davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-01
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: U.S. BANCORP (PA)

Back In XX/XX/XXXX I purchased various products from XXXX XXXX of XXXX, these were Licensed XXXX XXXX products with a 1 year warranty. {$610.00} Transaction ID : XXXX. One of the items was defective ; {$300.00} ; i tried in vein to either get replaced or upgrade or money returned by merchant and Manufacturer ( XXXX XXXX one in the same ) within the warranty period! I also filed a dispute claim within the warranty period with XXXX XXXX XXXX. Ironic is n't it! XX/XX/XXXX At first they said they could not find transaction ; XX/XX/XXXX convenient for them ; then they filed a second new claim for an improper amount on {$350.00} on XX/XX/XXXX. Then they had a fraudulent investigation for an incorrect reason for dispute with a answer from merchant dated XX/XX/XXXX Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX that they were reversing the provisional credit of {$350.00} and that I continue to work with Merchant to resolve matter. I have been dealing with Card Member Service who  on letter dated XX/XX/XXXX that they would report this to consumer reporting agencies unless I paid the amount listed above. ( Illegal under the Fair Credit Billing Act )? I have since had a conversation with the office of the president who said under XXXX rules my original complaint should have never been taken and that the two complaint are n't the same and blaming XXXX Rules ; while they offer me increased credit line and points plus giving away free XXXX 's every month but they XXXX XXXX XXXX US Bank ca n't make XXXX XXXX make good on my defective merchandise! My contention and legal question is even if they should have never took the original complaint or the fraudulent second complaint they devised they did and this alone nullifies any so called Rules or Regulations. We will be going to Court! I will not be paying this charge or any accrued interest attached to this charge!
Consumer complaint received 2023-07-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my consumer rights. Under 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( a ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on an account under an open and consumer credit plan late for any purpose.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2017-10-01
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. (NY)

I was a victim of Identity Theft. Several Accounts were opened fraudulently in my name. I submitted a Police Report and Identity Report to have this information blocked from my report to Equifax, XXXX and XXXX. Unfortunately, the credit bureaus have refused to remove all the credit inquiries that were tied to this identity theft. They only tell me to contact the original creditor who I have no relationship with. Please assist me in having the credit bureaus remove all the credit inquiries that are still affecting my credit due to the Identity Theft I have endured.
Consumer complaint received 2023-07-08
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. (TX)

I am a natural person I am a living human being I have rights under 15 USC 1681. 
Equifax is governed by 15 USC 1681. 
They have violated my rights Numerous times. I demand the account below be removed from my credit report because. 
According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnished this account. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hospital Services, Inc. (ND)

I did a check of credit report and found error from Hospital Services Inc ( HSI ) with a negative remark on credit in which I have not ever contracted with Hospital Services Inc on XX/XX/XXXX without this consumers knowledge of debt to HSI. On XX/XX/XXXX, I wrote HSI to dispute the issue. In the letter I asked for their North Dakota state license number as a registered collection agency, I asked for debt validation through a full audit of all transactions into and out of the agency via XXXX XXXX XXXX XXXX D.B.A.XXXX XXXX in XXXX, ND in which original debt was held and written off not a statement of account, I asked for a signed contract that I had with the agency with my wet signature on said contract, I asked for purchase date of debt to the debt collection agency, and I challenged the statute of limitations. 

I received written communication from HSI on XX/XX/XXXX stating that an itemized statement which contained personal medical procedure information to include lab tests and care received that was given to the collection agency by XXXX XXXX XXXX XXXX D.B.A. XXXX XXXX in violation of the Person Health Information Privacy code of HIIPA through the OCR Civil Rights to privacy in medical information. I did not ever sign any document to giving XXXX XXXX XXXX XXXX   D.B.A.XXXX XXXX  permission to divulge any medical information to any third party agencies. 

HSI specifically states on their website and letterhead that they are " A Debt Collection Agency ''. To collect debt in North Dakota, an agency must be licensed. There is no record with the Secretary of State of North Dakota that HSI is a licensed agency. HSI did not provide in their communication their North Dakota State collection agency license number. Hospital Services, Inc stated in the bottom of the letter that this communication is from a debt collector and stated that this debt had not been purchased. The itemized statement from XXXX XXXX XXXX XXXX  D.B.A XXXX XXXX shows that the amount was written off. HSI falsified information in the written communication. HSI states on their website that they communicate with the " debtor '' that they will post negative remarks on the debtors credit report as a means to get payment for purchased debt from hospitals.
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (GA)

On XX/XX/2023 an apartment complex in Arkansas- the XXXX XXXX XXXX XXXX XXXX -called me to tell me I had rented an apartment. I had not. I told them that they had the wrong person, that I live in Georgia and never been to Arkansas, and therefore had not rented an apartment. They said they would need some information from me to address this situation. Figuring this is a phishing call, I told them I would not be giving out any information. I stressed that they had the wrong person and to stop calling me at the law firm where I work. Today, XX/XX/2023, I received a collection notice from XXXX XXXX XXXX XXXX stating that I owe {$80.00} to XXXX XXXX , an apartment complex in Arkansas. This is a fraudulent claim. I called the number on the notice and when I yet again refused to provide personal information, the woman on the phone started yelling at me. I believe both of these entities are fraudulent and they try to prey upon ordinary people.
Consumer complaint received 2023-07-08
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. (CA)

I leased a XXXX XXXX for my daughter and within a few months the tires were worn down at an excessive and alarming rate. I determined the vehicle had been in an accident and I was not notified when I leased the vehicle, they said they were not obligated to inform me. After I brought it to the attention of the dealership they indicated they would " work with me '' when I turned in the vehicle as I had already purchased new, very expensive, run flat tires and paid to repair the cause of the issue. Upon return of the vehicle about one year later, the dealership agreed to no charge the tires that needed to be replaced. I eventually received a notice that I owed {$800.00} for tires. When I called the dealership they acknowledged the error and agree to rectify the issue which of course they did not. A short time later when I applied for and was denied credit, the only negative mark I had was an {$800.00} judgement from XXXX XXXX and two late payments. First, I never had a single late payment and the {$800.00} was a fraudulent charge. When I again called the dealership immediately following this incident I was shocked to realize the dealership was CLOSED leaving me zero ability to effectively fix the lies XXXX had reported. What had once been a XXXX XXXX dealership was now a XXXX dealership and they effectively laughed at me and told me " good luck ''.
Consumer complaint received 2018-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

On XX/XX/2018, a charge of {$330.00} was drafted from my account from the XXXX XXXX XXXX XXXX for a student loan. 

I contacted my student loan servicer, Nelnet, and they stated that as of XX/XX/2018, all of my student loans on record are in deferment due to my in-school status. They stated that they show no record of any payment being taken from my account on their end. They said they would keep an eye out for the transaction to appear on their records. 

I contacted my bank and disputed the charge.
Consumer complaint received 2016-05-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (PA)

US Bank Home Mortgage is trying to take away my home at all costs. By their refusal to work with me, they have cause me to be in a worse position than I was originally after I suffered a job loss. They denied me a Loan Modification and all other programs that could help me get back on track and because of their attitude I decided to do a little research. As it turns out, they are illegally trying to foreclose on my house.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called the company ( Capital One ) on XX/XX/23 in effort to reconcile my past due account. The representative I spoke to offered a fee-depression plan ( that will stop the account from incurring anymore fees. I welcomed the idea and asked to be enrolled in that after explaining that Ive been going thru a hardship after I lost my job, and I also asked to speak the supervisor to work out the monthly payment amount. The representative was eager to transfer me and When I finally got to speak to the supervisor, she told me that I cant have the offer anymore because I declined it. The representative that I spoke to or her supervisor must have declined the offer that was given to me on the account against my will so I can pay more than I should. It is just another way of collecting more money from people.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$21000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$31000.00}
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (UNITED STATES MINOR OUTLYING ISLANDS)

In XXXX I was sent a credit card statement saying that I owed {$99.00} for a credit card with CitiBank that I never applied for. 

I have never received the card and do not want it. I will not pay {$99.00} for a card I do not want and will not use. This seems like a scam to me. When I called the XXXX number I got a person in a foreign country with terrible English who wanted my social security number which I will never give over the phone. 

I wrote a letter on XX/XX/XXXX to the CitiBank address on the statement and I have never gotten a response. The company has no working email address on their website. 

I tried the chat feature on the website. This time I got a phone call from a person with a thick Russian accent. She also request my SSN, which I did not give to her. 

I continue to get threatening emails from CitiBank. I no longer get the robocalls because I blocked the number. 

I can not give anyone the credit card number because I never received the card and it is not on the statement. It gives the last four numbers as XXXX. Is there a way to resolve this without giving someone my social security number?
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

After several months of no decision on a loan modification and being told that if I accept a trial it will halt c  Income bas ed consideration,  Citumortgage sta rted the foreclosure process on my home. After several conversations, I was asked if the home was vacant. The answer was yes. It seemed that the movement stopped on my modification because it went to underwriting twice. During this time I went to court several time and at the mediation, there was no compromise on their part. I was offered a trial that was {$800.00} MORE that my current payment. I made  6 pay ments because I did n't want to loose my home. When I received the paperwork, I questioned why my payment was so high and was told it was for taxes and I needed to discuss it with   XXXX   tax. They put me in touch with  XXXX  and they said it was the vacant property tax. When asked how they know the house was vacant, they said  Citu rep orted it to them. They also said that there were conditions for exemption. I was exempt o n 2 ca tegories. Litigation and renovation work. The tax was  XXXX  and should not have been paid  by Citi an d added to my mortgage payment. I submitted the necessary proof to  XXXX . I had a court date in the interim and told the court about the payment and that I was awaiting that reimbursement. In the meantim e Citu sold m y note to  XXXX  mortgage for  XXXX  without the adjustment being received for the  XXXX . The original mortgage at time of application for modification was  XXXX . The problem is that the bank reported my home to the city as vacant knowing that it was exempt from the year over year tax. I wonder how many people have lost their home because citi reported their home and they incurred the tax and did n't question it.     I want this practice looked into. I wan t Citi to modify  my mortgage to the very first offer and make adjustment inclusive of all payments, interest, fees, etc.
Consumer complaint received 2018-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CT)

I schedule regular payments through my bank just over the amount typically due. When my statements comes in I make adjustments if necessary, ( happens occasionally due to escrow fluctuations ). I did not receive a statement for my XX/XX/XXXX payment.. The XX/XX/XXXX payment processed through my bank for {$1300.00}. My XX/XX/XXXX statement claims that I missed a payment and my amount due is now {$2800.00}. My payment due went up to {$1300.00}. This would indicate that they received nothing from me for the XX/XX/XXXX payment. And they attached a {$41.00} late fee on a payment that was short @ {$75.00}. I don't believe that it's a coincidence that the only time I didn't receive a statement coincided with an increase in the amount due. Di Tech just went through Chapter XXXX. I don't believe this is an isolated event. 
Thanks for your attention,
Consumer complaint received 2023-07-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

Name : XXXX XXXX XXXX FHA Loan no : XXXX Last Friday XX/XX/2023, we are scheduled to close our loan at XXXX. On the day of closing, they said they can not do it because I have a previous FHA loan from another lender and I can not have 2 FHA loans at the same time. Its true i did have a previous loan from another lender but the purchase of that house did not push through and i was told by my previous lender that it was cancelled. However, it did not appear that it was cancelled. my issue is how come they did not see this on file to be resolved before the closing day? So we had to call our previous lender to have it cancelled and have FHA cancel it on their part as well. So now our closing got moved today, XX/XX/2023. My lender told me 100 % sure to close. STILL that is not the case. FHA has not cancelled our previous loan on their part which they have been working on since last friday. Up to right at this moment I am still waiting for them to send closing documents to my lender to be able to close today. Roughly it is taking them one whole working day to do this documents. Please understand we are living a hotel, paying it by the day. We just moved here from Indiana as a XXXX XXXX and we are losing money by the day paying hotels, eating out, missing work for the scheduled closings that keeps getting cancelled. If i have known how terrible this situation is going to end up i would have gotten a conventional loan instead. Somebody out there is not doing what they are supposed to do timely and efficiently.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Paypal Holdings, Inc (CO)

On XX/XX/XXXX, someone attempted to open a XXXX XXXX card using my name, address, phone number, email and SSN. I did not attempt to open this card and I was contacted by phone by the XXXX XXXX department so luckily the application was denied. On the same date, someone successfully opened a XXXX XXXX XXXX and a Venmo XXXX XXXX. I successfully canceled and reported the XXXX and XXXX card, but was not aware of the Venmo card until I received the card in the mail on XX/XX/XXXX. I have contacted all three credit bureaus but when attempting to obtain my credit report, I received a letter stating that they are not able to provide me a copy because I need to confirm my address. I sent the requested documentation on XX/XX/XXXX.
Consumer complaint received 2018-11-26
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: WELLS FARGO & COMPANY (NV)

XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-27
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. (GA)

I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC .
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: PNC Bank N.A. (OH)

The problem withdrawing money from an ATM is that I didnt perform the transactions! My PNC Smart Access debit card was stolen and fraudulently used to withdraw funds. I lost over $ 2k. I filed a fraud form with PNC a few weeks ago and I havent heard back from them. Im still waiting for my funds to be refunded. Im attaching the fraud form I sent PNC. The fraudulent transactions can be found on the form.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have sent out dispute requests on XXXX XX/XX/2023 and XX/XX/2023 to Equifax regarding account number XXXX. There are SO many discrepancies with this account, that it is XXXX that is can not be properly verified. I even requested a method of verification and Equifax has XXXX to provide me with that information. 
This account is being reported differently across ALL XXXX bureaus, and until XXXX of them can provide proof that they are reporting it correctly, THEY ARE ALL REPORTING INACCURATE INFORMATION. 
For instance, with this particular account, I am current on payment in XXXX but suddenly in XXXX I am 60 days late???? There are no more than 31 days in any given month, HOW IS THIS POSSIBLE?? This happens XXXX from XXXX to XXXX- I am supposedly 120 days late in XXXX but then 60 days late in XXXX? That is physically NOT possible.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2023, I received a fraud alert from Huntington Bank that someone had transferred a substantial amount to XXXX from my account. Within minutes I contacted Huntington that it was indeed fraud and this had just happened less than 1 month prior on XX/XX/XXXX. It has now been over 1 week and the money is still gone from my account. Why would the bank allow the transaction to go through if it was almost immediately reported by fraud? I have had a negative balance for over a week now and they are doing nothing to resolve it. I cant buy food for my XXXX XXXX XXXX son and I, cant pay my bills, or buy gas to get to work. They were able to mail me a new debit card but cant put back my funds which I have more than enough to cover the items I now cant pay for. My son has no food and my gas tank is almost empty, so Im doubtful Ill be able to get to work next week.