davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I called my mortgage company XX/XX/XXXX to make a payment as i was having troubles making a payment online through their website. I was told by a representative that i could make a partial payment of my total balance of that month and that i could make the payment difference by XX/XX/XXXX to not receive a 30 day late report on my credit. I attempted to make this payment by the XXXX while on vacation but was unsuccessful again with their online site. I called customer service to make the payment and opted to receive a call back because the automated system said there was wait times were longer then usual. Because ive done this before with this company and have received a calls back, but this time i didn't. I never received a call back for XXXX hours and when i did it was the automated system asking me to call them back. So i did and after going through verification i was told it was after business hours and i would need to call back the next morning which was difficult as I was leaving on a flight that night out of the country. I was not able to call and i was still having trouble making this partial payment of the difference on their website while out of the country so was left with any other choice but to contact upon my return. I called again as soon as i return to the states as i got off my plane before my next connecting flight, and spoke with a representative who was very rude and continued to cut me off as im explaining the situation and after confronting her about raising her voice she yelled and said " I could talk to you however i wanted '' and hung up on me when i requested to speak to a supervisor. I called AGAIN right after this to continue to make the phone payment, and then a representative informed me that partial payment should not have been taken in the first place and that's not how the company operates. I request to speak to a supervisor again in hopes to make my payment and hopefully get some resolve with the credit reporting, and was told i would receive a call back within the hour. I did not receive a call back once again. Upon finally returning home i call again and this representative also confirms that no partial payments should have been taken and that i was given wrong information and i proceed to make the with them as days have gone by of no returned phone calls from supervisors and it is only hurting my chances of fixing my credit further. The representative ensures me that i would get a call back within the hour, and AGAIN this does not happen. I have finally spoken with a supervisor today who was very kind but says they couldn't reverse or update the report.
Consumer complaint received 2022-01-28
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. (FL)

The accounts below are reporting on my personal credit file with EUIFAX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

=XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

There shouldn't be any payments or late payment reporting on my report 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2021-09-06
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I notified the credit bureau 's that I am a victim of identity theft and that my credit report reflects some unauthorized inquiries on my credit report. I submitted a copy of my identity theft affidavit along with my dispute and as of today XX/XX/2021 the unauthorized inquiries continue to report on my credit report.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citi Card Online has been making attempts to withdraw a payoff balance on my checking account three times now. The balance is from a credit card account owned by my mother and we originally had my bank account information listed to take out payments ( not for payoff ). However - my mother wanted to payoff the entire amount & mistakenly requested that from the bank that was listed on the credit card account, which was mine at the time. 

It was attempted twice, so my mother called Citi Card Online to make the change. The representative told her that the ONLY thing she could do was to have myself make a stop payment on my bank account - so that the payment request would bounce back to Citi Card Online. Ultimately, this meant I had to pay the fees for a stop payment with my bank so that Citi Card Online could stop the withdrawal attempts for an account that is not owned by me at all just because we had my bank account listed for monthly payments to be made. 

I called Citi Card Online myself to file a complaint - the representative, as it should be with privacy, told me I was unable to access the account without the account holder present, but I just wanted to leave a complaint regarding this issue. The representative then informed me, over a recorded phone call, that a stop payment with my bank was unnecessary and that Citi Card Online could just as easily have changed the bank account information and stopped any future attempts to withdraw from the previous bank account. My mother was NOT told this and she was told the only recourse was that stop payment with my bank. I have now had to spend over {$110.00} ( {$58.00} was returned to me generously by my bank, for the overdraft fees - but they are unable to remove the third attempts fee ) for an account that would have been properly paid off had they just told my mother that she could change the banking information, instead of advising her that a stop payment should be made on the bank account that was on file.
Consumer complaint received 2020-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WV)

Today, XX/XX/2020 I was scammed on paypal of {$35.00}. At the bottom of the page it says this website offers consumer protection so I am submitting a complaint in hopes of getting my money back.
Consumer complaint received 2020-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (FL)

Our current Escrow balance is in the negative due to a clerical error made by XXXX XXXX  at the time of the mortgage closing. We found out through a process of requesting PMI removal through XXXX that no PMI had been purchased. This occurred even though we made our monthly mortgage payment, which included the PMI payment every month. After XXXX realized their error, they tried to recoup the money for nearly a year worth of PMI payments. I have included a bulleted timeline of the events that led up to our escrow being in the negative. 

XX/XX/XXXX, closed on Mortgage - initial escrow deposit {$2300.00} Made mortgage payments of {$1800.00} each month, including {$270.00} XX/XX/XXXX, refund check issued for surplus of {$3600.00} Called to verify the escrow refund and a service representative at XXXX XXXX  claimed the surplus was due to overestimation of taxes, and explained that the taxes would increase the following year. ( See copy of Escrow refund letter provided ) XX/XX/XXXX, we requested PMI removal, upon which XXXX discovered that there was no PMI policy for our mortgage. 
XXXX XXXX sent a letter asking for {$4100.00} to cover PMI from XX/XX/XXXX XX/XX/XXXX. Even though the year had passed and all payments had been made. 
In XXXX a payment of {$4100.00} was made by XXXX XXXX  from my escrow account to back purchase PMI To get clarification of the status of our mortgage payment and escrow we contacted our underwriting agent ( XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX, FL. XXXX, XXXX ) He was apologetic for the mistakes but claimed that nothing could be done until the Ameris merger had been completed at the end of XXXX. 
End of XXXX, XXXX new tax assessment was withdrawn from Escrow. Plunging the negative balance even further. 
As you can see, the initial error was XXXX never ordering PMI. The second error made was when the escrow refund was issued failing to recognize that PMI had never been ordered. The third error was made by trying to back purchase PMI to the escrow account. I know I am not in the mortgage business, but it does not take much more than common sense that insurance does not need to be purchased for something that has already passed. I paid my mortgage for 11 months, why would XXXX need to go back and purchase insurance on something that had already happened. XXXX should have taken the loss as acceptance of their error and purchased a new policy for future payments, not past payments. Now, because of such a snowball roll of errors, timed perfectly with tax payments, my escrow is severely in the negative, I can not afford to have my mortgage increased by a XXXX dollars a month because someone forgot to do their job. I did what I had to do ; now XXXX ( Ameris ) needs to own up to their error and make this right. I am looking for a fair resolution to this matter. I would like the escrow account to be brought back to a balance of ( XXXX ) which is what the account balance was prior to the {$4100.00} that was debited to cover back payments of PMI.
Consumer complaint received 2020-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC. (FL)

Bank transferred from my account to overseas without my knowledge Bank called me the time it happened and I spoke with them and disputed this transfer and they promised me that no money will be transferred and they put the whole amount on hold. 
I discovered after one week they transferred the amount and when I called them they opened an investigation case with a promise that I will got my money back After one month they closed the case and denied without even telling me why or in what base they closed it. 
Now they want me to write to them again, which I did. 
I am running after this problem from last XXXX without solving it which cost me lot of money going and spending time in different suntrust bank. Also disturbed my son who is XXXX  XXXX  to pay his rental apartment which I borrowed money to pay Iam XXXX years old and living in tied budget
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HCFS Healthcare Financial Services of TeamHealth (CT)

XXXX IS REPORTING AN ACCOUNT ON MY CONSUMER CREDIT PROFILE WHICH HAS BEEN PREVIOSULY DISPUTED AND INVALIDATED. THE FURNISHERS OF THIS INFORMATION ARE ATTEMPTING REREPORT AN INVALID DATE. PLEASE FIND ATTACHED A SCREEN. PLEASE FIND ATTACHED AS EVIDENCE A SCREEN SHOT OF THE ACCOUNT IN QUESTION ON MY CREDIT REPORT WITH THE INFORMATION THAT NEEDS TO BE DELETED HIGHLIGHTED. ALSO FIND ATTACHED MY COMPLETE CREDIT REPORT FROM XXXX. ALSO FIND ATTACHED THE LETTER WRITTEN FROM ARS TO ME WITH CONFLICTING ACCOUNT NUMBERS. this is costing me a lot of money and it is a violation of my rights under the FCRA guidelines. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I HAVE NOT CONDUCTED ANY BUSINESS TRANSACTIONS WITH THE FURNISHERS OF THIS INFORMATION. DELETE IT IMMEDIATELTY. 

ARS XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$55.00} Date Updated XX/XX/2021 High Balance {$55.00}
Consumer complaint received 2020-01-08
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. (TX)

XXXX is reporting incorrectly to Experian and XXXX  a collection in the amount of {$3500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I cancelled this account and returned all of the equipment back to XXXX, paid what was owed and therefore there is no outstanding balance to report. This account needs to be removed from collections and deleted from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the bureaus to remove this item however, I have not been successful.
Consumer complaint received 2020-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-01-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (MI)

In XXXX of XXXX, I signed for a 3 year lease with XXXX XXXX XXXX in XXXX XXXX for a XXXX XXXX. My lease payment was through the roof due to interest, which is understandable. Fast forward 2 years, I wanted out of my lease but I signed for 3. I was able to turn in my lease early and got into another lease through XXXX XX/XX/XXXX. I personally returned my lease to XXXX XXXX XXXX in XXXX XXXX, signed early lease termination papers. Nobody checked my car for dings or dents, interior, wear and tear, nothing. This is the first red flag I should have taken into consideration. Im unsure of where my XXXX XXXX went after dropping it off in XXXX XXXX but its thankfully out of my hands now but what if something happens after releasing it back to XXXX. I have no proof of the excellent condition I returned the car. On XX/XX/XXXX, there was a withdraw transaction to my bank account of {$380.00} from XXXX, which was my car payment. Ive been out of this lease now for one month, why are they charging me another lease payment? I called customer service and spoke to XXXX. Not only was she rude and impatient with me, she told me they are unable to release the payment of {$380.00} back to me and the only way they would release that chunk of money back to me would be if there is no exterior/interior damage after the inspection of the vehicle is done, which takes up to 90 days. I am no longer a customer of XXXX, why do they even still have my bank account information on file? XXXX told me it is my responsibility to stop payments from withdrawing. I asked to speak to someone else a little more understanding, she transfer me to XXXX the supervisor. XXXX told me he can not issue me a refund. The only way they will release the {$380.00} back to me is if I dont owe XXXX any money for exterior/interior which will take up 90 days. I am completely unaware of any damage to the vehicle so there is nothing they should be charging me for so the money should be released back to me and they should have done a walk through of the vehicle with me. I will not pay for damages Im unaware of. Im not a customer of them anymore! I contacted my bank because its technically an unauthorized transaction being I did not authorize for them to continue to pull money from my bank account after not having the car for one month.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

Account # XXXX Mortgage with XXXX / XXXX. XXXX & XXXX XXXX We have had an outstanding payment performance with XXXX for our Mortgage payments. We were notified in XXXX that XXXX was selling their Mortgage to XXXX XXXX. We called and asked if there was anything we needed to do and we were told No, that it would be a seemless transition. It was anything but seemless. We were told our direct deposit of our checking account would switch from XXXX to XXXX XXXX. When I checked my credit report it showed late payments from XXXX XXXX. We called XXXX XXXX and and found out that those payments did not get directly deposited into our new Mortgage with XXXX XXXX. In order to make our account current we made a one time payment of {$13000.00}. which made our account current on XX/XX/XXXX. Today I saw that the credit report was now showing that XXXX was delinquent. The woman I spoke with today sent me our transaction history and it indeed shows our account was made current on XXXX, XXXX. The credit report is showing that we have an outstanding balance with XXXX XXXX of {$8900.00}. when if fact that was all paid and then some to XXXX XXXX who now owns the loan and we have set up automatic deposit. We do not owe {$8900.00}. look at the account, it is current and yet our credit score continues to go down and you folks have not adjusted the outstanding balance. We are interested in refinancing or taking out a home equity loan but this has killed both me and my husbands credit scores. Please update your records and remove the deliquent months of payment so our credit can get back in good standing. I have talked to no less than XXXX people between XXXX and XXXX XXXX. No one could give me an explanation and I was told to schedule a dispute. If this isn't taken care of we will be taking our business elsewhere. I have spent 3 days on this matter which should have been resolved in one phone call. 
Thank you in advance for your attention to this matter. 
XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

My company received a call from Citizens Bank regarding a possible fraudulent check they received via atm deposit for {$17000.00}. We verified that it was a washed check that had been cashed by the original payee, stolen and then reissued to a person who deposited it through an automatic teller. This occurred on XXXX XXXX, XXXX. These funds were not applied to the individuals account by Citizens who was holding this money until proper disbursement could be verified and made. 

We completed the necessary claim paperwork through our bank ( XXXX XXXX  in XXXX, CT ). That paperwork was forwarded to Citizens Bank Fraud Dept. We were told it could take up to 90 days to process. We began inquiring about the resolution in late XXXX but XXXX XXXX  was told the claim was not in Citizens system. XXXX XXXX  personnel have forwarded this claim multiple times without receiving a confirmation of receipt until XXXX XXXX, XXXX when they were finally able to get a case number assigned to it. ( # XXXX ) We are going on 22 weeks without closure of this claim. What can be done to return the {$17000.00} that is sitting with Citizens Bank? I'm expecting that our claim will continue to be lost so that Citizens can not be held accountable for failure to process timely. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

I am contacting you as Fidelity credit card has cancelled my account. Their decision was based on a theft that occurred. I had packages delivered to my front door which were stolen. I have a police report to prove that this occurred. Elan Financial has made several errors to my account plus made errors making payments for overpayments to me. 
The decision to close the account was based on the theft which occurred. ( I have a police report for this and the company has hurt me due to theft done against me ) I am having issues with the credit card company as they are now not treating me fairly and now being faced with several issues that they are not being fair. 

I'm going to be negatively impacted due to their closing of the account. I am upset as this will impact my credit report.