant to these disputes. Regarding XXXX, I most certainly did contact them the day of the order with a detailed list of what was wrong with the order - including the fact that my XXXX XXXXXXXX prevented me from being able to eat the incorrect items. XXXX denied my request for a refund and my XXXX account is documented of this contact. I have attached a screenshot of that documentation from XXXX to this complaint. Regarding XXXX, the merchant is not a per-to-per money transfer service. XXXX is one of the largest cryptocurrency purchasing platforms that exist. A simple visit to moonpays website will show this. I disputed the transactions with XXXX because I purchased a commodity ( cryptocurrency ) that was never delivered. XXXX is eligible for the dispute process.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Being charged by Wells Fargo over draft fees and insufficient funds fees. I should receive a refund back from Wells Fargo as part of the class action settlement suit, I have not received my compensation, please assist me, I do not bank with Wells Fargo anymore.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CHILD SUP XXXX CHILDSUPPORT XXXXXXXX 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
Consumer complaint received 2024-02-27
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: Westlake Services, LLC (KY)

I want to get an apartment but my credit is not high enough to get approved to the apartments that I have applied to. In accordance to the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late under any purpose.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC (TX)

All three credit bureaus and Best Egg are reporting the balance at least {$1000.00} HIGHER than what is showed, PLUS it being OVER the limit. 

So far, XXXX and XXXX have maliciously and fraudulently ignoted my attempt to correct it. 

This is effecting BOTH XXXX XXXX and XXXX XXXX credit reports and scores. This is exceptionally bad due to the fact that we are immediately attempting to purchase a house. PLEASE urgently force them to fix this massive problem.
Consumer complaint received 2023-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting a loan to my credit file. I have never applied for nor have I ever been issued a loan by XXXX XXXX. XXXX XXXX is reporting a timeline of 14 years and 5 months. This account appearing on my public consumer file is false and inaccurate. It is out of compliance with the FCRA. I do not owe this alleged debt. Please remove this FALSE account that has been reported as a revolving or installment loan from my credit file in accordance with the FCRA. This account has not reported to nor has it been on my credit file for 14 years. This needs to be removed ASAP as this is a violation of credit reporting laws.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (OH)

I had been living in a XXXX XXXX house and had gotten a new phone and plan through XXXX XXXX. Someone in my house stole my information including passwords and account numbers. They purchased multiple phone and service lines under my name and account. I didnt know till my next billing statement was received.
Consumer complaint received 2023-05-07
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: CITIBANK, N.A. (GA)

I am writing to dispute a credit report error that has caused significant damage to my credit score. According to my credit report, I have a delinquent account with CBNA for an outstanding balance of {$490.00} However, I have never had an account with CBNA, nor have I ever received any communication from them. I have contacted CBNA to resolve this issue, but they have no record of me or any account associated with my name or personal information. This has caused me significant stress and anxiety, as my credit score has dropped significantly due to this false information. I request that you investigate this matter immediately and remove this erroneous account from my credit report. I also request that you notify me in writing of the results of your investigation and any actions taken to correct the error.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have no idea what this is and they have sent me junk mail for 2 years. I just got a subpoena for a court date in XXXX if I dont pay Portfolio Recovery for a debt I dont even know what it is. Ive never been a member of XXXX XXXX and they have been calling me 10+ times a day for 2 years its so annoying and for {$1700.00} that I dont even know what its for?! I have to mute my phone during the day because Im harassed by spam calls all the time and I have a serious job so I cant have these calls interrupting work or other important calls and meetings. Its disgusting the predatory tactics these people take.