davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I open a checking account with XXXX  XXXX XXXX in XXXX XXXX, XXXX VA on XX/XX/2018 with deposits of around more than {$25000.00} with cashier checks, cash and USPS money orders. They gave me like a receipt that reads that USPS money orders will appear on my account the next day ( XX/XX/18 ) and the cashier checks on XX/XX/XXXX. Next day i check the account and i saw the cash and money orders deposits. I went to the bank to withdraw money on XX/XX/XXXX, and i didnt have the money order deposits available anymore. They told me they put a hold to everything till XX/XX/XXXX ( 11 day hold ) and they didnt gave any new receipt nor gave me a logic explanation for it.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX four times over two weeks about this account. XXXX XXXX XXXX informed me that they notified XXXX, Equifax, and XXXX on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.
Consumer complaint received 2018-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I discovered I have fraudulent credit inquiries for companies I never gave permission to pull my credit reports. On all 3 of my credit reports it shows on XX/XX/XXXX that XXXX XXXX pulled my credit without my permission, XXXX XXXX XXXX   XXXX pull my credit without my permission on XX/XX/XXXX, and some company called " XXXX XXXX XXXX '' on XX/XX/XXXX. I demanded and requested these items be removed from my Transunion, XXXX, and XXXX credit reports and none have been updated after being told they would in a short time frame.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citibank/Citicards. 

Fraudulent charge to my card on XX/XX/2018 for single transaction of {$24000.00} in another state. No fraud notices or warning from Citibank. 

I discovered and reported the fraud to Citibank on XX/XX/2018. Citibank reported the fraudulent charge to the credit bureau 's, which  made my credit-to-debt ratio appear to be 31 %, which lowered my credit score 112 to 123 points depending on the credit agency, which had undermined my ability to get competitive rates for home loans. I have since cured the credit error with the credit bureau 's ( at least XXXX and XXXX  ). 

Citibank fraud investigation contacted me and confirmed the fraudulent charge would be removed from my account. Citibank also issued me a notice acknowledging they asked the credit agencies to delete the account from my report due to the fraud. 

The Citibank account is set to auto-pay the full balance from my personal checking account on its dues date. Citibank never reversed the fraudulent charge as promised, and the full {$24000.00} was debited from bank account on XX/XX/2018. 

I spoke with Citibank customer service that same day on XX/XX/2018. I spoke with XXXX and her supervisor XXXX. It took 54 minutes, but XXXX finally said she processed the refund, that she would do everything in her power to get it credited back to my account that same day, but it may take 3 to 5 days, and that she would follow-up with me that afternoon to confirm the status of the refund. I was never contacted by anyone from Citibank and none of the {$24000.00} has been returned to me. 

I called Citibank customer service again on XX/XX/2018 and spoke with XXXX. XXXX informed me that the refund had been rejected, and that she had to re-initiate the refund ( which she would not have done except for me contacting Citibank again ). Even then, she said that they would not refund the full amount due to a few hundred dollars in additional charges since then, the balance for which was not due and payable yet. I requested the full {$24000.00} be refunded to me, but she said she was not authorized to do so and would process the lesser amount ( approximately {$24000.00} ). She also stated that it had to be approved by management and would take 3 to 5 days. I asked to speak with management to get it approved today and she refused to transfer me.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent. This letter is to inform your company I am disputing this debts and have filed an identity theft report. Please be informed that reporting inaccurate information to the credit bureaus is a defamation of character. I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies.
Consumer complaint received 2018-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

This Home Equity Loan was originated XX/XX/XXXX with XXXX XXXX XXXX which was acquired by Wells Fargo in XX/XX/XXXX. It is a twenty year loan with a fixed rate of 6.79 %. The monthly payments are contracted to be in the amount of {$770.00} per month. There is no prepayment penalty. After the transition to Wells Fargo, I noticed that the monthly payment statements reflected a lower ( and always changing ) Total Amount Due. I also noticed that the addition amount that I was paying, was not being applied toward the principal. On the statement, the addition amount paid is listed as " unapplied ''. Also, the amount due on the monthly statement, does not reflect what the bank representatives have on their computer data base, making the payment process extremely difficult, as well as financially detrimental to the borrower. For example, one month the amount due on the ( mailed ) Payment Statement, was a lesser amount than what was on Wells Fargo 's computer data base. The bank representative informed me that if I had paid the total amount due on the Payment Statement, the account would be deemed delinquent. I have contacted Branch Managers as well as Wells Fargo Headquarters requesting a audit of my account, as well as a payment history, to ensure that all additional payments have been applied to the principal. I received " screen shots '', none in order by date. After multiple requests for an audit, they refuse. It appears that the additional amounts paid have been " rolled over '' each month and not applied to the principal. I took the " screen shots '' to a XXXX  XXXX XXXX, who reported to me that there were many discrepancies, and advised that I should file a complaint.
Consumer complaint received 2018-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2018, I disputed a ch XXXX bankruptcy that appeared on my credit file wanting the information in the report to be accurately validated and be verified by XXXX XXXX. 

XXXX XXXX had 30 days to do so upon request in the dispute or remove the public record because they could not verify the accuracy of the information. 

As of XX/XX/2018, I have not heard any response from XXXX XXXX. I have contacted them on 3 occasions : 1st contact I was told that it was received and being processed. 2nd contact : I was told it was processed on the XX/XX/2018 and letter sent. I received a dispute alert from the credit bureaus indicating that I had initiated disputes with them. I found out that XXXX XXXX had initiated these disputes with the credit bureaus without my permission because I wasnt disputing anything with the credit bureaus. My dispute was for the inaccurate information the XXXX XXXX had in their file. 

Still I had not received a response from XXXX XXXX regarding my dispute with them. On my 3rd contact inquiring about my dispute, I was told that there was never a dispute letter received. By that time, I had received a letter from XXXX XXXX stating that the credit bureaus must have lost my disputed. I inquired about this letter while on the phone with the 3rd contact Representative. 

He, ( XXXX ), which was a false name because I spoke to him before and he used another name, stated that he did not even see in my file any letters regarding a dispute and he had no idea of what letter they sent met, and that XXXX XXXX should not have initiated any dispute with the credit bureaus which also wasnt indicated in any notes in my file. He was just as confused as I was about the whole situation and apologized because he couldnt help me because of nothing being dictated in my file. 

I contacted the credit bureaus requesting information about this situation and was told that they information that they received came from XXXX XXXX and they are the furnisher of the public record 3rd party vendor of the public record and not the court. 

I am requested that this information be removed from my report for final resolution due to the activities of XXXX XXXX for their deceipt about receipt of my dispute with THEIR company and initiating disputes with the credit bureaus without my knowledge and/or written permission.
Consumer complaint received 2018-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

On XX/XX/2018, I disputed a ch XXXX bankruptcy that appeared on my credit file wanting the information in the report to be accurately validated and be verified by XXXX XXXX. 

XXXX XXXX had 30 days to do so upon request in the dispute or remove the public record because they could not verify the accuracy of the information. 

As of XX/XX/2018, I have not heard any response from XXXX XXXX. I have contacted them on 3 occasions : 1st contact I was told that it was received and being processed. 2nd contact : I was told it was processed on the XX/XX/2018 and letter sent. I received a dispute alert from the credit bureaus indicating that I had initiated disputes with them. I found out that XXXX XXXX had initiated these disputes with the credit bureaus without my permission because I wasnt disputing anything with the credit bureaus. My dispute was for the inaccurate information the XXXX XXXX had in their file. 

Still I had not received a response from XXXX XXXX regarding my dispute with them. On my 3rd contact inquiring about my dispute, I was told that there was never a dispute letter received. By that time, I had received a letter from XXXX XXXX stating that the credit bureaus must have lost my disputed. I inquired about this letter while on the phone with the 3rd contact Representative. 

He, ( XXXX ), which was a false name because I spoke to him before and he used another name, stated that he did not even see in my file any letters regarding a dispute and he had no idea of what letter they sent met, and that XXXX XXXX should not have initiated any dispute with the credit bureaus which also wasnt indicated in any notes in my file. He was just as confused as I was about the whole situation and apologized because he couldnt help me because of nothing being dictated in my file. 

I contacted the credit bureaus requesting information about this situation and was told that they information that they received came from XXXX XXXX and they are the furnisher of the public record 3rd party vendor of the public record and not the court. 

I am requested that this information be removed from my report for final resolution due to the activities of XXXX XXXX for their deceipt about receipt of my dispute with THEIR company and initiating disputes with the credit bureaus without my knowledge and/or written permission.
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

IN REGARDS TO CONN CREDIT CORP XXXX. XXXX  XXXX XXXX TX XXXX I HAVE DISPUTED THIS WITH THE XXXX AND WHICH THEY CONTINUE TO SAY IT IS VERFIED AS ACCURATE WHEN I HAVE PROVIDED PROPER DOCUMENTATION TO BOTH PARTIES THAT I AM A VICTIM OF IDENTITY THEFT AND I HAVE NEVER HAD A CONNS ACCOUNT ARE APPLIED FOR ANYTHING WITH THEM. IF WITH ALL THE DOCUMENTATION THEY ASKED ME TO PROVIDE THEM THE BUREAUS HAVE NOT FOLLOWED THE FAIR CREDIT REPORTING ACT AND REMOVED THE FRAUDULENT ACCOUNT FROM MY CREDIT FILE AFTER IT HAS BEEN PROVEN THAT IT WAS INDEED NOT ME WHO OPENED THE ACCOUNT OR OBTAINED THE GOODS.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One is blocking me from viewing my balance and transactions in third party apps and programs. I have a right to view this information in a manner that I deem helpful, such as within an app like XXXX or XXXX that helps me track budgets and transactions.
Consumer complaint received 2018-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Caliber Home Loans, Inc. (FL)

I endorsed an insurance claim settlement check and sent it to my mortgage holder. I completed 50 % of the repairs and this was confirmed by the mortgage holders home inspector on XX/XX/18. According to the mortgage holders ' procedures, they will then release at least {$40000.00}. I submitted all documentation requested on more than one occasion. The bank insists that I send them a signed contract with my general contractor. I have informed the bank that I have not yet hired a contractor for the kitchen repair. I have signed a contract with a window replacement company and have submitted a copy of that contract to the bank. I have and I am doing most of the work myself and only going to use a general contractor for the largest part of the job which is the kitchen construction work. I am using the " savings '' of self repair to re-build with upgraded materials which improves the value to the property. I need my first insurance proceeds draw NOW!
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

i wanted to make a transfer to another bank from my checking account. I was able to process the transaction on the online banking site. but did not receive confirmation of the transaction via email or text. I called the bank and I was told by multiple people to redo the wire. I re did the wire. I call the bank back. I was told that I needed to redo the wire because the limit for external wire transfers is {$1000.00}. I redid the transaction. I called the bank again and I was told that the info provided was incorrect wire limits are $ XXXX. I was also told that it can take up to 5 business days for the transaction to be executed, I asked to speak to the escalation department or a manager, she told me that the wire can take up to 3 business days. I called my bank they told me that the transaction should be immediately. multiple called to multiple people and nobody can provide accurate information. 
I was also told that the transaction was a wire, then an ACH then a wire transfer, again no accurate feedback or consistency on information. 
furthermore, after numerous calls I was advise to block the checking account to prevent from any withdraw funds from the account as I was instructed to execute the wire/ach 4 times. 
At this time I do not have access to my checking account and fear unblocking the account since im not sure the bank has a handle on how to manage this sort of transaction
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

XXXX  report to the other two credit company saying there a police report saying my address is fraud which i never had done. 

i upload documents of my passport, my rental ledger which shows my address and how much rent owe and my credit card statement which shows my address.
Consumer complaint received 2018-07-12
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. (SC)

On XX/XX/2018 I sent a letter with a copy of my social security card, utility bill, and photo id to update my personal information to only include my current information and to delete the other information reported by the credit agency on my credit file. No updates have been made as of XX/XX/2018.
Consumer complaint received 2018-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I am not sure if this rises to the status of a " complaint '' or not, but after I purchased my current home with a conventional mortgage from my local credit union ( XXXX XXXX XXXX XXXX in XXXX, XXXX ) in XX/XX/2012, my loan was then sold three times in the first year until it reached XXXX XXXX in XXXX XXXX . It has been there ever since. But when I tried to make payments every two weeks in order to reduce my total interest payments and shorten the duration of the mortgage ( a common financial strategy ), Regions would not credit any additional payments after the first one was made. Instead, Regions just " holds '' the money paid in any second payment that month in what it calls a " suspense account '' that only credits the money to my account when my next monthly payment is due. In essence, they prevent their customers from making more than one payment per month unless the second payment is at least as large as the total monthly payment. When I phoned their customer service department, I was told that this is their policy for all mortgages and there is nothing I can do about it. 

I realize this might be legal for them to do, EXCEPT that the terms of my original loan with XXXX did not contain any such limitation. My understanding is that loans can be sold as long as the original terms of the mortgage are still upheld ( interest rate, monthly payment amount, etc. ). So if my original mortgage holder allowed more than one payment per month and immediately credited my payments, shouldn't the same be true of any subsequent mortgage company that my loan is sold to? Thank you.
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Solutions, Inc. (CT)

The complaint started with the physician 's office and XXXX XXXX XXXX XXXX. The physician sent my blood samples directly to the hospital lab even after i asked they hold the samples till the end of day so I could check which of the two lab options my insurance company offered was the less expensive option as I was still trying to fulfill my deductible for the year. The doctor 's office is affiliate with this hospital and therefore my bloodwork was automatically sent to the hospital - the more expensive lab option. My responsibility was {$310.00}. The competitor lab was the second option the doctors office could have sent the samples to since the practice also had an account with them and they were also in network with my insurance company. The competitor lab charges would have been {$120.00} for the same batch of bloodwork. I tried to negotiate with the hospital to " match '' the competitor fees and they refused. They were willing to go down only {$100.00} so my balance would have still been {$210.00}. This was a " spot quote '' by the hospital and i was expected to give them a card number on the spot if I wanted the discount. Since I was driving when they called, I could not oblige. They sent me to collections - RSI. RSI first contact with me was by phone was XX/XX/2018. I called back in XXXX and asked for a Debt Validation Letter since I never received one in the first place. The woman I was speaking with on the phone did not know what a Debt Validation Letter was but said I would receive one in the next 7-10 days. What I received almost one month later was an envelope with insufficient postage ( the post office actually stamped the missing postage and circled it - see attached ), my actual medical tests with my medical results AND another patients medical tests and reports ( a pathology report ) attached to mine. This individual is in no way someone I know or am related to. Both reports had medical diagnosis, and other sensitive information such as DOB, SS #, addresses, insurance company names, and so forth. I wanted a Debt Validation Letter. Instead I received my medical tests and an unrelated parties medical tests - from a collection agency mailed to me in an envelope with insufficient postage. I wonder how the elderly man who's pathology report I received would feel if he know I was privy to his most sensitive personal information and condition due to RSI 's  incompetence. 

I mailed a Dispute Letter ( see attached ) and received back yet another " we did everything we were supposed to do and pay up '' demand. See attached.