davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

My monthly mortgage payment for Select Portfolio Servicing ( SPS ) went from {$2600.00} to {$2900.00} on my XX/XX/XXXX statement. I was never told of this increase nor why it was happening. It is illegal for them to do that and I want them fined and my statements corrected. 

They should not be allowed to keep this increase in place and should be backdated to XX/XX/XXXX so I can continue to make my old payment amount until I catch up! 

Now, I am not a dummy. My guess is my escrow account was recalculated. I get that but they never notified me. It was a hardship for me to make the payment, never having been notified. 

Now, these bozos might argue that they put it in the previous month 's statement ( they did not ) so it was not conspicuous at the least. 

I have sent several emails to them and mailed a letter to them. Here is the unforgivable part : THEY SENT TWO LETTERS ACKNOWLEDGING RECEIPT OF MY EMAILS AND LETTER! Whoop de do! They have done nothing about it. No response addressing the issues!

They have not called me ( And if they claim they have, they are clearly not calling from company lines or I would have picked up their call when I saw their name on their caller id ). 

Further, they will argue, " Oh, he is in bankruptcy. We can't call him. '' Not true. My case # XXXX was XXXX officially on or about XX/XX/XXXX - OVER ONE YEAR AGO!!!

I am sick of this. I am trying to get caught up on my payments and should be able to do so within the next 3 weeks BUT I still do not know why my payment went up? Should I pay the increase?. 

Can you please help? No one is helping me and it is terrifying!
Consumer complaint received 2023-03-01
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)

Transunion, XXXX, and XXXX is reporting a Authorize user account on my profile that I did not authorize and I need to have this removed from my consumer report immediately.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (HI)

CITI, XXXX, XXXX and XXXX has reported my private information negatively and without consent. 

The Fair Credit Reporting Act 15 USC 1681 section 602 states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As the consumer, I have the right to make sure my private information is NOT shared which is supported by 15 USC 6801 which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CITI is a financial institution by definition and under title 15 USC 1681 section 604 a section 2 states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' CITI being the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do NOT have my consent to furnish this information and they do NOT have my written consent. Any and all consent to XXXX, XXXX, and CITI whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' CITI has not informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission and in violation of this law.

And 15 U.S. Code 1681e states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. 

Furthermore, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' Therefore, I am opting out of these reporting services.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CA)

Barclays Credit Card Company XX/XX/23 Barclays sent me an wmail : XXXX extra points for {$300.00} chgs in XXXX, XXXX, XXXX. 
Promotion emailsaid do not reply to email. 
It was sent XX/XX/XXXX so how could I accept it XX/XX/23 to get credit for Fwb charges. I didn't think had to accept. 
I called today with ques and noone knew about promotions -- -4 people. 
Now they message me to screen shot their promotion email. I don't know how to screenshot. Too bad CS reps don't know their job. Worthless company.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank Amrica closed my account for no reason, some of them have never committed fraud, every time I call, they never let me open a new account, they tell me that I can no longer be a client of theirs and they never give me the reason, I have not made any mistake, the only thing I did was I tried to change my password and they blocked my online access. When that happens and I contact the bank they tell me that they are closing my account because the bank decided to do so and I see it as very unfair on the part of XXXX XXXX. They have to be more professional and yes I did. something bad I apologize but I would like to open an account with you again and my name is XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

My last payment to XXXX XXXX was paid automatic though my checking on XXXX XXXX for {$24.00}. I went with a new insurance company in XXXX so would not opened them anything. 
I can send picture where it showed this clear my checking account.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CO)

XX/XX/2022 {$530.00} of my Wells Fargo XXXX were wrongly pulled and processed during an attempt to purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I received a Wells Fargo a Rewards confirmation email with wrong confirmation XXXX  that is not associated with XXXX XXXX XXXX XXXXXXXX. I called the company directly. I attempted to use my Wells Fargo XXXX XXXX XXXX via XXXX. The transaction did not process appropriately and seemed wrong. So, I contacted XXXX XXXX XXXX XXXXXXXX and they did not have confirmation of an order from me. I called Wells Fargo to report the transaction. I called XXXX to report as well. XXXX reported that Wells Fargo had stopped/halted all payments ( credit and Rewards ) before either could be processed on XXXX side XXXX My credit card has been credited, however, the Rewards team refuses to refund my {$530.00} in rewards. I have sat on phone calls with Wells Fargo Rewards multiple days for several hours a time. They tell me to call XXXX and refuse to listen to the fact that I have had extensive conversations with XXXX. The funds are not with XXXX. They tell me to contact XXXX. This company was not associated with the transaction in any way. XXXX my customer portal at XXXX there are XXXX transactions recorded because Wells Fargo canceled the transactions immediately. When I work my way through Wells Fargo XXXX customer support I have been hung up on and transferred to departments that can not help me outside of Rewards and am forced to start the process from the very beginning. They are giving me the run around in hopes that I will give up.
Consumer complaint received 2022-10-17
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-10
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. (IL)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX Collection agency Name XXXX XXXX XXXXXXXX XXXX Collection agency address XXXX XXXX XXXX XXXX, NJ XXXX Account name XXXX XXXX Account number XXXX Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX, SC XXXX XXXX whom this may concern, Your company said I allegedly owe you money I will " PAY '' under one condition if you can provide 1. Validation of the debt-that is, the actual accounting 2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' Kind Regards
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

Im in a XXXX XXXX bankruptcy due to a couple missed payments on mortgage. I went to a company out of California and they screwed me out of {$5000.00}. And that put me further behind and Im in bankruptcy owning XXXX for 7 years. It was a court order to refinance in order to keep my home Ive been current since then.Wells Fargo denied approval for refinance for a loan modification I went to 7 other banks and Wells Fargo would not provide the pay history and Im still in the bankruptcy payment my First mortgage and Second Mortgage and the Trustees. My Mortgage is XXXX and my Second Mortgage is {$200.00} and the Bankruptcy Trustees is {$900.00} Please help
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc. (OH)

Hello, I recently had a utilities bill for the amount of XXXX that was sent to collections with Associated Credit Services which I have now paid on XX/XX/2023. Unfortunately, I never received written communication from Associated Credit Services regarding this bill at my address. Under the Fair Debt Collection Practices Act, agencies are required to provide written notification within 5 days of trying to contact individuals regarding unpaid debt. Because I never received written communication, I am requesting that this paid debt be removed from my credit report. 

If your company can provide proof that written communication was provided, please let me know. Otherwise I would like a goodwill deletion as written communication was not provided. 

Thanks
Consumer complaint received 2023-01-10
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. (MD)

Equifax is reporting unauthorized inquiries on my consumer report! I have called multiple times and disputed items. I do not own none of these items and I am a victim to identity theft. the unauthorized accounts are XXXX XX/XX/XXXX and XXXX Bank XX/XX/XXXX.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

hi my name is XXXX XXXX, phone number XXXX, chime acct number XXXX on XX/XX/XXXX there were some unauthorized transactions made on my chime account at differents locations in california, at differerents times starting XXXX XXXX all the way at XXXX XXXX to differents gas station so called XXXX XXXX XXXX XXXX. 

whoever did it, used my bank card information. I ve called chime bank they did not solved the problem, i ve filed a disputed still they didnot help me at all. 
im a single dad i work for XXXX, the total amount of transactions made that day was XXXX, i have prove that i was not at those locations, i live in XXXX  XXXX california , those transactions were mad at XXXX XXXX california , unfortunately chime bank have not solved the problems, i can not afford to loose my money with this difficult times we living, i work so hard for my money this is my son money, again im a single dad and my son depend on me, please help me solve this problem, sincerly.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Equifax is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late & gt ; 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Equifax did not update and correct the report. 
Their investigation was incomplete and they researched the current balance, rather than the payment status. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Equifax delete the XXXX XXXX payment information, in a written requested dated today, XXXX XXXX, XXXX.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX  Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX XXXX Late Payment Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX XXXX, and Charge Off Account XXXX XXXX XXXX. 

I would like to point out that the XXXX XXXX Bankruptcy was XXXX, and I have taken steps to rebuild my credit since then. I am aware that these accounts have negatively impacted my credit score, and I am actively working to improve it. However, some of the information regarding these accounts is inaccurate or incomplete. 

For example, the Late Payment Account with XXXX should have been removed from my credit report as it was a mistake on their part, and I was never late with payments. The Charge Off Account with XXXX XXXX was included in the bankruptcy and should not be reported separately. The Charge Off Account with CREDITCD/FBT was settled and should be marked as such. 

I would appreciate it if you could investigate these accounts and correct any errors or inaccuracies. I have attached relevant documentation to support my dispute. Please let me know if there is any further information you require from me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-10
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 XXXX XXXX account # 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
Consumer complaint received 2023-01-10
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX account # 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
Consumer complaint received 2023-01-10
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (VA)

My wife normally pays our credit card balances every month. When I didn't receive a product I purchased or a receipt online for something I went into my Discover Card account online and in the process noticed a " payment protection plan '' fee was appended to monthly bills. I have never signed up for something like this and noticed more than {$580.00} in payments we made over the last XXXX years. I called Discover to 1. Cancel this. 2. Provide a full report on how much and how long we had been paying into this, and 3 ) to file paperwork for reimbursement. We received an email confirmation of the plan being canceled but never received follow-up on the other two requests. I called back XXXX weeks later to follow-up, was put on hold multiple times and was then told I had signed up online in 2005 and that this type of plan couldn't even be authorized over the phone. I again asked for a follow-up to history and reimbursement. The rep said she filled out forms and that a supervisor would have to review and " may '' call me back. That's where I am now in the process. I suspect Discover bilked approximately {$5000.00} over 19 years.
Consumer complaint received 2023-01-16
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. (TX)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (MA)

On XXXX XXXX, 2022 I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Balance : {$14.00} ), XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-01-10
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: DISCOVER BANK (NY)

[ XX/XX/2023 ] To Whom It May Concern : Please note that under Section 1681c of the Federal Fair Credit Reporting Act, you are obligated to delete obsolete information from the consumer credit report of the undersigned. The following account list : [ Discover Credit Card ] This information is obsolete and should no longer be appearing on my credit reports ; please delete it.

This information is outdated, and obsolete and should be deleted immediately from your credit files. I anticipate your immediate attention to this matter.

Truly Yours, XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (NJ)

A debt ( {$150.00} property damage ) was paid in full to original property manager XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX provided dated proof of same which is why it was paid as I did not reside there at the time, but realized I as leaseholder was reswposible. ( See proof of payment Attached ) XXXX XXXX has since been sold and under new management multiple times .Proof of payment was provided repeatedly over the last 6 years to various new owners and property managers including Pro Collect. They fail to confirm receipt of debt paid. 

Alternatively they have now produced same debt in XXXX for a new year XXXX which does not exist. I was never, prior to today, provided a bill for duplicative problem in XXXX nor was there damage or did I receive dated photos of same. They ran a duplicative invoice, conduct of which is willfully fraudulent and illegal or wholly inept. 

They also have illegally contacted two family members regarding same. ( XXXX and XXXX XXXX ) and have threatened to destroy my credit The initial debt was from 7 years ago ( See attached XXXX, XXXX. ) I have also personally spoken to supervisors who promise to update records at Pro Collect and they do not. 

This is willful misconduct and/or potential fraud or ineptitude due to duplicative reissue of charges