davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

After a pre-approval for the mortgage, I sent the signed sales agreement in on XXXX. XXXX, 2021. I had no response until the second email on XXXX XXXX. The whole process was one of not getting a response to phone call or email. Sometimes he would respond almost a week later. On XXXX XXXX th. - XXXX  days before closing- they asked for more documents to complete the loan. I sent some and my previous bank sent the rest on the XXXX. When I asked if they received the documents there was no response. On the day before closing they finally respond and say they couldn't open the email and don't have the required documents. And closing date has to be pushed back a week. We still didn't have closing and I can't get in contact with them. Overall it was a terrible experience and one of trying to get them the needed documents. They usually did not acknowledge whether or not they received an email until a couple days later. Some of the documents they ask for I had already sent previously. They still have not confirmed that they have all the required documents. - I can't send the documents if they don't tell me what to send-. I tried to contact the manager and just received his voicemail. I left him a message and he never returned my phone call. I do not reccommend dealing with this bank for any lending services.
Consumer complaint received 2024-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I never live in Texas. Someone using my credit to apply the utility company and not paid bill. Original Creditor is XXXX XXXX XXXX  XXXX. 
The amount is {$1100.00}. A collection agency is now pursuing the debt. 
The company name is LVNV funding LLC. C/O Resurgent Capital Services . XXXX XXXX XXXXXXXX, XXXX, SC XXXX. It damaged my credit score. 
I disputed with three credit reporting agencies. 
I never not paid any bill.
Consumer complaint received 2021-11-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I went on my email last year, and a notification came up to pay a app bill. But the whole time it was a scam, so i put in my bank information for what i thought i had to pay. So whoever sent the email took my bank information and did fraudulent checks and closed by fifth third bank account. I cleared up all the money that was owed, and have no debt. I have been trying to open up a new bank account but i cant since my fifth third account i had under my record says checking account fraud. Could you remove it off my record i payed off the debt and would love to open a new bank account.
Consumer complaint received 2021-11-24
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)

Equifax refuse to add my current open credit card account from XXXX XXXX XXXX to my credit report even after my report is being reported by XXXX every month to Equifax. Also even after XXXX credit card department contacted Equifax to put my credit card account back on my report which was never suppose to been removed.
Consumer complaint received 2023-01-15
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. (IN)

I have been contacting and sending documentation to the 3 credit bureaus for over a year now about my credit report and how things are not correct on all 3 bureaus. They keep giving me the runaround and not fixing the problem which they are supposed to do by law. I am in distress and I am suffering physically because my life is getting worse. I need you to step in and enforce the law. Help me please!!!
Consumer complaint received 2021-11-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ross Morgan & Associates, LLC (UT)

XXXX contacted me from a restricted number. Gave a case number and a phone number to call back. She cited she was with the XXXX County Clerks Office in Utah. Upon calling the number back I spoke with XXXX XXXX on multiple occasions. He cited all my personal information to me and told me I owed {$540.00} and wanted me to pay it over the phone or he was going to take me to court. I said I wasn't comfortable with that but I'd mail a certified check after receiving proof the debt was legitimate. He got very angry with me and told me he was refusing my payment and he wouldn't take payment via certified check and he was taking me to court and hung up on me. XXXX cited he work/owned Ross Morgan amd Associates and was an attorney. I have researched the company and there was a business entity listed in California that just registered on XX/XX/2021. There are multiple complaints concerning XXXX calling using scam tactics to collect supposed debts. In any case he is either trying to scam me or by the Extinguishment Of Obligation Law XXXX XXXX XXXX XXXXXXXX  he refused my payment with no just cause. I'd like this investigated. His business is registered in California under Ross Morgan and Associates address is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. Phone number I was told to call and eventually got a hold of XXXX XXXX. Registered agent listed is XXXX XXXX owner listed as XXXX XXXX.
Consumer complaint received 2021-11-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

My Toyota Financial Service account has been paid as agreed every month until the account balance was finally settled in XXXX 2021. The account is now closed, I have received the car title from the XXXX, etc. and everything is good on that end. 

However, I am showing a XXXX day late marker for the month of XX/XX/2021 despite the fact that the amount agreed upon ( as attached in the document uploaded ) was made prior to the XXXX day late deadline. 

I have inquired about this with Toyota ( over the phone ) and the only avenue they have provided is for me to dispute it with the credit bureaus. I have done this and somehow the verdict is still the same, no updates to my credit report. 

I would like for Toyota to properly review my account and determine if there was an error made on their part or some oversight on mine. As far as I can tell, this is pretty straightforward since the transaction history provided by Toyota shows me in the right.
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc. (SC)

I've contacted kickoff and expressed my concerns about the inaccurate information that is reporting negatively on my credit report. Its several accounts reporting different amount on my XXXX report it shows 2 accounts one closed and open but reporting two different amounts. I've sent documents to show to the inaccuracy on my credit report. My XXXX is filled with same inaccuracy.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AZ)

I am a victim of bank fraud of a Chime Financial impersonator who used the Chime mobile text and phone number of the real Chime. Please read my statement and see supporting documentation. I am requesting a full refund of the amount of {$4000.00} from Chime financial.
Consumer complaint received 2021-11-23
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)

I have sent Equifax XXXX separate certified letters on XX/XX/2021 and XX/XX/2021 that were signed for and received on XX/XX/2021 and XX/XX/2021 ( and I have proof ) regarding the negative and incorrect reporting of a {$2400.00} charge off on my credit report regarding an account from XXXX XXXX. In my XXXX dispute letter I let them know they failed to comply with the law and they must now remove the item from my credit report, yet is still being reported. They have responded both times within XXXX  days but failed to provide me with copies of any documentation associated with this account, bearing my signature which is a violation of federal law. Therefor they were supposed to immediately delete that information off my credit report. I clearly also stated I did not consent to XXXXr or any other automated means of verification. Attached you will find proof of both of my letters sent via certified mail and proof of being signed for via certified mail receipt.
Consumer complaint received 2021-11-23
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)

I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE A FEW ACCOUNTS ON MY REPORT XXXX  XXXX AND XXXX XXXX THESE ACCOUNTS DONT BELONG TO ME. I HAVE MADE SEVERAL ATTEMPTS TO THE CREDIT BUREAUS THAT ARE REPORTING TO VERIFY INFORMATION THAT IS CLEARLY INACCURATE. THESE ACCOUNTS ARE REPORTING INCORRECTLY WITHIN ALL XXXX XXXX IF INACCURATE INFORMATION IS BEING REPORTING IT IS GROUNDS FOR REMOVAL. I HAVE SUPPLIED POLICE REPORTS AFFIDAVITS AND TRYING TO HAVE THESE ACCOUNTS REMOVED THEY ARE GOING AGAINST OUR CONSUMER RIGHTS.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with TransUnion. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa Federal Court in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to TransUnion, nor has TransUnion requested the information, I called TransUnion and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. She stated they verified this information through XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed them a copy via certified mail. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), TransUnion never marked my credit report as being disputed either.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

In XX/XX/2021 our home loan was excepted into a modification plan for missed payments due to XXXX. We were placed on a XXXX month trial with the first payment due XX/XX/2021. In XX/XX/2021 our loan was transferred to a new servicer ( ShellPoint ). I made several attempts to make contact with Shellpoint regarding my XXXX payment that had not shown on our account, I was on hold for as long as XXXX minutes and then be disconnected. When I was finally able to speak to a representative I was informed that my modification had been cancelled for lack of payment. I explained to the representative that I was not notified of this. As I investigated further Shell Point has been sending my statements to an address that I have never been associated with. Even after bringing this to ShellPoints attention, they continue to send my personal information to other addresses. On XX/XX/2021 I discovered that they have sent another statement to the wrong address. They will not except my monthly payments to all back payments are made
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i filed a complaint already with the XXXX back in XXXX of XXXX  bank of america has not responded and if im not mistaken, bank of america had XXXX days to respond. its nearly XXXX months pass the deadline. i dont know what to do next. i need my money
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Your company incorrectly reported the months of XX/XX/2021 and XX/XX/2021 as XXXX days late to the Credit Bureau. Your representatives stated that the Forbearance program that I was under due to Covid hardship had ended. She said the program had ended and my only option was a loan modification program. I promptly completed and submitted that application for your review. I called weekly for an update on the process and requested documentation ( a reference number or submission number ) for which I was told there was no documentation and no decision had been made. I finally spoke with XXXX on XXXX who told me a decision was made on my account on XXXX to place me back in the same Forbearance program that I had been told had ended. Meanwhile, while waiting as instructed for a decision about the direction on my mortgage account your company reported my mortgage as XXXX days late XXXX. This is patently unfair and is negatively impacting my credit account which was protected in the Forbearance program. Im writing to have you correct the XXXX XXXXday  late payments with the Credit Bureaus as that was not my fault for nonpayment.
Consumer complaint received 2021-11-23
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. (IN)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

I recently received a copy of my credit report and I noticed some account on my consumer report that should not be on there. This agency is in violation of XXXX XXXX XXXX. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}. The reporting of these account is a violation of XXXX XXXX XXXX, and the Fair Credit Reporting Act " XXXX XXXX XXXX a XXXX b '' ( See below ) Exclusions Except as provided in paragraph XXXX, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit issuer or debtor has not issued a 1099C " cancellation of debt '' tax form since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a XXXX tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OPTUM BANK, INC. (CO)

I called them today to have them change the address. They refused to accept the info to send me new card since this card was expired. The card was from XXXX  XXXX for the XXXX... money goes into the card for medical purposes so when I tried to use it last XXXX or XXXX, 2021. It was not working. The money is still there..about {$330.00} or under. The call staff wont mail me the new credit card and wont change my current address. They have my old address which I do not even remmy which address they had. They refused help me further and are WITHHOLDING MY XXXX MONEY! My own money!!
Consumer complaint received 2019-12-09
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: Avantus, LLC (MI)

AVANTUS LLC Hard Inquiry - XX/XX/2018 Unauthorized Credit Inquiry! 

I sent out dispute letter asking for removal of unauthorized hard Inquiry on my XXXX   credit report. I also had my letter notarized.
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (IN)

Since XX/XX/2019, I've been trying to get a few debts removed from my credit report. I've been disputing debts from XXXX, XXXX on my Experian credit report. I've been blocked by Experian to where I can't file another dispute with them and I've stated in each dispute and in a direct email that I never received a bill for these debts and that keeping fraudulent debts on my credit report is illegal and would be reported. To date, they still choose not to reply and not to remove them. I've contacted both Experian and XXXX and asked for information about these debts and I've received nothing from either one.. I want Experian ordered to remove these fraudulent debts from my credit report or to be held liable along with XXXX, XXXX if they do not comply. It's really quite difficult for a debt to be considered valid or verified if the consumer never received a bill or any information about the alleged debt.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I signed to my account yesterday and tried to make a transfer to XXXX XXXX XXXXXXXX ( to the same account used to find the Citi account. The system did not allow me to do that and gave an " XXXX '' error, indicating that I should call the bank I did call the bank and indicated that I also wanted to close the account. The representative did not seem to understand me and we ended the call. 
Called today and seems that I was routed to the right person : they informed that the account was " under investigation '' and that I could not do any transactions until the investigation is over ( estimated between 30 and 60 days ). 
I have {$10000.00} in the account that now Citi gets to keep ( I am sure without interest ) until they complete an investigation that I don't know what it is about.
Consumer complaint received 2022-01-25
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. (ID)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/21 I went to the Fifth Third bank branch in XXXX XXXX XXXX I opened a new checking account with a promotional offer code. I met the terms of the promotional offer code on XX/XX/21. Per the promotional offer terms, I was expecting a {$250.00} bonus to be paid XXXX days after XX/XX/21. I have not received the {$250.00} bonus as of today, XX/XX/21. I have contacted XXXX XXXX multiple times via their app, phone call to their customer service, phone call to the XXXX XXXX XXXX, & via email to the XXXX XXXX branch. I was told that the promotional code was not used when I opened the account ( although I have email proof showing it was ). I was told the {$250.00} bonus would be paid after XXXX days ( although the offer terms stated XXXX  days ). It has been more than 60 days. Fifth Third bank closed all of my accounts ( without my permission or informing me ) and is supposedly mailing me a {$250.00} check ( per a phone call with the branch on XX/XX/21 ). I met the terms of the offer, please give me the {$250.00} bonus. Thank you.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

My Chase Sapphire XXXX was compromised ( twice in about a XXXX month period ). I received an email flagging a transaction and confirmed that the transaction was fraudulent. When I looked at my account, I discovered additional unauthorized charges and that, as part of the compromise, XXXX points were fraudulently redeemed from my account. 
When I spoke to a Chase rep on XX/XX/XXXX, I was told that the points would be restored in XXXX to XXXX that all charges would be removed. The charges were removed but the points have not been restored. I also requested a new card which I have still not received. 

I would like assistance is having my points restored, and in canceling this card, and receiving a refund of my annual fee. Chase apparently has a security issue that they do not care to remedy, and their customer service is unresponsive, and either untruthful or incompetent. 

Thank you for your assistance.
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (TX)

Experian shared my report without my permission on XX/XX/2017 to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX used my report without my permission on XX/XX/2017. Why?