davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Hello my name is XXXX XXXX, I tried making a deposit through a citizens bank atm on XX/XX/2024 at XXXX XXXX. I entered my cash of {$1100.00} into the atm, it did not read the cash that was entered and as the atm tried returning my money I received an error saying we encountered a problem returning your cash. Please contact your financial institution.. I had gotten a printed receipt of that message too. So no money was returned back to me and no money was deposited into my back account. All I got was a receipt with that error message. So I contacted citizens through their number and told them what had happened and they deposited the money into my account and told me that they would look into that atm because of the problem that had happened to me. A couple weeks go by and they take that {$1100.00} back out of my account because they said due to further review they had not seen no issue with that transaction and pretty much said I was lying about it. So I had told them I have physical proof of the error because I kept the receipt and I emailed it to them so they can look more into it for now a second investigation. Now because of their error I have to wait 5 business days for them to reach back out to me with a new answer. So after this is all handled I am cancelling my account with them and I am going to a different bank as this was by far the worst experience Ive ever encountered with a bank. And I do not recommend anyone to join this bank due to their lack of service.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (FL)

To whom it may concern : I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Consumer complaint received 2023-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

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 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 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 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NE)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2018-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I have had repeated problems with XXXX  XXXX giving inconsistent information in the five years I have been working with them on repaying my substantial student debt. 

To start, I am a XXXX and have been diligent in making payments since finishing my training. 

The latest example of trouble came this summer when, in XXXX, I was sent a note askng for me to recertify my income that had the following phrasing : " If we do not receive your completed application and all supporting documentation within 10 days of XX/XX/2018, your monthly payment is estimated to be XXXX, first due on XX/XX/2018. '' I completed these requirements at my first convenience, thinking XX/XX/2018 marked a deadline, not a target. 

I received a note in XXXX stating that my application was denied because I had applied too soon. I mentioned that I only did what I thought I was being asked, but I was told not to recertify until the fall. 

Come XXXX, I see that my month payment jumped up to the XXXX level mentioned in the XXXX note, suggesting that my income driven repayment plan must have lapsed. I called back in early XXXX to better understand what happened, and I was told there was a mixup in dates, that the paperwork I sent in XXXX would be used to recertify my income and recalculate my monthly payment, and that I did not have to worry about the XXXX payment because they could not review and recalculate in time for an XX/XX/2018 payment. 

I see today ( XX/XX/2018 ) that my account is listed as delinquent. I call back, and a condescending agent suggested it was my fault all along because I sent my paperwork shortly after they requested it, and not specifically around the time of XX/XX/2018. I explained how no reasonable reader of that original letter would suspect they had to time the arrival of the paperwork for the deadline, and that I was essentially being punished for sending in paperwork shortly after asked. 

Fundamentally, I am trying to do the right thing by keeping up with payments and the requisite paperwork. The operational inconsistency from the agents not only undermines confidence but leads to unfair labeling of my account that can have negative credit ramifications and delays in payments while interest continues to accrue. 

I check my balance at least weekly and keep up on this ; I can only imagine what happens to those without the time or curiosity to keep XXXX  XXXX  honest.
Consumer complaint received 2022-11-23
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. (DE)

XXXX is still reporting student loans that were transferred to XXXX on my Experian credit report. I disputed with Experian and they say XXXX says it is valid. Which I have emails that prove otherwise.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (FL)

I was a victim of Identity Theft, my former roommate opened two Upgrade , Inc. accounts in my name and pretended to be me racking up XXXX  of dollars in debt that caused my credit score to tank. In addition, I lost my employment between XXXX XXXX which put me further into debt along with losing my home, my car, being homeless for nearly two years with no unemployment, no family, no friends and various mental health issues that have prevented me from being employed. I AM ASKING THAT THEY COMPLY LIKE THEY SHOULD AND REMOVE BOTH ACCOUNTS FROM MY CREDIT REPORTS ALONG WITH THE REIMBURSEMENT OF LOST WAGES IN THE AMOUNT OF {$140000.00} WITHIN THIRTY 30 DAYS BEFORE I REALLY FILE A LAWSUIT AGAINST UPON EXTRA PAYMENT OF {$30000.00} FOR LEGAL FEES. I AM SICK OF THIS SITUATION WHICH HAS PREVENT ME FROM WORKING A REGULAR JOB AND HAVING A PERSONAL LIFE.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Ive lost count the number of times they called me. I quit answering my phone with unknown numbers. I made the mistake of acknowledging a debt from them and ended up having to pay it all again after it was settled with the the original credit card company. They made agreements and then didnt honor them. This place is a total disaster and very unprofessional.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mr. Cooper Group Inc. (WV)

XXXX XXXX XXXX, ex wife was court ordered to pay mortgage. Have sent copies of divorce order multiple times to lender to have name removed. House foreclosed on in XXXX and keeps reappearing on my report and being updated. Most recent credit report shows it wont be removed until XX/XX/XXXX.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rosebud Economic Development Corporation (MI)

XXXX XXXX has been calling me from a local spoofed phone number multiple times and leaving a voicemail saying the following : starting on XX/XX/XXXX then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again lastly XX/XX/XXXX at XXXXXXXX XXXX EST we are calling in regards to the auto debit file here in my office. we wanted to give you the opportunity to respond on your own behalf and see if there are anything youd like us to take into consideration before we make our final recommendations and try to give you a chance to resolve this on a voluntary basis. this is a time sensitive matter and does require your immediate attention. telephone number is XXXX this is a documented and time stamped attempt to contact you i have called on the following dates requesting information including original creditor, date it entered their office, balance, and a verification of debt/validation. 
XX/XX/XXXX at XXXXXXXX XXXX then again XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX ( hung up on ) XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX and finally XX/XX/XXXX XXXXXXXX XXXX they said they emailed the requested documents on both XX/XX/XXXX ( requested on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and then again on Monday XX/XX/XXXX at XXXXXXXX XXXX. none of which have been received. 
each time they say they have emailed me the verification to me as requested but it is not in my inbox, my spam or my junk folder. they refuse to verify the mailing address on file, and they are increasingly disrespectful, hostile and rude. i also let them know i am working with a debt settlement company, and that they are to be contacting them, however they instead belittle my choice to work with said company and continue to harass me and leave aggressive voicemails and treat the matter with hostility. they have threatened that this will be turned over to their legal department as well.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Today at XXXXXXXX XXXX I received an email " XXXX, Thanks for applying for a Chase credit card '', but I have never applied for a Chase credit card. 

Also, my credit is locked, so no one should be able to apply for a Chase credit card using my information.
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (UT)

We are trying to get a partial land release from chase bank we sent them payment and appraisal fees 3 months ago, we have missed 3 closing dates and they are very vague in responses to us we cant get anything resolved. We have sent them all they asked for twice and they still want to say we are incomplete yet they wont explain why. This is very frustrating we need to resolve this issue ASAP it has been a great burden to deal with these people.
Consumer complaint received 2024-05-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

Asked about the late fee on the account to be waived. Said they couldn't waive because they only waive a late fee every 12 months. The late fee is XXXX the first time, and if late again in the next 6 months it goes up to XXXX. I told them it was a mistake on my part for not getting it on time, not that it couldn't be paid. I tried twice with two different reps and they said they couldn't help. They gave me the link to look at the credit card aggreement. I just thought that a law was passed on XX/XX/XXXX signed by the president to lower the late fees to XXXX? If that is true, why are they charging so much?
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX//2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-08-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Called Capital One on XXXX XX/XX/2018 to negotiate payment arrangements on a collection account showing up on my credit report. Spoke with XXXX XXXX, XXXX, XXXX XXXX, XXXX ( Supervisor ) and XXXX ( Supervisor ). I was told that the only payment option that would be accepted is a settlement amount paid in full and that payment arrangements could not be made. The account was in transition to be sold, but not sold yet. I am unable to make any payment arrangements with any collection agency because the account is still with Capital One. I spoke with several people. Finally, XXXX ( XXXX ) stated that he can only accept one payment for full/settled amount but could not accept payment arrangements. Payment arrangements would have to be made to the collection agency but the account was not sold to a collection agency yet. Capital one would not accept my offer of payment arrangements even though the account is still with their company.
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (WA)

The loan is an installment loan but also has access to a debit card. The company keeps decreasing my credit line as I pay it off. Therefore it lowers may available credit and impacts my credit score. Now I have had other cards decrease limits due to this. This is having a huge negative impact on my credit score.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have been requesting validation of the debt with proof of my name as a legal signature bearing my name since XX/XX/2022. I will enclose a picture of the US postal service offices certified mail receipt dated XX/XX/2022. I have requested to have these records corrected with the 3 credit reporting agencies with no success. I have tried to send all the letters I can politely requesting validation and I have yet to get proof and this company is reporting inconsistent information across the 3 credit reporting agencies. Enclosed I have a picture that is past the 30 days given with no investigation whatsoever into this account.
Consumer complaint received 2023-04-18
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. (MA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
Accounts 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 

According to 15 USC 1681 I have the right to privacy According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reached out to creditors to remove a hard inquiry XXXX that was put on my report without my knowledge, also reach out to the XXXX and trans union on this matter. I sent several certified mail to bureaus, and calling them and still nothing.
Consumer complaint received 2018-08-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

Opened account in mid XXXX. Deposited XXXX on XX/XX/XXXX. Promised {$400.00} if I deposit for 60 days. Now they are saying I didn't deposit by the XX/XX/XXXX deadline. I reached out on XX/XX/XXXX, and I received a response on XX/XX/XXXX saying that they will not honor the promotion.
Consumer complaint received 2024-05-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

SPS IS A PREDATOR AND PRACTICE PREDATORY PRETENDING LENDING, TAX EVASION FRAUD, SECURITITES FRAUD AND XXXX VIOLATIONS AND MORE! -- -- SPS S SERVICING AND COLLECTING FOR XXXX XXXX XXXX XXXX XXXX WITH XXXXXXXX XXXX XXXXXXXX XXXX XXXX THIS LOAN IS APART OF THE XXXX MORTGAGE CRISIS AS " XXXX '' OF THE RESIDENTIAL MORTGAGE BACKED SECURITIES FRAUD AND WAS APART OF THE NY CONSENT ORDER FOR CONSUMER RELIEF IN XXXX PRIOR AND AFTER. 

SELECT PORTFOLIO IS A " COLLECTION AGENCY '' PER THE UTAH DEPARTMENT OF STATE AND THEREFORE HAVE VIOLATIONS UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA XXXX XXXX XXXX ), RESPA, TILA, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC. XXXX, DEBT COLLECTION LICENSING ACT, XXXX XXXX, AND XXXX BY AGGRESSIVE MISLEADING LEGAL AND FRAUDULENT DOCUMENTS SUING IN COURT IN A COMMONWEALTH OF PENNSYLVANIA, CITY OF XXXX XXXX OF COMMON PLEAS CIVIL TRIAL DIVISION CASE XXXX WITH A ILLEGAL DEFAULT FORECLOSURE JUDGEMENT WITH FALSE DOCUMENTS AND THEY ARE " SERVICING A LOAN FOR A NON PARTY LENDER '' WITH NO ACTUAL XXXX OR RIGHTS TO THIS ASSET AND PROPERTY OR CLAIM. THIS IS FRAUD ON THE COURT AND DOMESTIC TERRORISM. 

SPS COMMITTED FRAUD WITH XXXX ROBO SIGNING AND ROBO ASSIGNED THIS LOAN THROUGH THEIR SYSTEM AFTER CONSENT OR ISSUED A " MORTGAGE RELEASE THROUGH XXXX XXXX XXXX '' COLLECTION AGENCIES BUYS OLD DEBTS. SPS IS A COLLECT AGENCY BY LAW. SPS IS A LEGALLY ONLY SERVICING AND THIS LOAN COLLECTING FOR A 'NON - PARTY LENDER ''. 

XXXX XXXX XXXX XXXX CO XXXX NOR XXXX XXXX XXXX XXXX CO XXXX XXXX TRUSTEES ) ARE " NOT '' THE LENDER HAS NO RIGHTS AND HAS NO LEGAL STANDING TO SUE ME FOR MY HOME AND FORECLOSURE ON XX/XX/XXXX! SPS HAS COMMITTED FRAUD BY XXXX XXXX  XXXX, XXXX, AND EVERY OTHER FEDERAL HOUSING AGENCY AND HAVE CONSENT ORDERS FOR FRAUD ON FILE WITH EVERY FEDERAL AGENCY. YET THEY HAVE NOT STOPPED. 

A XXXX HAS BEEN FILED WITH NY STATE AND SPS DOES NOT HAVE A LIEN ON THIS PROPERTY OR BODY. THEY ARE TRYING TO STEAL MY HOME! 

THIS IS FRAUD. STOP THE FRAUD. CALL THE XXXX  HELP!
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX balance XXXX shows unpaid already paid in full XXXX XXXX is inaccurate balance XXXX, XXXX already paid in full XXXX XXXX, XXXX show balance last updated was in XX/XX/2023 this was paid in full- correct this information