davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX  Account number XXXX XXXXXXXX  Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX U S DEPT OF EDXXXX Account number XXXX U S DEPT OF EDXXXX Account number XXXX U S DEPT OF ED/XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX DEPARTMENT OF EDU Account number XXXX Account name XXXX XXXX XXXX Account number XXXX US DEPT OF EDXXXX Account number XXXX XXXX XXXX  Account number XXXX has violated my rights XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the Person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (FL)

truist bank date : XX/XX/2022 amount : {$8000.00} & {$140.00} the company will decide if they will dispute the amount. i was scammed, i was asked to pay the IRS with the amount above in order for me to extract money from the trading platform where i was scammed. when I finally showed the scammer the receipt proving that i pay the IRS then I was told that the tax should not be sent to the IRS instead, to XXXX  to the same address I wired transfer total amount ot {$23000.00}. I realized i was being scammed. all I am asking is that Truist will dispute the amount as it is part of the scam yet they are giving me a hard time. My other bank already disputed the amount but Truist is giving me a very hard time and will pass me through all different departments every time I call.
Consumer complaint received 2021-07-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

EQUIFAX Continues reporting information more than 30 days after investigation of debt verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2021-04-23
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CMRE Financial Services, Inc. (AZ)

My wife received a diagnostic imaging test at XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX billed our insurance accordingly, and was paid in XX/XX/XXXX. The hospital appears to have contracted the radiology with XXXX XXXX XXXX, XXXX, who sent us a separate bill in XX/XX/XXXX, which is not consistent with the contracted insurance coverage that was accepted by XXXX  XXXX XXXX XXXX never billed our insurance and no explanation of benefits was ever created, so we assumed that the bill sent to us was in error. We never received another bill or any other contact from XXXX XXXX, so we assumed that they had resolved the issue with SVMC. In XX/XX/XXXX, my wife received a notice from CMRE Financial Services ( a debt collection company according to XXXX ) that was sent to her employer/HR Dept. When we contacted XXXX XXXX 's billing company XXXX XXXX, they admitted to billing the account incorrectly and claimed that it was never sent to collections when asked specifically three times ( ie : they lied ).
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My wife and I had begun the approval process for a mortgage with Wells Fargo. During the process, Wells Fargo wanted to ensure we would be long-term customers of the bank, and requested for us to open accounts there comprising most/all of our liquid assets, which we did promptly. 

We unfortunately did not close on the home and decided to work with another lender. 

My assets have been frozen at Wells Fargo for over two weeks as the bank has asked for ID verification ( a notarized US Permanent Resident card for me, since I am XXXX ). I have sent multiple copies with no response and my assets are still frozen - I am unable to transfer money, unable to sell/buy stocks, etc. It is distressing as I await a home closing for which I need access to the funds. 

I should also note, this verification was not needed at the outset. Wells Fargo was happy to accept my $ XXXX in assets. I sent in reams of documents for my accounts, including the mortgage. 

This is improper - to have all of my assets frozen for weeks without service. It is at best, incompetent, at worst, retaliatory, but in reality, likely a proper reflection of a rudderless banking organization that has done everything in its power to tarnish its reputation over the past decade.
Consumer complaint received 2020-09-18
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (MN)

My leased Hyundai vehicle was involved in a accident in XX/XX/XXXX. It was declared total loss by the insurance. Insurance made the payment. I paid my deductible portion. In XXXX, I received a letter of bill from Hyundai Motor Finance. The letter states that I owe {$690.00}. I, immediately called Hyundai and notified that I and insurance paid the amount due. I assumed the issue has been resolved. There was absolutely no communication from Hyundai after that. 

However, I got a negative credit item reported to my credit record in XX/XX/XXXX without any prior communication that I owe anything or they are taking any action. 

Then I got the bill from Hyundai for {$690.00} in XX/XX/XXXX. I mailed them immediately that I do not owe anything. No response from Hyundai to my letter. 

They now send the matter to collection agency and now I got a letter from collection company dated XX/XX/XXXX asking for money. 

Prior to this matter, I had a perfect credit report with no negative information on my file. I was never late for any payment for Hyundai Motor Finance or any financial institution. They ruined my credit file and score for something that I don't owe. 

They are also harassing me through collection agency with amount I do not owe.
Consumer complaint received 2020-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/20 Citizens Bank mailed my usual payment to XXXX XXXX, to the address provided that is on the bill. However the check on XX/XX/20 was cashed by another unknown party and not XXXX  XXXX.check value {$100.00} The same thing happened on XXXX/XXXX/20, someone other then XXXX XXXX  cashed the checked.Checked was cashed by another party then the above but again not XXXX  XXXX. Check valued {$200.00} Citizens has filed paperwork with those banks that cashed the checks and still have not heard back to get my {$300.00}. back that I owe for my electric  bill. They stated the other banks had 7-10 days to respond back and they have still not responded back to Citizens and I am still out {$300.00}. for my electric   bill. Then I was told it would take 6-8 weeks and Citizens has exceeded that. I'm not sure how Citizens can not do anything with check fraud to recoup the lose other then waiting to hear back from the other banks. 

I have checked a minimum of 2x a month if not more to follow up with Citizens on update and as of XXXX/XXXX/20 Citizens still have not heard back from other bank. Citizens states they can't do anything until they hear back from those banks to get refund so in the mean time I have had {$300.00}. not paid on my Electric bill and has held up my money since XXXX. 

This complaint with Citizens was filed on XXXX/XXXX/20. Fraud complaint # XXXX.
Consumer complaint received 2020-09-18
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. (AR)

Credit Fraud Report : I received a call on Thursday, XX/XX/XXXX, from XXXX Credit department indicating that someone with an Illinois address had fraudulently taken a vehicle loan in my name, with my social security number and my cell number. They asked me to contact the XXXX Credit Victim Department ( at XXXX ), which I did, and they told me that they will start an investigation. 

I also went to the Experian website and saw that someone had fraudulently opened an auto loan account with XXXX Motor Credit on  XX/XX/XXXX with an original loan amount of {$98000.00}. Apparently, that criminal made 1-2 payments and the last payment was over 30 days late, and that is when I was called. That is the first time I ever knew about it. 

I immediately filed a police report and informed all 3 credit bureaus of the fraudulent loan in my name. All 3 credit bureaus froze my credit at my request. 

XXXX and XXXX also REMOVED THE FRAUDULENT ITEM from my credit report after receiving the police report. 

EQUIFAX REFUSES to do the RIGHT THING. EQUIFAX CONTINUES TO FALSELY CLAIM that the FRAUDULENT ITEM on my CREDIT REPORT is ACCURATE. EQUIFAX thus has become a PART OF THE FRAUD AGAINST A CONSUMER. There is little I can do except complain or file an expensive and time consuming lawsuit against EQUIFAX to get my RIGHT. 

Please hold EQUIFAX, and its CEO and BOARD MEMBERS PERSONALLY LIABLE, FOR THIS EGREGIOUS FRAUD. 

Thank you..
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (GA)

I signed up for A Bluebird Card through Amex Bank. Once I activated and recieved the card, I set up direct deposit and started funding my account. After I tried to make a purchase on XX/XX/2020 My payment was declined and I was told to contact customer service. I called customer service and was told that my account was permanently suspended. Now I am trying to recieve the rest of my balance and am recieving no assistance from Amex.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (IN)

I use Direct Express as a debit card program to receive my Social Security benefits. 

When I received my XXXX statement in early XXXX, I saw that there were numerous fraudulent charges, totalling around {$8600.00}! I immediately tried to contact Direct Express. It took 3 phone calls and a total about about 7 hours on hold to speak to XXXX, a Direct Express representative. 

She filed the claim for me, yet my account then showed additional fraudulent charges for XXXX, totalling another {$570.00}. 

At no time did DE contact me regarding these highly suspect charges made in XXXX, XXXX! Two of the charges were over {$2000.00} each! No text, email or phone call asking if these charges were mine. 

DE told me that they'd be sending a form to fill out regarding my claim. To date - 2 weeks later - I have received nothing. Right now, someone has {$9200.00} of my money.
Consumer complaint received 2020-09-18
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SinglePoint GI (LA)

General Revenue Corporation has been contacting me relentlessly since XXXX of 2020. I have told them to stop contacting me 8 times, but I still receive harassing calls asking for my employers information and asking for my social security number. The last call that I had with XXXX from General Revenue Corporation, he told me the last 4 digits of my social security number and my full name before he confirmed my identity on the phone. I told him that I had a serious problem with him just blurting out my name and social before confirming the identity of the person on the phone. This company is also not the original debt collector for this debt that I do not owe. The previous debt collector did not close my account like they should have, instead they passed the debt around to another company. I've been disputing this debt for over 5 years now and I feel that General Revenue Corporation has overstepped their rights by harassing me with calls and by harassing me with my personal information.
Consumer complaint received 2021-07-07
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. (TN)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-09-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE (OH)

My first mortgage payment was due on XX/XX/XXXX. On XX/XX/XXXX I made a partial payment ( principal and escrow amount ) to my account. This is problem 1, as I then received something from XXXX XXXX stating Stockton Mortgage had placed something on my account and my credit score dropped. They made reference to me making a partial payment ( which I am entitled to do, and their system allowed it ). On XXXX I logged on to my account to make the remaining payment. On line I was denied as the system said I must make the full monthly payment. I then called the provided and I was told they would make adjustments and to call back on XX/XX/XXXX or XX/XX/XXXX to make the remaining payment, as they had to fix my initial payment in the system. Well on XX/XX/XXXX I logged in and the system states " your account is not eligible for the one time payment option ''. However, one time payment is an option on the website. I, or any consumer for that matter should have the option to make a payment on mortgage at any time. There are multiple studies and thousands of articles that prove making a biweekly mortgage payment reduces the amount of interest and the length of the term of the loan. So why is that I, or any other consumer of theirs, must make a 1 time payment for the full amount? That is not consumer friendly by any stretch of the means. I filed a complaint with the Ohio Attorney Generals office and since that time I have been blocked from making one time payments on my mortgage. So now i have to call and pay {$11.00} each time i want to make a payment? I'm being penalized for questioning my rights as a consumer. I was told over the phone by XXXX on XX/XX/XXXX that I am only allowed to make the full payment. Any partial payment will be applied to escrow or principal, but will not count towards my monthly payment. How is that legal? On the Stockton Mortgage payment website they give several examples of making payment and biweekly payments is one of them. yet I was told I do not qualify for biweekly payments. What is the criteria? I qualify for a loan but can't make biweekly payments? Now I can't even make one time payments to my account on the principal amount. Something about this is not right. I should have the right to make payments to my account at any time. I'm not asking for hardship. I'm not asking for Covid relief payments. I am simply asking for my right to make payments on my account that will fall within the necessary billing cycle to keep my account current. I am asking for my right to make those payments that will allow me due process to have the option to pay my interest down early and the term of my mortgage off early. The company has taken all my rights. When I complain then Stockton Mortgage retaliates by punishing me and requiring me to call and make over the phone payments for a fee of {$11.00} and then they make my credit report that I made partial payment, ( although the payment was made early before the due date )
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc (TX)

I received a letter addressed as follows : XXXX XXXX [ my mortgage lender ] [ My name ] [ My address ] The fact that the address included the name of my mortgage lender -- along with the admonition to " open immediately '' -- made me think the letter was an important document from my lender. When I opened the letter, it was a refinance offer/advertisement, and it wasn't from my lender at all. It was from a company called Millennial Home Lending. But if I had not read the letter carefully ( or the fine print disclosures on the back ), I would have thought it was an offer from my own lender. This is a deceptive practice. Even if it's not harmful to a borrower ( which I think any such deception is harmful ), it is an unfair business practice.
Consumer complaint received 2021-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections (ID)

I received two bills from XXXX billing and collection. Date on letter was XX/XX/XXXX. I received the notice XX/XX/XXXX. Responded to both notices I received. Document for medical imaging was paid through a financial assistance program through the hospital XXXX. in Idaho falls. For XXXX XXXX XXXX. I was under payment arrangement with hospital. Hospital failed to contact me sent bill to collections. Asked collection agency to validate both debts. Never received any confirmation. I went into company approximately XX/XX/XXXX I asked them to send me a letter validating the debt. I was told they don't send letters out and if I wanted written communication I would have to leave a self addressed stamped envelope. Said they would communicate via email. Gave them my email. They have not communicated with me at all. I don't see how this is fare practice. I would also like to fine a complaint about mountain view hospital. I pay my bills. I tried contacting them to continue our payment arrangement. I left messages. They failed to contact me and sent my bill to XXXX billing and shipping. Who are rude and don't even validate
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

My Complaint is with The credit bureau and XXXX XXXX. Before XXXX repossessed my car. After they repossess my SUV they told me that they would take it of my credit report. Instead theyre reporting it every month as a close account causing me to lose anyway between XXXX points to XXXX points.. I call Equifax. Equifax did nothing to solve the problem. I have a daughter in college and I cant do nothing for her because XXXX XXXX is reporting on my credit report causing my scores to drop tremendously on all three credit accounts. Please help me with this injustice. Please help me so I can live my live again. Please Please.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (KY)

I recently opened an XXXX XXXX account and when moving about {$990.00} over to another bank account it locked and then after an hour over the phone with them I got it unlocked. When I asked the lady if I could transfer the money over again she said I could and then a day later it locked again. I don't have access to my account now and the money hasn't been transferred to my main bank account so I have no idea where my money is as the balance now shows {$0.00} and Im tired of spending a second more on the phone with them. Every time I talk to support through text all they do is tell me to call. I don't know if you all can help me with this but Id really appreciate it.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (OR)

I have an account in good standing with Gemini Trust Company , LLC of New York. My home state is Oregon where it is XXXX Gemini Exchange, LLC. I have had the account for around a year. I have used the account in the past to successfully withdraw money. On XX/XX/2022 I attempted to withdraw some funds from my account and was refused due to a 'security hold '. I filed an inquiry with the support center and was told to submit a picture of me, holding my driver 's license ( the document I used to XXXX  originally ) including the date and a code supplied to me. I did as required and have not heard back from the company since despite numerous attempts to both withdraw funds and to contact customer support and get NO RESPONSE. The open support request tickets I have with the company are : XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Applied for loan application at Wells Fargo on XX/XX/2020. Application requires credit card to pay for future fees of credit reports and appraisal. New home construction to be completed late XX/XX/2020. 

Appraisal completed XX/XX/2020 and we were assessed {$550.00} fee. Home was incomplete, no drywall, flooring, appliances, electrical, etc. and application expired on XX/XX/2020. We were going to have to reapply after XX/XX/XXXX, so I could not understand why the appraisal had been performed. 

I emailed Wells Fargo on XX/XX/2020 to inform them of the issue I had with the timing/value of the appraisal. I subsequently demanded a refund and have attempted a couple of times for reply but have been ignored. 

I then terminated the application around mid XXXX.