davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I closed on my property on XX/XX/year>, my servicer was Select Portfolio Servicing , Inc . They assured me prior to closing they would not be disbursing the tax disbursement being the settlement company was picking up the exact amount from me at closing ( {$3000.00} ) and I would be refunded the balance in my escrow account about 4 to 6 weeks after the loan was paid off. Turns out, the tax funds of {$3000.00} was both collected from me at closing and also disbursed from SPS ( XXXX ). After several phone calls, I was instructed to call XXXX XXXX XXXX Clerks Office to verify receipt of tax payments. I was told by the clerk that they did receive two payments, the one from settlement was received first and it posted. The other one was received from XXXX ( SPS 's 3rd party servicing company ) was returned to XXXX on XXXX. I have called SPS about 10 times to remedy this situation to no avail, no assistance and no tracking of this returned check. I only received the escrow balance for the homeowners insurance but not the taxes. I have tried numerous times with no due diligence whatsoever to locate these funds. This is not only dishonorable, it's theft to a customer. SPS needs to be held accountable for not taking the proper actions to resolve this matter
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (IL)

I requested a balance transfer from my XXXX XXXX  account to my XXXX account on XX/XX/XXXX. The transfer was sent to Citi Card, which I have no accounts with. 
I received a letter from XXXX XXXX XXXX around XX/XX/XXXX noting that my request form balance transfer to CIti Card was in process. I called Card Member Services to notify that I wanted the funds to go to XXXX not Citi Card. They indicated they could not help me. I called back a couple of days later and a XXXX agent was able to help me with seeing if they could put a stop on the check. It was too late as the check had been cashed a day earlier. They did send me a copy of the cashed check which took XXXX working days to get. 

Between that time Citi Payment Investigations sent a form to XXXX XXXX XXXX, which issued the check for funds transfer. XXXX XXXX forwarded that form to Card Member Service who in turn forwarded that form to me to fill out and return directly to Citi Payment Investigations. 
I returned the form to them on XX/XX/XXXX via certified Mail which USPS tracking indicated they received on XX/XX/XXXX. 
To date I have not heard from Citi and calls into XXXX, CIti and Card Member Services have not resulted in any action. The
Consumer complaint received 2024-10-24
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. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-09
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union Attention : Customer Service po box XXXX XXXX, VA XXXX Subject : Formal Complaint Regarding Overdraft Fees and Class Action Settlement Dear Navy Federal Credit Union Customer Service Team , I am writing to formally express my concern regarding the excessive overdraft fees imposed on my account, which I believe to be part of a broader issue that has led to a class action settlement. Like many Navy Federal Credit Union members, I was dismayed to discover that these overdraft fees had accrued in situations where they appeared to be unjustified, particularly in light of the circumstances detailed in the recent class action lawsuit. 

I have consistently managed my account responsibly and feel that these fees do not reflect fair treatment, nor are they in line with the standards I expect from Navy Federal Credit Union. Based on information from recent settlement proceedings, I believe these fees have caused significant financial inconvenience and undue hardship, which I feel should be addressed both in terms of immediate remedy and in preventing future occurrences. 

Given these concerns, I kindly request the following : Refund or Credit for Past Overdraft Fees : As part of the resolution for this matter, I request a refund or credit for overdraft fees that I believe were unfairly charged to my account. Please provide me with a detailed history of these fees and any options for reimbursement. 

Clarification of Settlement Terms : I would appreciate further clarification on how the terms of the class action settlement apply to my account. Specifically, I would like to know whether I qualify for any relief under this settlement and how I can participate if I am eligible. 

Commitment to Fair Overdraft Practices : I urge Navy Federal Credit Union to review its overdraft policies and ensure they are aligned with transparent and ethical practices. This step would go a long way in restoring the trust of members who have been negatively impacted by these fees. 

Please provide a written response outlining the steps Navy Federal Credit Union will take to address my concerns and any relevant information regarding my eligibility in the ongoing settlement. I am hopeful that Navy Federal Credit Union will take this opportunity to rectify these issues and improve its commitment to fair and transparent banking practices. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, XXXX, Equifax are reporting incorrect information on the account listed as XXXX account number XXXX. The information is not consistent among the credit bureaus which means they have not performed a reasonable investigation into this account. 

Account Status : Open Derogatory Open Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$170000.00} {$170000.00} {$0.00} Payment Status : Unknown Late 60 Days Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - Debt included in or discharged through Bankruptcy XXXX  XXXX, or XXXX. 
Real Estate Mortgage FHA mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Upon reviewing my consumers report i noticed that there were two accounts listed that do not belong to me. Here are the accounts listed below. 

XXXX XXXX XXXX Acct # XXXX, Bal {$42000.00}, Opened XXXX XXXX XXXX XXXX XXXX Acct # XXXX, Bal {$24000.00}, Opened XX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (OK)

this is a collection Agency I don't know who they are and they turn to Law firm that collection to on the side. I just wonder what I can do this the three-time they have come and Garnishment my check the first time I let them take money from me and the company sold out to different company. And they try to Garnishment my check but the company didn't do anything then I got let go I try to make payment I didn't make enough money where I can make a pay but I made a mistake send person Check to then Then they came after my bank account The I know an attorney and he told me what to do and told I should not send a person check to them. Now they have garnishment my paycheck again but I have appealed the action and got a court date. Question I just would what I can do stop going on and run me credit by my secial security. I feel like this is harassment.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I Demand Equifax provide me with Certified Full Disclosure of their alleged Verification Methods concerning their purported Reinvestigation and updated reportings ; per the FCRA 611 ( a ) ( 7 ). See the attachments.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (FL)

The derogatory rating on my account has directly caused loan denials and increased interest rates on my existing credit accounts. This inaccurate rating must be deleted and blocked from reporting to all three consumer reporting agencies immediately, as required by law.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (CA)

I was on a princess cruise in our room was a credit card brochure advertising 12 months interest free credit for onboard purchase and future cruise deposit. We applied onboard with cruise specialist who talked us into a future cruise deposit took our deposit and application. When we got home we started getting interest charges from the Barclay card who said the promotion was no longer valid when we opened the account even although it was sold to us under the understanding that the brochure was valid. XXXX says they will inform their staff that it is no longer valid. Barclaycard says too bad. Talk to XXXX
Consumer complaint received 2024-10-24
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. (AZ)

Dear Sir/Madam, I am writing to dispute the following inaccurate and fraudulent accounts that have been reported on my credit file. I am not requesting a reinvestigation at this time, but rather a deletion of these accounts from my credit report. Failure to do so will result in my exercising my right to seek legal action and defend my rights in court, as provided under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. Below are the accounts in question : XXXX XXXX XXXX XXXX, Account # : XXXX, Balance : {$830.00} I have contacted the collection agency and filed a complaint with the CFPB, yet the agency has failed to respond. I question how your agency was able to verify this account. This account is fraudulent and must be removed immediately. 
XXXX. XXXX XXXX XXXX, Account # : XXXX, Amount : {$960.00} This is a medical account, and I have no knowledge of this debt. Reporting this account violates both the FDCPA and HIPAA regulations. Remove this immediately, as I will not file a third dispute. 
XXXX. XXXX, Account # : XXXX, Balance : {$20000.00} I have filed a complaint with the CFPB, and a lawsuit has been filed against the company. You claim to have verified this debt, but I have never received any documentation or proof. Remove this account from my credit report immediately. 
XXXX. XXXX, Account # : XXXX, Balance : XXXX XXXX  This account violates 15 U.S.C. 1681i ( 7 ) ( Method of Verification ) as it was reported without valid documentation. I demand that this account be deleted immediately from my credit report. 
XXXX. XXXX, Account # : XXXX, Balance : {$1400.00} I have never owned a credit card with XXXX XXXX. If you can not provide proper documentation verifying the legitimacy of this account, it must be deleted immediately.

Please ensure that these accounts are removed from my credit report and provide me with written confirmation once the deletions are complete. Failure to do so will result in further legal action. I trust that you will handle this matter with the seriousness it deserves to ensure compliance with the law.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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 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 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
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

have included the inquires from all credit bureaus to remove from there credit report. I also attached other information regarding Incorrect items being reported during the time my identity has been stolen. I need assista with severe problem that is affecting my life and progress with my life plans. Please support me and interest in repairing my life. 
Thank you sincerely XXXX XXXX
Consumer complaint received 2024-11-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc (NC)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act also due to 15 u.s code 1692g and 15 u.s. code 1681b ( a ) ( 2 ), I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, please provide me with assignment contract chain dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 


All accounts in dispute listed below : KLS Financial Services Acct # XXXX Best Regards,
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

ALL customer service representatives stated a banker in the branch has the ultimate knowledge to interpret the terms and conditions.

To properly interpret the clause : You have received a bonus for opening a Wells Fargo XXXX Checking account within the past 12 months.

To receive a proper interpretation, I contacted four bankers at four different branches. 

They ALL stated - clearly and unambiguously that it means the 12 months period begins from the date of the previous account opening. 

NO banker at a branch ever gave me a different interpretation of the clause. 

I certify I am telling the truth and only the truth.