davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I initiated the transaction on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX which is intended to send to HSBC XXXX XXXX, but it was accidentally sent out with the wrong swift code " XXXX ''. The problem was quickly identified, and the transaction was halted. The money is currently holding at XXXX XXXX HSBC USA for more than 30 days. I have provided an amendment to reroute the money back to HSBC XXXX, and it was also confirmed by HSBC USA, that the wrong transaction has been canceled The fund bank XXXX XXXX XXXX  XXXX XXXX has also sent several follow-ups and chasers to HSBC USA, but there haven't been any moves.
Consumer complaint received 2024-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. ()

On XX/XX/XXXX, Citibank closed my checking account, with a ending balance of XXXX. 
They claimed they will closed my account in 60 days and then send a check of my balance back. 
XXXX  months already, I called many times, went to branch, tried so hard to get my money back, but still have not received anything. They always said : we are still investigating, but it already passed their claimed XXXX invesigation time.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southern Management Systems Inc. (TN)

On XX/XX/XXXX, I made contact with Southern Management Systems, out of XXXX, Florida so that I could finally start making payment arrangements with the company to start paying off this debt. This debt was put onto my credit 6 months, after being forced to break my lease with my prior apartment complex due to Job Loss and being unemployed for quite some time. I spoke to XXXX at extension XXXX and explained my situation, and updated him on the changes and advised that we were now in a position to start making payments in small increments every other week or every week, working around other bills. He then asked me if I was able to make the half of the balance payment in order to negotiate for a smaller balance. I told him that right now, that was not possible and that we needed to take things slow. He understood. He then advised me that I could go ahead and just start mailing in payments as I saw fit every week. I told him that I would not mail in money orders, because money orders tend to get stolen and it takes weeks to get it back. I then told him that I needed to make my payments online, and he said that was fine. Since XX/XX/XXXX, I have made 8 other calls to try and make payments on their sms-collects.com website, which goes through a 3rd party, with no success. It keeps telling me to verify my account number and pin number and try again. Since XX/XX/XXXX, I have been in constant contact with XXXX at XXXX XXXX and he's told me that they don't know why I am getting that error and said they checked with their clerical department who also could not tell me why I was getting that error. The last call I made to XXXX was on XX/XX/XXXX, and I left a voicemail stating my frustration and that I really needed some help on this. I told them I want to pay them. I have not received a call back since and today is XX/XX/XXXX. So, Since I have made a total of 9 calls and can't get an answer back on this, I would like to file a complaint, because it seems like they do not want to help someone who is willing to pay on their debt and if they can not even return phone calls or fix their website, then I am not willing to possibly sacrifice XXXX XXXX dollars in money orders, in the mail for it to possibly get stolen. This company has been in business since XXXX!!! It is unbelievable to me that they can not accept payments over the phone or give their debtors a reliable website to make their payments on, when everything is done for the most part, electronically now. So either they fix their website, or take a payment from me over the phone, Or, I am not paying this debt AND they need to remove it completely across all 3 of my credit reports, IMMEDIATELY!
Consumer complaint received 2020-05-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

On Friday XX/XX/XXXX, NewRez LLC was notified in writing via the online account contact feature on its website that I had previously made numerous attempts between XXXX and XXXX of XXXX to contact my previous loan servicer, XXXX XXXX, regarding the cancellation of my escrow account. On XX/XX/XXXX, NewRez replied to my request, and directed me to submit a formal request in writing which contained my signature. On XX/XX/XXXX, I submitted a signed, written statement to comply with their request. As of XXXX XXXX, I have not received any communication from them regarding the matter. 

As of XX/XX/XXXX, I became a XXXX and XXXX XXXX veteran. In the Commonwealth  of Pennsylvania, under Title 51, Chapter 89 Section 8902, any XXXX veteran who has been determined to be XXXX  % XXXX  and XXXX  XXXX due to military service during war or armed conflict, is considered exempt from all property taxes. I informed NewRez LLC previously that I had completed all the necessary paperwork and filing requests with the Commonwealth of Pennsylvania, XXXX County Board of Assessments, and XXXX XXXX XXXX, and provided a copy of the property tax exemption certificate. I then requested cancellation of my escrow account, along with a refund of all funds that had accrued within the escrow account. 

On XX/XX/XXXX, NewRez LLC proceeded to disperse {$1100.00} from my escrow account to the XXXX XXXX XXXX, despite my previous directives and requests. Because of my property tax exemption under the laws of the Commonwealth of Pennsylvania, the XXXX XXXX XXXX was not entitled to that payment. 

After several formal written requests, NewRez LLC has taken no action pertaining to to my previous requests regarding the cancellation and full refund of my escrow account. NewRez LLC has failed to both reply and comply with my requests, and have violated my rights under Tile 12 U.S. Code 2605 Subsection ( e ) and have caused irreversible damage to me.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (CA)

I have a secured credit card with the same credit union I have my personal checking and savings account. I paid the {$800.00} deposit when I opened the card and unbeknownst to me, the funds were being held in a non-visible area of my savings account. My checking account was compromised back in XXXX XXXX  and the credit union opened new accounts for me. I was notified today that the {$800.00} security deposit was " mistakenly '' released into my savings account. Back in XXXX when I noticed the {$800.00} in my account, I contacted customer service XXXX times to confirm it was mine. Each time, I was told those were my funds. I just assumed I had an over-sight error on my end.
Consumer complaint received 2021-08-18
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. (SC)

I have contacted Transunion by phone as well as by physical mail concerning several inquiries on my credit report that do not belong to me. I did not receive any response to my letter and the representatives I spoke with at Transunion were unhelpful as well. 

The inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — Store credit 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 (CA)

On XX/XX/2022 I used my Care Credit account to pay {$500.00} XXXX XXXX XXXX of a {$700.00} medical bill.I called the provider ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX because I saw on my online bill that I still owed {$700.00}. I was told that they never received a Care Credit payment on my behalf and that I need to call Synchrony Bank ( XXXX believe they make the payment to the providers ). I called Synchrony and was then informed that payment are none of my concern and that the provider need to called them to handle it. I relayed this info to the provider and they called Synchrony and was told that there was not payment on my account although I saw that there was ( and still is ) a {$500.00} payment. So the provider told me to wait. Fast foward to today ( XX/XX/XXXX ) I called the provider again and was told that they still haven't received a payment and that I should call Synchrony again to see what was wrong. I called them and was told yet again that payment issue are none of my concern and that I could not dispute the payment because it isn't an error on their end. They ( Synchrony ) wanted me to have my provider call them
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block this fraudulent information within four business days of receipt of this complaint.

The following accounts, which I did not open or authorize, are fraudulent and should be removed from my report : A credit card account opened at XXXX on XX/XX/year>, under account number XXXX with a balance of {$150.00}. 

These accounts have resulted in several fraudulent collections and charge-offs appearing on my consumer FICO credit report, which highlights the fraudulent items in question. 

Please be advised that I do not recognize or acknowledge these accounts, collections, or charge-offs as they were not initiated by me. All of these items are the direct result of identity theft and fraud. 

In addition, I have enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Complaint ( XXXX XXXXXXXX ) as verification that these consumer credit accounts, collections, and inquiries are the result of identity theft and should be blocked from my report as per the requirements of the FCRA. 

Thank you for your prompt attention to this matter. I look forward to the swift correction of my credit file. 

XXXX XXXX
Consumer complaint received 2022-06-30
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. (NY)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite 5 previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date OpenedXXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened:XXXX Balance : {$160000.00}. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

AT & T Universal Credit Card, formally Citibank, continues to erroneously list an inaccurate " High Balance '' on my credit reports in spite of the fact that I've provided clear documentation to the credit bureaus clearly contradicting what they're reporting. 

They are listing a " High Balance '' of {$14000.00} in the past seven years in spite of the documented fact that my credit limit ranged from {$500.00} to {$2300.00} from XXXX to date. I've never had anywhere near a high balance of {$14000.00} with them over the past seven years and my credit limits clearly document that it would be impossible to have a high balance that is over {$12000.00} higher than my credit limit. 

Universal has refused to correct this inaccurate information in spite my filing numerous disputes with all three of the major credit bureaus. 

I am attaching a letter to the credit bureaus in addition to digital copies of four different statements that chronologically confirm my credit line over the past seven years, clearly making the high balance of {$14000.00} that they continue to report an impossibility. As I refuse to use this card until the situation is resolved I am carrying a XXXX balance on it, thus I have not received a statement from them since XX/XX/XXXX, which is included here for reference showing the credit limit of {$2300.00}.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCOUNT : XXXX XXXX XXXXXXXX ACCOUNT REPORTING EXPERIAN AND XXXX I disputed a collection with XXXX AND EXPERIAN several times because it has FCRA violations reporting. The violations that this bureaus are making is to report this account differently on each credit bureau. If the account is the same reporting why day of las activity, date opened are different? also another violation of the FCRA is that the account is a collection account and it's still reporting as OPEN in XXXX ACCOUNT : XXXX XXXX XXXX : XXXX EXPERIAN XXXX I have disputed this account several times with the bureau and as well with the creditor. There is a lot of violations within this account. First the account number of the account reports different on XXXX and Experian. last day of activity, amount owed, account status, creditor remark are all different reporting. XXXX states that " this account meets the FCRA requirements '' when there is clearly discrepancies on what they report. This account is a collection account and XXXX reports the account as " OPEN ''. 
I also asked for a validation letter on this account from XXXX XXXX the amount they state that is owed is {$2300.00} ( please see attached ) and the amounts reporting on the bureaus are XXXX {$2200.00} and EXPERIAN {$2300.00} ACCOUNT : XXXX XXXX XXXX  XXXX XXXX On the remarks from this account states " Account information disputed by consumer, meets FCRA requirements '' when clearly this account violates the FCRA . A collection shouldn't report as a " Open '' also I have try several times requesting a validation on this account and I have never received an answer. If they can validated this account the account needs to be removed Also find attached certifications from the letters sent to the bureaus
Consumer complaint received 2020-07-06
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. (LA)

Contacted Experian, XXXX, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A which states thatI have the right to privacy. It also states in 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2020-07-06
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. (LA)

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: BERKSHIRE HILLS BANCORP, INC (CT)

I received correspondence from Berkshire Bank regarding their sharing of my personal information. It states that to limit their sharing I can call XXXX and their menu would prompt me through my choices. When I call that number the menu does not include a prompt that would enable me to make choices regarding sharing my information.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (SD)

I received an email from Paypal that explained my account was suspended because I violated their terms of service. When logging into my account it confirmed the same and literally says they will not provide the exact reason why. I have very few transactions with my Paypal account and they are all legitimate and small dollar payments to friends or associates or legitimate companies. My transactions in the last 6 month included entries to XXXX tournaments, a XXXX XXXX, a metal sign that was a XXXX gift and a concealed carry holster ( no XXXX purchase - just a holster ). I have only received payments from XXXX opinion service that pays a few cents for answering surveys. 

I suspect the purchase of the holster was the reason but it's not an illegal item in any state that I'm aware of. 

The paypal reference id is XXXX Please advise
Consumer complaint received 2020-07-06
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$23000.00}, {$8900.00}, {$160.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


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


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Ive been a new home owner for 3 months and it still doesnt reflect on my Credit Report. Transition is always the lowest score across the board..why when same information reflects on the other 2 reports by XXXX and XXXX?