davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$360.00} ; XXXX XXXX Balance : {$960.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXXXXXX Balance : {$180.00}.
Consumer complaint received 2021-06-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is reporting old information dated XX/XX/2020 and XX/XX/2020 on my accts ending in XXXX XXXX  XXXX XXXX  and XXXX XXXX XXXX also XXXX XXXX is posting old information XXXX
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

My ex spouse 's address is showing on my credit report, and I have never lived there. He is likely trying to steal my identity. He just moved there, and I have been divorced & living away from him for years. Please delete this address and any connected activity from my credit report : XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2021-06-04
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. (MD)

I have called XXXX XXXX and the XXXX Credit Bureaus without any reasonable response. I had asked them to look at the evidence again after verified, but hung up on me. I'm filing a complaint to have the CFPB to ask the 3 credit bureaus and the furnisher to look thru my evidence. The account number is wrong. The late payments are inaccurate. The account has been reaged. Pls see attached.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been double charge for my balances. When I enrolled for auto-pay I was under the impression that if I made a early payment the auto-pay feature would see a XXXX balance. 
It does not see that in fact capital one fail to inform me that this is happening. I believe capital one has their software design that way and here 's why. I have been making double payment several time because I paid early you would think that would make capital happy. At some point I realized my bank statement showing payments to capital one for the same amount. Call capital one customer service and informed them that they drafted {$4100.00} of over payment. It was clear to the representative I was correct. after a long wait to come back on the phone they said it could not be refunded due to the number of days that it wasn't disputed. So their using this policy to hide and avoid paying me what is morally right and do the right thing and to keep their customer happy. This is the reason why I believe capital one uses and will not improve program algorithm to not update balance status and I'm a clear example why.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (WA)

Nothing in my complaint was addressed by Equifax, Merchants, and XXXX Merchants and XXXX must give me copies of the contracts between Merchants and XXXX, and between XXXX and XXXX. I do not take their word that they own the contracts. They must show proof by giving me a copy of the contracts. XXXX I totally disagree with any and all amounts shown. They must provide me with the contract between XXXX XXXX and XXXX Insurance, and the contract between XXXX and XXXX for each and every item on my credit report. I do not take the word of XXXX XXXX and XXXX for the contract amounts. I have NOT been given any legal proof that I owe these companies and these amounts. Any company can make up any dollar figure they want. This issue has not been addressed at all. This appears to be a complete farce on behalf of these companies, and Equifax requires no legal proof to add whatever the companies tell them to add, which is also a complete farce. Thank you for your assistance with this matter. 
XXXX XXXX
Consumer complaint received 2022-02-13
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. (NC)

XX/XX/XXXX I sent a complaint to TransUnion, XXXX, XXXX about fraudulent activity on my credit report and I was never notified about the investigation. 
XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XXXX XXXX XX/XX/2021 Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Inquiry XX/XX/202XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XXXX XXXX Accounts
Consumer complaint received 2022-01-07
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. (MA)

I am a victim of identity fraud. Someone opened accounts under my name without my knowledge XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX
Consumer complaint received 2021-06-04
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. (CO)

I purchased two XXXX XXXX tickets for my husband and daughter in XX/XX/XXXX with the Chase Sapphire Preferred card, then closed the credit card several months later. On XX/XX/XXXX, I was issued a refund for {$620.00} total for two tickets. by XXXX XXXX to a Chase Sapphire Preferred card. Chase state they can not look up my previous credit card information, and XXXX XXXX says Chase has my money since they were issued the refund. However, Chase is not giving me my money. I have spoken with both XXXX XXXX and Chase six times each and spoken with managers whenever possible. The Chase managers have directed me to submit a message via their electronic system, which I have now done four times and each time I receive a letter in the mail directing me to contact XXXX XXXX. Again, every time I call XXXX XXXX they state that they no longer have the funds and that Chase has them. Please help me get my money back.
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX XXXX Case # XXXX XXXX. The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as XXXX Order of Trial documents for XXXX dates. Each document has been stamped by the XXXX XXXX XXXX Office. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly.
Consumer complaint received 2024-02-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roadrunner Account Services, LLC (TX)

I wanted to clarify a debt on my credit that is wrongfully listed, which i am trying to remove. Ive attached the police report and license plate for documentation of the wrongfully listed debt. The debt is for a motorcycle that I was leasing to own ( XXXX XXXX ) which was stolen from my current residence on XX/XX/XXXX. The motorcycle was found a month later, which was NOT informed to me from the XXXX Police Department until nearly 60 days after the report was made. Within those 60 days of the motorcycle being found, the motorcycle collected storage impound fees that couldn't be reimbursed nor paid by the XXXX Police Department or my current apartment residence, considering the security negligence of the broken surveillance cameras and broken entrance and exit gates to the apartment building
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CO)

On the date of XXXX, Citibank suddenly closed all my credit cards without any warning or notice. When I called, the agent refused to reopen the account or disclose any related information. This is very arrogant as a general credit card issuer.
Consumer complaint received 2016-05-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I feel XXXX XXXX ( Navient ) used deceptive practices while financing my degree. There was XXXX debt counseling as I applied for my first loan - the first day of my move in, I was pulled out of line at school and brought to the financial aid office and asked how I would pay for school ( 2003 ). Just turning XXXX, I asked them what do I do - the advisor instructed me to sit me down in a cubicle and dialed XXXX XXXX for me. Within a short time period, I had been approved for $ XXXX, after never holding a loan in my life. This became the norm each year which lead to $ XXXX in private student loans. Have tried multiple times to work with the lender for additional repayment options to no avail. I have currently paid $ XXXX towards these loans and the principle on the loans have only move by {$3000.00} ( from {$100000.00} to {$100000.00}. Roughly 8 years repaying and average payment of {$700.00} a month ). Multiple times I have called for assistance with the repayment and was pushed to a deference ( with capitalized interest ). I feel the company should work with high balance customers like myself to come to terms/agreements that work in both favors ( reduction in interest rate, fixed rate ). After research into this subject, it seems the only way to negotiate is through none payment and eventual default ( leading to ruined credit scores and potential loss for the lending company ). After paying more than {$40000.00} towards my loan, I should see a drastic decrease in overall principle. 

I believe I have experienced predatory lending practices in addition to deceptive allocation of payments and repayment recommendations from the company.
Consumer complaint received 2015-12-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I opened a XXXX svings/checking account and a line of credit with the Citizens Bank. I was told that there will be no maintenance fee if I had a direct deposit and keep the line of credit open. I always met both of these conditions of the bank. I had a less than {$20000.00} loan in my line of credit account and therefore paid {$50.00} annual fee separately for this reason. The Citizens Bank has charged me {$20.00} per month fee for 8 months. When I complained they reimbursed only {$60.00} for 3 months. However, this maintenance fee is totally bogus as I have always met the bank 's conditions. I have tried to speak with the bank a couple of times. Sent complain online but they do not care to resolve my issue and reimburse my remaining {$100.00}. This is an unscrupulous and deceiving practice of the bank to rip off customers like me and they are not willing to resolve it.
Consumer complaint received 2022-09-06
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: CREDIT ACCEPTANCE CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an Purpose
Consumer complaint received 2022-02-13
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. (VA)

Experian dropped my credit score by XXXX points on XX/XX/XXXX it was XXXX on XX/XX/XXXX now is a XXXX. I called about it on XX/XX/XXXX, I spent about 2 hours on the phone with XXXX who with help of other Co workers told me there was definitely a technical issue with my report. He reassured me that they would fix the technical issue on my report. They have not fixed it. They have no explanation as to why it dropped XXXX points. XXXX has my score XXXX, XXXX an XXXX. I worked very hard to get my credit up to these exceptional scores. Then Experian decides in a matter of 3 weeks to drop my score from exceptional to good. This is very detrimental to me as if I need anything they are messing up my exceptional credit history. I've called twice. They had me call Fico who tells me it's an algorithm pretty much. I don't see how it's legal to drop someone's score XXXX points in a couple of weeks for no reason messing up a very important piece of someone's identity. I went and placed fraud alerts and everything on all three credit bureaus because I didn't know what was going on along with freezing my credit. They need to fix this because this effects my life greatly.
Consumer complaint received 2016-05-07
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX age XXXX I am an XXXX with income over XXXX per year. My credit score is XXXX with all three credit agencies. In XXXX 2016 I responded to an offer by my existing bank Bank of America to refinance my existing HELOC loan on my owner occupied residence. I provided BofA with every document they requested, that was almost XXXX pages of my personal financial information. Keep in mind this was not a request for new credit but an application to refinance at a lower interest rate that would save me approximately {$300.00}. per month. The loan underwriter went into a process of imputing thousands of dollars in monthly phantom expenses, and disregarding real dollar income. She ultimately declined the application stating that I had insufficient income to meet my obligations. Completely ignoring the fact that I have made every payment on this loan and every other obligation every month in full and on time for over 30 years. Attached are documents supporting these assertions. You may make this statement public but please do not publish the attached documents.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

I dispute this debt belongs to me so I repeatedly requested validation and received no documentation. After receiving no documentation, I called XXXX and they confirmed they have no documents whatsoever. As there is no evidence of this debt whatsoever, I requested deletion of this trade line from my credit reports.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XX/XX/2024 Dear Chex System I am writing to request the deletion of all my personal information from your early warning system in accordance with data protection regulations, specifically [ mention relevant regulation if applicable, e.g., GDPR, CCPA ]. Please find below the details necessary to identify and delete my information from your records : - XXXX XXXX XXXX - XXXX - Any other identifiers or information associated with my account : ] I understand that under [ mention relevant regulation or company policy ], I have the right to request the deletion of my personal data. I hereby exercise that right and request prompt action to ensure that my information is permanently removed from your systems. Please confirm in writing once my request has been fulfilled and provide assurance that my personal information has been securely deleted from all databases and backups. Thank you for your prompt attention to this matter. If you require any further information or clarification, please do not hesitate to contact me using the details provided above. Sincerely, XXXX XXXX --
Consumer complaint received 2022-02-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CCS Financial Services, Inc. (TX)

On XX/XX/2022, Credit Collection Services mailed me my " first '' notice stating that they were attempting to collect a debt from me. I then received my second notice on XX/XX/2022. I was not provided the required 30 days to respond to this debt before Credit Collection Services reported me to the national credit bureaus. I sent notification by certified mail to Credit Collection Services stating that I needed validation of this debt on XX/XX/2022. Credit Collection Services received my notice on XX/XX/2022 but reported me to the national credit bureaus on XX/XX/2022.
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

This mechanism has been designed to inform you that back in XXXX and XXXX, my mortgage was with XXXX XXXX XXXX, I was on a repayment plan in the amount of {$460.00} per month. In XXXX XXXX XXXX XXXX bought out XXXX mortgage, then would not keep me on the payment plan that I had so they offered me a refinance plan in the amonkunt of {$1000.00} dollars a month. I had a subprime vendor on that loan at the time in which they did not remove it during the XXXX XXXX. Therefore I struggled to pay the {$1000.00} dollars a month for about 11 months. I then could not keep up the payments. They would not lower the monthly payments, and they stated that I was not eligible for the harp program in which I was qualified at that time. After reading that the Federal Government had sued XXXX XXXX XXXX for foreclosing on properties that they did not own. That is when I had to send in my complaint. They do not own my property either. XXXX owns my property. And XXXX is XXXX XXXX XXXX XXXX XXXX. Something is wrong. I was a victim in this fraud process with XXXX XXXX XXXX as well. Can they really do this to consumers.
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Jim Bottin Enterprises, Inc (MD)

XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX   Agreement number:  XXXX  To whom i t may c oncern : I signed up  for 1  membership. For the last year I have been charged for  XXXX  memberships. When I contacted the gym they acknowledge the error. They said they had been charging my credit card with my son 's membership bill because we have the same na me ( he  is a  XXXX   ). Th ey said if they are successfully able to charge the correct account they will remove the additional charges from my account, but if they are not able to charge the correct account they could n't remove the  XXXX  membership charges from my account. I have been unable to get any further information on the status of correcting the account other than " they are working on it ''. My son has his own credit card and is an adult,  XXXX   XXXX   XXXX . I do not pay his bills.   This is an account error within the company 's billing system. Customers should n't be charged or penalized for the company 's financial mismanagement of customer account.   I am requesting a refund in the amount of {$210.00} and for  XXXX   XXXX   XXXX   XXXX  to  be notified of ABC Financials billing error and stop collection attempts.
Consumer complaint received 2015-12-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (VA)

Shellpoint Mortgage services our home mortgage and has had XXXX major servicing errors on our account in less than 45 days. Both of which my wife and I have had to spend significant time resolving. In XXXX of 2015 they incorrectly processed Homeowners insurance payments. After 6 hours on the phone over 4 days and filing notice of error Under CFR 24 they finally resolved and corrected our escrow. Then in XX/XX/XXXX we made out MTG payment and they processed it not once but twice resulting in a NSF charge on our bank account of {$32.00}. We called XX/XX/XXXX to notify them and they we very apologetic and cancelled the duplicated payment and offered to refund us the {$32.00}. We sent the necessary paper work to them that day. On XX/XX/XXXX they on their own accord reversed the initial payment as well and then charged our Mortgage account a {$25.00} NSF charge. At XXXX XXXX on XX/XX/XXXX we received a call from a " Number not available '' from Shellpoint. On that call they demanded to know when and if we were going to pay out mortgage. After I reviewed the account history and speaking to my wife I called back. They admit there mistake and have claimed that IT has fixed the issue. 

Though they resolved the escrow issue and are now working to fix the recent payment processing errors Shellpoint treats its customers as guilty until proven innocent. The only way I seem to get results is to threaten reporting them to this agency. Well, I have had enough ... 
As a servicer should be able to process escrow payments to insurers without tripple paying them, and they should be able to properly process payments without double withdrawing the funds and then charging the consumer a NSF and it should not take hours and hours of the consumers time on the phone fixing their mistakes. 

If I could switch servicers I would ... ....