davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-04
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. (TN)

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX  XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX SV ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

i opened an account in early XXXX i received a 1099-INT form XX/XX/2023 stating i received {$200.00}. contacted wells fargo XX/XX/2023 to ask about this. i was told it was money for a promotional bonus. i never agreed to a bonus. & upon checking my statement from XXXX when theyre stating i received this {$200.00}. its no where to be found. the call was escalated. & the lady i spoke to was very rude & said i received the money so they couldnt help me. i repeated that i didnt agree & wasnt aware of a bonus. & she said to visit a branch so they could tell me the same thing. i told her to close my accounts & asked if i could speak to someone in regards to the lawsuit about this thats going on. & she got very hateful & stated there is no lawsuit & to get an attorney.
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

My escrow account has been mismanaged, and incorrectly analyzed. Refunds have been issued over the past 2yrs, that should have never been issued, which resulted into escrow shortages, and increases in my mortgage payments for the past 2 years. These mistakes has increased my mortgage payment by {$340.00} in the past 1 years, making it difficult to pay my mortgage, and impossible for me to catch up my mortgage payments, should I ever fall behind, like now. I have never fallen this far behind, but the difficulty in catching up is because of the continuous increase in payments. I have not been able to speak with the assigned case manager, or anyone else representing the company. The recording always states the case manager is not available. There have been numerous times I have been on hold for over an hour. The only type of communication I receive from the mortgage company is by mail. Ive received the same correspondence dated 2-3 days apart on more than one occasion. Now Ive received an intent to foreclosure. My payments have went from {$1000.00} to {$1400.00}, all due to escrow shortages caused by the mortgage companies mishandling of my escrow account. There has been no significant change in my property tax payment or homeowner insurance payments. In one analysis PHH states actual payment for property taxes were {$12000.00}, and Hazard Insurance paid was {$1.00}, XXXX. My last property tax payments totaled {$8600.00} for XXXX, paid in XXXX, and Hazard Insurance paid was {$1300.00} for XXXX. I don't know where they got this information from, and it is not supported by any of the payment information of the Escrow account. The escrow shortage exist only because of the mismanagement of the escrow account for XXXX and XXXX, XXXX. During this time they have refunded a total of {$5400.00} and the shortage amount totals {$6300.00}. The amounts listed for actual payments of property taxes and insurance are incorrect, but I can never reach anyone to discuss this issue.
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (RI)

On XX/XX/2023 I was scammed by someone who got Venmo to pay them {$1400.00} from my account. Venmo tried to get funds back from my attached bank account but recognizing I was being scammed I immediately froze my account. Now Venmo calls me on a daily basis to get me to pay back the money. I dont feel like I am responsible because Venmo , as a financial institution should have recognized these transactions as fraud. Surely they had seen the same type of scam before and I feel they should have protected my account.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (VA)

Milestone violated my rights by sharing my information with third-party companies. I did not give consent for my non-public to be shared. Also, Milestone wrote the debt off but reported the account as debt to the consumer reporting agencies but instead, it is now income according to the IRS. 

Attached is documentation supporting this claim.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (DC)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report via ( FCRA ) was dispute around the time of XX/XX/2023 But Still Showing on my credit report * 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1692 / 15 USC 1681b / 15 USC 1681i
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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 15USC 1681. 

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 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 an 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 record 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...
Consumer complaint received 2023-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP (NY)

XXXX and XXXX sued me and submitted a fraudulent affidavit of service. I found ripped, soaked parts of the summons and complaint in a mud puddle outside of my home. I initially thought that is was only litter since it was in a literal mud puddle but then I saw my name on it. They subsequently sent me an affidavit of service as part of the lawsuit that was fraudulent. I was not even in the state on the day that they claimed I was personally served in the lawsuit. They use sewer servers in hopes that defendants will not receive the summons and complaint so that they can just get a default judgement without due process.
Consumer complaint received 2022-12-19
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. (MN)

Attached to this complaint is a letter from XXXX XXXX for XXXX XXXX, XXXX, and Equifax review. XXXX XXXX was unable to verify the accuracy of bankruptcy case number XXXX. XXXX XXXX is requesting for XXXX XXXX, XXXX, and Equifax to immediately review the attached letter to this complaint and delete and remove the public record of bankruptcy case number XXXX from my XXXX XXXX, XXXX, and Equifax credit report. Full Name : XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Sent a money wire from Bank of America to XXXX on XX/XX/19 for the amount of {$1400.00} and paid an additional {$30.00} for same day wire fee. I checked my bank account on XX/XX/19 and noticed that the wire was still processing I called the bank several times to cancel the wire and I have not heard back from them.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc. (NC)

My background report states that I have a XXXX XXXX pending and that is not accurate. This inaccurate report cost me the job in which I was getting the report for.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I spoke with the credit agencies XXXX, Transunion and XXXX they are giving me a hard time about removing the bankruptcy and other credit related issues. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2019-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

I have sent certified letters to XXXX  and XXXX   about the inconsistencies on my credit file. They both responded with the information reporting on your file has been verified and its yours. I'm not saying that the account is not mine I am complaining that it is a violation to report such data that is not accurate. In reference to my NAVY FEDERAL account # XXXX I have never missed a payment it was always deducted from my bank account In XX/XX/XXXX the account was shut down by Navy Federal without warning or no explanation. XXXX thru XXXX of XXXX they have me as missing payments keep in mind they shut down my hold bank account??? I am still to this day making payments with no bank account just the accounts I owe on over the phone. They have the DATE OPENED XX/XX/XXXX on XXXX  and XXXX is reporting XX/XX/XXXX this is clearly a violation and grounds for immediate deletion. Then if you look at DATE LAST ACTIVE XXXX   reporting XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX I have pointed out the inconsistencies to both bureaus with no results. Other than account is updated.
Consumer complaint received 2019-12-14
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: Google Compare Credit Cards Inc. (DE)

Double Charging by XXXX for XXXX XXXX I am astounded to have to seek the help of state authorities to open a conversation with XXXX about double billing for their new XXXX TV service. 

I initially tried to sign-up on XX/XX/2019, but as I completed entering my credit card information I was returned to the screen asking me to sign-up. I could not understand what had gone wrong and did not want to end up with two subscriptions, so I closed the screen and watched to see if a charge would show up on my credit card. I did not see a charge for several days, during which I also was unable to log in and open the service using the email address I had used. 

Therefore I concluded my effort to subscribe had failed and I tried a second time using my wifes XXXX account. This time everything worked like a charm and I was able to access XXXX XXXX on my computer, my TV and share it with my daughter as well. All as XXXX advertised. 

However, I was subsequently charged {$49.00} the original failed subscription under my XXXX address, which had never worked and has never been used, AND {$49.00} for the subsequent service under my wifes email. 

I have spent many hours ( with a break to go to the hospital with appendicitis ) trying to contact a XXXX customer service representative. Nothing worked using all the phone numbers, websites etc. offered by XXXX. 

XXXX clearly has designed their system to not allow any customer access to customer service representatives. As a result, I have been robbed of {$49.00} and apparently have no way to stop this from snowballing into {$600.00} over the coming year! A company with the reputation and wealth of XXXX certainly should be expected to provide this minimal customer support. Meanwhile I will do whatever I can to publicize XXXX failed customer service approach that is costing people like me and my family hundreds of dollars in fraudulent charges. 

XXXX XXXX XXXX
Consumer complaint received 2022-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APPLE RECOVERY SERVICES CORP (MI)

I received a letter stating I owed {$64000.00} for a credit card. I called the bank which stated there was no record of the the debt and the account number didnt match anything in their system. They also said they didnt do business with a third party company.
Consumer complaint received 2019-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (NY)

Dear Sir/Madam, I have a complaint for TD Bank. This bank is changing the dates of your transactions and when you make a payment which has caused an overdraft, you have to pay {$35.00} overdraft fee for the previous transactions while still you think you have money in your account. 

I made XXXX different transactions on XX/XX/XXXX and checked my account and saw all of them have been posted. At the end of the day, I withdraw {$500.00} which I'm willing to pay {$35.00} for. Today I saw they changed my other transaction dates as of XX/XX/XXXX charged the fee for each. I spent my own money and I had to pay {$170.00} for this. Customer service is not helpful and They kept saying there is nothing they can do. They told me I don't understand anything about this service but they are wrong. There is nothing to understand why do you have to pay a fee when you spend your own money. 

Is there any way that you can help me for this issue? This wasn't the first time but this was too much. It's just not fair and I kindly ask your help. 

Regards,
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MD)

Around XX/XX/XXXX my ex girlfriend moved out of my residence due to the end of our relationship, she changed all my personal information on a credit card that we opened together and submitted to Chase Bank her own personal information without the bank notifying me that my PI was changed to my ex girlfriends information. She maxed out the credit card to an amount of over {$18000.00} around XXXX of XXXX and I was only notified by Chase Bank after the card was maxed out. Chase Bank informed and notified me of the change of the name, address and email address from my account, making it impossible for me to realize what was going on. Chase Bank declined to move forward in anyway even though several calls to the Fraud Unit and Dispute Team. Again, Chase Bank failed to notify me in regards to the changes of my personal information to my ex-girlfriend information and only made me aware of that after the credit card was maxed out by my ex girlfriend. My outstanding credit history was damaged by her actions.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I been a Citibank customer for XXXX  years. Today I call in because XXXX of my credit cards decline I spoke to manager XXXX employee id XXXX and he provided horrible service was rude and unprofessional. I ask to be transfer to someone I can complaint about his service he refused stated no one was higher or above him
Consumer complaint received 2023-01-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OR)

JPMorgan Chase XXXX, XXXX - I am a victim of financial fraud on my checking account in the amount of {$7600.00} and my sons college checking account attached to mine in the amount of {$21000.00}. An agent posing as a Chase representative fraudulently wired these funds out of my accounts. This began on XX/XX/2023. I visited XXXX separate branches over the course of the week of XXXX XXXX. Each time asking for help with this, asking for the bankers to identify this representative as I had their name and employee ID number telling the banker this person contacted me saying he was a fraud department representative trying to prevent these wire transfers. All branch employees looked up the mans name and couldnt find him, told me that the ID number he gave me wasnt right but never thought to call the fraud department on my behalf. It took until my Friday visit to a branch for the banker who sat with me to tell me that at my first visit that banker should have closed my accounts. Even he still didnt question what I was telling him nor did he contact fraud on my behalf even though he could see the transfers. I am a victim of both the fraudster and Chase bank. I have attached the police report with complete information on the details. Please help me as Chase is not advocating for me.
Consumer complaint received 2019-12-21
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** Alleged Account 1 : XXXX  XXXX XXXX Alleged Account # : XXXX
Consumer complaint received 2019-12-21
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: U.S. BANCORP (NE)

On the XX/XX/2019. Someone stole my debit card mid night and I was trying to call the number XXXX that they said it XXXX fraudulent number services no one could not respond untill the next day I did check my account online and I found someone doing cash back of total {$1200.00} at XXXX XXXX. And I did file police report and I did file a claim withy bank ( USbank ). And later they reject my case even though I was able to know who stole my card and I had to file a complaint about the person at court also. So I need my money back and let the company take legal action to the person and I will help them get the person.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK (NY)

This is about my CNB XXXX XXXX XXXX Credit Card. I was charged the annual fee in XX/XX/2019, then CNB sent notice to me announcing that they are cutting the card benefit significantly. I called customer service to close the card and asked for a refund for the annual fee. The credit card is closed however there is no response to my request for the refund.