davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FinCo Services Inc DBA Current (CO)

I have a prepaid debit card with Current. In XX/XX/XXXX many different fake companies like XXXX XXXX  XXXX, XXXX, XXXX, was charging my account. I did everything I was supposed to do including getting another card to stop this. I filed a complaint with current and they said they investigated this. I dont think they did because I just got another charge on my account yesterday XXXX XXXX, XXXX @ XXXX XXXX  at XXXX XXXX. I live in XXXX, CO. and we dont even have a XXXX XXXX. I told Current right away that this is not me and please look into it. I want it to stop. I just received a new card not that long ago from other problems. So there should be no reason why my card should be being charged. Plus I dont have a balance. When I talked to XXXX from Current she said I cant file a complaint just get a new card and I will get it in weeks. I told her no because I'm going to get unemployment again and I dont want to wait that long for a new card. She did it anyway without my permission. Now I have to wait because I cant change my card on unemployment at this time. This has been a continual problem with this card since i got it early last year. Even if I change my card it continues.. I dont know what is going on.. I even investigated these charges and sent them the info. Nothing came of it. I just know that my money keeps being taken and they do nothing about it.believe it or not. as i was doing this complaint another charge tried to come through and they cancelled my card.. unbelievable
Consumer complaint received 2021-11-03
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. (NJ)

I, XXXX XXXX have received an inquiry on my credit report after getting on a car lease with XXXX on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed.
Consumer complaint received 2021-05-02
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. (CO)

XXXX XXXX has been inaccurately reporting me as 30 days late for the month of XXXX. A XXXX XXXX representative has also stated that they would submit the code to have my account reported as affected by a FEMA declared disaster for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but they have not done this either. I have tried resolving this with them multiple times and I have gone through the XXXX  and the credit bureaus. I have already submitted a complaint here through the CFPB but new information has surfaced. I received a response from them that admits I paid on time for XXXX, see attached, however they are still reporting me as 30 days late for XXXX and they have repeatedly refused to fix this.
Consumer complaint received 2020-08-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo did not credit interest earned on a monthly basis and post the subsequent interest earned based upon those cumulative amounts as stated in the financial disclosures for the CD over a nearly 18 month period. Consequently, back interest accumulated is owed, according to the Wells Fargo Bank branch. Wells Fargo refuses to respond by correcting the error. The complaint that was referred to their corporate office originated from the local bank branch manager because they believed that the bank had made a mistake and back interest needs to be calculated and paid.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX has been inaccurately reporting me as 30 days late for the month of XXXX. A XXXX XXXX representative has also stated that they would submit the code to have my account reported as affected by a FEMA declared disaster for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but they have not done this either. I have tried resolving this with them multiple times and I have gone through the XXXX and the credit bureaus. I have already submitted a complaint here through the CFPB but new information has surfaced. I received a response from them that admits I paid on time for XXXX, see attached, however they are still reporting me as 30  days late for XXXX and they have repeatedly refused to fix this.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

The JCPenney credit card does not apply payments appropriately when there is a promotional balance. 

I made a large purchase on my card under an 18 month promotional payment, followed by a non-promotional purchase. With other such cards, payments beyond the minimum are allocated to the highest-interest balance ( which is, of course, the non-promotional balance ). 

As soon as my non-promotional balance posted, I paid that amount ( above the minimum ) to make sure I would not get an interest charge. To my shock, the payment was allocated to the deferred interest balance rather than the non-promotional purchase. I called up and this was corrected, and was informed that in the future the only way to pay the non-promotional balance is to call in. I do not believe this allocation is even allowed under the CARD act ( as the non-promotional balance currently charges higher interest ), although the representative insisted it was. 

Therefore, when I made another non-promotional purchase a month later, I called in to make a payment as soon as it posted. I clearly stated multiple times that I wanted this applied to standard, non-promotional, balance and that was the reason I was calling into make a payment. I was reassured multiple times that she was applying the payment this way, but when the payment was posted, they applied it to the deferred-interest promotional balance! I had to call in yet again to get it fixed. The representative admitted they applied it to the promotional balance and claimed to have fixed it. I do not know yet if it was fixed. 

In summary, the representatives at Synchrony make it next to impossible to pay a non-promotional balance before interest is charged, and their representatives lie to consumers who actually do make the effort to attempt to call in to have their payments applied appropriately. I sincerely hope that the CFPB will take action to stop these deceptive practices.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

on XX/XX/2021 i sent letters to the XXXX about personal information being inaccurate and requested them to update on my report to keep me from being prone to identity theft.as of XX/XX/2021, i have not heard from either of them concerning my personal information.
Consumer complaint received 2021-02-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was going through my credit report on below XXXX negative accounts that were included in XXXX public record. However, Im really concerned about your method of investigation because they continue to report several and multiple inaccuracies, misleading and incomplete info, and those items account status were never updated. The accounts shows different dates of last active, different last payments, inconsistencies of payment history, questionable HIGH CREDIT balance, and incorrect payment status. How is it even possible that you conducted a truthful investigation? How come the comments on this account never said that the consumer disputed. Due to these inaccuracies, and misleading information. Therefore, Im demanding that you completely DELETE these accounts below.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Back in XXXX, I completed the three month loan modification trial period plan with BOA. That should've results in a permanent modification due to the successfully completion of the required trial payments. After, the trial I didn't receive the permanent modification. It was sold to XXXX, XXXX on XX/XX/XXXX where the mortgage went from XXXX to XXXX. Now, XXXX XXXX XXXX XXXX XXXX XXXX has the mortgage since XXXX. I tried to modification with them and have been denial for all trials. Even thought the original approved modification should've transferred over when they assumed the loan.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (WA)

Good day, To whom it may a concern, I have recently pulled my credit report and noticed the closed account SEARS/CBNA being reported as a charge off, however the address associated with this account is incorrect and inaccurate. According to the fair credit reporting act I ask this account be deleted and completely removed off my credit report immediately.
Consumer complaint received 2024-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I have a HELOC with Citizens bank. The HELOC is in payback stage. Citizens bank only provides a lum sum payment which comprises interest charge and principal payment. I have requested the bank to provide breakdown of the payment requirements into XXXX parts : interest charged and principal payment requirement. Citizens bank refused. the following is the letter I sent to its CEO. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Citizens Bank Subject : Request for Enhanced Transparency in HELOC Account Statements XX/XX/2024 Via email Dear XXXX XXXX XXXX, I hope this letter finds you well. As a devoted customer of Citizens Bank, I am writing to express my concerns regarding the clarity and comprehensiveness of the monthly statements for my Home Equity Line of Credit ( HELOC ) account ending in XXXX, particularly during its repayment phase. 
At present, the monthly statements merely provide a single figure representing the total payment due, a format that fails to meet the expectations of discerning consumers who strive for a thorough understanding of their financial standing. 
I recently communicated this issue to XXXX XXXX XXXX, who kindly escalated it to your office. Unfortunately, my subsequent conversation with a representative, which occurred on XX/XX/2024, at approximately XXXX XXXX, left me disheartened. Despite acknowledging my request, the response conveyed an unwillingness to address the matter further. I urge you to review the recorded conversation for clarification. 
I am writing to request immediate action to rectify this situation. Customers, including myself, should be entitled to comprehensive breakdowns of our financial transactions with each billing cycle. Therefore, I insist that future statements include the following essential details : 1. The principal amount paid during the current month.

2. The remaining principal balance as of the statement date.

3. The interest accrued for the current month.

4. The required principal payment.

5. The total payment ( principal and interest ) due for the month.

The absence of these critical details presents a significant obstacle to effective financial management and impedes our ability to track expenses accurately. It is imperative for Citizens Bank to take responsibility and enhance transparency by furnishing customers with complete and unambiguous financial information.

As the CEO of Citizens Bank, I trust that you recognize the importance of addressing this issue promptly and effectively. I eagerly anticipate seeing the necessary revisions reflected in my next statement. Rest assured, I believe in the bank 's commitment to transparency, honesty, and a mutually supportive relationship with its customers in navigating their financial matters. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2019 I started bankruptcy chapter XXXX pro se and in the midst of it I chose not to move forward. So I toughed it out with my creditors continuing to pay my bills on time. I spoke with the Bankruptcy court and it shows that i didn't turn in the proper paperwork to moved forward. A third party XXXX XXXX is reporting the information inaccurately without knowing all the facts.
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (LA)

My name is XXXX XXXX a federally protected consumer, and Iam making this complaint against ( Enhanced Recovery CO L. ) for committing identity theft. I have never given ( Enhanced Recovery CO L. ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a Cease and Desist of all illegal, any communication and collection activity, of this and any alleged debts until ( Enhanced Recovey CO L. ) can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them, if this documentary evidence Can not be produced and ( Enhanced Recovery CO L. ) continues its collection efforts. I will file for litigation for actual damages caused and ( Enhanced Recovery CO L. ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt and response are both requested and required. Account # XXXX
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Dear XXXX, Equifax, XXXX Thank you for sending me your internal records of the debt ( XXXX XXXX ) ACCOUNT # XXXX. I was Provided FACTUAL EVIDENCE by XXXX XXXX XXXX, a contract with my alleged " signature ''. On the contract it has in RED STAMP that says " PAID '' with completion date XX/XX/XXXX. HOWEVER on the contract it states the FINAL PAYMENT was due on XX/XX/XXXX. How could this be a CHARGE OFF account if the payment was due only 20 days after the due date? which is PAID IN FULL. I also have circled the date on the contract that says this account was opened on XX/XX/XXXX HOWEVER all three reporting agencies have different dates that says this account was opened in XXXX and XXXX? With so many inconsistencies regarding the account in the ( DATE OF LAST ACTIVITY ), ( DATE OPENED ) ( CLOSED DATE ) ( DATE REPORTED ), ( DATE OPENED ), ( ACCOUNT STATUS ) ( LAST PAYMENT ) & ( CREDITOR REMARKS ) section. This can not be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. i have attached my UTILITY BILL for address verification and SS # AND DRIVERS LICENSE best regard XXXX XXXX
Consumer complaint received 2023-02-22
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. (AL)

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

XXXX XXXX XXXXXXXX Case or ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXX XXXX XXXXXXXXXXXX XXXX  or ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX acct * XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX acct XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX acct * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX 15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (AK)

Last month we went into Alaska XXXX XXXX XXXX for the first time ( of many to come ) to try to open up a checking account. However, ChexSystems kept coming up with a " zero score '' for me. So they were unable to open the account or tell me why I couldn't so I contacted the agency and they told me that they couldn't tell me why I was unable to open an account but that they would send a report in the mail telling me. So weeks pass... I finally get a report in the mail telling me possible reasons why. Nothing concrete. We figured, okay, whatever, we just moved here so maybe after solid employment in this area for a couple of months we'll be able to open the account. So we eventually go back to Alaska XXXX XXXX XXXX two other times. The second time we eventually ask for the branch manager who goes on to help us call ChexSystems and have them disclose why they wouldn't give us a reason why we got the " zero score '' so we couldn't open the account. They responded with multiple " we don't provide that information, the bank does '' So the manager said " we don't even have that information it's from your company so how are we supposed to tell that to the customer '' Round and round we go. ChexSystems has been the worst government agency we have ever had to deal with. What a shitshow. One of the executives of the bank eventually reached out to ChexSystems directly and they wouldn't give any information again, telling them to have us call them again with a customer relation number on our report. Called again, they again said that they don't have or share information.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

ON XX/XX/2020 I CONTACTED EQUIFAX REGARDING SEVERAL ACCOUNTS THAT WERE THE RESULTS OF IDENTITY THEFT. I SUBMITTED MORE THEN ENOUGH SUPPORTING DOCUMENTS TO HAVE THIS ACCOUNT NAMED. XXXX XXXX XXXX ACCOUNT NUMBER XXXX I HAVE NEVER BEEN ASSOCIATED WITH THIS ACCOUNT AND DOES NOT PERTAIN TO ME.
Consumer complaint received 2022-04-26
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. (CA)

On XX/XX/2022 I sent dispute letters to experian through The United States Postal Service XXXX mail. I expected to receive some type of communication from experience within 30 days. On XX/XX/2022 I checked the certified mail tracking number and found out and found out that the letters i sent to experience on XX/XX/2022 were delivered on XX/XX/XXXX XXXX 2022 at XXXX pm. So at this point it had been over 30 days since experience had received my dispute letters letters and I had not received any correspondence. Because I had not received any correspondence I proceeded to call experience on XX/XX/2022 to find out what was going on. When I spoke with an agent from experience I was told There was no disputes in the system for me. I explained to the agent that I had sent in dispute letters and they had been signed for and received on XX/XX/2022 at XXXX pm. The agent told me they had not received it and that I need to resend the letters and start the process from the beginning. That does not make any sense and does not follow the laws set in place to protect the consumer from aggregious things like this. I was told " they could not find anything from me but they have a signature on the certified letter from an employee of their company. I need help getting this issue right. When i asked to speak with a supervisor I was told they dont have time to talk to people about small things like this. Is this how business is supposed to be done by the major credit bureaus? I need your help now because this company is not following law and procedures that have been in place for years.