davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$3800.00} XXXX {$2300.00} XXXX {$4800.00} XXXX {$260.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX {$1400.00} XXXX {$86.00} XXXX XXXX XXXX {$400.00}
Consumer complaint received 2018-03-12
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. (FL)

In XX/XX/XXXX I was a victim of a scam that left my checking account negative {$4500.00}. I called Chase about setting up payments to pay of the account but was told I had to wait until they closed the account to make payment arrangements. So in the meantime I occasionally transfered fund from my other checking account to pay off the the negative balance. In XX/XX/XXXX I looked on my account and noticed that they deducted my whole balance of XXXX under an item of CHASE ACCT RECOVERY. So I called to see if I could set up payment arrangement like I originally requested to do. And agreed to pay {$100.00} every two weeks starting XX/XX/XXXX. They told me they could only make arrangement for 90 days and then I had to call back and set up new arrangements. I was told to call on XX/XX/XXXX to set up new payments. Which I did and I recalled being told by the gentlemen I spoke to that no payment was pending for XX/XX/XXXX which there was so I ended up making double payments which I could not afford. Especially since I was buying hurricane supplies for Irma at the time and losing hours at work. But I left it alone because atleast the account was being paid off. That 90 day period went by and I called in XX/XX/XXXX to start a new payment arrangement on XX/XX/XXXX. I was unsure of the end date of this payment arrangement which apparently was XX/XX/XXXX and neglected to call back to set up new arrangements I thought the last payment was XX/XX/XXXX. On XX/XX/XXXX I looked at my account and notice that they once again deducted my whole balance of XXXX on XX/XX/XXXX. Which now leaves me unable to pay my car payment and I'll be late on my rent which will create a whole snowball effect of late fees and leave me unable to pay the full balance of some bills. I called seeing if they could they reverse the transaction if I set up a payment arrangement with I had been doing faithfully for the last 9 months. It had only been a little over a week since the last payment was made and it was never communicated to me that the new payment arrangement had to be made immediately or they would clear out my other account. Not to mention this money was stolen from me so I'm paying back money that I've never even had in the first place. The only thing they could do is for me is refund me {$200.00} but I would have to pay the remainding outstanding balance in 6 month which is something I can not afford. Or they said they could settle the account but the balance had to be paid 60 days. Once again something I can not afford. So as of right now my account has a XXXX balance I and I don't know how I'll pay my bills. I just feel like there wasnt enough of a grace period or any notice that adverse action would be made. Also I have every intention of paying the money back and never gave the impression that I didn't so I don't know why I'm being treated as though they are struggling to get paid back.
Consumer complaint received 2022-06-11
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: EQUIFAX, INC. (TX)

EQUIFAX did not conduct a proper investigation and wont tell me what source they got their information. The XXXX XXXX XXXXXXXX account ending in XXXX is attachment account. The mailed me a letter stating they will not reinvestigate. Conducting an E-Oscar investigation is not a proper investigation. I will attach the police report and the EQUIFAX letter they mailed me. In accordance with the Fair Credit Reporting act, EQUIFAX has violated my rights.
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

First of all, I went through this process THREE times with Citizen 's Bank HELOC which I received a letter entitled, " Your Investigation Results '' which states that Citizens One Loans is " deleted '' from credit report I thought they understood that meant it was not me who spent the {$9000.00} line of credit and beyond a preponderance of the evidence, it was their senior representative - XXXX. 
In the previous Complaints to the CFPB, there Office of the Chair was just answering my complaints as if tea ever read them!? In the complaint, I wrote that I was told, years ago, by XXXX that it was costly to transfer money to pay my HELOC and at the time, I trusted banks! XXXX of 2016, I entered the bank seeing XXXX, the teller closest to the entrance. I saw on his computer screen my account opened and a larger amount deposited into an account I thought XXXX closed and money buy the hundreds was being transferred into my checking account # XXXX!!! I did not know at the time to take a picture and where is their fraud department as I had an account there for over 25 years and if I wanted the money ( check from XXXX XXXX ), I would have deposited it into said account!!! 
The Office of the chair in my last complaint told me it does not cost anything to make transfers ( I KNOW ) and Informed me that I should go to XXXX XXXX ( which I DID & sat in that office ( prior to the chair 's office recommendation! ) as I have my XXXX! Although it would be illegal to take advantage of a XXXX XXXX individual. I never made a claim for water and sewage back up which is what the heck is written on the check I never deposited into closed, I thought, account!!!!! 
I just got a bill AGAIN saying I owe {$100.00} by their Equity Department manager in the Collections Equity3?!?! By the way, the branch at the location I banked CLOSED!!! I wonder why ...!?!?! 
I never took any money from that account but was paying it! 
Once, I went to the bank because I never in entire time banking at Citizen 's received any statements for that account not knowing that there are billion dollar lawsuits for a bank to have an account open in their name and that person, in this case ME, not knowing about it! or never receiving statements!!!! in my last complaint, Citizens hello department I infer thought it funny to send me all the paper work at once so the pile was 3 inches high or more!!!!! Little too late I think!!!!! I was unaware of activity as I never made activity!!! I asked for XXXX and he 'actiing ' like he was having serious conversation with the HELOC department ( way before this incident in 2016 ) but when I asked what was said he told me that he could not discuss it and being naive, I accepted that as an answer ( don't ask me why?! ).

I do not owe any money to Citizen 's and why did I get a removed from credit report and still get a bill????? 
I DO NOT OWE IT WAS A RESULT OF IDENTITY THEFT!
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

First of all, I went through this process THREE times with XXXX XXXX XXXX HELOC which I received a letter entitled, " Your Investigation Results '' which states that XXXX  XXXX Loans is " deleted '' from credit report I thought they understood that meant it was not me who spent the {$9000.00} line of credit and beyond a preponderance of the evidence, it was their senior representative - XXXX. 
In the previous Complaints to the CFPB, there Office of the Chair was just answering my complaints as if tea ever read them!? In the complaint, I wrote that I was told, years ago, by XXXX that it was costly to transfer money to pay my HELOC and at the time, I trusted banks! XX/XX/2016, I entered the bank seeing XXXX, the teller closest to the entrance. I saw on his computer screen my account opened and a larger amount deposited into an account I thought XXXX closed and money buy the hundreds was being transferred into my checking account # XXXX!!! I did not know at the time to take a picture and where is their fraud department as I had an account there for over 25 years and if I wanted the money ( check from XXXX XXXX ), I would have deposited it into said account!!! 
The Office of the chair in my last complaint told me it does not cost anything to make transfers ( I KNOW ) and Informed me that I should go to XXXX XXXX ( which I DID & sat in that office ( prior to the chair 's office recommendation! ) as I have my XXXX! Although it would be illegal to take advantage of a mentally challenged individual. I never made a claim for water and sewage back up which is what the heck is written on the check I never deposited into closed, I thought, account!!!!! 
I just got a bill AGAIN saying I owe {$100.00} by their Equity Department manager in the Collections Equity3?!?! By the way, the branch at the location I banked CLOSED!!! I wonder why ...!?!?! 
I never took any money from that account but was paying it! 
Once, I went to the bank because I never in entire time banking at XXXX XXXX received any statements for that account not knowing that there are billion dollar lawsuits for a bank to have an account open in their name and that person, in this case ME, not knowing about it! or never receiving statements!!!! in my last complaint, XXXX hello department I infer thought it funny to send me all the paper work at once so the pile was 3 inches high or more!!!!! Little too late I think!!!!! I was unaware of activity as I never made activity!!! I asked for XXXX and he 'actiing ' like he was having serious conversation with the HELOC department ( way before this incident in XX/XX/2016 ) but when I asked what was said he told me that he could not discuss it and being naive, I accepted that as an answer ( don't ask me why?! ). 
I do not owe any money to XXXX 's and why did I get a removed from credit report and still get a bill????? 
I DO NOT OWE IT WAS A RESULT OF IDENTITY THEFT!
Consumer complaint received 2020-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

In XXXX it was brought to my attention that a collections company, XXXX XXXX XXXX XXXX XXXX, was attempting to get payment for a loan of {$1200.00} taken out on XX/XX/XXXX. This is a loan that I did not take out. They were threatening to have me arrested and would harass my family as well. I took steps with XXXX XXXX to clear the account they had under my information by completing a police report and writing them a formal response informing them that the debt was a result of an instance of identity theft. They told me that everything was taken care of. Earlier this year I received a letter in the mail from National Credit Adjusters , LLC, stating that they have taken over the account and that I now owed them the debt of {$1200.00}. When I spoke with them on XX/XX/XXXX they requested the same documentation, so after waiting to receive the police report, I sent them all documentation on two different occasions, XX/XX/XXXX and XX/XX/XXXX. I did not hear back from them until it was brought to my attention that my XXXX  credit score had dropped 115 points because of this debt.
Consumer complaint received 2018-03-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NY)

On XX/XX/XXXX, I refinanced my home with Flagstar Bank to payoff a {$220000.00} and a {$340000.00} mortgages to create 1 first  mortgage for {$580000.00} as stated on HUD1. 
Instead Flagstar Bank gave me a {$580000.00} mortgage on XX/XX/XXXX and never paid the {$220000.00} note they had outstanding on my home. All along I told them something was wrong but didn't know what since I could never refinance my home. 
Through a series of transactions Flagstar Bank was a ware of the defect yet never corrected it for over 10 years and through a series of assignments and transfers tried to disguise this egregious fraud, Finally XXXX XXXX trust / XXXX have toggled the mortgage on my home back and forth for the past several years in an attempt to defraud myself even further and now have filed foreclosure against my home without ever addressing this issue with myself. Flagstar attempted to close account because XXXX of these defects several years ago only to mask it through XXXX XXXX XXXX / XXXX NMLS # XXXX 
Attached is evidence and foreclosure complaint as well as response.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I had some unauthorized charges on my bank account, when I was doing my monthly review I noticed them and called my bank. I was told there will be provisional credit issued within few days and that never happened. I got a call today from the bank to inform me that the claim is denied and there was no proof of fraudulent charges because " the card was still in my possession.
Consumer complaint received 2019-09-05
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: SYNCHRONY FINANCIAL (MD)

Synchrony Bank has made a hard pull on my credit report on XX/XX/2019. I immediately notified them. They informed me that an investigation would be performed. The results from that investigation was that they made an error and that they would remove the hard pull from my credit report. I have spoken withXXXX, XXXX, XXXX, XXXX. I have also reported the information to the XXXX twice because, even after they admitted to the mistake, they have yet to correct their error. I have correspondent with them via phone, email and letters. I also have a recorded conversation with them. It is now XX/XX/2019 and they have not removed the inquiry that they made on my credit report. I have now had to freeze my credit reports to ensure they do not attempt to pull my report again. 
XX/XX/2019 XX/XX/2019 I contacted Synchrony Bank to let them know of the error. They told me to send a copy of the report to show the error and I did. 
XX/XX/XXXX : Company tells me it will take 6 weeks to finish the investigation XX/XX/2019, I contact the company and they told me the 6 weeks does not include weekends. 
the company tells me they are still working on my case and it will be finished in 6 weeks  XX/XX/2019 reported to XXXX XX/XX/2019 company responds telling me to contact via email XX/XX/2019 company admits to error XX/XX/2019 reported to XXXX XX/XX/2019 company responds and tells me they will do check to see why it hasn't been removed as I was told XX/XX/2019 reported to XXXX XX/XX/2019 company responds via email and ask me to send the same information again XX/XX/2019, I now report to CFPB and will report again to XXXX.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

I received an email from American Express today. They closed my account. They stated it was because of some delinquencies on my credit report through XXXX. I have a fraud alert on my account with XXXX   for over 5 years. That item that they are referring to is being disputed as fraud. For the entire 4 years almost that I have had my credit card I have never once made a late payment. I spoke with a person named XXXX. Someone was in the background laughing. I am not appreciative that no consideration was given as I am a fraud victim. I can be reached at XXXX to get this rectified. They never gave me an increase the entire time that I had this account. I am not happy with this issue at all and the fact that my score will decrease because this account is being closed. I would appreciate reconsideration given. Please see attached police report and a copy of my DL to verify my identity. I look forward to this being resolved. Thank you.
Consumer complaint received 2021-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (IA)

On XX/XX/2021 I sent a letter to H & R ACCOUNTS. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2019-09-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC. (CA)

I went to mortgage company confused about escrow account. Looked online no escrow analysis, I attached documents and asked them to tell me why there was a difference in what we had on HUD to collect for impounds and what was deposited? Also at the end of 2018 there was {$3200.00} in escrow then in XXXX escrow only has {$430.00}. Total PMI paid {$870.00} for 2018 and {$610.00} for taxes totaling XXXX. where is the remaining escrow balance? No body told me i had an excess escrow balance ( XXXX ) mortgage company informed they paid my supplemental taxes county told me fund s were short and they returned check to mortgage company. they also sent me a check which I returned because i wanted the accounting of my escrow account correct.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

XXXX has wrongly sent me to collections with Credit Collection Services for a debt they say I owe in the amount of {$76.00} for equipment XXXX alleges I never returned. I have attached numerous documents showing the date and tracking number verifying that I did, in fact, return the equipment pursuant to the guidelines outlined by XXXX. XXXX continues to ignore the evidence that I returned this equipment and they continue to state they never received the equipment. In the meantime, this collection is being reported on my credit report and is harming my credit score. I have sent numerous correspondence to both XXXX and Credit Collection Services, via certified mail, along copies of the tracking numbers, to prove that the equipment was returned. I do not owe this debt, I am not responsible for any of the charges, and I should never have been sent to collections. This incorrect reporting of a collection is doing damage to my credit score and this collection needs reversed. I have contacted the ( 3 ) bureaus, as well as XXXX and Credit Collection Services to solve this matter however, I have not been successful.
Consumer complaint received 2018-11-17
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: DISCOVER BANK (IL)

Discover has bill me and I've never had an account with them. The company is unable to find said account with my information and says the credit companies have to contact Discover to resolve the issue. However when I tried to issue a complaint I was unable to give an account number since I've never had an account. So, I told they can't do anything without an account number. How then can this be resolved since the company can't identify me with my name, address, and full social security number. They only continue to contact me by my telephone number. I can't send any documents because I only have this account showing on my credit report without any explanation as to how it got there and where did Discover get my telephone number, name and nothing else.
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (SC)

had an account through Chime Bank and my card was stolen. I lost over XXXX of my stimulus check, I filled a dispute and was not given anytime to send in my claim form. They never sent it to me until I had to call them and remind them. 

I was told I had time to get it in and the next day they denied me. They never received any of my responses or evidence and would not send me any Information the investigation and closed my accounts
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (IL)

There is a account on my credit for XXXX XXXX opened XXXX for {$210.00}. I have never received information on the debt and have tried to dispute through my credit asking for validation including information proving I opened the account but they never send me anything they just validate and keep it on my credit. I have been trying for almost 5 years to get it removed or validation. At this point I want it removed as I feel my rights have been violated by them not providing proof that I opened this account and that I owe it.
Consumer complaint received 2019-08-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (PR)

On XX/XX/2019, I wrote a letter to M & T Bank. On it a explained that my Name and address was wrong. As a result I wasnt receiving the monthly mortgage bill. Also, I tried calling all the telephones provided on the mortgage statement and online but non work. At another time I ask why my mortgage payment increased from XXXX to XXXX. They said that my mortgage had two hazard insurances. On XX/XX/2019, I wrote two letters to M & T Bank. On one I requested, again, to correct my Name and address. On the other one, I sent evidence that my apartment has an active hazard insurance and there was no need for a second hazard insurance. On XX/XX/2019, I received a call from M & T Bank saying that they didnt receive the XXXX payment for my mortgage. I told them that I sent it by certified mail on XX/XX/2019. They responded by saying that it was accredited to the escrow. To this date, it appears as if I have not paid my XXXX payment.