davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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: LEXISNEXIS (IL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (GA)

I mailed a cease and desist letter to MRS BPO on XX/XX/2022 not to contact electronically or phone to myself, any family members, neighbors or friends. For about two weeks the calls stopped. For the last four days they have called daily.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I placed an order with the merchant ( XXXX XXXX XXXX ) on XX/XX/XXXX for a shipment promised in 2-3 business days with an order value of {$6100.00}. I didn't receive the shipment for weeks and contacted their customer service around XX/XX/XXXX. Over the next 10 days with multiple email exchanges ( available for evidence ) and phone calls, the merchant couldn't locate the shipment and/or give an ETA on delivery. I requested cancellation and refund and the merchant agreed ( email available ). I also raised a chargeback request with the bank ( XXXX XXXX ) as I was not feeling comfortable with the merchant business practices and communication. Bank did provide an initial credit to the full amount. The same merchant later ( on XX/XX/XXXX ) charged my credit card {$4600.00} ( 75 % of order value ) as restocking fees for a shipment that was never delivered. Contacting Citibank and providing evidence has not resolved the matter and the bank has not been responding and resolving. Furthermore, Citibank has not provided any email/letter/online document about the charge itself. Only on phone, they are willing to confirm that it is restocking fees charged by the merchant. 

In this context, I would like to bring to your notice the following : 1. I have not been able to get a corresponding written document with explanation of this charge of {$4600.00} by Citi. All the other earlier documentation of dispute initiation exists online in my account. The charge has been applied without a corresponding documentation and/or communication to me. I have called Citi credit card support number to discuss the situation and they couldnt locate a document/communication in this context. They did mention that the charge is restocking fees from the merchant. I have not received a corresponding communication through email or postal mail either.

2. The original charge back request pertains to merchant not delivering the products. Over a period of 20 days through email and phone communication with merchant, I have tried to locate the shipment/tracking number for the deliverables which were promised to be shipped in 2-3 business days. Evidence of my email communication with the merchant is available. Merchant couldnt locate the shipment and/or tracking number and agreed to refund. Now, charging us 75 % restocking fees for a product which was never delivered is ridiculous.

3. I further checked the merchant website ( XXXX XXXX XXXX ) and noticed that they have 25 % restocking fees ( attachment no. 3 ). So, the calculations of 75 % of the initial order value doesnt add up. I am further lost in absence of a proper communication from Citi bank on the charge reason and the calculations.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

I went to XXXX on I think XX/XX/2022 to send my friends mother something for her birthday, I was in store on XXXX XXXX I paid for overnight services in cash. XXXX weeks later I get a letter from a credit agency for a debt owed through a XXXX XXXX corporate account, which I do not have, through further investigation they paid a large portion of the debt and left me with collection fees. I called on XX/XX/XXXX both XXXX XXXX  and the credit company, and XXXX XXXX  waived collection fees because of a some sort of billing error. Both companies I recorded calls from today.what I would like to know is why my credit report was in a jam for a debt I had nothing to do with???
Consumer complaint received 2023-03-27
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. (TX)

This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX  XXXX Balance : {$2400.00}
Consumer complaint received 2020-06-20
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$990.00}, {$8900.00}, {$3000.00}, {$0.00}, {$28000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 


-- PERSONAL ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (AZ)

XXXX XXXX XX/XX/19 Hi XXXX, Please refer to the message titled " Please Verify Your Account '' We no longer will be able to assist you in these additional threads. 

Thanks, Simple Support =================================== This is the latest response they sent to me. It appears that since the account isn't verified, the account that they refuse to verify despite a copy of my driver 's license and social security card, they intend to just hold my money as long as they feel like it. 

A screenshot of the response I received after the above message is attached. Showing, apparently, no intention of communicating with me or returning my money. 



On XX/XX/19 I opened an online account with simple.com. I deposited $ XXXX with two $ XXXX deposits. On XX/XX/19 the first of those deposits was processed. Shortly thereafter I received an email saying my account had been frozen and required verification. Despite being told it takes one day to complete the verification, it has now been over three days and I still do not have access to my money. If you've followed along, you will have realized they had over a week to verify the account and only decided to do so after they received the money I sent to fund the account. Once they received those funds I was almost immediately contacted and told my account was frozen for verification. The account had been open for NINE DAYS at that point. They refused to accept the information I sent for verification, including very personal information such as my driver 's license and social security card. Despite receiving sufficient information to verify my identity, they demanded still more information including mortgage info and more which is not even applicable to my situation. After being told everything should be resolved in one day, I spent much of the second day dealing with their incompetent and condescending employees. I was informed that they would not give me access to my money, or allow me to close the account in question. We're talking about XXXX XXXX DOLLARS HERE. After business hours I received an email from a XXXX XXXX  saying they would not accept my calls to address the situation. The next morning I realized my phone number was blocked so that when I called I would be disconnected immediately. As of this time, I can't reach them by phone and they ignore my emails. Of course, they are still holding my XXXX XXXX DOLLARS and denying access to my funds while providing no banking services whatsoever. I WOULD CALL THIS A THEFT OF MY XXXX XXXX DOLLARS. I WANT MY MONEY!!!!! WHAT KIND OF COMPANY IS THIS?????
Consumer complaint received 2020-06-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MS)

On XX/XX/XXXX I sent Midland Credit a letter asking for information on this debt along with a signature showing this debt to be mine. I explained that this debt I contacted XXXX XXXX XXXX in XXXX and filled an insurance claim for the loss of my job. I asked them why they have it when XXXX XXXX was supposed to have been getting the minimum payment dues. 

They could not explain that and then told me to contact XXXX  XXXX which I have tried to do to ask why my insurance has not been paying the minimum bill and keep getting sent back to midland. 

So while talking to a manager at midland she pretty much asked me why I was a piece of XXXX and didn't pay the bill and why I didn't feel bad not paying my debts then told me it didn't matter why I lost a job I should work anywhere to pay it. I tried explaining I had a loss of income and couldn't pay it she then told me that they would be reporting this showing negative and it would ruin my credit to get rental housing or credit with any company until I did. 

I have requested documents showing the insurance was not paying the balances, I have requested in writing from XXXX XXXX a reason for my insurance not making minimum payments and keep being told to deal with midland credit that they can answer it. 

Midland says I owe XXXX but 1 phone conversation with XXXX XXXX told me that midland purchased this debt for {$100.00} and should not be asking for {$910.00}. I then requested all documents of purchase and who sold the debt including who at XXXX XXXX they contact with this debt and only receive the bills which I believe are wrong.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

Someone opened an account and the fraud in my company had money transferred to an account in my companies name however we do not own and are not associated with this account at the moment it looks like they were able to scam close to {$40000.00} from us and our customers. 
I have the bank name, account numbers, routing numbers
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (OK)

Ive been attempting to get Ally Financial to stop reporting account as disputed. with no luck. Im working on getting a home loan and this verbiage on my credit reporting is affecting my loan approval. I begin making my request to Ally in XXXX of 2021, Ally as well as all the credit reporting bureaus would remove the dispute, but comes the following month and Ally reports as disputed again. Ive had the loan XXXX on the line with me and Ally representative XXXX and that hasnt work. At this point I dont know what else to do, to get them to stop reporting the account as under dispute.
Consumer complaint received 2022-04-08
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXAccount # 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 a account without my written instructions
Consumer complaint received 2021-10-14
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: ALLY FINANCIAL INC. (FL)

Good day madam/sir, ALLY FINANCIAL the lender of my vehicle : - original balance of the loan keeps changing - different " original balance '' {$5000.00} lower was reported to the credit bureaus - interest keeps increasing with years with extra payments being made - requested the complete balance sheet, received only list of the payments i made with NO original balance or ending balance and no interest balance - during the first 3 months of Covid-19, since it was allowed by state, I called the company and due to hardship i asked for 3 months delay of payments, they approved it, but still reported 30/60/90 days of non-payment to all credit bureaus ( that's the only months I didn't pay as agreed with the lender ) - Ally application provides completely wrong data. It shows I paid $ XXXX, when I paid exactly {$14000.00}. 
- Original balance of the loan was $ XXXX, now they told me it's $ XXXX, How is all of that possible? 
- Ally claim I owe them $ XXXX more, since I paid $ XXXX out of {$21.00}, but I paid $ XXXX.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

I Sent a letter to HUNTER WARFIELD, INC about account # XXXX asking for : 1. Validation of the debt that is, the actual accounting. 

2. Verification of a signed invoice. 

3. A copy of the contract binding both parties ( you and them ), in a letter by " Certified Mail '' so that there is an independent witness to it having been delivered. 

How ever, according to 15 USC 1629e, 15 USC 1629d, and 15 USC 1692B Not use any language or symbol on any envelope or in the contents of communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of debt.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

So ill start from the beginning. On tuesday this week, i reported fraudulent activity on my bank account. I take full responsibility because i clicked on an ad on XXXX XXXX advertising a XXXX case, but it turned out to be a scam and they stole my card info to make multiple charges. After calling citibank to dispute the charge, they cancelled my old card and sent me a new one. The next day, my new card arrives and i go to activate it. But, there is one problem. My PIN wasnt working. I NEVER changed my pin so it seems that citi changed my pin without my authority. After only a couple failed attempts, my account became locked. It has been 2 DAYS and my account is apparently under review for absolutely no reason. Customer service? XXXX XXXX XXXXXXXX. This might actually be the worst company on the planet. After 3 HOURS on the phone, NO ONE HELPED US. They would either hang up or say they dont know what to do. We asked if THEY can activate the card, but after they said they did, it didnt work. Really? What kind of company treats their customers like this. When i reported fraud on my account, citi NEVER locked it. But after 5 failed attempts at activating my card because citibank changed my pin, my account becomes locked for 2 DAYS. I dont know what to do anymore because clearly, no one can help me. Even XXXX is better than this company!
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (AZ)

this is my complaint id number XXXX i don't know what else to do. they lie transfer over and over to new people and never get no were i said all this and sent all stuff to you last time XX/XX/2021 have had a hard time paid off a lot of bills qualified for a FHA loan need higher XXXX to get help with down payment all of the credit bureaus states a different think now. Can you please remove this collection asap. I would have never paid them a dime if they had told me my collection would have changed nothing, and agreed to delete or say pay as agreed i had smaller collections i could have paid and have paid since then. 

there is no area to put the correct reason why i am writing this time around. i need removed ASAP to get help with a down payment the charge off on each area XXXX deleted XXXX says paid less than full amount no lates XXXX says unknown history with late payments paid less than full balance
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WI)

This complaint concerns one of 2 hotel reservations, both of which I made on XX/XX/XXXX for the XXXX XXXX in XXXX, XXXX through XXXX One reservation was for the nights of XX/XX/XXXX & XXXX, XXXX ( {$52.00} ), whereas the other one was for the night of XX/XX/XXXX ( {$26.00} ). Due to new and revised COVID-19 restrictions ( completely out of my control ) from the XXXX XXXX which affected my trip and were implemented after I reserved the hotel rooms, I had to cancel my trip. As a result, I had to cancel the hotel reservations. When contacting XXXX, the company only allowed me to cancel the reservations through the chat box on their web site. Although I cancelled all of the reservations made through XXXX, I did not receive a cancellation confirmation for the nights of XX/XX/XXXX & XXXX, XXXX. Furthermore, XXXX customer service said that they would make an attempt to reach the above-mentioned hotel the following day, as they could not reach the hotel at the time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that they still couldnt reach the hotel and as such would stand by their decision not to refund me my money. Again, the COVID-regulations were changed by the XXXX XXXX after I made my reservations, thereby adversely affecting my trip plans. It was completely out of my control. 

Despite assurances from customer service agents from Synchrony Bank on 2 separate occasions ( XX/XX/XXXX and XX/XX/XXXX ) when calling to dispute the charge, I was told that I would not be held liable for the {$52.00} while the amount was disputed. In each instance, the amount was not removed from my balance. I did not receive the services for which I paid for, thus I want that money back. Moreover, the customer service from XXXX and Synchrony Bank regarding this matter was totally unacceptable.