davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (RI)

this creditor has ignored my request for documents requested such as : " 1- detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; 2- the photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ) ; 3-an itemized statement breaking down the balance you claim I owe ; 4- and any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. '' 5- the Vice President himself states that they are not reporting a payment of {$9.00} " First Progress has not received any {$9.00} payments during XXXX, and has not reported any such payments to the credit reporting agencies '' ( letter attached ) in the credit report attached there is clearly not 1 but 3! payments of {$9.00} reported for the months of XXXX, XXXX and XXXXXX/XX/XXXX. 
NO documents or contracts has been provided as requested bearing my monetary signature agreeing to pay this alleged debt or agreeing to open this account.

6 - they state in letter attached that they are not reporting inaccurate information and in my credit report you can clearly see where they report to XXXX  a late of " 30 days '' on XX/XX/XXXX and on the same XX/XX/XXXX to XXXX  they report " on time '', on XXXX they report to XXXX  a " 60 days late '' and to XXXX  they report a " 60 days late '' and it goes on and on. ( proof is attached in documents ). ALL my inaccuracies claims can be clearly seen in attached documents to this complain.
Consumer complaint received 2022-01-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I had recently applied for a HELOC with PenFed on or about XX/XX/2021 for my investment property located in the State of Florida. I have already had a credit worthy relations with PenFed, because I already had a signature loan open and have always paid on time. Thus when i applied for a HELOC, they had to run my credit report again and my scores where acceptable at XXXX. I was then given a checklist of items that I needed ( documentation ) which I needed for a final credit decision. I have submitted all necessary documentation in a timely manner, and each time I would receive a generated company letter response. " Due to the amount of HELOC and overwhelming applications, we are delay in getting the products to our Members in a timely manner. However about 30 days later I was asked to submit more documentation regarding my previous Home loan Refinance closing documentation with my current lender, to see if my mortgage was paid on time. I am upset at this point, because my mortgage was being reported to the credit agency twice, as if I had two accounts and I did not. After disputing the items and having verification with a third party vendor of my credit worthiness, I though that was ok. However PenFed claimed that i had a foreclosure on my credit report which I never had, regarding my primary residence. I feel the process, of trying to obtain this HELOC was over the top and derogatory and discrimination in nature, because I am a XXXX female senior citizen over the age of XXXX XXXX XXXX and retired from the military and now I am told that I need to produce an additional income of {$1500.00} per month to get this loan approved with the under writers because I have a debt to income ratio of 58 %. I believe if that was the case then this should have been explained or brought to my attention on the initial application and not let me provided this documentation and that documentation just so they can have a reason to disqualify my HELOC.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Over the XXXX XXXX weekend I completely paid off my Bank of America credit card to the tune of {$7500.00}. We're in the process of paying off all of our debt and I called BofA to ask about transferring some balances to my newly paid off card. The woman I spoke with was more than happy to help me until I mentioned my husband. We're a XXXX couple. Immediately her tone changed and she made a XXXX remark. When asked about household income she said only my income and not my husband 's income was a factor, and then she put me on hold. When she returned she informed me that BofA no longer wished to do business with me, no longer valued me as a customer. In all of my years I've never missed a payment. I believe I was terminated as a customer because I'm XXXX
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (VA)

On XX/XX/2021, I sold XXXX for {$14.00}, XXXX for {$170.00}. XXXX for {$100.00}, XXXX for {$870.00}. XXXX cents was currently in the account. A total of {$1100.00} should have been in my account after the sale. I advised Robin Hood to DEPOSIT the proceeds of the sell, ( i.e., XXXX for {$14.00}, XXXX for {$170.00}. XXXX for {$100.00}, XXXX for {$870.00} ) -- totaling approximately {$1100.00} into my checking account ending in XXXX on XX/XX/2021. INSTEAD they used the word DEPOSIT from XXXX Account. As such, what should have been deposited into my account is now showing as a debit in the amount of {$1100.00}. 

I believe this was done as a FLIM-FLAM -- a trick or deception! because their documentation reads " Deposit from XXXX XXXX  CHECK '' and Withdrawal to XXXX XXXX  CHECKING '' when in FACT, these people simply WITHDREW from my account the amount of money that I asked to be DEPOSITED into my checking account. This company is using a play on words to deceive people into doing things that they don't intend to do. It is common knowledge when dealing with money that DEPOSIT means to GAIN and WITHDRAWAL means to TAKE. Their play on these two words are deceptive. In any event, I've attached the sell of these stocks and have not received the " DEPOSITS '' from the sell of such into my XXXX XXXX  CHECKING ACCOUNT ending in XXXX! I've only seen them WITHDRAW this amount from my account in error!!!! Furthermore, I do not see any historical information regarding the settlement of these stocks and/or funds. I have tried with no luck to resolve this issue with Robinhood. I have yet to see the history of the sell of these stocks, THEREFORE, I am filing this complaint. I might also add, this company 's online application is not TRANSPARENT -- but mostly confusing. It seems to always have technical issues. It seems to work fine when debiting people 's accounts as this is done in " real time '', but when it comes to " depositing '' monies into people 's account, it appears to always be having technical issues -- never done in real time. As you can see they have completely misused the banking terms " deposit and withdrawal, '' I believe on purpose.
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Global Tel*Link Corporation (DE)

In XX/XX/XXXX, I set up an account with XXXX XXXX XXXX ( aka XXXX XXXX ) I deposited money onto an account that I would use for the total purpose of communicating with a loved on. Deposits were made on XXXX {$35.00}, XX/XX/XXXX - {$25.00}, XX/XX/XXXX - {$20.00}, XX/XX/XXXX - {$20.00}, and XX/XX/XXXX - {$20.00}. 
Since I had not used the account I contacted the company in XX/XX/XXXX and then again on XX/XX/XXXX and requested a refund. I was then told I only had {$52.00}, when I deposited {$75.00}. So I requested my refund on XX/XX/XXXX and was told it would take 30 days. Well today is XX/XX/XXXX and I contact the company at XXXX XXXX. Spoke to a representative named XXXX who stated that the check went out on XX/XX/XXXX and I stated that could not be because I never received it. I verified all of my credentials during the authorizarion process and then was told that I needed to provide a picture ID in order to receive my refund. Mind you, when they took the payment from my debt card no picture ID was required and now I am told I need to provide a picture ID in order to get my refund. This is absolutely ludacris. I spoke to a Supervisor, and asked to see a copy of the policy/procedure where a picture ID is required before a company could refund my own money. I truly believe this company is running a scam on hardworking customers and are not willing to refund the money that I jad set aside for myself to make calls to a loved one. This agony and pain I have been put through has been unbelievable and causing great XXXX just so I can get back what is owed to me. This company has caused great distress and has made this refund process absolutely unbearable.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 I noticed suspicious activity on my checking account that was NOT me. I was immediately alarmed because 1 ) it was the holidays and I know scammers target people around this time and 2 ) I had two friends who this just had just happened to in recent weeks. It was after hours but I called Chase anyway. I was told the Claims department was closed and I would have to call back in the next morning but in the meantime I could lock my debit card. I locked my debit card and then continued to go through my account to make sure every other transaction was me. Also, please note, again it was the holidays so I had multiple transactions in dollar amounts far larger than these XXXX transactions so I didn't anticipate a problem with getting my money back. The transactions involved were a {$31.00} debit at XXXX XXXX In in XXXX, TX and {$62.00} at a XXXX XXXX XXXX XXXXt in XXXX, TX. Also, please note I have no idea where XXXX is and I do not go to XXXX. NONE of my other transactions were in either of these cities. Initially Chase gave me the money back and proceeded with an Investigation. Today, XX/XX/2022, I received a letter stating they concluded their investigation and they would be debiting my account for the total {$93.00}. When I called to speak with someone, I was told these transactions were done with a chip card and chip cards can not be duplicated so it had to be me. Well, it wasn't. And that was the only due diligence they had done. Chase is willing to let my XXXX XXXX XXXX checking account walk out of the door because they believe chip cards can not be duplicated. Well that's not accurate. Chip cards can absolutely be duplicated and a simple google search would tell them that. I have never had an issue with Chase reimbursing me when it came to fraud but this is ridiculous. I was not in either of these cities. My card was clearly cloned. Again, I had other transactions for far more than these XXXX. I had no reason to make up a story about just these XXXX. They need to be reported because they are stealing my money and standing on what they believe to be true, that these cards cant be duplicated. Scammers can duplicate anything.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

contract violation! is the first of many issues. Stated in our contract. late payment date is on the XXXX of the month, not the 1. like most. over and over again they continue to bill us. knowing this was the deal we had. they knew because when we found out they charged us we call and they PennyMac would fix or credit our account. but to find out they didn't always put the information on our bill coupons. so knowing this they continued to steal from us. also charging what ever they wanted too late fees have went up and down and up and downXXXX until now. also around the pandemic. pennymac gets ahold of us too help us out they said. but lied and took advantage of us, nothing we agreed about happened. XXXX we had taking us to XXXX.for us to pay over XXXX dollars never told us would be happening and we stay at years we had didn't want to add XXXX more years but to find out later they did. such a XXXX XXXX. this app is saying im taking too much. running funny. so stopping now. probably wasting my time anyways.
Consumer complaint received 2022-10-07
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. (NV)

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 U S C # 1 XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX # 3 XXXX  XXXX XXXX # XXXX # 4 XXXX XXXX # XXXX # 5 XXXX XXXX XXXX # XXXX 15 U S C 1681 section 602 ( a ) States that I have the right to privacy 15 U S C 1681 section 604 ( a ) ( 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 information containing any of the following information, any adverse item of information other than records of conviction of crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( a ) ( i ) A person shall not furnish information relating to a consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-23
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. (FL)

To Whom it may Concern I was looking through my credit report and seen a unauthorized account on my report I then call the company and reach out to XXXX, Equifax and XXXX. XXXX  and XXXX  has already removed this from Credit report. for some reason Equifax has not removed it yet nor has they respond to any of my dispute I feel like they are ignoring me I sent out a dispute letter on XX/XX/2021, XX/XX/2021 and a demand to comply on XX/XX/2021 and till this day I still have not got a response back from Equifax. I am looking to buy a house and this is slowing up my process I do not know what else to do I am hoping you guys can help me
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

MY TAXES IN THE YEAR XXXX WERE {$6200.00}, NOW IN THE YEAR XXXX THEY WERE {$5100.00}. IT SEEMS LIKE EVERY YEAR MY ESCROW IS ALWAYS IN SHORTAGE. MY TAXES DROPPED BY ALMOST MORE THAN {$1000.00} AND STILL, I'M IN SHORTAGE, WHY? ALSO, MY PAYMENT WAS {$1300.00} AND IT DROPPED TO {$1000.00} IN XXXX MEANWHILE XXXX AND XXXX PAYMENTS WERE {$1300.00} WHY DID I NOT EXTRA CREDIT FOR THE EXTRA {$300.00} FOR THOSE 2 MONTHS? I WANT TO BE CREDIT THE EXTRA {$600.00} TO THE PRINCIPAL ON MY ACCOUNT FOR THOSE PAYMENTS AND NOT SHOW A SHORTAGE
Consumer complaint received 2019-10-16
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 disputed these items to experian XXXX and XXXX  and they have not removed this items and have not validated them and undr 15 usc section 1681i ( a ) XXXX -XXXX XXXX XXXX XXXX acct XXXX showing collection of XXXX. XXXX acct number XXXX chaged off XXXX. XXXX XXXX XXXX acctnXXXX showing XXXX all incur-rate info needs to removed they failed to provide the name address and contract bearing my signature and they are causing me harm my name is XXXX XXXX my social is XXXX XXXX XXXX my date of birth is XX/XX/XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (RI)

ARS ACCOUNT RESOLUTIONS INC. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me the following 4 collections for the last few years. 

1.Account # XXXX for {$990.00} 2.Account # XXXX for {$940.00} 3.Account # XXXX for {$1500.00} 4.Account # XXXX for {$860.00} The collections have been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. I've been actively disputing these charges since last XXXX, and was able to get them removed from my credit report later last year due to them not being able to verify the debt. Unfortunately they were reinserted without notice or verification. This last dispute was the final straw. As they continued to send me no proper verification. These charges are currently on my XXXX and XXXX but not on XXXX. Its been a mess.
Consumer complaint received 2022-12-16
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. (AZ)

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. I submitted a letter to Transunion dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX and I'm including it again. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I submited a claim under the claim numebr XXXX and was approved and finalized. 
Also I opened another dispute for the same reason, same merchant and same background under the claim number XXXX and was denied. 
It doesnt have any sense to approve one and deny the second if both are from the same reason and merchant.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (AL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-01-25
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. (GA)

I have been disputing inaccuracies on my credit report in regard to XXXX XXXXreporting inaccurate opening date and child support inconsistent reporting. I have seen all credit bureaus 5 rounds of disputes and there hasn't been any correction to the inaccuracies.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

Ocwen sent a short-sale agreement since the home is worth less than the total amounts due on the mortgage. We have complied with all of their requests and they still refuse to approve the final HUD documents approval and allow the title/escrow company to fund the loan payoff. The buyer has had their funds in escrow to comply with the short-sale closing date and Ocwen has prolonged the closing for weeks with no explanation other than " it is under review in underwriting. ''
Consumer complaint received 2019-07-29
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. (HI)

Transunion is reporting incorrectly on the XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account does not belong to me and I do not have a mortgage loan. This incorrect reporting is harming my credit score. Please delete this line item from my credit report.
Consumer complaint received 2023-06-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NE)

Citi Bank has repeatedly been calling me for months on end. They call me around XXXX or more times a day. 7 days a week. Before XXXX and after XXXX even. I have communicated that I had just went through a divorce. & communicated a payment action where they okayed it. I have answered and every person is different and say something different. Ive told them multiple times to stop harassing me and they continue to call