davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I have a standard 30 year mortgage with Citizens. Citizens assumed the mortgage about 1 year ago. I am current on all my payments -- in fact, I regularly pay about XXXX months in advance. 

MY ESCROW ACCOUNT IS SIGNIFICANTLY OVERFUNDED. Despite at least five phone calls to the Citizens escrow department over the period from XXXX to XX/XX/2022, the issue was never resolved. 

The ESCROW STATEMENT sent by Citizens to me ( dated XX/XX/2022 ), has an OBVIOUS ERROR on the table on page XXXX of the statement. The computer or person populating the statement ERRONEOUSLY assumed ( for some obviously wrong or possibly bad faith reason ) that there would be {$0.00} of payments to the escrow account in the ( at the time future ) XX/XX/2022 and XX/XX/2022 periods. The statement therefore ERRONEOUSLY calculates a starting shortfall that needs to be made up with an additional {$150.00} / month top up escrow payment by myself over the coming year. The math is OBVIOUSLY, and simply, wrong but Citizens has never corrected it or generated a new escrow statement. When I made my phone calls to Citizens in XXXX and XXXX, THESE TWO ESCROW PAYMENTS HAD ALREADY BEEN MADE, so I can only assume that the Citizens escrow department is either completely incompetent or acting in bad faith. No one ever responded knowledgably, or helpfully, to my concerns. They either ignored me completely or forwarded me to another phone rep that they indicated -- probably dishonestly -- was a manager. 

Not only should I not be contributing {$150.00} / month additional money into the escrow account, but several thousand $ should be refunded to me immediately.
Consumer complaint received 2017-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (IN)

The debt for XXXX college through the collections agency williams and fudge has never been validated. This account has been removed and readded TWICE without any notice to me, as well as no validation of the account sent to me at all. The collection agency has my phone number, home address and email address and has never notified me of readding this account. I want this account removed for good and blocked from ever being readded as they have broken FCRA laws while trying to collect an unverified debt and ruining my credit worthyness under false and inaccurate information.
Consumer complaint received 2023-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Captial One intentionally lied to disqualify a dispute request. 

After more than a year of frequently calling, waiting and checking and being told to submit documents several times - I was told that the case was disqualified at the start for being 10 days late to a paperwork submission deadline. I HAD NO NOTIFICATION OF THIS DEADLINE. 

I was told ( after 1.5 years ) that Capital One expects customers to log in and frequently check a hidden " documents '' area to get notifications. They do not provide direct notification and disqualified my request retroactively because of this excuse. 

Then, they lied saying the issue was fully resolved. I believe them, but later discovered that they corrected ONLY ONE OF TWO FALSE CHARGES. 

This is plain fraud.
Consumer complaint received 2022-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made my {$550.00} on XX/XX/XXXX ( due date XX/XX/XXXX ) to Capital One Auto Finance. On XX/XX/XXXX payment was reversed by Capital One Auto Finance - but monies were not returned to my facilitating bank account with XXXXXXXX XXXX I received an email telling me my payment was late on XX/XX/XXXX. I called Capital One we spoke with a supervisor who told us the website was under maintenance it was a glitch and would be fixed in XXXX days. I was told I would not be charged a late fee. On XX/XX/XXXX I received another email regarding the late payment and now a late fee is assessed. I called and spoke to a manager again - who said she would " waive '' the late fee. I told her a late fee was never warranted so " waiving '' the late fee is ridiculous. I advised them I wanted a confirming email of the issue and the fix. I was told that their department can not send emails. I asked for a manager over her. I was told that dept. didnt open till XXXX I would have to call back. I told her under the circumstances I should be able to have someone return my call. She said she could escalate but it would take XXXX hours to get a call back. This is unacceptable. They have not credited my account for the monies taken from my checking account, nor have they returned the funds to my account. Now they are assessing late fees. I warned of my legal and complaint actions if a late payment was reported to the credit reporting agencies.
Consumer complaint received 2019-07-31
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)

XXXX acct number XXXX has reported that I owe them {$790.00}. I dont know of any debt that is owed from me. I have never been extended any credit with them. Please remove
Consumer complaint received 2022-10-11
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. (FL)

TransUnion was immediately notified of the IDENTITY THEFT and FRAUD regarding CRB Upgrade and XXXX XXXX. A FREEZE was initiated on my report yet, they still report the DISPUTED FRAUDULENT CRB Upgrade account and several FRAUDULENT inquiries. 

TransUnion has blatantly refused to comply with the FCRA for five consecutive months and counting.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-10
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (WI)

Every credit card that I have with Synchrony Bank has lowered my credit score because it closely monitors my accounts. If I am late by a day, the Bank automatically lowers my account balance and does not allow me to make any further purchases. Therefore, my credit score is lowered causing credits issues for me. I am being harassed and discriminated against!. I want my credit limits set back to what they were originally! However, this Bank only takes pleasure in hurting consumers not helping them! Synchrony Bank is a terrible company to have monitor your account.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (GA)

On XX/XX/2019, about XXXX XXXX I was locked up in XXXX, didnt get out until XX/XX/2019, I attempted to use my  netspend card, it didnt work, I called netspend to complain, file a dispute, they denied my claim saying they did nothing wrong, but on XX/XX/XXXX, a new card was issued to someone while I was in XXXX. Can anyone help me get my Social security money back almost {$4000.00}. I contacted the president of netspend he tried to reopen it, that department denied, contacted XXXX, they stated that netspend stated, they did nothing wrong. Can anyone help me to get my social security money back. Thank you
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried recently at least XXXX times to have Transunion take a look and investigate items on my credit report and to all three there has been NO RESPONSE except the computer generated authorized third party letter ( Stall letter because they don't want to do their job ). I have sent in items that verify that it is me requesting the investigation with all three letters and still nothing gets done. This is willful noncompliance in accordance with 1681n. Civil liability for willful noncompliance. Please take note of the dates of the letters that I sent as well as the dates of the stall letter responses.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (MA)

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 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 2023-06-30
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: Experian Information Solutions Inc. (PA)

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. 
Account names : # 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, has 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 : 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.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NY)

I took out credit card as a stupid college student. The card had a high amount and I used it on books I never received notice or contact from credit card company for long time and belive statute of limitations is past. No agreement letter or arrangement was ever received. This debt went unnoticed
Consumer complaint received 2022-10-11
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted my previous complaint informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports & provide a photo ID for their records. Transunion has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-06-29
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: DISCOVER BANK (NY)

Accordance with the fair credit reporting act XXXX account number has violated my rights 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 an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously disputed, with TransUnion on XXXX XXXX, 2016, inaccurate information regarding my account with XXXX # XXXX. This information has caused me to be denied credit because of it lowers my credit scores. XXXX XXXX by and through the credit reporting agencies are reporting that I have missed a payment or was 30+ days past due in the month of XXXX 2016 is inaccurate. Please see my attached receipt for cash payment in the local branch office and through a teller at the window on XXXX XXXX, 2016. Additionally, it is being reported that my last date of payment was XXXX XXXX, 2016, when in fact, I made no payment on this account on XXXX XXXX, 2016. My receipt confirms the date and time of my payment.
Consumer complaint received 2016-01-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Delbert Services (TX)

I closed an account with Delbert Services ( DBA XXXX ) on XXXX by authorizing payment to be made in full. The transaction is reflected in my checking account. On XXXX XXXX, 2016 I followed the XXXX guidelines for disputing an entry on my credit report. I sent the document via fax ( all receipts and confirmations available ) expressly requesting that the entry be disputed as their data as of XXXX of 2016 still showed an open account with a {$10000.00} balance. XXXX has refused to place the issue in dispute or make any changes. I am working to pay my bills but when XXXX and Delbert services throw roadblocks in my way and refuse to even communicate with me it makes it a lot harder.
Consumer complaint received 2019-07-31
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

Hello, This is XXXX XXXX. I would like to file a complaint against Wells Fargo. I submitted a check for {$5000.00} as a deposit for a service into a group of scammers account on Friday XX/XX/19 Transaction # XXXX XXXX. Shortly after I realized it was a scam email account I was talking back and forth with to book a band for an event I had XX/XX/19. I placed a stop check a few hours later on that same Friday. I went into the branch Saturday morning to make sure it would not go through and to inform them of the scam. I was assured from what they see it was stopped and wouldnt go through. However, I was advised to take my money out of my account by the banker so if it did try to come out it would bounce. Monday comes and my account is in the negative by $ XXXX. So I contact Wells Fargo fraud department. It takes a little time but they end up finding out who the scammer is behind all of it and many more scams. Problem is Wells Fargo is hounding me for the money and about to put it in collections although they know for a fact I was scammed. They are saying only thing I can do is file a police report and go after the scammers. I do not feel that is fair when I did a stop check 3 days before they put it in their account. 


XXXX XXXX was over my fraud case and will vouch for this whole situation. 


XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX My account number before account was close was XXXX I can forward you guys the email messages of me and the scammer going back and forth. I can also provide the fake contract they sent. I have text messages of the scammer getting scared saying he will get the money returned. My check memo even shows I was booking a artist which I didnt receive that service because it was a a scam all the way around. I can also get document proof of time I stopped check and date they still let the check come out when I told them it was a scam many of times. 


Fake email booking they were using XXXX XXXX XXXX email is XXXX They add S after booking Account Scammers used BANK : WELLS FARGO ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (TX)

Looking at my credit report I found out that a company name BRIDGECREST FORMERLY XXXX, has reported to the credit bureaus that I missed payment 2 times which is inaccurate because back in XXXX of XXXX due to my financial difficulties I requested for an extension then I was asked to pay the sum of {$270.00} with the extension that will bring my account to current ( fresh start ) they said this way my account won't be reported the credit bureaus as a 30 days late which I agreed to. But to my biggest surprise they still went ahead and reported it to the credit bureaus as 30 days late so I called them immediately to ask why they still reported 30 days after I paid the {$270.00} they apologized for the error and corrected it immediately. Then in XXXX of XXXX similar thing happened I had just lost my Mother I it was a very difficult time again financially, so requested for an extension again I was asked to this time the sum of {$300.00} to avoid it being reported to the credit bureaus again I agreed to the term but just like before they reported to the credit bureaus as 30 days late as usual I called again to ask why but this the costumer service representative hanged up the phone on me I called back again they put me on hold for a while they went back to XXXX of XXXX to change current to 30 days late I do not think this is a standard credit reporting act and the consumer law. Then I file a dispute with all three major bureaus, the information sent to the credit bureaus did not include the {$270.00} and the {$300.00} respectively.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile.