davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FISERV INC. (WA)

On XX/XX/XXXX I wrote two checks at XXXX XXXX. Both cleared my bank on XX/XX/XXXX. However, Telecheck, the vendor for electronic checks for XXXX XXXX both cashed one check for {$300.00} then put it through again as NSF on XX/XX/XXXX. That check also cleared my bank on XX/XX/XXXX. 
I have spent over 6 hours on the phone with XXXX, the bank, Telecheck, and XXXX XXXX  trying to resolve this. On XX/XX/XXXX XXXX faxed proof that all three checks had cleared to Telecheck with the case number Telecheck provided. 
Yesterday I received a letter from Telecheck saying they had insufficient evidence to investigate and instructing me to write a letter, get copies of all transactions for five days before and five days after each transaction and send all with a copy of the letter to them. 
Since the second transaction happened XX/XX/XXXX, I had to request a ministatment from XXXX, which will take another five days to get. 
Today Telecheck also processed a {$30.00} NSF fee against my account. 
XXXX XXXX has tried to help. They are sending my letter and a copy of the XXXX bank statement out in the mail today. I expect this will take another week at least to be received and processed by Telecheck. Telecheck now has {$330.00} of my money and is completely nonresponsive. This is money I can ill afford to lose right now. 
The preauthorzed check numbers involved are XXXX and XXXX. The check presented in error is XXXX. The NSF fee is number XXXX. I would like to have my money back and any derogatory information removed from my Telecheck record as well as XXXX 's records. Thanks in advance for any assistance you can provide. 
The Telecheck case number is XXXX
Consumer complaint received 2020-01-24
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)

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if the credit bureaus is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and nothing is being done by XXXX Transunion or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus along with a picture ID from me so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that cfpb steps in and ensure that the credit bureaus does what's is right under the law.
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MA)

In XXXX, I opened a XXXX account which was my first phone contract. There was an amount of {$450.00} that went to collection which I paid on XX/XX/XXXX. On XX/XX/XXXX I printed my credit report and I seen XXXX XXXX XXXX on my report for tmobile. I called the number for XXXX XXXX XXXX, I was unable to reach a person so I called XXXX and they could not give me an idea why this collection is still on my report. They transferred me to the collection company which is not the company that is listed on my report, they said they have not received my payment and for me to call XXXX back to let them know. When I spoke to the customer service representative from XXXX  again she told me that I only paid {$190.00} out of the {$450.00} and that the balance was {$250.00} and also that the account went to 3 different collection companies. On my report, it says that the account is paid in full with the collection company.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2015-08-26
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC (AL)

I am a victim of identity theft and after being made aware ran my XXXX credit reports through XXXX, XXXX and XXXX. After doing so I was alerted to also contact XXXX XXXX and get a report from that agency. After receiving this report it did indicate a payday loan was established in my name with my SSN with XXXX/Red Rock, AKA Castle Payday in XXXX, MI.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX credit card shows 30 days late for the month of XX/XX/2021. This information is not reporting correctly. I have never paid late. I told Rep that the first time i seen this report on my credit.
Consumer complaint received 2021-05-06
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. (FL)

ON XX/XX/XXXX I WROTE AND SENT A LETTER XXXX  TRANS, AND XXXX TELLING THE TO PLEASE REMOVE OFF OF MY CREDIT REPORT. TO THIS DATE I HAVE NOT RECEIVED ANY INFORMATION. I HAVE TRIED TO REACH OUT TO THEM AND NO ONE HAS BEEN ABLE TPO HELP. ME. I WILL ATTACH ALL THE DOCS THAT I HAVE MADE AND SENT.
Consumer complaint received 2018-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

XXXX XXXX was assigned to service my XXXX XXXX in XX/XX/2017. Since that time, I have not received periodic statements from them. Today I checked the mailing address on my account and it is correct, and my account preferences that all statements should be mailed to me. There is no reason I should not have received statements via mail. 

This morning I received a prerecorded call from Heartland telling me to call them back. I never consented to receive prerecorded calls. I called them and was placed on a lengthy hold. During that time I checked my account online. It shows I am three months past due on my account. I NEVER received any statement for any of those charges. I tried to chat with XXXX XXXX on their website and submitted my complaint through their website as well. No response. 

I am concerned that Heartland has now incorrectly reported my account as past due to credit reporting agencies. Heartland needs to IMMEDIATELY correct any incorrect reporting. It also IMMEDIATELY needs to correct my account status and reverse all late charges. Periodic statements must be mailed to me going forward. An explanation letter from them, for my records, is also warranted.
Consumer complaint received 2019-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I was trying to cash a personal check amounting {$50.00} dollar at the Citizens Bank, XXXX XXXX XXXX, XXXX, PA XXXX this morning ( XX/XX/2018 ) by producing a my personal check to the teller -who said is also the manager of the Branch, ( name tag - XXXX XXXX ) In order to cash my own check, he asked for a Sate Issued ID. Unfortunately I did not have a state issued ID instead I gave my employer badge, issued by the Federal Reserve Bank of XXXX, that has my name and Photo ID. 

XXXX XXXX XXXX was very stubborn in insisting a sate ID or passport to get {$50.00} dollar even after he was able to verify my signature in the system and show an employer badge with Picture and name. And my account have much more than {$50.00} at this point of time. 

I feel like I am very much embarrassed, and felt like it is not a proper way of helping a customer, So I am filing my complaint with you to take up this matter at the appropriate level to 1 ) substantiate that this is strictly followed protocol of the Citizen Bank to cash out any check including a small amount of {$50.00}. 

2 ) If not, I feel like it is a targeted action by the employee of the bank. 

I even asked for his supervisor to present my situation, and he said he is the top one of the branch
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/XXXX, I saw a delinquent charge from Synchrony on my credit - credit sesame I contacted Synchrony on XX/XX/XXXX and I was told I shouldn't have been charged for a late payment which is what sent my account into delinquency. I paid Synchrony the delinquent late charge that I should've not have been charged because their malicious charge against my credit was holding stopping my approval for a house loan. 
Synchrony sent me a letter on XX/XX/XXXX the charges brought against my credit will removed from the three credit bureaus within 60 days. 
This collection agency 's predatory practices towards me as a consumer have caused me undue hardship by blocking my ability to be approved for a house loan. Is it not illegal for collection agencies to file against a consumer credit?
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (AP)

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 any purpose.
Consumer complaint received 2021-01-23
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: Experian Information Solutions Inc. (TN)

I am a victim of identity theft. An account for XXXX showed up on my credit report. I did not open, authorize or use this account. I contacted XXXX and was told to contact XXXX  XXXX  as they now handled the debt. I contacted XXXX through the CFPB and received a response indicating they investigated my claim and have ceased collection efforts on the account. On my credit report XXXX is still reporting this debt. I am disputing this debt and requesting its immediate removal. I have attached a copy of the full complaint filed against XXXX  XXXX  regarding this debt, including their response indicating their decision to stop collecting this debt due to identity theft. Please note that due to file size I was unable to upload the document directly to credit bureaus website and thus had to use the CFPB.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (SC)

On XXXX XXXX I had a negative balance of XXXX. I added XXXX to leave XXXX negative. Chime had it at XXXX negative. I message thru their chime bot and nothing. On XXXX XXXX I was charged XXXX for a game I do play and buy coins for but Not that transaction. Once again nothing. Never no mentioning of refunding my money but was told my card will be disabled due to it being compromised. I responded back DO NOT DISABLE my card, cause it was not compromised. Chime refused to refund the money and wants to hide the fraudulent activity the company has going on by disabling my card with my money on it that I use to pay my bills. I would like to file an civil suit against this company.
Consumer complaint received 2019-03-15
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: Experian Information Solutions Inc. (TX)

I contacted XXXX and experian about an account listed by XXXX XXXX XXXX. 
XXXX XXXX XXXX Potentially Negative XXXX XXXX XXXX XXXX Debt Buyer Responsibility Individual Balance {$1200.00} Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$1200.00} {$0.00} 1 Months Date Opened XX/XX/XXXX Status Collection account Payment History {$1200.00} past due as of XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX This account has been reaged. I have disputed this reports 3 times. Each time they allow the collection agency to falsely report their accuracy. The account they claim to be collecting is so old it does not appear on my credit report. This is a fair indicator of an issue. The opening date of this account is listed as XX/XX/XXXX. If that were so the XXXX would show on my credit report. I asked Transunion for the original date of delinquency and they told me that is did not matter. If the original account is so old it is no longer on my report than the collection account has to have been reaged. 

The same situation exists with XXXX  XXXX XXXX XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX XXXX Placed for collection : Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Open Account COLLECTION AGENCY/ATTORNEY Balance : Date Updated : Original Amount : Original Creditor : XXXX XXXX Past Due : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Consumer complaint received 2020-01-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ND)

I've tried to resubmit information for an income-based repayment plan but the website keeps getting an " error '' and I'm unable to submit the proper information. 

My student loans jumped from {$150.00} to {$270.00} to {$670.00} dollars in the last 4 months. 

I understand that I believe I was on an income-based repayment plan but Navient must think I'm making more money. 

I'm currently working part-time and not able to afford a $ XXXX  monthly bill.
Consumer complaint received 2019-03-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AZ)

My current Home Equity Loan is with Ditech, recently I received a letter saying my account number would change due to a system upgrade, this was to have taken place from XX/XX/XXXX until XX/XX/XXXX with the system being up and running by XX/XX/XXXX. As of this complaint the system is still no working and customer service reps or myself can not view my account or history online or via the XXXX #. This has caused a great deal of stress as I need information to complete my XX/XX/XXXX taxes, I have called multiple times ( hold time is typically 25-35 minutes ) then told the system is still not up and running yet and to call back the next day. They are in violation of several responsible servicing rules and regulations as they can not provide detailed loan information to me, yet l am expected to make ontime payments.
Consumer complaint received 2020-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

Professional adjustment company Debts XXXX I spoke with this company and was told to come there to match signatures with the forms they show and my driver license as I was on my way the lady told me don't come because the computer was down to come a couple of days later I called her and called she insisted that I didn't need to come.I disputed this with the credit bureau to no avail please help this is my last resort before I take this matter to Court.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TN)

Made full payment of credit card, closed account and canceled card with Citi Diamond Preferred MasterCard by telephone on XX/XX/XXXX to customer service at XXXX and authorized my XXXX Bank to approve this final payment. After checking my credit reports at the end of the year, I discovered that Citi had charged me {$2.00} in interest plus {$120.00} in delinquent fees. After calling customer service, I felt intimidated to pay this amount and clear the records again on this closed account ; therefore, I again paid by telephone authorization this full amount of {$120.00} on XX/XX/XXXX. Now I have received an email informing me that I owe an additional {$1.00} due by XX/XX/XXXX. I have never been late on my payments until trying to close this account with Citi. I feel this is a fraudulent abuse of our terms of agreement to pay-off this account and unfair practice of applying delinquent fees. I request that Citi refund this payment of {$120.00}, rescind this latest charge of {$1.00} and remove all negative false statements to the three credit reporting agencies. Furthermore, Citi should provide a written statement to me confirming their actions in this matter. Thanks for your help.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

REQUESTED ALL PAYMENT HISTORY MADE TOWARDS CAR PAYMENT. NISSAN DENIES TO DO SO. 
THEY ARE REPORTING THAT XXXX WERE WRITTIN OFF. INCORRECT. 
MADE XXXX PAYMENTS OF XXXX EACH PLUS A 0NE TIME PAYMENT OF XXXX TO RECOVERY PLUS A XXXX DOWN PAYMENT.
Consumer complaint received 2021-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I sent a payment to XXXX XXXX XXXX but the check was returned because the address was incorrect. I noticed on my credit report that commonwealth financial systems had the debt for {$87.00}. I sent a payment but it still shows on my credit report
Consumer complaint received 2019-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

An elderly XXXX man who did yard work for me for years and was the helper of a deceased man who did home improvements for me has asked me for money and I have granted him the money because he is a friend. After paying exorbitant fees to XXXX, along with XXXX  XXXX XXXX 's additional fees because these are " cash '' transactions, I decided to revise the man 's checking account with Wells Fargo to include me so that I could quickly move cash into his ( and now my XXXX Wells Fargo checking account. Normally these transactions take 3 business days. The XXXX man, whose deceased wife handled the family financial transactions, was always low on available funds for rent and food. The joint account was established in XX/XX/2019. Months of small grants from me to him proceeded smoothly. I never withdrew money from his account. All deposits were electronic. No checks. In a conversation with my financial adviser she said the arrangement was stupid since I am retired and plan to live a very long time. I closed a separate checking account that I opened at the same time as the aforementioned joint account. I told the XXXX man that I was no longer going to be able to help him. Beginning XX/XX/2019, person or persons unknown deposited fraudulent checks totaling {$21000.00}. Wells Fargo did not wait for the checks to clear. Wells Fargo happily handed cash to whoever was depositing the checks. I reported this several times to the financial institution. They refused to remove me from the joint account without the XXXX man being present at the branch. He was, at the time, in the hospital. Today I received a letter from Wells Fargo threatening to ruin my credit rating if I, personally, did not pay {$21000.00} to Wells Fargo. They also intend to close the joint account effective XX/XX/2019. Wells Fargo could have but did not use due diligence with these multiple checks that turned out to be fraudulent. I have retained counsel.
Consumer complaint received 2022-04-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has 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
Consumer complaint received 2022-04-29
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. (TX)

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION/XXXX # XXXX, has 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
Consumer complaint received 2022-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Link Management, LLC (WI)

Ive received several text messages about a debt That is not mine!. I called and spoke to XXXX and i spoke to a rude man informing them to stop sending me texts and calling me about a debt that IS NOT MINE! IM NOT MARRIED THEY CONSTANTLY CALL AND TEXT ME.TO THE POINT OF HARRASSMENT. IVE ASKED THEM TO REMOVE MY NUMBER.BUT THEY CONTINUE TO HARRASS AND ARE EXTREMELY RUDE!
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage Loan Servicing ( aka NewRez ) continues charging me {$1400.00} each and every month for my escrow/impound account, when the actual yearly total of my taxes and insurance is only {$8800.00}. Therefore, the monthly payment for the impound account should only be {$740.00}. I have asked them multiple times to correct this through an escrow account analysis or, alternatively, to remove my escrow account and allow me to pay taxes and insurance myself, but they refuse.