davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-23
Product: Credit card — 
Issue: Other — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

For my XXXX payment on my credit card from Fifth Third Bank, I made an online payment via direct transfer from my bank account on XXXX. No record of this payment was generated, either on their online service, XXXX, or via E-mail. On XXXX I was charged interest on the balance of my account. In response I made a second payment, and no record was generated. However XXXX payments were then processed, overdrawing my bank account. 

I contacted customer support on XXXX once the error was realized. My request was for the initial payment, in the amount of {$1000.00} to be refunded to me. I was told that the only option for refund was via check, which would take 2-4 business weeks to arrive by mail. I agreed to this. After three weeks, I contacted customer service again to ask for the status of my refund, and was told that the check had been mailed, but due to the holidays may take longer than normal to arrive. I was advised to call back if I had not received the check by the next Monday. 
The check did not arrive, and when I called back I was informed that it in fact had not been sent. I requested at that time that rather than mail a check, that the funds simply be re-applied to the balance of my credit card. The representative with whom I was speaking said that she would forward my request to the escalation team managing my account and have her supervisor call me when available. I did not receive a call. 
Two weeks later, the funds had not been returned to my account, and I called again. The representative with whom I spoke on that day indicated that there was no record that I had asked for the refund to be re-applied to my account rather than mailed, and the escalation team was still working on mailing the check. I again requested electronic application of the funds to my credit card. I was told that the escalation team would call me back, and they did not. 
On follow up later the same week, XXXX, the representative with whom I spoke informed me that monetary funds could not be deposited in my account until the XXXX billing cycle, and that the escalation team would call me the same day, but were unavailable at that time. I did not receive a call. 
I have tried again to contact the escalation team or a supervisor today, but was informed that they are too busy to speak with me. 

At this time, I consider Fifth Third Bank to have stolen {$1000.00} from me. I have been lied to repeated regarding potential options for resolution of the theft, and regarding follow up attempts on the part of representatives from their company. I have no faith that I will see this money again.
Consumer complaint received 2022-09-12
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. (KY)

In accordance with the Fair Credit Reporting and XXXX XXXX  # XXXX has violated my rights. 

15 USC 1681 section 602A states i have the right to privacy.

15 USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-05
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. (TX)

On XX/XX/2021 I noticed an unauthorized charge on my XXXX checking account for {$260.00}. The company listed was called XXXX XXXX, for a loan XXXX. I never heard of this company so I disputed this charge with XXXX on XX/XX/XXXX. I also checked my credit report with Experian, which showed an unauthorized loan for about {$5800.00}. I disputed this charge with Experian at about the same time, and they reported on XX/XX/2021 that they would not remove this false account from my report. I also contacted XXXX about the sames time and they could not confirm that this was a bad loan, unauthorized by me. 

XXXX XXXX  purchased XXXX on XX/XX/XXXX, and subsequently on XX/XX/XXXX there was another unauthorized charge on my XXXX checking account for {$260.00}. I also disputed this charge with XXXX XXXX. 

My dispute is with Experian for not removing this false loan from my report, and I also dispute with XXXX XXXX this loan. I did not authorize this. Thank you for your help.
Consumer complaint received 2020-08-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (IN)

I have have received approximately 5 different versions of the original promissory note that was signed on XX/XX/XXXX to buy my home all are forgeries. XXXX XXXX XXXX XXXX. first foreclosed XX/XX/XXXX with the first version of the forged Note. I modified the mortgage in XXXX of XXXX with XXXX XXXX XXXX the case was dismissed. They still tried to sell my property at sheriff sale based on the dismissed case after I paid them {$2700.00}. I got that resolved then sent XXXX a Qualified Written Request and received another version of the Note. I went into foreclosure again in XX/XX/XXXX and XXXX  created a Backdated assignment of Mortgage stating XXXX XXXX XXXX XXXX. incorrectly assigned my mortgage to XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX stated the Corrective Assignment signed XX/XX/XXXX was to correct the previous assignment that was filed in property records XX/XX/XXXX. XXXX assigned my mortgage from XXXX XXXXXXXX XXXX XXXX. to XXXX XXXX XXXX. Foreclosure was filed XX/XX/XXXX and all documents and affidavits are signed by XXXX employees the Foreclosure has 2 different notes with different endorsements. The judge doesn`t care and judgment was entered against me. The mortgage was transferred to XXXX XXXX in XX/XX/XXXX and the mortgage assigned to another alleged trust. XXXX has another version of the Note. Mortgage was sold again XXXX of XXXX to XXXX XXXX XXXX XXXX V-C and the servicer is FCI Lender Services. I sent a Qualified Written Request and received a response XX/XX/XXXX and now they have another Version of the Note. I have tried to modify my mortgage with all these people to stop the foreclosure but it doesn`t appear any of them are working for the holder of the Original Note. According to a Servicing Transfer Letter from XXXX XXXX XXXX XXXX XX/XX/XXXX provided by FCI the name of the creditor that the debt is owed is XXXX XXXX XXXX XXXX XXXX. FCI has provided the Servicing Transfer Notices from XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, I was informed on XX/XX/XXXX by way of a letter mailed from XXXX XXXX labeled Notification of Assignment, Sale or Transfer of your Mortgage Loan that the ownership of your mortgage loan has been transferred by loan number to XXXX XXXX XXXX XXXXXXXX XXXX. The transfer was effective XX/XX/XXXX and to start paying payments to FCI. XXXX has now Recorded a forged assignment of Mortgage to XXXX XXXX XXXX XXXX XXXX and recorded it XX/XX/XXXX in state records with false signatures and notaries of FCI employees. FCI and XXXX XXXX  are trying to steel my property with the help of the previous servicers and their forged and invalid assignments. I in good faith am interested in a valid mortgage modification offered by the true party that is authorized to offer one. These parties are continuing to to trade false and forged notes and recording invalid and forged mortgage assignments for their personal gain by way of fraudulent actions.
Consumer complaint received 2020-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

I started the process with Cardinal Financial XX/XX/2020. I submitted all the necessary paperwork as I work for a mortgage company myself. The week before I was supposed to close I was asked for documentation. I was reassured I would close on time. The week of my closing I was left in the dark as to the status of my loan. Fast forward today, 2 days after closing they had all the information they needed weeks ago. I am losing the house and my earnest money {$5000.00} as no one gave me straight answers. I received nothing. I can determine I was discriminated against as I am also an Underwriter which makes over six figures. I believe due to the nature of my employment also being the same position as the person whom reviews my file created unnecessary bias and discriminatory action. I was asked for items the investor whom purchases the loan would not need. I provided XXXX XXXX XXXX guidelines to support the lack of validity to the request. 
I have no other option. My family will be homeless as we were mistreated in this process. I also believe due to the XXXX of my skin, a XXXX of XXXX I was treated with lack of respect and not given direct answers as to the status of my loan. I have the evidence of being treated unfairly possible redlining as I was purchasing in an area with lack of diversity. I informed the key players I will lose my earnest money, out of a home etc by XXXX today. As I write this letter it is XXXX on XX/XX/2020 with no response or status update on my loan.
Consumer complaint received 2020-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

I spoke with a representative of Conn 's XXXX XXXX on XX/XX/2020 about a payment owed on my account. I asked if they had any payment relief programs due to the Covid-19 pandemic and was told they had a program that allowed a half-payment with the other half rolled over onto the end of the loan. Half of a payment was, in my case, {$82.00}. I said that I could pay {$50.00} at that time and the representative said that would be fine. {$50.00} was paid on XX/XX/2020 to account ending XXXX for XXXX XXXX, confirmation # XXXX. The remainder of the standard amount due was to then roll onto the end of the note, an amount quoted as {$110.00}. 

I received the confirmation email for that payment while still on the phone with the representative. I asked, while still on the phone, if he could push out confirmation and terms of the payment program via email so that I would have record of it. After holding for a few minutes he told me that it takes 2-3 business days for that email to go out. I've received no such email. 

Today, XX/XX/2020, I began receiving collections calls from Conn 's XXXX XXXX stating that account was past due and that the {$110.00} was due immediately. When I spoke with a representative they stated that the additional {$32.00}, over the {$50.00} already collected on the pretense that the account would be brought current, would be due in order to qualify for the payment program I was previously promised. 

This seems intentionally deceptive.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified the following discrepancies.
Consumer complaint received 2021-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (TN)

Sunrise Credit Services , Inc is in violation of multiple FDCPA laws. I am attaching proof of violation in the contents of this letter as well.

Exhibit A-15 U.S. Code 1692e.False or misleading ( 14 ) The use of any business, company, or organization name other than the true name of thedebtcollectors business, company, or organization.

Exhibit B-15 U.S. Code 1692f.Unfair practices ( 8 ) Using any language or symbol, other than thedebtcollectors address, on any envelope when communicating with aconsumerby use of the mails or by telegram, except that adebtcollector may use his business name if such name does not indicate that he is in thedebtcollection business.

Exhibit C-15 U.S. Code 1692e.False or misleading ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed.

Exhibit D-15 U.S. Code 1692f. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless
such amount is expressly authorized by the agreement creating thedebtor permitted by law.

Exhibit E-15 U.S. Code 1692b - Acquisition of location information ( 2 ) notstatethat suchconsumerowes anydebt ; Exhibit F-15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating
Consumer complaint received 2020-07-20
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)

I I opened an account with XXXX XXXX on XX/XX/2019. 

Trying to set up online payments when their system did not send out a bill as it was marked paperless when you set up an automatic payment. 

The bill was missed as I did not get the auto drafting functioning and the paperless billing was selected. 

I called into XXXX XXXX and a note was added to my account that the bill was missed and the account was paid in full. 

I requested that XXXX XXXX remove the negative payment mark as the account not even 60 Days old when they reported the delinquent payment instead of sending either via eMail of USPS that the account was going to be reported delinquent on my credit. 

I want this removed from my credit report ASAP.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent a letter to Experian on XX/XX/XXXX. Its been well over 30 days, I still have yet to receive anything back. 

I do not have any accounts or credits with these companies and are all closed as well. Here are the accounts that are in violation : XXXX XXXX XXXX  Date Assigned on XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute This is a violation of my rights.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This complaint is in regard to a Capital One Quicksilver credit card. 

I was locked out of the web portal for a year because the two step authentication insisted on sending access codes to an old phone number I no longer used.

So when I needed the card 10 months later I had to call and update my information to get a current card and access the we portal to keep track of things, I expected that but this is where it gets drawn out on their side.

It took 8 calls, with the 8th call being over an hour long for Capital One customer support to update my phone number. Which I had tried to previously do on prior calls. This is really my contention. It should not have taken two months and 8 calls to update my phone number.

Once I got the phone number updated I could log in online and update my address, which they would not do over the phone ( because they were once more verifying my uploaded ID pictures ). Then I could get the replacement card which they did to their credit expedite to me via XXXX, after two more calls of course.

Additionally Capital One would not provide me the phone number to C.F.P.B. I had to get your contact information from one of Capitol One 's competitors XXXX XXXX. That is the second contention. 

Capital One is attempting successful Fraud protection, which I appreciate but them referring me to a smartphone webpage to upload pictures via a cumbersome interface with incomprehensible symbols for interaction doesn't help. Then them locking you out after two attempts also doesn't help. The worst part is the representatives silence as you ask them how to use the darn id verification via smartphone provision. I had to upload my ID pictures 4 times. Yes the last set of pictures was the best and clearest but their ID check via smartphone needs a really good camera and equally good phone to use. I had to email pictures taken via XXXX camera.
Consumer complaint received 2020-05-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

LOANCARE SERVICING we have attempted several times via phone, faxes and a complaint form we got online from you company. A couple of our payments are not posted in the Payment History. We supplied the Payment Research Department with bank statements verifying the payments missing. After speaking with a representative we were told their records are correct. That we have difficulties understanding the differences in payment and posting dates. Even with those differences the payments should yet show on the history as posted.9 pages sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on a couple of the faxes we did not have the exact day. These were dates we attempted to reconcile with their payment history.Calls also made corresponding to fax dates and many others.The amounts are {$940.00} times 2, this is our monthly mortgage amount.
Consumer complaint received 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (NY)

XX/XX/2016 called ACS for a student forbearance information relayed to me was my loan was being sold to navient that my request can not be granted until the transition period is over and the new loan company has my files. It's in my report that the my loan has delinquencies of late payment. Accountability has not been acknowledge by irther party both loan offices are stating that during transitions the request of a forbearance was not granted and will be applied retro active. My student loan is still showing up as delinquencies of payment. ACS student loan has not fix the account. It is effecting my credit score.
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (NC)

I attempted to purchase a gift card from giftcards.com and was denied. I thought I listed my card info incorrectly so I tried again. I barely hit the purchase button when I received an email it was denied. I called the company and spoke with a supervisor who stated he could not tell me why it was denied. I had enough money in my account but called the bank, just to make sure something else did n't cause the decline.
In checking online, many people have had the same issue and the company will not explain why you are be declined.
It is unfair that a company can randomly decline you and give you absolutely no information as to why. When you get denied for other things, the business must explain why - this company should also.
Consumer complaint received 2015-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fith third bank ( contribution reference # XXXX ) reported inacurrate information to Early Warning system. As a result it reflects my report in a very bias way. After contacting Fith third bank on this matter, they ask for my information to see if they could resolve the matter. I.E. my account number or debit card number XXXX, Business name XXXX XXXX XXXX personal name XXXX XXXX XXXX. After giving this info they informed that they didnt see anything that was reported. So im asking for this matter to be investigated and release of any negative info on my report .Thank you
Consumer complaint received 2021-07-16
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: R & B Corporation of Virginia (CA)

ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX NA {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX {$120.00} CREDIT CONTROL CORPORATION XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX ADDRESS {$0.00}
Consumer complaint received 2017-06-04
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Advance America, Cash Advance Centers, Inc. (TX)

I will be filing a complint on your company for sharing my personal information with my coworker when the young lady called and talked to three coworkers and advance america was not surpose to give your company my social security number i signed a privacy policy saying my personal information will not be sold or shared which is identity theft please cease all communication with me and my complaint will be filed with the consumer financial pertection bureau sincerely XXXX XXXX
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

on XX/XX/2021, I wrote a letter requesting the investigation of accounts on my credit report. I never received a response so I mailed another letter on XX/XX/2021 stating that I hadn't gotten a response. Well it's XX/XX/2021 and I still haven't gotten a response yet. It has been 4 months!! The fcra gives 30 days for a response!