davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc. (OH)

I tried to activate my reimbursement card from XXXX XXXX XXXX. The card has a sticker that says activation is required. The phone number XXXX is out of service and the online activation link, XXXX goes to a defunct website.
Consumer complaint received 2020-04-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (NY)

I had a high interest predatory loan of XXXX % with CitiMortage for over 10 year and always ( 100 % of the time ) paid my payments on time with on line bill payments through my bank. During the end of my mortgage with CitiMortage, the payment amount went up with warning and I was not notified, but still paid the original payments amount each month. I called CitiMortage, they stated because of my excellent payment record and administrative error, CitiMortage would correct my credit report to reflect all my payments were made on time. However, CitiMortage is still reporting I was late from XXXX to XXXX of 2018s out of my entire 10 year loan cycle. 

After being being scammed in the high credit loan, now XXXX is prevent me from getting a lower interest rate becuase they are reporting inaccurate information to the credit bureaus. Please assist me with this. Trying hard to pay day to day expenses. This is making it very hard.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

My Suntrust  Truist checking account has been blocked since XX/XX/XXXX. I have no access to the funds in that account since that date. My pay direct deposit of XXXX from my employer XXXX was deposited on XX/XX/XXXX. My account was positive ( not overdrawn ) at the time of that payroll direct deposit. I can not withdraw or move funds, though my statement and online banking shows a balance of {$1700.00}. 

I have had no access to {$1700.00} of my money ( from my pay ) for over 17 months! 

On XX/XX/XXXX, I visited the Truist Branch ( old XXXX XXXX XXXX branch ) in XXXX XXXX, FL ( XXXX XXXX XXXX XXXX XXXX FL XXXX ). Branch XXXX XXXX XXXX ( Phone : ( XXXX ) XXXX ) said there was a fraud investigation on my account and they could do nothing. She stated the investigation could last over 30 days, and that they ( Truist ) would determine if they wanted to keep me as a client or not. 

I have called the Fraud number repeatedly ( XXXX ) but have been told each time to go to a branch for resolution. 

In XXXX of XXXX I called every day, only to be met with 4 hour wait times, to be told to go into a branch.

I have visited my local Truist branch six times in the past 17 months. Each time, the bank officer has made phone calls to corporate to get the hold removed, but on no occasion have they been successful. Each time, they have told me that they would call me back with their findings, but they never called me back. The address of that branch is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Phone # ( XXXX ) XXXX. 

I have received no letters at all from Suntrust or XXXX about an investigation, or time line of it. According to my statements, my checking account still has {$1700.00} in it, but I can not access it. 

I understand that the account is closed, however it is still showing a balance of available funds of {$1700.00}. I need a bank check from XXXX payable to me for the full amount of {$1700.00}. 

I am in extreme financial hardship and I need access to that money now. If I can not get access to that money, I will have a significant mental breakdown.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

On XX/XX/2022, XXXX XXXX furnished on my credit reports with Equifax, XXXX, and XXXX that my account with the number XXXX XXXXXXXX was charged off. According to the IRS, when a debt or an account is charged off the account needs to be reported as income by the lender and borrower. If this account is supposed to be recorded as income for tax purposes then by default it is inaccurate to be furnished on my credit reports as these reports do not furnish income. I sent letters to the credit reporting agencies Equifax, XXXX, and XXXX to have these inaccuracies corrected but have not gotten this resolved.
Consumer complaint received 2019-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

All of the companies involved with this debt have numerous complaints against them for dishonest and illegal practices. XXXX XXXX XXXX and XXXX XXXX of Oklahoma, both violate consumer rights non stop. I filed a complaint against XXXX yesterday and in less than 24 hours they dismissed my complaint and closed it out. Their response was full of inaccurate information. 
Again, they have refused to provide my consumer disclosure file, ANY proof of debt validation or any other information as they are required to do in accordance with federal law. They have also refused to show proof that they are legally able to pursue this debt in the state of Oklahoma, especially considering they have admitted that they are not the original debt collector. 
In their response, they are trying to play games and say that my speculation from where this debt came from is completely false. There again, they have NEVER provided any proof or actual bill from the original source. They are now claiming that this is from XXXX XXXX XXXX, which I have NEVER been a patient at and is located in XXXX, Ok, NOT XXXX, Ok. The information on my credit file, indicates this is from sometime in XX/XX/2013. XXXX XXXX XXXX was struck by a tornado in XX/XX/2013 and completely torn down by XX/XX/2013. This is a verifiable fact, just like the fact, that I have NEVER been a registered patient at XXXX XXXX XXXX. Another verifiable fact, when one does a simple search for XXXX XXXX of Oklahoma, there are literally thousands of consumer complaints, where they have done the exact same thing to many other people, NEVER billing them, and multiple examples where they attempted to commit insurance fraud and were caught.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (TX)

To whom it may concern : After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Consumer complaint received 2019-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Offices of Hayt, Hayt & Landau, LLC (PA)

I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by XXXX XXXX XXXX/XXXX  XXXX XXXX regarding a credit card account that was filed in XXXX  Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from XXXX/XXXX XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the XXXX Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & XXXX XXXX XXXX via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation. 

Latest updates are that I never received a letter from Hayt Hayt and Landau regarding in XXXX as referenced in XXXX letter of response ( attached ) to my initial request to create a payment arrangement which was submitted through CFPB - and if I had not been contacted by an outside legal entity that I would not be aware that a court case was entered against my name. As a result of this discovery I have repeatedly reached out to Hayt Hayt Landau and have left voicemail messages with XXXX XXXX and also physically spoken to a team member that promised they would have the attorney on the case call me back or email me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I still have not received a call/ voicemail message or an email in response to my request to create a payment arrangement. As I have not been given a file number yet due to no one reaching out to me - I am unable to establish a payment arrangement or initiate a payment. Can someone please advise me on whether I should initiate a payment arrangement with XXXX if Hayt Hayt Landau does not contact me via email/phone or respond to my phone calls prior to the XX/XX/XXXX court date? I do not have vacation/leave available to go to court or additional money available for legal representation and would like to establish and arrangement in order to resolve this issue. If I am unable to resolve this issue a judgment would put me into an even more arduous financial situation. I will continue to call Hayt Hayt Landau as I would like to establish an arrangement as soon as possible. Please Advise.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! 
My current and only address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, North Carolina XXXX. My name is being confused with another XXXX XXXX XXXX. My DOB is XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong. The following addresses are not my please delete they are not mine they are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have some account the I need absolute proof that they are my because of the previous confusion with another XXXX XXXX XXXX. 
The reason for my dispute is 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 required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623 , subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, the major of the account that appear have failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809. I am in need of a re-investigation to account for the confusion and possible fraud as well as unverified accounts. please send a copy of the Creditor Disclosure form I have attached along with any copies of a contract agreement with my signature.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have several charge off accounts that I did not authorize to be reporting in my consumer reports. The businesses have reported my account to the IRS as a loss but I have not received copy B of 1099 c resulting in me having discrepancies on my taxes. They are also reporting a balance still due when the IRS has paid it off. They are also still harassing me for payment.
Consumer complaint received 2023-07-27
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: JPMORGAN CHASE & CO. (VA)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : Virginia Zip : XXXX Email Address : XXXX 15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under. 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2019-01-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonneville Billing and Collections (AZ)

On XXXX-18 I sent a letter of validation request to Bonneville Collections. In my letter of validation I specified that it should be in accordance with the FCRA ( an original consumer contract with my signature ). 

On XXXX-18 I received a response from Bonneville Collections which only included an itemized statement of services and charges of {$810.00} which they obtained from the original creditor XXXX XXXX. No contract with my signature was ever sent to me. 

As a result of medical procedures being listed on this statement, not only was this not proper verification but also a clear violation of my HIPPA rights.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MS)

Navy Federal Credit union recently closed out my account due to 3 payments past due I didnt get anything in the mail stating that my account was going to close out, I contacted Navy Federal in the month of XXXX to let them know I was getting evicted due to not being able to pay rent, I let them know I would be now living inside of my car. 

I call maybe or around the XXXX to let them know my lawyer and my former employer were in mediation and we were about to reach the settlement process. I let them know Id be getting a settlement really soon, thats when I was informed that my account was closed. I have been out of work for months due to my injury and I informed Navy Federal Credit union of that, I had to obtain a lawyer because the workers comp wouldnt pay for anything and they still havent thats why we are in the settlement process, they still closed out my account. 

There was nothing I signed stating that if I missed 3 payments my account would be closed out. I asked the representative to provide that to me and she said i didnt sign it. I informed the representative I could obtain a job and have all of my earnings going into the Navy Federal account if they open it back up, I informed her i would do this into the settlement comes in. I also attached documentation of the mediation process with my lawyer, and me living inside of my car, and other things aswell to Navy Federal Credit union. 

I also received money from the dealership I got the car from because the car had mechanical issues, I signed a agreement stating that the money was to go to the car only. I took some of that money and paid my bills, I told Navy Federal this was money for my car not for bills. Now I am still having issues out of the car, because I chose to pay the credit card and car loan instead of getting everything on the car fixed. I say this to say, when I had the money I paid the debt I owed, regardless of the situation.
Consumer complaint received 2023-07-27
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. (TX)

These accounts are not mine Ive been incarcerated since 2011 I have recently been to release all the listed accounts and inquiries are fraudulent Heres a list of accounts : XXXX XXXX  acct XXXX, XXXX XXXX, XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX  acct XXXX,. inquiry XXXX XXXX,. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the accounts must be removed according to the court FCRA Status please remove all above listed accounts and inquiries thank you
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

Hello, I have a credit card with HSBC Master card with a {$3000.00} charge from a balance transfer that was not received and nobody knows anything about. It was applied on XX/XX/2018 and supposed to have been canceled 7-10 days later. I have called several times in the last 4 months and nobody knows anything or can solve the problem. I keep getting transferred from one know-nothing to the next until I am put on hold and hung up on. The charges are continuous with no resolve in sight. PLEASE HELP
Consumer complaint received 2023-07-25
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whom It Concerns, I am writing to dispute an inquiry on my credit report from XXXX XXXXXXXX, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ). I am concerned that TransUnion did not conduct a proper investigation into this inquiry, and I am requesting its immediate removal from my credit report. 
As a consumer, I am protected under the following rights granted by the FCRA : 1. Right to Accurate Information : The FCRA ensures that information reported on my credit file is accurate and up-to-date. 
2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report. 
3. Right to Investigation : The FCRA requires credit reporting agencies to conduct a reasonable investigation upon receiving a dispute about any information on my credit report. 
4. Right to Fair Credit Reporting : I have the right to fair and unbiased treatment in matters related to my credit information. 
5. 
I firmly believe that TransUnion has not fulfilled its obligation to conduct a proper investigation into the XXXX XXXX inquiry, leading to inaccurate information on my credit report. I urgently request you to take immediate action and remove this inquiry to rectify the violation of my FCRA rights. 

Please provide written confirmation once the inquiry is removed from my credit report, along with any supporting documentation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX