davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-27
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: CITIZENS FINANCIAL GROUP, INC. (NJ)

I have wrote to your company a few times and the last time was in XXXX of this year. I send you all of my information bank statements showing you and Citizens One Bank the same thing. They kept asking for a extension but only to come up with a lie on record. I send. the proof in your files showing that they have a payment that they kept and did not applied it to my account but keep marking my account of being late. Your office told me that they can't make them respond because they did it once. I need help they have lied to you and made your office look like a joke. Who can I turn to to get some help. I was given a few numbers from your office but they can't help me because I'm not late on my payments or in Foreclosure. I have been dealing with this for years but now you have the proof in your files showing that they lied and don't care about me or your office. Please tell me who can I go to for help in addressing this on going problem. I wrote to their XXXX XXXX XXXX XXXX they said that they would look into it but you see what they send you. It looks like someone at the Bank is stealing funds and they don't want to address it. 
Can you please direct me to someone or a company to can look into this matter.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CO)

Criminal Enterprise - Experian. I signed up for a credit report/Fico and while I apparently thought it was a one-time report, it apparently ( no doubt small print somewhere on payment page ) was a monthly recurring charge. Then when i saw these charges on my VISA, I learned that YOU MUST CALL XXXX NUMBER TO CANCEL. They have the most fantastic, most robust, most functional website on the planet, except you have to call XXXX, WAIT 30 MINUTES ON HOLD, to cancel!!!!!!
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Shows a recent payment of {$51.00} updated XX/XX/XXXX causing my scores to drop XXXX points each month. Last payment reported is XX/XX/XXXX. I have reported this on numerous occasions and filed multiple complaints with CFPB and all credit reporting agencies. This company is constantly reporting inaccurate data and affecting my credit profile as well as my credit score. This account is to be permanently removed off my credit profile due to multiple monthly reporting errors. I have file multiple disputes with Experian, XXXX and XXXX over this inaccurate credit reporting with this company. They are willfully violating the FCRA. I will also be making a complaint to FTC and XXXX. If this account is not removed I will be reaching out to a consumer rights attorney and filing a lawsuit in regards to this issue.
Consumer complaint received 2020-12-27
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: Santander Consumer USA Holdings Inc. (CA)

My Credit Profile has been damaged by Chrysler Capital with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently Chrysler Capital reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.
Consumer complaint received 2020-12-27
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. (NJ)

For over 2 years I have had to deal with a Credit Rating that has been destroyed by XXXX incompetence. In short my 830+ Credit Score is now at XXXX and struggling to recover due to XXXX XXXX. Thankyou for at least reading this far. 
In short, I was moving homes and requested to cancel XXXX XXXX. 
I followed requested process and in fact waited 3 times for someone to collect unit as scheduled ... no one ever turned delivered myself to XXXX location. While dealing with this over the few week I was billed by XXXX for another month. Despite all the " promises '' this will be rectified NOTHING was done. Instead XXXX sent collection notices ( adding insult to injury ) which I refused to pay out of principal ) Consequently this referred to various Collection Agencies who passed the SAME DISPUTED account around, each time impacting Credit Score ..Finally out of frustration I paid bill but damage has been done. As you will see from all my active accounts and my long term payment history with EVERYTHING ELSE has been stellar ( hence my original XXXX Credit Score ) yet my scores with XXXX, Equifax and XXXX remain low and yet to be corrected. 

One has to question the accuracy and integrity of the Credit Agencies ( and why I am registering this complaint after two years +of frustration ) as to how ONE DISPUTED XXXX bill for {$100.00} outweighs payments for numerous other accounts including mortgages involving thousands of dollars paid fully well in advance. 

My Credit rating has not been corrected nor fairly represents my " payment character '' which impacts me any time I look to apply for anything that requires a Credit Rating search to be done. 
Hopefully something good will come of this to protect other customers. Thank you. 
XXXX XXXX
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I filed a claim with BofA on XX/XX/year> for an atm error in amount of {$500.00} from a XXXX atm. I did not receive the funds. On XX/XX/year> I called to enquire about the temporary credit for the {$500.00}. I was told that I never filed a complaint and that I would have to file a new complaint on XX/XX/year> and wait another ten days for possible credit. I filed the dispute originally on XX/XX/year> and verbally gave the dispute to BofA over the phone. They confirmed they had record of the dispute but insisted it was cancelled. This is in clear. Violation of reg e. Its been 13 business days since original dispute was filed and Ive not received a credit.
Consumer complaint received 2022-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

My mortgage servicer, Fifth Third Bank, has failed to make any of my property tax payments and I have now received delinquent tax bills and letters from debt collectors attempting to collect my property taxes. I initially notified Fifth Third in XXXX when I received my first unpaid tax bill letter from my county. The letter stated that if the taxes weren't paid by XX/XX/XXXX, that they would be considered delinquent. I forwarded all documentation to Fifth Third Bank in hopes that my taxes would get paid, but in XXXX I then received a letter that my taxes are now delinquent. I then received unpaid tax bills from my township and school district. I again forwarded all documentation to Fifth Third in hopes that bills would be paid. As of XX/XX/XXXX, I am now receiving letters from a debt collector attempting to collect these tax payments. When documentation is submitted, apparently no one is taking the necessary steps to get my property taxes paid in a timely manner. The last home I owned was serviced by another mortgage company and in the XXXX XXXX years I owned that home, I NEVER had to call regarding payment of my taxes. Everyone at Fifth Third is " shocked '' that this mistake has happened. They've all agreed this isn't standard practice, but as of XX/XX/XXXX, my township and school taxes are still not paid and when I called today, the supervisor told me " my case manager for my escrow account has not yet looked at the item today and they will get back to me when they get a chance ''. Obviously there is no sense of urgency on their part to get this taken care of and it's truly frustrating that I have had to call so many times over the last XXXX  months to try and get my taxes paid by a company who is paid to service my loan and manage my escrow account.
Consumer complaint received 2015-07-04
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I DID NOT SIGN ANY LOAN DOCUMENT OR A PIECE OF PAPER FOR REPAYMENT IN RELATION TO ACCOUNT ENDING NUMBER : XXXXSINCE XX/XX/XXXX I PAID OUT MY HOME LOAN WITH INTEREST 4.875 % ALMOST XXXX TO THE DIFFERENT BANKS UNTIL IN XX/XX/XXXX I REQUESTED IN REFINANCING MY HIGH INTEREST RATES FROM HELOC UNDER {$180000.00} TO LOWER OR CUT DOWN AND WE DID NOT RECEIVE ANY NOTICE OR CLOSING STATEMENTS OVER 90 DAYS AND BANK CONSTRUCTED A BAIT AND SWITCH LOAN AS PREDATORY WITH UNCLEAN HANDS AND WE PAID ALMOST {$200000.00} INCLUDING WITH ALL KIND OF FEES AND BANK STATED THAT I STILL OWES THAT OVER {$300000.00} IN ADDITION WITH ILLEGAL ACCUMULATED-INTEREST OF USURIOUS PRACTICES OR UNFAIR DEBT ( IMPOSSIBLE PERFORMANCE ) IN OUR LIFETIME FROM YOUTH TO SENIORNOT ONLY STRIPPED OFF OUR MANY YEARS OF ACCUMULATED-EQUITY BUT ALSO INCREASED INTEREST RATES GOING UP 1 % IN VIOLATION TO TRUTH IN LENDING ACT ( TILA ) AND REGULATION Z WITHOUT OUR CONSENT- THAT IS A SLAVERY OF LOANI WROTE AT LEAST XXXX TO XXXX LETTERS TO COMPLAIN TO BANK FOR SO MANY YEARS BUT BANK ATTEMPTED TO COLLECT UNFAIR OF DEBT AND THREAT THAT LOAN IS IN FORECLOSURE WARNING THAT STATEMENTS MADE ME VERY HARASSMENT OR ABUSE AND I FILED COMPLAINTS TO MANY DEPARTMENTS OF GOVERNMENT SUCH AS CFPB AND DOJ AND STATE BAR OF CALIFORNIA AND XXXX XXXX BAR OF ASSOCIATION BUT BANK DID NOT CARE FROM MY COMPLAINTS AND I FOUND THAT BANK NEVER REPORTED MY HISTORICAL PAYMENTS TO XXXX MAJOR CREDIT BUREAU OVER 6 YEARS IN TRANSACTION IN VIOLATION TO FRCA
Consumer complaint received 2020-12-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/2020 I spoke with XXXX From the Collections department at Comenity Bank in regards to a XXXX XXXX Credit Card account. I owed a little over {$700.00} and had several missed payments. I paid {$200.00} to bring my account up to date, taken out of my account on XX/XX/2020. I also agreed to have {$120.00} automatically withdrawn from my account each month starting in XXXX. XXXX made note that after XXXX I would owe nothing! He said I may need to call in XXXX to let them know that I should not be charged any finance fees. I checked my account in XXXX after my final payment and found that I had been charged a {$35.00} late fee every month since XXXX because they had my payment due date as the XXXX of each month and my account was debited on the XXXX!! I would have never agreed to a day two days later just to keep paying a late fee! I have been scammed! I sent a message through the online message center. I was told to call. I called and was told that they would need to listen to my phone call because I probably chose that date! They said they would call back and see what they could do but could probably not get rid off the finance charges. They have not zeroed out my account yet and I do not want them to take another dime from me! I am scared that they will continue to debit my account every month forever! They misrepresented and lied to me. This was extremely shady and I would never trust this company and their collections department. I was doing the right thing and paying off my debt. I was scammed!
Consumer complaint received 2023-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (IL)

So a month ago I was logging onto Venmo to send my roommate money for our monthly utilities fee. And I realized my account had been frozen. When I checked my email, they said I violated some security and privacy thing. After checking through their list of restricted uses, it did not seem as though I violated any. I have reached out to them, only for them to confirm that I had violated something, and that they were now going to permanently ban my account. Now I have money still in my account. And I have tried to link my bank, and while they said that they would allow me to transfer money out of my account, I get to the final screen of linking my account, it says success only to tell me on the next page that there was an error linking your bank account. So now Im left, without my money, and without the service I use to pay my roommates. Both of which I believe to be unfair and unjust. And they are making it even more annoying by not telling me what I did specifically wrong.
Consumer complaint received 2020-12-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

XXXX XXXX calls numerous times a day from many numbers I have asked them not to keep harassing me to pay a bill with money I do not have during a pandemic. They also send mail despite me disputing and them not sending me the proof.
Consumer complaint received 2020-12-27
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2020-12-27
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: Experian Information Solutions Inc. (TX)

I have no clue what's going on so I have no choice but to file a complaint. XX/XX/XXXX, XX/XX/XXXX, and Experian have received my disputes XXXX2020 and still have not been able to give me my dispute results. Today is XXXX20 This is almost 2 months with no response. I found a ridiculous number on inaccuracies and misleading information that's making it hard to get credit. I found that the bureaus are in violation of the Fair Credit Reporting Act. I, the consumer have rights that are being violated under the FDCPA as well. The bureaus have 30 days to investigate pursuant 15 USC 1681i and failure to do so means these items should be promptly deleted. You are also in violation of my CONSUMER rights to privacy pursuant 15 USC 1692b. These violations make me think you have been practicing unfairly this entire time.
Consumer complaint received 2020-12-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

I have been trying to reach the branch manager for a week.I opened up a account XX/XX/XXXX online.The XXXX branch refuses to give me access to my account until i produce a social security card and utility bill.I currently don't possess a social security card.It is a delay in processing social security cards it takes months to arrive due to the pandemic.I offered commercial drivers driver 's license, I offered avalible proof from the social security administration.I offered credit cards, i offered photo copy of my social security card.i offered mortgage statement i offered property tax receipts, i offered real estate broker license, i offered vehicle registration, i offered homeowners insurance bill.Proof of address???? Only a utility bill nothing else??? A gross tenancy is when the landlord pays the utility bills and the tenant only pays rent.So if am under a gross tenancy i cant get my money out the bank?
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (IN)

Ally bank is holding my mobile deposit funds and are not following the statements in their mobile deposit agreement. The agreement states that partial funds will be released after 2 business days, and the rest of the funds after 5 business days. To someone who is struggling and received a loan check obviously for a reason, this is disheartening that a bank will hold funds for an extended period of time, going against what is promised to their consumers. I am demanding that the statement ls in their agreement be met on the consumers end. During a phone call on XX/XX/XXXX, I was promised that {$5500.00} would be available in my account today. I was then told today that NO funds would be available until XX/XX/XXXX. The check was deposited on XX/XX/XXXX. I have children to take care of and bills to pay and this is absolutely unacceptable. Ally bank is hurting their consumers with the failure to follow through on legal agreements!
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I opened an account with Care Credit ( Synchrony Bank ) to get credit to pay for a XXXX. I charged {$6000.00} to the card in XXXX, and was on a payment plan over 6 months to pay off ( {$1000.00} payments per month ). However, 2 instances of fraud have occurred on the card : 1 ) Someone else made 2 purchases at XXXX, {$200.00} and {$240.00}. 
2 ) Someone else made 2 payments to the account, {$3600.00} and {$1400.00}. 

I called Synchrony twice, once to report the the fraud at XXXX, and a second time to inform them I did not make the payments to the account. Both times they said they would remove the transactions, which, rather than removing, they instead just added a debit or credit to cancel the fraudulent transaction out. This did work for the XXXX purchases. But for the payments, they debited the account TWICE, so instead of canceling out the {$3600.00} and {$1400.00}, the account now had an additional {$5000.00} balance on it, which is now accruing interest month over month. So now, my account not only has an extra {$5000.00} charged to it, but I'm now getting charged interest for charges I did not make. 

I called Synchrony again to request resolution, and they told me it would get fixed. They did credit the first two interest charges, but because they did not accurately remove the additional {$5000.00} charges, it's still accruing interest ( {$82.00} and {$460.00} ). It's now been 6 months and it's still not fixed. I should only have {$1000.00} left to pay off, and yet my balance is {$5500.00}.
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Google Compare Credit Cards Inc. (PA)

On XX/XX/XXXX I reached out to the team at GOOGLE XXXX  about my homes thermostat app no longer working properly This no longer allowed me to change my homes temperature remotely. I was then informed by a team member that my unit was part of group recall. 

I asked what would be the protocol with swopping out the defective units. I was then informed I would need to pay nearly {$300.00} up front first, then send the unit back before they would release a new unit out. Once the new unit was sent out I would get a refund once the old unit pass through inspection Thus I was completely shocked with the companies remedy to fix a know problem. I then asked to escalate my concerns to manager because I didn't feel like the fee was fair to me the consumer. 

Its now XX/XX/XXXX and I still haven't heard back from a manager. I have called back several more times speaking with different associates, yet no manager.

My units internal battery now randomly dies, thus not allowing me to check the temperature in my home for 3-5 hour while the unit recharges. 

Case ID XXXX
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I filed for a fraud claim, at the time my card was with me but purchases to places I had not been but do frequent we're charged to my card. The claim was closed and I was charged back in the amount of {$250.00}. There was no paperwork sent to me regarding this. The representative was not helpful when it came to this and was claiming information that I did not have that the claimed I do. Upon searching for this information they claim I have I can not find any records of it.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I wasnt aware I had a balance on my card as I had paid it off and thought I had closed the account. Then, I learned I had an annual fee that was past due. Once I realized it, I paid the amount due and decided I would go ahead and keep the card. When I paid it, I assumed everything was taken care of and fine. I had no idea Barclays reported to the credit bureaus that I went 30 days past due. If I had realized that I would just called and closed my account as I was told Barclays would have waived the annual fee, any lates fees assessed, and removed any negative marks from my credit. 

All I ask is that Barclays please removes the 30-day late mark from my credit report due to the annual fee.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

I am opening up a second complaint against Chase because they corrected an error with an error. I have called, faxed and sent, via, USPS my dispute with no resolution. Attached is the communication I sent Chase.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. XXXX  XXXX  XXXX : Account # XXXX- Inaccurate information reported. This account should be removed from my report. 
XXXX-XXXX  : Account # : XXXX- Inaccurate information reported. This account should be removed from my report. 
XXXX XXXX XXXX : Account # : XXXX- Inaccurate information reported. This account should be removed from my report. 
XXXX XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.