davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-28
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. (NV)

The series of request letters that have been sent to Equifax has resulted in zero success. All letters have been mailed with copies of my ID and Social Security Card for verification. Ive sent a letter on XX/XX/2020 via certified mail and in my dispute letter, I've demanded to be sent copies of the original documents ( with my signature on them ) showing that the account on my credit report belongs to me. However, in the result of that investigation, they stated that they verified that the account belongs to me and is reporting accurately but they have not met my demands by providing me with the original documents nor did they provide me with the names, addresses, and phone numbers of those contacted. 

Following this, on XX/XX/XXXX I sent a Method of Verification Request letter via certified mail regarding their response. I had addressed FCRA 611 ( a ) ( 6 ) ( b ( iii ), which provides that a consumer may request a  description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, Ive asked that they provide the following : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
4. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

However, as a result, they have concluded the reinvestigation by stating that they have verified that the account belongs to me and is reporting accurately without providing me with the methods of verification ; names, addresses, and phone numbers of those contacted, or a copy of the original documents with my signature on them. It is clear that this is an automated response or e-Oscar verification method, which is unacceptable. I just dont understand how XXXX has removed the account from my credit report while Equifax refuses to even follow the simplest demands. Due to the information that I have and the frustrating process, I hope to resolve this issue effectively and efficiently.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

We were behind on payments and entered a Chapter XXXX bankruptcy in XX/XX/2015. Our unpaid principal mortgage balance at the time was {$100000.00}. The total paid to Ocwen through the bankruptcy trustee was {$29000.00}. and when we exited the bankruptcy they said our principal balance is {$99000.00}. They can't or won't provide any information how the money was applied to the account or an explanation as to where the other {$21000.00} is. We recently applied for a modification and now they say they're adding arrears of {$16000.00} back in to the principal balance so our payments under the modification will be more than the regular payments.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: AMERICAN EXPRESS COMPANY (PA)

I used the AMEX Serve for a cruise with XXXX XXXX I took XX/XX/2020. I deposited XXXX to the card. After the trip the card was charged XXXX but still had holds from the vendor XXXX that equaled the total amount XXXX. I called Amex the day I got back to America with the final charge posted and my complaints about the holds. After informing them XXXX released the holds and it was up to my bank to finalize I was told by the first rep it takes a total 3 business days. After a week of phone calls ( XX/XX/XXXX to XX/XX/XXXX today ) and given different time lines from different reps. XX/XX/XXXX I spoke with XXXX XXXX who said by XX/XX/XXXX {$220.00} funds would be available. Today I was told by a supervisor XXXX XXXX XX/XX/2020 that I would only be receiving XXXX cents by XX/XX/XXXX of my money as the card was in the negative from the pending charges. Not one time did any rep including the supervisor offer to help the situation call the vendor or anything to rectify the issue. They could see what was happening ( supposedly ) but their hands were tied and they  blamed the vendor XXXX for bad timing on canceling holds XXXX already released a week ago. She didn't believe that and I couldn't believe that she tried to blame the vendor when a few seconds before on the phone with another rep they told me its nothing Amex could do to release the holds and it takes them up to 8 business days. What a rip off! Just a week before I had an issue with a declined transaction being deducted from the card only to be told the funds would be returned and never were. They told me they would have a supervisor call me within 2 hrs to find out why they funds that were " on hold '' did not refund. Please what ever you do don't USE AMEX SERVE. Not only was customer service unprofessional, the supervisor told me she would disconnect the phone call if I asked for ID # one more time b/c she already gave me the information. I was livid at this point but was able to get the number ( XXXX XXXX ) is the name. How dare she threaten me when Being a consumer keeps her phones ringing. I explained to her this is stealing and she argued with me I was crazy then she disconnected the phone. I would like my money back asap or help with this matter asap! Another issue I explained was each day a hold was released by Amex doesn't show me on the website or the customer service rep so that they could see clearly what was being held and the final amount that was deducted from the card. That to me is confusing for anybody ( consumer or representative ) and not user friendly what so ever. I also requested an email on several occasions at least stating the conversation that we had but she was unable to do that so what type of help was she giving accept for me to kiss her behind and Amex. Absolutely terrible. Ill stick to my Unsecured and Secured credit cards from here on out. 

Serve.com XXXX Domestic Calls
Consumer complaint received 2020-02-28
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$820.00} XXXX  XXXX {$410.00} XXXX XXXX {$1200.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$300.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$450.00} XXXX XXXX {$820.00} XXXX XXXX {$720.00} XXXX XXXX {$890.00} XXXX XXXX XXXX {$600.00} XXXX XXXX {$450.00} XXXX   XXXX {$750.00} XXXX XXXX XXXX {$67.00} XXXX   XXXX {$300.00} XXXX XXXX {$300.00} DPT TREASURY XXXX {$56.00}
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

XX/XX/XXXX went to Costco with my husband who has a Costco Citi Visa in his name. He attempted to use the Citi Visa but it was declined. 
XX/XX/XXXX returned home to verify that Costco XX/XX/XXXX. bill of {$540.00} had been sent electronically by our bank through bill pay service. Check had cleared. Further, the XX/XX/XXXX. bill due in early XX/XX/XXXX was in process of being paid the precise same manner. Noted that I had paid bill pay and the check paying Citi Visa showed my name ( I have a different last name than husband ) but same address and credit card number was on the bill pay check to Citi Visa. 
XX/XX/XXXX My husband and I called Citi. We explained that we had the cleared check and they told us to send the cleared check to an incorrect PO box in S.D. 
XX/XX/XXXX I mailed the cleared check with an explanation to Citi. 
XX/XX/XXXX My mailed check to Citi was returned with message saying incorrect address XX/XX/XXXX I called Citi and they provided the correct address. For a second time, I mailed check to Citi to the correct address XX/XX/XXXX My husband received a letter ( dated XX/XX/XXXX ) from Citi Visa sayng they had recieved my check, they were holding the money {$540.00}, and asking which account it should be credited to.Also, he was incurring a late penalty. 
XX/XX/XXXX My husband and I again called Citi to explain that check bearing my name, was sent by our bank and intended for my husband 's account. We explained that I have a different last name as my husband but we live at the same address. Again, the bank check had my husband 's card account number on it. The bank said they were holding our money but could not credit my husband 's account unless we sent the form mailed to us. Citi refused to refund the late fee. The XX/XX/XXXX form says we may call Citi directly to explain.On the XX/XX/XXXX phone call, Citi Visa said they were recording our call. My husband said that he would record the call as well ( legal in VA ). Citi said they would hang up if we recorded the call. We did not record as we wanted this issue settled. 
XX/XX/XXXX Mailed the form letter back to Citi again. 
As of XX/XX/XXXX, have not heard from Citi.
Consumer complaint received 2020-02-28
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: CITIBANK, N.A. (NC)

XX/XX/XXXX- Contacted all 3 bureaus and XXXX XXXX, Home Depot , XXXX XXXX to report fraud. I submitted police reports and identity verification. Disputes were open but nothing was done. 

XX/XX/XXXX- Contacted all 3 bureaus again ( XXXX XXXX XXXX XXXX XXXX ). Verified police reports were received and identity was verified. Disputes reopened. No accounts resolved XXXX and XX/XX/XXXXXXXX Contacted multiple times and opened more disputes. Nothing was resolved. 

As of XX/XX/XXXX- More disputes opened to dispute fraudulent items. Have to wait until XX/XX/XXXX for updates.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Ive had my recurring monthly minimum payment setup to be automatically debited from my personal checking account for approximately 1 year but somehow was penalized for a late payment and my credit score has dropped significantly as a result.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Recovery Services, Inc. (OK)

I am applying for a home loan and was informed that there is a collection item on my report. Its is on XXXX. It shows I have a collection item through Southwest Recovery in the amount of XXXX. I have no idea who or what this is. I tried to dispute this through XXXX wed site but was giving a screen that stated that " You have no negative account on file '' and was not allowed to go any further. I called every number I could find for XXXX but was unable to speak to anyone just got info regarding the security preach. I then contacted Southwest Recovery. I spoke with XXXX XXXX and then XXXX XXXX.After spending over an hour on the phone with them.Neither one could find an account with my name, address, phone number or last 4 of my ssn. They did on more than one occasion asked me if I knew a XXXX XXXX. Which I do not. This is the only bad mark on my credit bureau and is stopping me from getting a HUD-184 loan. I do not know what to do next and hope you can help. Name XXXX XXXX XXXX, XXXX Acct # XXXX. SSn. XXXX. Address XXXX XXXX XXXX XXXX. XXXX, OK XXXX The account shows it was reported on XX/XX/XXXX, Opened on XX/XX/XXXX, last active XX/XX/XXXX and reviewed for 6 months.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (VA)

My student loan account with AES/XXXX  was opened on XXXX XXXX and the account became active for repayment on XX/XX/XXXX. 

The account is closed and was paid in full on XX/XX/XXXX. This bank has been inconsistent in their reporting of this account, particularly by reporting it in good standing only after I filed a dispute and even then, they only updated 1 of the 2 credit bureaus with the accurate information. There are several months over several years where the data for payment and other account information has been reported as 'Unknown ' or not at all. 

Further, the first date of delinquency on this account was XX/XX/XXXX which is over 7 years ago yet this bank has failed to remove this account from the credit bureaus. All three credit bureaus have stated to me that the accounts should be removed. I contacted this bank, both by phone and mail, requesting that they update my credit reports. Instead of removing the accounts, they cherry pick a payment date and confirm it, keeping the accounts on the credit file. I spoke with this bank today, XX/XX/XXXX, and they attempted to do the same thing. 

They have failed to take the appropriate and lawful action to correct my credit profile. I have suffered as a result of this negligence in higher interest rates and credit denial. As a statement of fact, I have 13 other accounts on my credit file, all with exceptional payment histories. AES/XXXX  is the only adverse account on my credit file. This bank has been so negligent in their reporting that they reported the status of my payment for XXXX and XX/XX/XXXX as OK but then reported the status of my account for XX/XX/XXXX as 90 days past due. How is it possible to be 90 days past due in a month where the previous two months were reported as OK/Paid? This is but one example of the gross negligence of AES/XXXX  regarding my account. 

This gross negligence and neglect to my account in the credit bureaus appears to have been intentional as I have made this known to this bank numerous times. I am requesting that this account be removed from all three credit bureaus immediately and not reported to them again, as it has been over 7 years since the first date of reported delinquency. My next step will be to take legal action. I am also reporting this matter to the State Attorney General 's office.
Consumer complaint received 2023-05-12
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

In the last month, I was assessed two {$35.00} fees for overdrafts that I resolved myself within a 24 hour period. In both cases, the assessment of the fee caused my account to remain over drafted even after I fixed the issue within a short period myself. I sent an email to the bank through my account asking about the fees and got a generic answer with no resolution. Why should the fee be assessed if its the only thing keeping my account in an overdrafted status? Further, what is the reason for such a steep fee? Does it cost the bank {$35.00} to have my account overdrafted? I'd like to understand the cost breakdown to justify this fee.
Consumer complaint received 2020-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (AP)

I purchased the car in XX/XX/2019 through Fifth Third Bank with the first payment of {$380.00} due in XX/XX/2019. I am a XXXX XXXX Service Member and received reassignment orders to report to XXXX XXXX in XX/XX/2019 and called the Bank in XX/XX/2019 to set up automatic payments for the car loan. My understanding was that the automatic payments were scheduled for the duration on my tour overseas. I checked my bank account in XXXX and XX/XX/2019 to ensure the car loan payment was deducted. On XXXX XXXX my daughter called me to inform me that my car was being repossessed for nonpayment and after reviewing my bank statement I discovered that the automatic payments stopped in XXXX. I called Fifth Third Bank as soon as they opened the next morning and was informed that the automatic payments were only for 4 months and that the loan was behind since XXXX. 
I never received any notice from the bank that the payments was late and the loan was in default, I did not receive mail, email or telephonic notice to inform me that there was an issue with the automatic payments even though I informed the bank that I would be relocating oversea and would not have telephonic means of communication. The bank states that they tried to reach me on my old phone number, even though I informed them that the phone would not be in service while overseas after XX/XX/2019. The best way to make contact with me is through email or mail and I did not receive any notice from the bank even though I have another instalment loan with the Bank in which I do receive email communication and updates on that loan.
Consumer complaint received 2020-02-28
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. (IL)

I noticed my Chase Bank account had been used for several unauthorized atm transactions. I called chase and made a claim. Chase reimbursed my money. 2 weeks later chase takes the money back saying they have denied my claim. I call chase several times roughly 15 times to find a resolution. I was informed someone use my card and pin for withdrawn roughly 6-700 . Chase is asking me to prove it was not me which is basically impossible. I've never used an atm 6 times in a row. I've never been to this location. I'm a 10 year XXXX veteran currently on vacation out of country with severe XXXX. This is really stressing me out please help.
Consumer complaint received 2022-09-13
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. (FL)

Hi I have been at this for several months now going back and fourth with the 3 major creidit reporting companies. For illegally without concent share personal information. Also I have sent numerous letters as u will see in the attached files wanting a legal investigation into the reporting on their end. More than 30 days have passed and no legal investigation was taken place. I want to file complaint and fine the companies for each day this has dragged on without removing from my accounts. They are indirect violations with 15 UFC 1681 { A } # 2 15 USC 1681 { I } # 2 15 USC { S-2 } # 8 15 USC 1681 { B } 15 USC 1681 # 4 15 USC 1681 { I } # 5 ALSO ATTACHED YOU WILL FIND PRROF OF LETTER AND WHEN RECIEVED BY EACH COMPANY. I WOULD LIKE THIS MATTER HANDLED IMMEDIATELY AND REMOVED FROM MY FILES AS SOON AS POSSIBLE BEFORE LEGAL ACTIONS ARE TAKEN. 

TAKEN
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I trust this letter finds you well. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and frustration. 
I have reported this matter on multiple occasions, Despite your team 's efforts, the issue remains unresolved, and the impact on my financial standing is becoming increasingly severe. 

I kindly request the following actions be taken urgently : Conduct a comprehensive review and investigation into the origins and nature of the fraudulent activities. Ensure a thorough second attempt to promptly remove all fraudulent items and transactions associated with my account. 

Improve communication channels to keep me regularly informed about the progress made and the steps being taken to bring about a resolution. Provide a detailed update on the ongoing investigation. 
Implement additional preventive measures on my account to avoid any future unauthorized access or activities. 

Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX- Contacted all 3 bureaus and Capital One, XXXX XXXX , XXXX XXXX to report fraud. I submitted police reports and identity verification. Disputes were open but nothing was done. 

XX/XX/XXXX- Contacted all 3 bureaus again ( XXXX  , XXXX  , XXXX  ). Verified police reports were received and identity was verified. Disputes reopened. No accounts resolved XXXX and XX/XX/XXXX- Contacted multiple times and opened more disputes. Nothing was resolved. 

As of XX/XX/XXXX- More disputes opened to dispute fraudulent items. Have to wait until XX/XX/XXXX for updates.