davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
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: Experian Information Solutions Inc. (PA)

My complaint is about removing Unverified, and Inaccurate Information, off my credit report.The problem Im having is with XXXX  and Experian refusing to Update Correct & Accurate Information And choosing not to removed-incorrect information off my credit report. I sent a validation letter to all three credit bureaus along with Social Security card and Drivers license Too all 3-Credit Bureau XXXX XXXX, XXXX  and Experian After further investigation .XXXX remove this Creditor account XXXX  XXXX XXXX , from my credit report, as result of their investigation. After providing my Drivers license, Social Security and Proof of address for the last five years. Nonetheless, I also gave them A copy of my credit report showing the inconsistencies and inaccurate information of the SAME CREDITOR ( XXXX-XXXX  ) reporting. Why are each Credit bureau reporting different information if it came from the same creditor. ( XXXX  XXXX XXXX ) If the account was furnished by the same creditor XXXX XXXX XXXX why isnt the information the same across the board. I dont see why each credit bureau are reporting whatever they feel Epecially, when its coming from the same creditor XXXX XXXX XXXX.I dont believe XXXX  or Experians ever investigated this matter. If so what is the method of validation.Did they do they do diligence and request their original copy of the contract? If so where the proof did they request a copy of a wet signed contract? Did they even get in contact with the creditor? Its been over three months since I ask them to validate this account belongs to me. They have yet to provide me with proof of my signature on this contract I ask that this account be removed Immediately ( XXXX  XXXX XXXX-XXXX-XXXXXXXXX ) and updated with accurate information.Such as XXXX  removal due to their investigation. 

I would also like to take this time out thank you in advance for your time in this matter and look forward to your response. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I have been trying to modify my loan or get a repayment plan since XX/XX/2023. I advised the company my husband XXXX XXXX and as a result have gotten behind. I moved back for a bit after husbands XXXX but eventually went back to Texas. I have since got a new tenant. Every time the underwriter requests a document I submit then they turn around and ask for something entirely different. They continue to drag this on as though they are trying to reach date that file can be submitted to legal department.
Consumer complaint received 2020-12-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

In XXXX, I received a notice from Midland Credit management with three lawyer names, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I called the number on the letter with the 3 lawyer names and got an account manager that was handling the debt. It was not any of the 3 lawyers listed on the letter. They would not transfer me to any of the lawyers on the letter either. I told them that I knew nothing about this debt as it was never reported on my credit report. I refinanced my house in XXXX and the loan officer pulled my credit to show me all the debt that I was going to pay off with the refinance. All checks were mailed out by the loan company to pay the debts directly from them. All remaining money was sent to me after the debts were paid off. This debt was never reported and I never received any notifications that MCM owned the debt. I have lived in my home since 2014 which gives them more than enough time to find me and they could have reported this on my credit report to show I had a negative debt against me. It would have been paid through my refinance. I called MCM and they told me to call the courts to get any information I needed about the debt since the judgement was sent to them. MCM could not answer any of my question about the debt or why they were not reporting it, or why they did not send me a letter saying they owned the debt and were trying to collect it. For some reason, they decided to send a letter to my old job to garnish my wages. It was denied since I did not work there. Then on XX/XX/XXXX, I got an email from my payroll because they were sent a letter to garnish my wages. I immediately paid the whole debt off even though I was trying to dispute because I do not know anything about it but I did not want to get garnished. It has been close to a month, I paid the debt, and they still took a payment from my check on the XX/XX/XXXX and on the XX/XX/XXXX. I tried to call them to find out why, and they could not give me any information. They just said the process has to complete and they have no control over the process. They could not tell me how long it would take to complete, if or when I would get my over payment money back which equals XXXX. That is two payments of XXXX. My payroll department still has not been notified that the debt is paid in full and I am still at risk of losing another XXXX for the next 2 paychecks and I do not know when I will get this money back because they will not tell me. This has been a strain on my living losing out on XXXX in a span of 2 paychecks with everything that is going on and with having to pay a debt that they will not prove I owe, did not contact me when I could have worked something out with them if they proved it to me, and forcing me to pay in full in the amount of XXXX even though I feel I do not owe it.
Consumer complaint received 2023-04-14
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX ( Original Creditor : ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX : {$8600.00} XXXX XXXXXXXX Balance Owed : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance Owed : {$110.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

When I closed on the house everything went smooth rate was good, about a year later they took my school/county tax out twice once in XXXX and again in XXXX XXXX with interest on it ) didnt realize this until I got a letter stating that my escrow account was below where it should be and that they want to either double my payments or make me pay a lump sum. I called my town - county to ask if they received my tax payment they said they received no payment in XXXX so they charged it in XXXX with interest but the mortgage company took the amount out of escrow twice with no refund. Now a year later the same thing has happened school-county has not received my taxes due 2 months ago and now will be recharging me with interest in XXXX
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I went to XXXX to get copies of my credit reports. Upon finishing each one ONLY XX/XX/XXXX allowed me to download the report as a PDF. The other 2 only allowed printing. They should all allow you to download your report. Lot of people can't afford to use tons of ink to print each one.

In addition, XX/XX/XXXX should be REQUIRED to have a help line the consumer can call into with these kinds of problems. Thank you.
Consumer complaint received 2020-12-16
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. (PA)

My complaint is about removing Unverified, and Inaccurate Information, off my credit report.The problem Im having is with Equifax and XXXX  refusing to Update Correct & Accurate Information And choosing not to removed-incorrect information off my credit report. I sent a validation letter to all three credit bureaus along with Social Security card and Drivers license Too all 3-Credit Bureau XXXX XXXX, Equifax and XXXX  After further investigation .XXXX  remove this Creditor account XXXX  XXXX XXXX , from my credit report, as result of their investigation. After providing my Drivers license, Social Security and Proof of address for the last five years. Nonetheless, I also gave them A copy of my credit report showing the inconsistencies and inaccurate information of the SAME CREDITOR ( XXXX-XXXX  ) reporting. Why are each Credit bureau reporting different information if it came from the same creditor. ( XXXX  XXXX XXXX ) If the account was furnished by the same creditor XXXX  XXXX XXXX why isnt the information the same across the board. I dont see why each credit bureau are reporting whatever they feel Epecially, when its coming from the same creditor XXXX XXXX XXXX.I dont believe Equifax or XXXX ever investigated this matter. If so what is the method of validation.Did they do they do diligence and request their original copy of the contract? If so where the proof did they request a copy of a wet signed contract? Did they even get in contact with the creditor? Its been over three months since I ask them to validate this account belongs to me. They have yet to provide me with proof of my signature on this contract I ask that this account be removed Immediately ( XXXX XXXX XXXX-XXXX-XXXX ) and updated with accurate information.Such as XXXX  removal due to their investigation. 

I would also like to take this time out thank you in advance for your time in this matter and look forward to your response. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> Chase Bank arbitrarily and with XXXX notice, closed 100 % of my checking and saving accounts. 

This includes the following account numbers : Joint checking account : XXXX XXXX XXXX ( {$200.00} of cash assets ) Personal checking account : XXXX XXXX XXXX ( over $ XXXX of cash assets ) Personal savings account : XXXX XXXX XXXX ( over $ XXXX of cash assets ) I only learned of the sudden account closures when I attempted to use my Chase bank debit card to refuel my automobile, and the card was DECLINED. 

I called Chase bank customer service to inquire, and a representative confirmed that Chase suddenly and without notice decided to close the XXXX above mentioned accounts. When I asked them WHY, the rep responded that " Chase has no obligation to tell you ''. When I asked WHEN. 

Further, the rep stated that all $ XXXX in cash assets were FROZEN, and they stated that Chase Bank would not RELEASE the funds to me before XX/XX/year>, where I would need to drive to a local branch to receive my funds. No explanation as to why this date was chosen. 

I called Chase Bank back several times afterwards and was told the same exact rehearsed response. 

These sudden account closures has been a financial hardship. With no access to my accounts, I was unable to transfer cash into the joint account that I share with my husband. My husband likewise could not access the same joint account, and likewise could not fund that account. The joint account is used to pay 100 % of household bills, including mortgage, insurance, utility bills, etc. All of these payees have likewise charged me numerous XXXX fees totaling hundreds of dollars, and utility companies have scheduled the termination of gas, electricity, and water. Additionally, scheduled deposits into this account have " bounced ''. 

The freezing of over $ XXXX in my personal checking account, and abrupt closure of this account, has been a financial hardship. Numerous merchants have hit me with NSF fees totaling hundreds of dollars.. 

The freezing of over $ XXXX in my personal savings account, and abrupt closure of this account, has also been a financial hardship. 

My ASK of the CFPB : XXXX. I request immediate assistance from the CFPB with the un-freezing of my personal checking and savings account. My desire is not to wait until XX/XX/year> - the date that Chase Bank provided to me. Additionally, I have low confidence that Chase Bank will actually release my funds on XX/XX/year> at all. 

XXXX. I request assistance from the CFPB with my getting reimbursed by Chase Bank for the hundreds of dollars in late fees and NSF fees charged by merchants, as well as any utility reconnect fees as appropriate. 

XXXX. I request assistance from the CFPB with charging Chase Bank with any penalties as deemed appropriate for these egregious actions.
Consumer complaint received 2022-03-25
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (CT)

Ally maliciously reported my payment history for XX/XX/2022. The payment was due on XX/XX/2022. I requested for an extension and was granted on XX/XX/2022. I was told I had 10 days to sign this extension and make the payment. I chose to pay and sign the agreement on the same day XX/XX/2022. I received confirmation from Ally on the executed agreement and payment receipt on XX/XX/2022. A few days later I was notified from my credit monitoring services, Ally reported I didn't make payment so they added a 30 day marker for XX/XX/2022. I spoke with their representative on XX/XX/2022 and file a complaint and investigation into this error. On XX/XX/2022, I was advise they don't care whether it was less than 30 days late or not. As long as it is close to 30 days late, they can add the 30 day marker. I expressed repeatedly it was not a full 30 days because XX/XX/2022 is not a full 30 days. XX/XX/2022 was actually 28 days. They were suppose to wait till XX/XX/2022 to see if I was 30 days late. 

This malicious action has cost me Big and is affecting my livelihood. I need to be able to work in order to make my payments. My score dropped about XXXX points. I worked so hard to maintain good credit and in one shot Ally destroyed XXXX! 

Please help, they can't violate me and get away with it.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

RE : Barclays Bank XXXX ending in XXXX ( Account Owner ) Card Ending in XXXX ( Authorized User ) Beginning on or about XX/XX/2022, and ending on or about XXXX XXXX, fraudulent charges were placed on my authorized users card ending in XXXX that totaled {$9700.00}. 

Barclays Bank was notified as soon as these charges were discovered on XX/XX/2022. The bank subsequently refused to reverse these charges because they claimed to be legitimate. How this was determined is unknown because I was never contacted by Barclays or asked any questions. When I responded to this rejection, the bank said that they required a police report. I then filed a police report with the XXXX, New York police and sent a copy to Barclays along with a letter specifying the individual fraudulent charges and their total. After several more weeks without contact or questions from the bank, I received another form letter from Barclays denying to honor the claim and ignoring half of the total value listed in my letter, which indicates to me that no one read my letter or really investigated anything. 

Please do whatever is in your power to encourage Barclays to follow regulations regarding fraudulent charges and credit my account {$9700.00}. 

Thank you, XXXX XXXX
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Citi Bank 's Sears credit card has breached contract. 
I accepted an promotional offer from Sears Card which offers 10 times ThankYou points for spending on grocery, restaurant and gas station for each month over {$1500.00}. Sears also offers 5 times ThankYou points for online shopping. 

I could have used other credit cards which offer rewards/rebate from 3 % to 5 % cash for spending in various categories such restaurant, gas, grocery and online shopping. 

I started to use Sears Credit card instead of other credit cards for food, restaurant, gas and online shopping. 

When Sears Card made the promotional offer which I accepted, my credit limit with Sears Credit card was {$3000.00}. The promotion offer covers spending on its card from XX/XX/XXXX, to XX/XX/2020. So, I have used Sears Card in last several months and I have earned ThankYou points. I made full payment every month, in particular, during the month of XX/XX/2020, I paid twice the amount of statement balance since I forgot the payment was scheduled, so I paid twice. 

Several days ago, while, my Sears credit balance was negative due to double payment, Sears Card/ Citi bank unilaterally reduced my credit limit from {$3000.00} to {$250.00} which limits my spending on this credit card. The reason given of the sudden change of my credit limit is due to an untrue delinquency report on my credit report. 

The consequence of not be able to use Sears card is that I can't earn XXXX  thankyou points. I have spent over {$1000.00} on Sears credit but would be short of {$1500.00}, I won't be able to earn XXXX  points which equates {$150.00}. I could have used other credit cards to pay for these spending and I could earn over {$100.00} cash rewards with other credit cards. 

Citi bank breached contract with me, as simple as that. 

Citi has two options to cure the breach of contract. First, restore my credit limit so that I can use Sears card to fulfill my spending commitment, then to earn my points ; or Citi awards me XXXX  points, I don't need to use Sears credit card. The only reason I use it is that it offers Thankyou points. 

I would lose reward ThankYou points worth of {$150.00} since Sears breached contract to reduce my credit limit. I could have earned cash reward with other credit card if I hadn't used Sears Credit card.
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Good morning, My name is XXXX XXXX. I am filing a complaint with Citizens Bank. 

I filed a claim for {$4000.00} on XX/XX/XXXX for fraud. I lost money to a scam on a dog walking app via a check deposited into my account Citizens Bank did not detect as fraudulent. The claims department took ten days to investigate and sent me a letter on XX/XX/XXXX saying " Records indicate that you engaged and authorized the transactions '' and as a result they didn't credit me the {$4000.00} I lost to fraud. 

They also said that someone from the claims department was going to call me to further explain their decision. Someone called on XX/XX/XXXX via an unknown restricted number. I didn't pick up because it was an unknown number. They left a message asking me to call them back. I tried calling back but couldn't since it was restricted. 

I have called Citizens Bank customer service nearly every day since. Every time I call they say they'll escalate it to claims and someone from the claims to department will reach out in 2 business days. I asked if there was anyway I could reach out to claims and they said no since they were all working from home because of the pandemic. The only way to get in contact with them is for them to call me. It's been over two weeks an no one from claims has reached out!

Someone from the customer service department in claims even notified their manager to get claims to reached out and claims still hasn't done anything!! 

Background about the scam : I XXXX XXXX XXXX through an app called XXXX. A person named XXXX reached out to me on XX/XX/XXXX asking me to XXXX XXXX XXXX and to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( Which I thought was kinda weird but figured was harmless cause its a XXXX XXXX app ). He was moving with his family from XXXX to XXXX which is where I live. He sent me a check of {$3900.00}. I kept {$80.00} of that for the money I would make XXXX XXXX XXXX. When it was deposited he texted me saying his wife found a better deal elsewhere where he got a 30 % discount on the dog food and to send the remaining {$3900.00} to a woman in XXXX Alabama. I did that and incurred a sending fee of {$120.00}. Then when that was sent to her he texted me saying something wasn't working on his end and emailed me a new check. I went to deposit it yesterday morning ( XX/XX/XXXX ) and my bank said it wasn't real and that the check deposited was fraudulent and I had fallen for a scam and lost {$4000.00}. Because the check was fraudulent ( and technically never existed ) {$4000.00} of MY money was taken out of my account and wired to the scammer in XXXX Alabama.
Consumer complaint received 2020-12-15
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-06-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

TWO TIMES NOW I HAVE TRIED TO DISPUTE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MY ACCOUNTS I NEED THESE ACCOUNTS REMOVED OFF MY REPORT I HAVE NOT LIVED IN THE XXXX AREA I HAVE FAMILY THERE BUT NOT ME I DO NOT KNOW HOW THESE ACCOUNT POPPED UP ON MY REPORT PLEASE LOOK IN TO THIS MATTER.