davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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. (PA)

I have a {$2400.00} debt on my credit report in which I have disputed at least 20 or more times over the last 4 years. I have written letter, I have called, I have submitted online request. I have been ignored! This charge is fraudulent. The furniture was returned to this store within 30 days or purchasing it. I should not be charged for the full cost as stated above. This company is double dipping which is fraudulent. They should not be able to charge me, full price for the furniture yet retake possession of it and resell it. I have requested copies of documentation and still ignored. I want this removed from my credit report once and for all!
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My credit needed some attention and after about 1 year, post pandemic, I began fixing my credit and monitoring my credit report and scores. While repairing my credit significantly I noticed my credit scores increasing which is what I set out to do and wanted. I've re-established credit with old and new financial institutions and obtained new credit cards with other credit card companies. I've used my new credit and to this day I have " Never '' carried a balance, not once. I pay my charges in full and currently I have XXXX balance on all of them, XXXX and there are about 5 major credit cards I have. I monitor my spending daily as I do all 3 credit reports. My credit scores were in the high XXXX 's and 1 was at XXXX just a couple of days ago. Today, XX/XX/2021 I check my credit reports and all of the scores except one, XXXX have dropped more than 40 points? and again, I don't now nor have I ever carried a balance and my payments are before on time, I pay any card before it's even due some times. My concern is, why with me being extremely vigilant with my spending and to never carry a balance forward, to me this is unfair for the credit report agencies, XXXX XXXX, who has never raised my credit score went from XXXX to, as of today XXXX and Equifax who just last week my score was XXXX and now it's XXXX. And again, today my credit cards are all at Balance {$0.00}, my monthly payments on my auto lease is impeccably on time, No I am paid 2 months ahead as a matter for fact. I feel the reporting and scoring are totally inaccurate as I have tried too hard and have been too diligent in maintaining a good credit history. It's time for me to push back on what I feel is clearly Unfair credit reporting and they have lowered my standings in terms of my credit worthiness.
Consumer complaint received 2021-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

Shellpoint mortgage has been refusing to pay my home insurance through my escrow account. On XX/XX/XXXX my husband died and in XXXX of XXXX I gave my mortgage company the death certificate, marriage license my identification and forms so that I could assume the mortgage that was in his name. The mortgage company approved the change around XX/XX/XXXX and my name was put on the mortgage. Abput 6 months later they started sending me billiing statements in my name and my deceased husbands name, two statements a month. A few months later the statements stopped coming in my name and all come in my deceased husbands name only. Now they tell me I can not assume the mortgage and when I call to make payments they give me a hard time and say I am not authorized to talk to them about the mortgage. In XX/XX/XXXX they refused to pay my home owners insurance because it is in my name and not my deceased husbands name. They said it doesnt matter if he is dead he still owns the house. If I pay the insurance I am worried they will just send me a refund check in my husbands name and the bank wont cash it because he is DEAD. On XX/XX/XXXX I spoke to a representative at Shellpoint with the last name of XXXX. She told me I was all set and they would pay the insurance within 3 days. They did not pay it. I called them on XX/XX/XXXX again and was on the phone for over XXXX hours. I sent an email with information attached to get the mortgage in my name which included ( 1 ) the deed in my name ( 2 ) the title in my name ( 3 ) my husbands death certificate ( 4 ) my marriage license ( 5 ) my state drivers license. The lady I sent it to said she would check to see if this was enough to get the payment made and said she has until XX/XX/XXXX to make the insurance payment. The payment was due XX/XX/XXXX. My insurance agent through XXXX XXXX XXXX in XXXX XXXX Michigan has also tried to contact Shellpoint. Today I called Shellpoint Mortgage to make a payment and the representative told me I can never assume this mortgage. She said I can also never make payments online because its not my home. I want to pay off my mortgage but if I do who owns my house?
Consumer complaint received 2022-02-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (CA)

I received an email last year approximately in XX/XX/2021 from XXXX stating I am eligible for an upgrade on my XXXX since I paid over half the total cost of the XXXX. So just to give some background to my complaint ; I used a company called Affirm to finance a XXXX XXXX. Once I got the email regarding upgrading my XXXX XXXX to another XXXX. I took of advantage of the upgrade. So I receive a email with all the shipping/labeling instructions. I shipped the XXXX XXXX back and got a confirmation email from a company called XXXX that the phone was received and evaluated. Unfortunately, after the 30 days passed before the balance was paid off. I am still receiving emails and text messages from Affirm requesting payment toward the XXXX XXXX that had been shipped and received in XX/XX/2021.
Consumer complaint received 2021-06-12
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC. (TX)

On XX/XX/XXXX I received a text alert from Frost Bank ( my checking account ) stating a scheduled transfer of {$3800.00} was received. I immediately called the Fraud department and advised that I did not authorize this transfer. My account showed that someone had fraudently accessed my account and set up an external bank account and scheduled funds to be transferred. The bank advised I needed to go into the branch and close my account and re-open a new account. 

After visiting bank and setting up new account all money was transferred to the new account except the {$3800.00}. The bank stated it was under investigation. XX/XX/XXXX the bank deposited was they called a " provisional credit '' to my old account and advised it was still being investigated. 

On XX/XX/XXXX I visited the bank again to find out why my money had not been transferred back to my new account. The bank teller stated the investigation was complete and transferred the {$3800.00} from the old account to the new. 

On XX/XX/XXXX Frost made a second withdraw of {$3800.00}. On XX/XX/XXXX I contacted the branch to inquire why my old account had a negative balance of $ XXXX. I was told the investigation was closed but they found no " banking errors '' therefore I would be responsible for the {$3800.00}. I asked the bank representative to provide me with all investigation information ; in particular the IP address that they said the transaction came from and identified as being mine. 

On XX/XX/XXXX I received a letter from Frost stating that if I did not bring my account to current it would beclosed and reported to a nationwide consumer reporting agency.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

XXXX servicing company for XXXX is listed twice on credit report for same account and refuse to update it. They told me to talk to XXXX. I have filed complaints with credit bureau to no avail.
Consumer complaint received 2021-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I made a purchase online after doing so I realized the company wasn't selling why they lead me to believe I was getting. My Bank Capital one text my phone and asked if I made the purchase I replied no and then tried to call the number in the text to clarify what was going on. I tried 3 times to no avail. After a week of no contact from capital one i called XX/XX/2021 at XXXXXXXX XXXX and after asking for my social security number, phone number, account number, date of birth they told me they can't turn my card back on or update my phone number. I said well if I have verified I own this account how are you going to hold my money and tell me you can't update and I'm just out of luck no I'll close it. The Manager ( XXXX XXXX ) said I understand. I can hold this account so you can come in a close it .... He should be walked to his car! See this week I'm broke but millions of dollars are on there way to me and trust when I say I will make sure every poor person is warned about banks who disrespect them because of how much money is in there account. This is sickening, the laws are now do for CHANGE! 

I paid my credit card with the balance in this account since they would not give me my money while I was on unemployment. I was forced to use my money as best I could so this system didn't eat my coins once again.
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (CA)

on XX/XX/2018 i received a call from carousel checks asking if i had order checks for my business. no was my answer. but they had already bill it for XXXX on XX/XX/2018 i received a collection notice for XXXX plus a returned check fee for XXXX.what is fraud since i never gave them a check. i contacted carousel checks and they would do what they to get this stop. in addition carousel checks send me 2 emails letting me know that they tried to contact TRS recovery service, inc., but where unable to speech to anyone.i called TRS recovery service, inc.all they is to get paid, don't care if it is fraud or not just want to get paid. on XX/XX/2018 i received my second notice. i have faxed all info to them now 2 times once on XX/XX/2018 and again on XX/XX/2018.this is fraud and they are holding my credit score in balance.this is one of those company that need to be stop or fined?
Consumer complaint received 2019-10-15
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. (NJ)

I opened an account with Macys, and decided to pay the card in full back in XXXX. at that time I was not getting statements in the mail, they were being sent via email. 
so I proceeded to pay the card in full but they kept billing me {$2.00} as a service fee that I had no knowledge of, I pulled my credit XX/XX/XXXX XXXX and there is a charge off listed on my report. I would like to get this removed as I had no knowledge that a charge off was going to be placed on my account. 

Please help
Consumer complaint received 2018-08-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: First Associates Loan Servicing LLC (MN)

I obtained a car loan through XXXX XXXX XXXX back in XX/XX/XXXX. The loan was then transferred to XXXX XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and elected to voluntarily surrender the vehicle. I was informed by the lender 's attorney that they are not coming to pickup the vehicle. They have filed a claim in my bankruptcy case for the balance of the loan ( {$4400.00} ). I now have a vehicle I can not dispose of, if they are not going to repossess it.
Consumer complaint received 2019-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

XXXX XXXX called regarding debt that is not mine. I have asked repeatedly to not be called. Number shows up with no caller id. XXXX XXXX  called at XXXX on XX/XX/XXXX phone number XXXX-XXXX-XXXX Ext XXXX.
Consumer complaint received 2015-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft. While incarcerated from XX/XX/XXXX to XX/XX/XXXX, someone stole my personal information and identity and applied and opened up the following unauthorized and fraudulent accounts in my name : 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. I have attached supporting documentation for proof, I was incarcerated.
Consumer complaint received 2022-02-04
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: JPMORGAN CHASE & CO. (NH)

I am being unjustly double charged by Chase credit card. I have tried valiantly to reconcile the matter with Chase credit, to no avail. Here are the facts : 1. On XX/XX/XXXX, I purchased a toy from XXXX XXXX XXXX ( {$51.00} ) as a XXXX gift for my XXXX XXXX XXXX grandson -- -- Item # XXXX : XXXX XXXX XXXX XXXX XXXX I paid Chase credit card for it in the same billing cycle. 

2. XX/XX/XXXX XXXX morning, we discovered the toy was defective. Via certified mail, I promptly returned it to the vendor for credit. 

3. XX/XX/XXXX, Chase granted me a credit for the {$51.00} cent charge. 

4. On XX/XX/XXXX, Chase rescinded its {$51.00} credit to my Chase credit card account AND REBILLED ME FOR THE SAME AMOUNT!!!! 

5. On XX/XX/XXXX, my return of the defective product was finally acknowledged as received by the vendor and the merchant agreed to credit my Chase account : XXXX XXXX  XXXX Thu XX/XX/XXXX XXXX XXXX To : You Hello XXXX, We're writing to inform you that we have received your returned merchandise for order number XXXX. ( Click order number to see all products associated with your order. ) We will promptly issue you a refund via the payment method originally used to place this order. 

If you requested an exchange, the replacement items will be shipped to you as soon as possible. 

For credit/debit card transactions, you should see a reflection on your account within 5-7 business days. If you have any questions, please contact us. 

Sincerely, XXXX XXXX Customer Service 6. However, Chase credit card company has now rebilled the original XX/XX/XXXX XXXX XXXX  {$51.00} charge to my credit card account : XX/XX/XXXX XXXX XXXX - {$51.00} XX/XX/XXXX REBILL XXXX XXXX {$51.00} According to Chase, my current credit card balance is XXXX.. inclusive of the {$51.00} XXXX XXXX charge. My balance should only be {$11.00} I have made several valiant attempts in both expressive modalities, written via email and oral via several telephone conversations with customer service representatives to resolve this thorny and unsettling matterto no avail. The customer service reps only proceed to read me a litany of my past 5 transactions. 
Chase refuses to rectify its egregious error and eradicate the {$51.00} charge from my Chase credit card account. I do not owe it and, as an elderly person on a fixed income, I absolutely can not afford to pay for a defective RETURNED AND ALREADY PAID FOR product. I have sterling credit and seek to maintain it. Thank you.
Consumer complaint received 2022-02-23
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)

I am totally dumbfound of this. I have no idea what is going on over there at the CFPB. I have submitted this complaint & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. This is so bothering on my part! The following accounts listed below were opened due to identity theft. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b... Thanks XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

Local real estate taxes went up, causing BB & T, now Truist, to increase the escrow payments and as a result my monthly mortgage payment. I had been paying my monthly mortgage payment automatically through my bank account with XXXX XXXX. I did not notice the information that my monthly payment had increased, and received a phone call once the next payment was due. I told the person on the phone conversation that I would increase the automatic payment to a little more than the new monthly payment to cover the difference. 

The next payment that was {$22.00} over the new monthly payment was held in a " suspend '' account because it did not include late fees from the previous month. None of the amount was applied until the next payment that was another {$22.00} above the normal new monthly payment was applied. This caused new late fees, and did nothing to catch up on the old late fees. While funds are in the " Suspend '' account they do not show up as applied to any payment, making the payment received and the payment due ambiguous. In fact the " payment due '' on the website appears to be below the amount sent. 

BB & T, now Truist, has developed a system in which late fees cascade even when payments are made on time, by holding funds that were sent in a " suspend '' account until they are considered late, and they are able to charge another late fee. 

A reasonable person would expect that the funds that were sent to be applied at the time they were received to the payment due, and any overages to be applied to past due charges.
Consumer complaint received 2021-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I sent a letter to you disputing this item as erroneous and fraud on XX/XX/2021 and mailed it. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),
Consumer complaint received 2023-04-05
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)

In accordance with the Fair Credit Reporting act XXXX  these accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX has all 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 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (CA)

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I need to report EQUIFAX for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX