davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Opened business credit card account with Citizens bank ( all of my banking and mortgage are with them, so I accepted when representative offered me business credit card ). I always make my monthly payments on time and have XXXX XXXXXXXX app on my phone because I like to keep my credit perfect. I always check the app monthly and app shows my " card '' ending in XXXX balance is XXXX. I received a statement from Citizens for a bill of almost XXXX $ for acct ending in XXXX. I did not recognize account XXXX, i do not have a card ending in XXXX. I surely did not spend XXXX $ and I pay my account off every single month. I called Citizens credit card department and was told that XXXX is the revolving account and XXXX is just my personal card for that account, and that the card resets every month?!?!? I have no idea what they are talking about and I have never heard about this before. I have never received a bill for this XXXX $ before and now they said they reported my credit twice!!! I feel that I was misled into this card, the {$1000.00} in fees they added to the account and the credit reporting.
Consumer complaint received 2022-09-25
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

In XX/XX/2019, last month, I made a payment on the XX/XX/XXXX for $XXXX to cover both XX/XX/XXXXand XX/XX/XXXX. I had already paid some at the beginning of the month and this was more than what was owed. The payment was misapplied and I was threatened with having my vehicle towed for nonpayment by XX/XX/XXXX although it had been made more than a week before the due date. When Santander found that a complaint was filed against thier company, they called and the payment was corrected. Now they have done the same thing again in XX/XX/XXXX. They are saying the payment was never made, they are trying to collect $XXXX  on my $XXXX installment and all that is owed in XX/XX/XXXXis $XXXX $XXXX  was already paid. This has become a regular occurrence and constant harassment involving my car. It is much worse than harassment and abuse now.
Consumer complaint received 2019-09-11
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: JPMORGAN CHASE & CO. (MA)

Hi, I was using Chase Sapphire Preferred card, I have booked a flight ticket of XXXX XXXX for {$4000.00} from their own travel website, for some reason on the date of flying the passengers were not able to take the flight. 
The Flight company asked to reach out to the vendor ( Chase travels ) to cancel or reschedule the flight since I used their service to book the flight. 
It was around 4 hours before the flight, I tried calling the chase travel whole night but no one picked up the call and meanwhile the flight took off. 
Next day Chase travel said that since the flight is gone we can not refund anything. I asked them that's it's your mistake since no one took my call when I tried for whole night for at least 4-5 hours. 
They said, since we can not cancel the ticket after 24 hours of booking, but I asked them that at least someone should have taken my grievance that time, and I was asking for re-schedule also for at least the return flight cost rather than the whole flight. But since no one picked up the call whole night they are putting this cost to my account and forcing me to pay. 
Need help in such case. 
Regards XXXX
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX 2017 around XXXX pm. I went to my local Wells Fargo Branch located in XXXX Florida. I took {$200.00} in twenty dollar bills inside with me to make change ( ones and fives ) for my business. I used my debit card to access my account to show I was a customer to avoid non customer fees For the service of making change. I hand the teller my money, she makes the change and counts it back to me. She asked if she can help with anything else. I say no and walk away. About 30 minutes later my husband checks our account online and see {$600.00} missing. He then goes to the bank to see what happen. The bank manager counts the draw and reviews the security video. He then tells my husband the teller did not close my account screen and the man behind me withdraw {$600.00}. The teller never asked for his ID or checked to see if he was on my account. I have been in contacted with the local branch as well as the corporate office. They will not let us view the camera footage and are not crediting the {$600.00} back to my business account.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-25
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)

In Accordance with the Fair Credit Act, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX # XXXX, have violated my rights. 

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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently obtained copies of my credit reports from XXXX, XXXX, and Transunion, and upon review, I discovered inaccuracies in XXXX of the accounts listed : The account in question, labeled as " XXXX XXXX XXXX '' with Account Number : XXXX, appears to be in violation of 15 U.S.C. 1681i ( 7 ) regarding the method of verification. It was reported without valid evidence. Therefore, I request its immediate removal from my credit report.

Your company 's actions appear to be in clear violation of the law, as outlined in 15 USC 1681b, which stipulates that consumer reporting agencies may only furnish consumer reports in accordance with the written instructions of the consumer. I have not provided written instructions for the inclusion of this account on my credit report.

Additionally, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions from a consumer credit report, stating that it does not include reports containing information solely related to transactions or experiences between the consumer and the reporting entity. Since payment history constitutes a transaction between myself and the corporation extending the line of credit, it falls under this exclusion.

Therefore, I demand the deletion of the aforementioned late payments from my consumer report. Failure to respond satisfactorily with the removal of this account, along with the provision of a free copy of my report after the necessary changes, will result in legal action being taken against your company. For each violation, I will seek {$1000.00} in damages for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Violations of the Fair Debt Collections Practices Act 15 USC 1692g Willful noncompliance with the Fair Credit Reporting Act 15 USC 1681, as outlined in 616 regarding civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Consumer complaint received 2022-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I received my escrow analysis dated XX/XX/XXXX which shows a shortage. Upon review it appears that wind/sup and condo insurance have been paid out of my account since XXXX of XXXX Unfortunately, these payments are in error as I do not have wind coverage nor am I required to maintain it on my property and my property is not a condo. I've asked them to refund the erroneous amounts immediately and conduct a new escrow analysis to provide me with a refund of the excess money I paid. I have attemptedto resolve this multiple times to no end. I am filing a complaint with the CFPB to ensure this is resolved timely. I'm including copies of the escrow analysis as well as the response to my previous complaint. The written response does not address my actual complaint which has to do with wind and condo ( not flood ). We are well aware our property is in a flood zone and maintain appropriate flood insurance which was paid in XXXX of this year as indicated in my analysis. I've asked that they correct this error immediately and adjust my monthly payment as they are erroneously charging me an extra $ XXXX and have been since XXXX of XXXX. Until now it was out of escrow, and now our mortgage is being increased incorrectly.
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NY)

FRAUD. Selene Finance is not a registered party on the property as confirmed by XXXX, XXXX XXXX  City Registry. 

In their response by XXXX XXXX on behalf of Selene Finance LP dated XX/XX/XXXX, XXXX XXXX failed to provide an explanation to : " Selene Finance is to specify their relationship and affiliation to XXXX aka XXXX as to which they referenced in their response Paragraph 3 line 2. '' This is my third request for Selene Finance to clarify their relationship to XXXX aka XXXX that XXXX XXXX made references to in her letter dated XXXX XXXX. 

Since Selene Finance failed to provide an explanation to their relations/affiliations with XXXX, I have contacted XXXX XXXX City Registry ( XXXX ) and XXXX. I was made aware that neither XXXX aka XXXX nor Selene Finance LP have registered on the property. 

This information is a PUBLIC knowledge and can be verified by XXXX, XXXX XXXX City Registry and XXXX. 

Please investigate why XXXX aka XXXX aka Selene Finance are not registered as required and are operating in a FRAUDULENT manner. 

*Note : no additional authorization is required to contact XXXX, XXXX XXXX City Registry that will provide the verification of the above
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is attempting to collect on a debt I do not owe. I have not been aware of this debt. I have not received any letters or phone call from this company. And now it's on my credit. This is a violation of my 30 day right to dispute!
Consumer complaint received 2017-12-06
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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX ; there were a slew of illegal charges on my credit account. A total of 8 charges totaling {$2300.00}. I called Wells Fargo that same day and informed them of it. The lady said that they would be taken off my bill and a new credit card would be sent. A billing statement later, I noticed that only half of the illegal charges were deleted but half still remained. There appears to be 4 illegal charges charged twice to my account but only the initial 4 were deleted and not the other 4. Subsequent calls and in person visit to the bank have been unsuccessful to correct this. They claim that I must pay for these illegal charges and there is nothing I can do about it. I do n't know where else to turn. I only use my card for paying my utility and some small purchases here and there.
Consumer complaint received 2019-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MI)

I currently have multiple student loans with Navient which are all under my name and my name alone, recently I fell behind because my husband lost his job and I am providing for my whole family including a newborn. Navient has told me there is nothing they can do to help me at this time so the loans are being paid as I can pay them. Recently on XX/XX/19 Navient has started to call my Mother about the status of the loan and trying to contact me, my Mother is not co-signer on the loan and has no responsibility to pay back the loan on my behalf. Navient had reached out leaving more than 1 message for her on her personal cell phone. This company is harassing my family now over an issue that was addressed with them but they could not do anything to help. Feeding my child and keeping my home is where my money is going first and then to Navient as I can, I feel as if this company has and does use illegal tactics to harass borrowers and at no point should be contacting my family members.
Consumer complaint received 2022-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

My credit score is suffering greatly because of a collections that was put on my credit report for {$950.00} for an emergency room visit at XXXX XXXX XXXX. While I did visit the emergency room, I had a medical insurance ( charity care ) from XXXX XXXX, which completely covered the visit. Despite this fact, I found a collection on my credit report, filed by XXXX, in XXXX for the amount of {$950.00}. I filed a dispute against this fraudulent claim in XXXX, XXXXXXXX XXXX. I also contacted XXXXXXXX XXXX  Billing department, and was told that the problem would be dealt with. As it disappeared from my report, I thought this was completely dealt with. However, sometime this year it was put up again by a different collection agency ( Wakefield ), and I am back to trying to get it off a second time. In the mean time, my credit score has decreased over XXXX points because of this collections. Any assistance you can provide in removing this permanently would be greatly appreciated.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Carvana Group, LLC (TN)

Carvana submitted {$190.00} on XX/XX/2023. I did not purchase a car from them or authorize any amount to be taken from my account. I did not provide them with a debit card information.
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This Dispute is geared towards the five credit reporting agencies, LCI, XXXX XXXX, Transunion, XXXX, and XXXX. These companies are in the business of running criminal enterprises. XXXX and LCI is in the business of selling personal and private information to Transunion, XXXX, and XXXX for commercial purposes. These companies share unverified and fraudulent non public information with non affiliated third parties without the consent of consumers as made into law by congress ... LCI and XXXX are illegally gathering information and selling it to the 3 major reporting agencies without the consent of the consumer which is a federal violation ... All of the companies are committing racketeering and need to be punished by law. 
All of these companies are reporting an alleged public record with my name attached to it and need to delete it immediately. I've given no consent for any of these companies to have and/or share any alleged information about myself. This not only is a violation of my privacy but also many other violations in the FCRA and The XXXX XXXX XXXX XXXX. If this situation is not corrected immediately, I will not hesitate to get this rectified in FEDERAL COURT
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$690.00}, XXXX XXXX XXXX ( XXXX, Open Date XXXX XXXX, XXXX, Balance : {$11000.00}, XXXX XXXX ( AccountNumberXXXX, Open Date XX/XX/XXXX, Balance : {$3500.00} )XXXX XXXX XXXX XXXX XXXX Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$2500.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUIDANCE RESIDENTIAL, LLC (IL)

I am long time customer of guidance residential which provide XXXX loan in XX/XX/XXXX I didnt have the hazard insurence of my building they send me the letter about the inside condo insurence I bought from XXXX .but not for the building insurence we have four unit condo building I took the condo inside insurence and send them the copy .after one year in XXXX they asked for building insurence I took the insurence from XXXX XXXX and send them but now they are saying give us theXX/XX/XXXX year building insurence Money which is already passed. I was late getting the insurence of 2017 and they bought the insurence for me and send me the copy which was reversed when I bought my own insurence but they didnt send me any letter or reminder to get the insurence ofXX/XX/XXXX they didnt buy any insurence of XX/XX/XXXX they didnt send me the copy of the insurence which they send in XX/XX/XXXX but they are asking Money for that I tried to solve the problem but they are not willing to listen please help its around XXXX dollars and other owner are not willing to pay thanks
Consumer complaint received 2023-03-02
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. (VA)

Dear CFPB, Hello From XXXX XXXX of XXXX XXXX XXXX in XXXX, VA XXXX. 

I have prepared a very detailed PDF to Explain the Issue that you will need to Check in with Equifax About. 

It is our understanding, that for at least 3 years, Equifax XXXX has been providing our Credit Report data for our Business to a Little known 3rd Party Called XXXX in XXXX Utah. And, somehow that XXXX XXXX XXXX that XXXX has been Selling ( not just showing but profiting from ) is right next to the Equifax XXXX and being sold as " Equifax Says this is the Truth about XXXX 's Credit ''. And the XXXX XXXX XXXX and or XXXX XXXX score from Equifax that XXXX is showing is updated daily from Equifax XXXX 

2. Meanwhile, everty 6 months we obtain a Credit Report for XXXX XXXX XXXX Equifax that shows XXXX XXXX XXXX  as do XXXX XXXX XXXX and XXXX. 

3. And then, when I reach out to XXXX a ( little known ) company, profiting from Selling Equifax data, ( to other businesses or to lenders ) and show them proof and ask them to fix our Fake Equifax Risk Rating, they refuse because " It's not them it is Equifax '' and that has been going on for 3 years since 2020 and I am so angry that I want Equifax Counsel to know that I will NEVER give up on Justice and I will NEVER let you get away with this and I would expect for Equifax to be as angry as I am that XXXX a little company in Draper, UT is PROFITING FROM SELLING YOUR EQUIFAX CREDIT DATA NEXT TO YOUR LOGO EQUIFAX. ( Please see proof attached ). 

4. And then, when I reach out to Equifax they say the opposite, that I have to get this corrected with XXXX And that Equifax does not get concerned at all about another company 's Business Model even if it invoves Lying, and Cheating and Publishing Fake Data with the Equifax Brand. 

5. Please Ask Equifax to get this fixed immediately and without any further excuses. Even if they have to get a Court order ( injunction ) as I don't know yet if I can afford a lawsuit, and XXXX does not want to give up the sweet deal that Equifax allows for, and XXXX is Slandering my company every day. 

6. Equifax should not be able to get away with this any longer. Please see all Proof documents attached. Please fix this problem immediately. At the very least, tell XXXX to stop showing ANY Business Credit from Equifax if they don't receive accuarte data about us from Equifax. 

Thank you for understanding! This has been going on too long and I have had it!
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

Today XX/XX/2023 @ XXXX XXXX  central time chime closed my account unexpectedly I watched them send an email to my phone I immediately went to try to access the app but had been automatically signed out - since Ive been going back and forth via email and phone talking to representatives and supervisors while having them tell me they are escalating my situation to the back support team I gave them an address where the check needs to be send immediately and they are currently giving me a hard time about additional documents when Ive got provided account information and etc to verify account. I even asked if I can even send in my birth certificate along with drivers license to have that NEW address I gave Them updated on file immediately because thats where the check needs to go ( XXXX Texas )