davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC. (WA)

To whom it may concern : We are filing a complaint against a First Citizens Bank to know the true reason for our account closure. 

We were contacted one-time, by certified overnight mail XXXX XX/XX/2021, that our business account would be closed XXXX XX/XX/2021 because they can. The letter entailed, " ... First Citizens Bank reserves the right under the terms of its deposit account agreement to close a deposit account at any time for any reason. '' There letter read, that they, on multiple attempts, attempted to contact us. This can be proven to be not true. 

We contacted XXXX XXXX, Area Vice President & Area Executive XXXX  XXXX XXXX XXXX, XXXX XX/XX/2021 with questions regarding our account closure. He explained that our account had been under review and that there were multiple red flags. Never being made aware of any review, we asked for proof of wrong doing. 

We banked with this Organization for over three years and had very limited communications due to our account never having issues. 

On XXXX XX/XX/2021, XXXX was approved to extend the termination of our account through XXXX XX/XX/2021 and still offered no report to support the accusation that there were multiple red flags. He said their finding are for internal use only and he is not allowed to provide us with any support for their accusation. 

We believe that our account was close in retaliation to one the Partner 's spouse quitting her position at First Citizens Bank located in XXXX, Washington. 

Because we are a XXXX XXXX XXXX, we fear that XXXX might have played a part in the quick and unprovoked closure of our account not considering we might stand up for ourselves being small business owners.
Consumer complaint received 2022-09-26
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. (CO)

XXXX XXXX stated that the payment for XXXX was never received, however XX/XX/XXXX a payment for the entire amount of the loan was sent. We did a buyout of our lease only to find out they would not except the payment. They did not send the money back to the loan company for almost 2 months even though I kept calling XXXX to send the money back. I was under the assumption the account was paid in full which is why no payment was sent. As a matter of fact because the account showed no balance I did not have the option to pay anything because there was nothing to pay. The account was reopened by XXXX after 2 months before the money was given back. It is not fair to say I dont pay when I didnt have the option to pay because there was no balance. I am attaching the response from the finance company as proof.
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage loan was transferred to Shellpoint Mortgage Servicing from XXXX mortgage servicing in XX/XX/XXXX. Prior to my loan being with XXXX it was with XXXX XXXX XXXX. Whenever I made any extra payment on my loan, regardless of if there were late fees or any other outstanding fees due, i was always told by both XXXX and XXXX agents that the extra I paid would go into a suspense account. I always had fees owed with both XXXX and XXXX and they never subverted my extra payment into fees. 

On XX/XX/XXXX I contacted Shellpoint to ask questions about my escrow and during the call I asked what amount did i have in suspense. I knew there should have been an amount there because for the past several months we had paid over our mortgage payment. To my surprise and astonishment the Shellpoint agent informed me i had XXXX dollars in my suspense. I asked her where did the money go. She told me Shellpoint had been taking my extra payments and instead of applying them towards suspense as my extra payments have always been applied - shellpoint had been paying off late fees with my extra payments. 

I never agreed to this. I never consented to this. I was never informed of this. When my loan transferred from XXXX to Shellpoint my servicing agreement should have stayed the same in regards to how my payments were being applied. I was only informed that the company handling the loan servicing would change. There should have been no other changes. 

This is a breach of contract. 
This constitutes a misapplication of my mortgage payments. The late fees and all other fees, as XXXX and XXXX had both explained to me would come due and owing when the loan is paid out. They were never taken directly from my mortgage payments. I had come to rely on the suspense account to help me weather financial difficulties. 

Also, per new mortgage servicing guidelines adopted by the CFPB in XXXX - any extra payments made on the loan would be applied towards the suspense account. 

So Shellpoint Mortgage is wrong to take my extra payments and subvert them into fees instead of suspense. I demand my extra payments, from the time my loan was transferred or before if applicable, be returned to the suspense account. 

I also request to be provided with my full servicing agreement which bears MY SIGNATURE. In other words my ORIGINAL servicing agreement and all others that BEAR MY SIGNATURE.
Consumer complaint received 2021-06-15
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act the following accounts account name and account number has violated my rights 15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX,
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Inaccurate Account - XXXX XXXX XXXX This account is reported as 2 entries in Transunion. One entry stated open account. The second stated this account as a collection. No report of this account in XXXX or XXXX. I have no knowledge of this account. Please delete as this violates the FCRA in reporting. see attached.
Consumer complaint received 2023-06-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act 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 several of my rights. 

15 U.S.C. 1681 Section 602 A. Clearly States that I have the rights to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states consumer reporting agency can not furnish Ann account without my written instructions.

15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

Chase Manhattan JP Morgan has decided to lend my debit card credit and charge overdraft fees as my account is in the negative by over XXXX the last two months, when I called to complain the fees where reversed, but I pointed out their is no real time banking and approval of ACH is not automatic as they noted as I tested their algorithm explanations by using XXXX XXXX for separate purchases that were approved and had overdraft fees. Over 25 % of my overdraft balance of XXXX is fees. Yet, ACH of {$5.00} is not approved or automatic preset debit through a payday loan. They do not have automated transactions for me as things posted on a credit card company take over 6 business days to post. Its hard to keep an account balanced if the algorithms change and there are no real time debit transactions to monitor the balance in real time Chase Manhattan XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I found that XXXX was reporting on my credit report. This was not me I sent them a police report and FTC affadavit 4 times already with no response, I also sent it to the credit bureaus and still have not received a response.
Consumer complaint received 2022-07-01
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-06-15
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: Experian Information Solutions Inc. (CA)

I am going to get straight to the point. Experian is continuing to ignore my requests. This is despite me sending two separate dispute letters AND filing a complaint against them. After that complaint, I sent another dispute in XXXX AND THEY IGNORED THAT AS WELL. If a proper investigation is not initiated by Experian, I am going to file a lawsuit against them. I will no longer tolerate their inaction and their flat out ignoring my investigation requests.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX at approximately XXXX XXXX, I received a phone call from XXXX XXXX, who said he was an independent process server. He said he wanted to serve me with a complaint tomorrow at my address. I ask what the complaint was about, then he gave me the phone number XXXX to call and a Case No : XXXX. 

When I called the number, XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, answered the phone. After giving him my name and case number, he said I owed Capitol One {$1800.00}, the account was opened on XX/XX/XXXX and that the last payment was XXXX of XXXX. At no time during our conversation did he say, " He was attempting to collect a debt and that any information obtained would be used for the purpose of collecting a debt. '' in violation of " FDCPA ''. 

Additionally, he lied about the dates and amounts of the debt in violation of " FDCPA. ''
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (DE)

I want my statements and documents in XXXX. TD Bank and Target store have indicated they can not. This is against ADA Compliance requirements and even if it is not specifically, I ask these 2 companies, should they? The specialist who tried to assist was actually very nice and in her way tried to assist by informing me I could use my XXXX or XXXX to listen to my statement like her ex boyfriend who went XXXX 3 years ago. She tried her best to assist, and not her fault. There is NO ADA Compliance controls at these 2 Firms and it seems XXXX or people who lack certain abilities, are in a tough spot. I have always admired Target and TD Bank, and it is unfortunate we are dealing with this situation this way.
Consumer complaint received 2021-08-23
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have contacted all three credit bureaus ( XXXX XXXX , & XXXX  ) several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) via certified mail letters disputing errors on my credit report. The one in specific that I'm complaining about is Capital One Auto Finance. It is listed as a joint account under me and my wife name. This account does not belong to us. The credit bureaus has only sent responses saying it was valid/verified with no documentation bearing our signatures. I have also reached out to Capital One Auto Finance for validation ( XX/XX/XXXX & XX/XX/XXXX ) and they sent a generic letter that it was valid and another saying we didn't provide them with enough information, when we did. This is causing emotional distress and making it difficult for us to get approved for a mortgage. We need assistance with getting this off both of our credit reports as soon as possible.
Consumer complaint received 2017-07-02
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA (PA)

immediately Following 2 yrs of unemployment, I Started working as an XXXX at a local XXXX XXXX  with a hire/start date of XX/XX/XXXX. My husband and I had just filed our joint income tax return for XX/XX/XXXX ' approx XX/XX/XXXX and was supposed to recieve our federal refund within 7-10 days. Approximately 13 days in, and have n't heard anything so I call the IRS and that 's when I realized our return was intercepted by Pheaa. It was n't until 4-5 days after this that i received notification via hard copy from the Irs. restating the interceptor/debt collector also identifying itself as pheaa. I was never informed by pheaa that my acct was in collections to begin with. I had ben given forebearances/deferments but never recieved notification of default. I contacted pheaa to inform them I had just started employment a couple weeks prior following 2 yrs of unemployment. According to their policy, they would n't seek further collections until i have ben employed for a continuous 12 months. So I would call back and set up payment arrangements when it got closer to the 1yr mark with my new found employer.. Well due to a protected Right, I was terminated from employment, having working my last day on XX/XX/XXXX, they suspended me and actually gave me a termination date of XX/XX/XXXX ( wrongful termination ) I never found employment until i found employment with a actual hire date of XX/XX/XXXX ( being unemployed for another 3 months ) I recieved my first pay check beginning in XX/XX/XXXX, and pheaa, without notification or informing me, had illegally began a wage garnishment on my paychecks not to mention by income tax return of {$5000.00} from back in XX/XX/XXXX that was mostly my husband because w filed jointly and he did no t owe debt.. I never knew that i could dispute the wage garnishment until XX/XX/XXXX. where i Had to send appeal to this attorney law office squire guy, for with my reason for appeal being checkmarked '' I was n't employed for a continuous 12months ''. Provided that I provide evidence that i had not ben employed for a continuous 12 months in order for them to stop wage garnishment. I provided them evidence from my current employer, where they confirmed by hire date of XX/XX/XXXX, and included everything for this wage garnishment to be stopped and this XXXX XXXX ( dcider of case ) was in favor of pheaa. I had proof of everything and i do n't actually think this XXXX XXXX looked at ... Them make matters worse, XXXX XXXX ordered pheaa to take 10 % of my monthly wages and they are taking double that out f my wages '' I make $ XXXX  month and they have ben deducting approx $ 400-560 a month
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (IN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 5. Failure to perform an investigation XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately as you failed to perform an investigation
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I made an on time payment by due date and then paid in full the account balance 4 days after due date and Citibank is rolling the balance that has been paid in full over to the next month when in fact it should have been reported to the credit bureau 's the account was paid in full. There was plenty of time before the next month to report it was paid in full I called citi bank and they refuse to acknowledge the paid in full account and refused to report the correct amount to credit bureau which in turn hurts my credit citibank has no problem reporting account balances or missed payments right away but an account paid in full takes months to report this is unfair business practices by big banks that needs to be corrected. They should be ecstatic when one of their customers actually pays their account off it should be celebrated by the banks that they have a responsible customer who actually did the right thing and not filed bankruptcy and they shouldn't charge interest on accounts paid in full like citibank rolling the balance over to next month and charging interest when balance was paid in full 4 days after due date.
Consumer complaint received 2017-07-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but none of these was follow,