davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XXXX XXXX I opened a 10 month cd at Citizens Bank paying over 5 % interest. The amount of the cd was about {$50000.00} and it accumulated $ XXXX {$240.00} a month in interest. I never received a renewal notice at the end of the term from Citizens Bank and they renewed the cd at a rate of .25 % which paid {$11.00} a month in interest. This continued for XXXX  months. I contacted them last week and they told me they would not retroactively adjust the rate to the market rate of more than 5 %. I spoke to the manager and asked to speak to his boss when I was not happy with his response. He would not give me his boss 's telephone number but said he would call me if I gave him my number, which I did. I never received a call from him. What a surprise. I did ask the manager to produce a copy of the renewal letter which he tried to find online but was unable to locate it. This all took place at the branch in the XXXX, XXXX. I then called an XXXX number for customer service and spoke to a representative. This person basically said this is what transpired too bad. I have no other option but to try your office to recover an interest penalty of {$44.00} and an early withdrawal penalty of {$50.00} plus XXXX months lost interest of {$450.00} for a total of about {$550.00}. It just doesn't make sense to think in any way it was reasonable to renew the cd at a rate of .25 %. There is no way this can be justified. Thank you for your help. You can't treat customers this way.
Consumer complaint received 2023-05-30
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. (FL)

At this time, I have initiated a civil suit against Trans Union , LLC for improper and accurately reporting on my consumer report. Not only that, but has in XXXX on my privacy rights as a consumer, by constitution, and pursue it to state and federal state law. Trans Union continues to personalize and give an accurate investigations due to their personalize criteria. If XXXX and fdcpa distinctively protects the rights of consumers in the privacy of their information. Enclosed, you will find the summons and attachments.
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

A bona fide dispute letter was sent to Pennymac Loan Services on XX/XX/XXXX with no response from them regarding the issues. Payment was also made to them on XX/XX/XXXX which was never cashed by them. I also rescinded my signature on all mortgage documents but I am still being harrassed by them.
Consumer complaint received 2023-02-09
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Please Remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (MD)

On XX/XX/XXXX, I purchased a product from a website. This website had a phone number and address. A representative called me and offered me a 15 % discount if I paid by XXXX which is a service offered by PNC bank. After payment was made, I received a shipping update and then nothing. The business phone number has since been disconnected. The amount of money lost is {$330.00}. I contacted XXXX directly and THEY stated that I had to contact PNC for a claim. On XX/XX/XXXX, I contacted PNC by phone and opened up a claim. I was told that the {$330.00} would be returned and a investigation would be opened. I offered copies of my documentation but they declined stating, " we wont need it ''. On XX/XX/XXXX, I received a letter from PNC stating that my claim was denied because the purchase was valid? I am pursuing the original company but PNC needs to offer a certain level of protection to it's customers. Scammers use XXXX because they can get away with ripping people off.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX account ending in XXXX, which was charged off. 

XXXX. XXXX XXXX account ending in XXXX, which was also charged off. 

XXXX. XXXX account from XXXX XXXX XXXX ending in XXXX. 

XXXX. Collection account from XXXX XXXX XXXX  XXXX XXXX A ending in XXXX. 

XXXX. Collection account from XXXX XXXX  ending in XXXX. 

XXXX. Charge off account from XXXX XXXX XXXX XXXX. 

XXXX. Charge off account from XXXX ending in XXXX. 

XXXX. Inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 


I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX BXXXXnk XXXX XXXX XXXX, XXXX Bank, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 

I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In accordance with the Fair Credit Reporting Act, the creditors have violated my rights.

Under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

11.9K 15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end consumer credit plan as late for XXXX copy it and put it in that XXXX XXXX and purpose.
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

I am a resident at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To be clear, I am a shareholder, not the property manager of the building. I own a XXXX apartment within the building. 
On XXXX I received information that I was being charged XXXX separate payments of {$57000.00} from the XXXX XXXX XXXX XXXX, through my mortgage company, XXXX. This was the quarterly taxes of the ENTIRE building, that I was now being held responsible for. The tax department of the city negligently sent my mortgage company the charges, and they paid these charges without alerting me of the changes or charges and it is showed for months on my loan that I owed this money. After a very long exhaustive process of trying to get to the bottom of the issue, we never found it but were able to resolve with another parent company of XXXX, XXXX. I was charged $ XXXX to my bank account and still had the records of owing over $ XXXX on my mortgage statements. I eventually got that money back and though the taxes owed were taken off, you can still see that history in my mortgage statements. As of XX/XX/XXXX, I have now received my XXXX XXXX a year later and in XXXX XXXX it states I paid {$57000.00}, which is false. This company has several class action law suits against them. I am unable to move to another company. They and my property management team ( XXXX XXXX ) have done nothing to assist me then and aren't assisting me now.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

I am disputing the date Synchrony Bank ( CareCredit ) credited my account resulting in the expiration of a deferred interest period. The date the transfer was that was made on XX/XX/, the last day of the expiration of the deferred promotional interest period. The balance amount of the transfer was {$6200.00}. This transfer was completed and owed to XXXX XXXX on XX/XX/, as shown in my statement from them. Synchrony Bank didnt post or credit the account until XX/XX/ thereby initiating the deferred interest to be reapplied to the account. 

The payment was made on the XXXX, or sooner, by XXXX XXXX on my behalf. Major problem here is that I had the same debt owed to XXXX separate creditors on XX/XX/. Which constitutes being double billed for the same debt or balance on XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have encountered an issue with TransUnion regarding their failure to remove inaccurate account information from my credit report, despite clear evidence provided that supports my dispute. XXXX and XXXX have already acknowledged the inaccuracies and have accordingly removed the disputed accounts from their reports. However, TransUnion has not taken similar corrective action, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ).

Specifically, under 15 U.S.C. 1681i ( a ), credit bureaus are required to conduct a reasonable investigation of disputed information within 30 days and remove or correct any inaccuracies. Despite submitting proof of the inaccuracies, TransUnion has failed to remove these disputed accounts, which raises concerns of non-compliance with this provision of the FCRA.

Moreover, the continued reporting of incorrect information by TransUnion contravenes 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to ensure maximum possible accuracy in their reports. This persistent inaccuracy in my credit report is causing me undue financial harm and could unjustly affect my credit score and borrowing capabilities.

The lack of action from TransUnion seems to constitute a willful neglect of their obligations under the FCRA, potentially subjecting them to legal liabilities as outlined in 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ). Given the evidence I have provided and the corrective actions taken by XXXX and XXXX, I expected TransUnion to comply with these legal standards and correct my credit report. 

I am seeking the intervention of the CFPB to ensure that TransUnion adheres to the FCRA 's requirements by conducting a proper investigation into my dispute and by removing the inaccuracies from my credit report immediately. The failure to correct this information not only violates federal law but also continues to unjustly impact my financial well-being.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (PA)

One Main Financial refused to refund me the interests paid on the loan already paid. The account had been paid in full, with additional interest paid out of pocket. They are also reporting inaccurate, negative information on my personal credit report causing grave stres when applying for credit. They refuse to send me my XXXX title, and refund me my money already paid ( interest ) on a loan that was already paid.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC. (CA)

I scheduled a payment on Ally Bank app for a bill payment of {$1600.00} on late XX/XX/XXXX. There was no mention of fee {$9.00} from picking the payment date to submission, but I was charged fee of {$9.00} later. I called the bank immediately after seeing the fees and asked them to cancel the transaction on early XX/XX/XXXX, but they can not cancel it with an apology that I should wait for the payment and fee to post to call Ally bank for the credit and this inconvenience was called by their app. I tried calling Ally bank on XX/XX/XXXXXXXX  for the same issue, putting in hold for a very long time for submissions of {$9.00} refund request. The phone representative said it would take a couple days for the credit to appear but after waiting for 7 days I still dont see it yet.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ME)

Ive received numerous phone calls from Portfolio Recovery nearly every day for more than three years but I do not owe any debt in collections. Ive verified this through personal records as well as through third party credit reporting services including XXXX and XXXX. Ive been unable to speak to anyone at Portfolio Recovery to resolve the situation, nor have I been able to block all of the dozens of phone numbers they use. Its truly harassment, especially considering they have no legitimate reason to continue contacting me.
Consumer complaint received 2023-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I had made a payment arrangement to pay taxes on my property to XXXX XXXX in person. Loan Depot came in and paid not only the taxes due on the property but over a years worth of taxes ahead saying that they were setting up an escrow account. Not only did they add double the amount of taxes to that escrow account but they also charged me {$7300.00} ( a years premium ) for insurance for which I already have and paid for. They never have sent me any paperwork regarding the insurance that they supposedly got for the property and charged me for. I have a policy with XXXX insurance currently on this property. These actions have caused my mortgage payment to jump from {$1800.00} per month to over {$4100.00} per month because of the mandatory impound account. The biggest issue is they will not allow you to pay less than the amount that they say is currently due. They are saying that I owe them 2 months payments of XXXX which is around {$8300.00} with the additional fees. They are not allowing me to pay the {$4100.00} they are saying that is late. They will only allow you to pay the full {$8300.00} or nothing. This basically insures that their victims can never get caught up.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

I received a Way2go card from the state of Oklahoma on XX/XX/2023 for the amount of XXXX dollars. The pamphlet states that the consumer can wire transfer funds to his or her checking account. I initiated the transfer on XX/XX/2023 and received an email from Conduent stating that the funds have cleared. I checked my checking account and XXXX has no record of a transfer and Conduent is holding my funds. When I called Conduent she asked for my SSN, birthdate, account numbers, and address and still did not process my transfer. I was told that I need to email Conduent my bank statements and driver license to get the wire transfer. I still dont have my money as of XX/XX/2023.
Consumer complaint received 2024-01-30
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: EQUIFAX, INC. (MS)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00}
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ME)

During a security clearance check for my employment ( I am a XXXX in the XXXX XXXX ) a collection account was discovered on my Experian profile showing I owe XXXX dollars for an XXXX XXXX XXXX in XXXX. 

I have lived and worked without any break in service since XXXX  in XXXX, XXXX and the XXXX. 

I am including my XXXX driver 's license showing I am a resident of XXXX now, since XXXX. 

A third party opened the account in my name without my knowledge or consent. 

This must be investigated, and removed from my profile since it clearly is, and never was my account.
Consumer complaint received 2021-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (IN)

Westlake Portfolio Management purchased my loan from XXXX XXXX in XX/XX/XXXX. I think XXXX went out of business. From the first statement an additional {$3000.00} was added to my loan balance. It still appeared after my 72nd payment of the 72 I had contracted for. 

On XX/XX/XXXX, I sent a letter to Westlake asking for my title after the 72nd payment and why there was an additional {$3000.00} on my account in the form of a balloon payment. I never agreed to any balloon payments nor was there any in the original contract I signed with XXXX XXXX. 

Since XX/XX/XXXX I have called twice and sent an additional letter in mid XXXX asking for copies of the documents proving the legal existence of the additional {$3000.00}. 

As of today XX/XX/XXXX, I have received NOTHING from Westlake related to my lawful request. By not providing the requested documentation, Westlake is in violation of the law. 

I think Westlake is running a scam
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XXXX of this year I would use my credit card/no interest bearing to make farm purchases such as fertilizer/seed on sale. It take 2-3 days to post on my account and then within a 2 week period I pay the amount off. TransUnion for the second time this year punished me for using my credit card by lowering my score by XXXX from XXXX to XXXX resulting in receiving an higher interest rate on a pending new equipment purchase which is now on hold. Never late, pay in full early. This act is fraudulent that it punishes me with higher loan rates for wisely using my credit short term on sale items which is cost effective. 
In the past XX/XX/XXXX I filed with the XXXX and TransUnion reversed and added to my score? Same fraudulent act being conducted. Including incorrect credit history period. 
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I have previously submitted documentation and successfully had these accounts removed from other credit bureaus. However, they continue to appear on your report, causing ongoing damage to my creditworthiness. I want these fraudulent accounts to be remove as what other bureaus have done. I am confused how these accounts keeps on persisting on your report when other bureaus already fixed the issue. Account Information : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX XXXX {$17000.00}. It is perplexing and unacceptable that your bureau persists in reporting these accounts, which not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also hinders my ability to secure credit and financial stability.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Re : Citibank I am adding supplement material about a complain I made yesterday, XX/XX/2023 Complaint : # XXXX I am attaching two on-line banking images of check # XXXX for {$10000.00}. that was deposited & cashed under the WRONG check number : XXXX. The two images of the cashed check is from my online banking, taken this morning XX/XX/2023. These screen shots display the cashed check and incorrect check number. 

For a bank to be so inattentive to an error like this, an error that could cost us the property that we are trying to buy is inexcusable. To not rectify this blatant error in a time of identity theft is beyond belief. To walk into a Citibank and to be sent to a corner to call a string of 800 phone numbers is beyond insulting. This is how Citibanks treat middle-class customers. I'll bet you a nickel that this problem would have been taken seriously for the billionaire class customer.