davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

We need to have a mortgage discharge filed with the Massachusetts XXXX XXXX County Registry of Deeds for an unused HELOC. 

We opened a home equity line of credit with Citizens Bank XXXX XXXX XXXX for XXXX on XX/XX/2000. The equity loan was never used. We have contacted several local branches and a corporate contact given to us by one of the branches. The contact was XXXX at ( XXXX ) XXXX XXXX, a case number of XXXX was assigned. The results were that no one we contacted from Citizens could find a record of the HELOC. 

If the HELOC was closed/removed for inactivity it should have been discharged at that point, how do we get the mortgage discharge filed? 

If the HELOC is still active, how do we get it closed and the mortgage discharge filed. 

The mortgage transaction was filed by XXXX for Citizens Bank with the XXXX XXXX County Registry of Deeds on XX/XX/2000. The document filed with the registry of deeds show the XXXX tracking number and customer reference number on the bottom of the last page. The original document was returned to : Citizens Bank Document Control Office Citizens Bank Document Control XXXX XXXX XXXX XXXX, RI XXXX A copy of the Registry of Deeds document and a list of all of the Registry of Deeds transactions are attached.
Consumer complaint received 2021-03-04
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Hello I have reached out multiple of times for paperwork on the sale of the vehicle XXXX XXXX and never received anything to show how much it was sold for or anything this is unfair practice and should be removed from our credit report. This is the 7th year of it showing non payment which means it's outside off the statue of limitations.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (DE)

Citicard declined a fraud claim. They fail to comprehend that I had 2 credit cards in my name on the same account as well as the card being used in 2 different locations. My card was fraudulently used on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX {$39.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$100.00}, XX/XX/XXXX XXXX {$190.00} XXXX XXXX and XX/XX/XXXX {$320.00}. XX/XX/XXXX XXXX XXXX {$320.00} XXXX XXXX  I used my card on XX/XX/XXXX at XXXX, XXXX and XXXX in a different city and I sent them all addresses of my legitimate transactions and the fraud transactions as well as mapquest showing the miles and time and that i cant be in 2 different places at once. My chip stopped working in XXXX  and I requested a replacement card. I never destroyed the chip card that sometimes worked. I had two cards in my name on same account and one was lost. They actually told me to file a police report, call the merchants and requested the front and back of mine and my husbands drivers licenses. The total fraud is like {$600.00}. I have been a Citicard member since XX/XX/XXXX and spend $ 2-3k a month on Citibank and pay in full every month. Im not sending in my drivers license. Can they legally request this information? Im concerned about identity fraud and I feel they dont need this information.
Consumer complaint received 2018-07-10
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. (SC)

letters were sent on XX/XX/2018 to the company that they were reporting an incorrect account, incorrect account number, a missing field of 81- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. I get computer generated responses
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

This USAA FSB account XXXX was Paid-in-Full in XX/XX/2014. I filed for Bankruptcy on XX/XX/2014. How can this account be listed as " Derogatory '' and " Payment Plan '' and " Chapter XXXX '' when it was clearly paid and closed a month prior to the filing of my Bankruptcy? Please delete the erroneous information as this account is " PAID '' and " OK '' and " CLOSED BY CONSUMER ''.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi, This account was settled between us and the landlord outside of court, and was never supposed to be entered into the court system at all. We went in front of a majestrate and came to a mutual agreement and settled. And since then had paid a long time ago. Its been a long time now, and I got a email saying that I have an update to my credit report and when I went in it said that I have a public record on my credit report. 
I wrote them a letter requesting that they send me some information back validating all this information and never received anything back. That was months ago. 
Also I 've called the court a few times, and they said that they do not know why it was ever entered into the system and they would fix it, and again that never happened. And now its appearing on my credit report. 
The court has said multiple times to us that there is no reason for it to have been entered and it must have been a mistake for some reason. But it makes no sense why out of the blue its being put on my credit report. 
I can not afford to have this on my credit report, I have been trying so hard to build up my credit for years now, just to have it knocked down by something that I am not even responsible for. 
Please can you help me? I do not know what else to do? 
I also tried to contact my prior landlord at least 10 times now, and nothing. No return call. 
Ive left messages at his business, and on his cell phone that I had the number from years back. I do not know if thats the same number, but at the business they said many times he would call back. And he never does. 
I can not wait any longer on this. This is not fair at all to me, I did everything that I needed to do to fix that and have no idea why this is happening. 
Please again I just beg that you will be able to assist me with this. This is the last place that I can turn to. No one else responds, or does what they state that they will do, and take this off of my credit report. 

Also it is only showing up on Transunion so far, but they always just come back with that it is my account and is valid. Anytime I have ever needed help for anything to do with my credit report Transunion is never helpful. Its like they do not even look into anything and just automatically say it belongs to me. So I know that it will go to them, but I ask that it can be overlooked by you guys since they really do not seem to do anything when I ask for any help with anything. Besides kind of blow me off. 
Thank you so much for taking the time to read and respond to this message. 
I really appreciate it very much! 
Sincerely, XXXX
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

This is in reference to an alleged debt Ive been harassed and abused by Midland Credit Management for. I was notified by your company of the alleged debt again recently on XX/XX/2022. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Midland Credit Management and its agents harassed me for an alleged debt that was not even validated. Your Company shared statements as well as a copy of a Consumer Contract as evidence of the debt but as per the judgment in the case of XXXX Concrete F.C.U.V XXXX a copy of the Consumer Contract is not sufficient evidence of debt. Due to your continuous act of deceit, coercion, and intimidation, I am forced to take further litigation and seek compensation for damages through a competent common law court. All communications and omissions will be made part of and incorporated into any litigation arising from this matter. If any negative mark continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character, Aggravated Identity Theft and Conspiracy. The alleged " " creditor '' reported this on my Consumer Report as " charged off. '' It means that the creditor will no longer attempt to collect this alleged debt owed by them. I would like to know for what price did you purchase this debt? I hereby grant Midland Credit Management the opportunity to amicably resolve the matter by way of doing the following ; 1. Deletion from all consumer reports 2. Clear away any alleged balance owed THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT. You shall be granted thirty ( 30 days to respond. If there is no response to this complaint within the prescribed time period, all legal rights shall be explored, including, but not limited to legal proceedings necessary in accordance with XXXX and XXXX laws. Thank you for your attention to this matter
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NC)

I moved out a rental property, XXXXXXXX XXXX, on XX/XX/2022 and paid off balance, retaining receipts and proof of payments. 
Unbeknownst to me, the landlord started false credit reporting, collected non-existing past due debts from my renter 's insurance and still filed with debt collectors called " XXXX XXXX by Hunter Warfiled '' on XX/XX/2022. 
Since I was contacted by Hunter Warfileld on XX/XX/2022, I have made several attempts by phone to contact the landlord and debt collector and they both threatened to pursue action and to damage my credit if I don't pay up a debt I do not owe. 
My attorney mailed proof of payment and receipts on XX/XX/2022, asking for the false information to be removed. I have tracking and proof that Hunter Warfield received and signed for the letter and proof of dispute. Yet, after 30 days they still refuse to remove the negative report from my account.
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (AL)

I received notification on my credit report that I had an account in collections from XXXX XXXX 2 weeks ago. Until this point I had no idea there was any owed balances to XXXX. When I called I found out the debt is supposedly from 2013 for {$460.00}. I was unaware of this balance and have not received any notification about this matter. I never received anything from the collection agency XXXX XXXX   notifying me they were trying to collect a debt, it just showed up on my credit. The only way I found out what agency reported the debt was by contacting XXXX XXXX. This debt is supposedly from 2013 but is just now showing up on my credit report after 5 years. With no notification from the debt collector I wasnt even aware there was a collection or had the chance to rectify if there was.
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

We have an escrow account setup with mortgage lender ( Wells Fargo Home Mortgage ). The escrow account is setup to pay property tax and homeowners insurance. We, the homeowners, received a delinquent property tax bill for XX/XX/XXXX taxes, the invoice date is XX/XX/XXXX in amount of {$1400.00}. Apparently the lender did not declare our property as the lienholder ( this was revealed to us by the Board of Equalization 's XXXX XXXX XXXX and therefore did NOT receive our XX/XX/XXXX property tax bill. We were told to fax the tax invoice to our lender for them to process payment. Then, a month later XX/XX/XXXX, the lender notified us that they paid the tax bill and paid an additional {$280.00} for penalties/interest or loss of discount. We were then contacted on XX/XX/XXXX by the Board of Equalization that the lender OVERPAID the {$280.00} and is required to request a refund to put the money back in our escrow account. Meanwhile, the lender sent us an Escrow Review Statement showing we have an escrow shortfall and to either pay shortfall of {$1800.00} or receive higher mortgage payment amount ( from {$1700.00} to {$1900.00} ). We contacted the lender on three separate occasions to protest their overpayment of {$280.00} and to request not only that they refund us, but to also re-review our escrow shortfall. We can not afford for our mortgage to increase over $ 170/mo and we also expressed our concern that they were not shown as the lienholder on our parcel number with the XXXX County tax department which would prevent them from receiving future tax bills and paying taxes via escrow account. Is n't it illegal to collect escrow money and not be the lienholder on property. Wells Fargo has not only caused us distress with paying our taxes but has OVERPAID with interest of {$280.00} even though the BOARD OF EQUALIZATION CLEARLY STATED THERE IS NO INTEREST ON THE INVOICE AND TO ONLY PAY THE PAST DUE AMOUNT OF {$1400.00}. ATTACHED ARE THE DOCUMENTS..
Consumer complaint received 2020-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Purchased items on XXXX on XX/XX/XXXX from scam seller XXXX who and goes by 2 different names, XXXX XXXX and XXXX XXXX of XXXX, MI ( possibly 1 other state as well ). Items were mini beauty samples ( about XXXX in total ). They were all advertised as BRAND NEW. Sale was agreed to by both parties on XXXX ( have fully documented sale post and 1-1 conversation with seller ) and transacted through Paypal goods and services. Seller sent package but many items were missing, and many items were used/empty. Contacted seller for many weeks to give her a fair chance to respond, but she never responded - she ghosted me. In the meantime, another XXXX XXXX/XXXX user contacted me telling me she saw the purchase I made and asked if I received my items. I told her I did, but many were missing and empty. She told me she also agreed to purchase items from the seller and sent the seller {$100.00} through paypal, but never received anything. We stayed in touch as we both tried to contact the seller multiple times over the next couple of weeks, but the seller had disappeared. We both opened cases with paypal. Hers was fixed immediately as the seller  never sent anything and had no tracking number for that buyer. My case was taking longer since the seller did ship items though they were not at all as described or promised. XXXX strung me along for over 2 months with their " investigation ''. I replied at every turn sending them the info and documentation they requested. On XX/XX/XXXX, I missed a communication from them that required I file a police report and send it to them for my case to continue. I don't even know if the police would have taken me seriously. Because I did not provide a police report, paypal automatically found in the seller 's favor. Because their investigation took over 2 months ( was originally filed on XX/XX/XXXX ) my bank says they are unable to dispute it because they can not dispute anything prior to XX/XX/XXXX and this transaction took place on XX/XX/XXXX. Because of the egregious amount of time paypal took to complete their " investigation '' I am now out of luck with a scammy seller. Paypal has  refused to appeal or reopen the case, I was on the phone with them for over 2 hours this morning.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I received a copy of my credit report and found the following item ( s ) to be in error and unauthorized. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2018-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IL)

I received a debit card from Wells Fargo in the mail on XX/XX/XXXX. The card had originally been mailed to a Kentucky address. The envelope was returned to Wells by the post office as there was no one by my name at the Kentucky address. Wells then re-mailed it to me at my correct address in Illinois.  Of course it should have been a " red flag '' to Wells when the card was returned to them from the original address.When I received the card, I immediately called Wells to understand why I was receiving this debit card. I have never had an account with Wells or done any business with Wells. My call was directed to the Identity Theft unit. They told me that someone had opened a bank account online in my name using my social security number and birthdate. When I asked how that could happen with out some form of picture ID or signature verification, Wells said that was not needed to open an account online. As a XXXX of a XXXX XXXX XXXX, I know that we require a picture ID and identity verification on all transactions. How can Wells open up and account without a verification process? This should be prohibited by the CFPB and the appropriate banking regulators.
Consumer complaint received 2017-08-25
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. (MO)

I made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements and tax liens must contain minimum identifying information. they could not tell me how they verified the information.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (NJ)

First Progress card has applied fees to the account ( annual fee ) without sending a statement of the due balance, then reported the payment as late. Their online system is unable to accept payment at this time and continues to show this. 

This is the ONLY late payment on any revolving account and it is due to their lack of sending timely statements. I became aware of this due to credit monitoring service. 

They did this same thing last year, however this year their phone number is not working, and they are uncontactable. 

This is damaging my credit and causing me harm with their unfair practices by not notifying me of the balance in a timely fashion and having a payment portal that doesnt accept payments.
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WY)

I borrowed {$30000.00} from my mother ( who borrowed from her investments ) to pay off my student loan and a consolidation loan. I accidentally sent the money to my daughter 's student loan on XX/XX/XXXX, which cleared on XX/XX/XXXX ( all XX/XX/2018 dates ). I called Wells Fargo claims department@XXXX and the claims dept. called my daughter 's student loan agency explaining what happened. The student loan agency told us that it could take anywhere from 30-45 days for the money to be returned. To be clear, the amount we are discussing is {$19000.00}. On XX/XX/XXXX, I decided to call the student loan company just to see where they were on processing this refund and they stated my daughter 's student loan is showing a balance due, so this was refunded. I called Wells Fargo claims dept. same day and was told that they have had the money since XX/XX/XXXX and she could not tell me why the money had not been deposited into my account. I called again on XX/XX/XXXX and spoke with XXXX ( Supervisor ) and he stated that he could not see why they had not returned the funds to me, but would have the money back into my account the same day. It is XX/XX/XXXX and I still do not have a credit of {$19000.00}. I am currently contracted to pay my mom {$500.00} every 2 weeks, which I have been doing, and my student loan is still outstanding and earning interest while Wells Fargo holds onto my money.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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