davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CO)

I purchased concert tickets online. The tickets never arrived. The vendor told me repeatedly, up to 2 hours before the concert, that there was no record of my ticket purchase. The day after the concert, the charge showed up in my Citibank online account record. I reported this to the credit card company, Citibank, that I used to purchase the tickets. They, in effect, have taken the merchant 's side on this issue. Citibank sent me a letter asking me to provide documentation that I do not have and could not possibly have. They say : ". We have closed our investigation and reversed our credit. If you still wish to dispute this charge .... Please provide documentation that you were unable to print the tickets or denied access to the website. You should also provide evidence that you tried to download the tickets from another location such as a friend 's house or local library. Me may be unable to continue with your dispute without this information. '' The merchant " had no record of my ticket purchase '', and they made no effort to provide the tickets to me. They were supposed to send an email containing printable tickets - they did not. Two different representatives admitted this to me on the day of the concert. They told me that the only way I could get concert tickets would be to order new tickets and pay for them again. 
The amount of the purchase was {$100.00}, for which I have received nothing of value. I spoke with the ticket vendor three times on the telephone - they said that there is nothing they can do - in particular that they can not refund the credit card charge. I spoke with Citibank four times about this now. They say that the error was the merchant 's. However, they ended up charging my account for the tickets, and they insist that I provide documentation of something that did not happen.
Consumer complaint received 2016-07-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: FMS Inc. (OK)

I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/year>, I mailed a formal dispute letter to Equifax via USPS certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ). According to USPS tracking information, the letter was delivered and received by Equifax on XX/XX/year>. 
In my dispute letter, I requested an investigation into an inaccurately reported XXXX  and incorrect personal information listed on my credit report. I included all required documentation to verify my identity, including a copy of my government-issued ID, my Social Security card XXXX and proof of my current address. Despite fulfilling all legal requirements, I have yet to receive any response from Equifax, and the XXXX timeframe mandated by the Fair Credit Reporting Act ( FCRA ) has now expired. 
In the dispute, I specifically highlighted that the XXXX  reporting on my credit report is both inaccurate and incomplete. Important details, such as the XXXX XXXX name and other critical information, are missing. The report only lists the filing date and a reference number, which is insufficient and misleading. Additionally, I disputed several incorrect personal information entries that Equifax has failed to address or investigate.
Consumer complaint received 2016-10-20
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (GA)

A company named Navient a student loan lending company has contacted me numerous times regarding a old XXXX student loan that has been paid in full. Navient has no information regarding the loan, what school the loan was from the correct amount and many other discrepancies. I 've never received a student loan from Navient, I 've requested them to send any paperwork they might have regarding this loan they refuse and when called it seems more like they are fishing for information about the loan they do not have. They have contacted me by phone, text messages and emails. I filed a fraud complaint with XXXX and Navient refused to respond to them. Navient seems to be a company that finds old, outdated and paid in full student loans from other companies then try to collect on them again.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

15 U.S. Code 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM Equifax.
Consumer complaint received 2016-11-16
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Ria Envia, LLC (TX)

USD ) on XX/XX/2016. The date of expected payment/ deposit of the USD was XX/XX/2016. I was using XXXX transfer services. I had problems in the past sending a smaller amount. ( A staff had helped me over the phone to send a previous amount and gave me the wrong info. - which I found out a week later when the transaction did n't process and had to redo it which delayed my payment further ). On XX/XX/2016, I was called by an XXXX transfer rep regarding the XXXX XXXX transaction and I stated that I had a lot of problems in the past with my personal bank and I did n't think it would work since my personal bank had to verify the account first, then may send the money. The verification process takes 2-3 business days and I would miss my deadline of XX/XX/2016 so I requested to cancel but she said I could n't cancel because I signed a " legally binding contract '' to pay for the XXXX since they " had purchased the XXXX based on my order '' at the exchange rate for the day and to cancel may incur loss. She then transferred me to her boss who said the same thing and asked that I speak to my bank. I called my bank and they said I could complete the transaction with bill pay online. I tried this and it did n't work. I relayed this info. to the XXXX rep the next day and he said that they could override their way of doing things and have the total amount direct debited from my account ( previously, they would only allow no more than {$5000.00} be debited at once ). I asked him on XX/XX/2016 to cancel it. He then stated that I would have to pay overage for the amount the exchange rate changed from XX/XX/2016 to XX/XX/2016 in the amount of {$2900.00} to cover their loss for the purchase of the XXXX at the exchange rate ( which was higher ) on XX/XX/2016. I then sent him an emailed request asking for proof of purchase for these XXXX in the exact amount that I requested on XX/XX/2016 with time stamp to prove that, indeed, they purchased these XXXX specifically for me, at the exchange rate for XX/XX/2016 - which would justify their claim for reimbursement. I have received no such receipt/ proof, yet they continue to demand I pay them.
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Other — 
Company: FIRST NATIONAL BANK OF OMAHA (IN)

I am reporting First National Bank ( XXXX XXXX ) again for making harassing phone calls for credit card payment. I reported them a week or so ago and am still getting harassing phone calls from them. Please let them no that I do n't want any more calls on my phone. Thanks.
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Comerica (FL)

I filed a dispute and provided proof of RMA ( Return Merchandise Authorization ) and that I was unaware of what the other charges from a related company were for. Unlike any card company I have ever dealt with they denied the claim and sent me back to the merchant even with proof that I returned the product.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I checked my credit report on XXXX XXXX and it states I have a Capital One bank account with a limit of $ XXXX that I never opened in XXXX. I 'm born in XXXX. I never had a bank card at XXXX Someone has hacked my identity and I never noticed until now. I do not have a bank account with Capitol One. It is stolen identity.
Consumer complaint received 2016-09-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have recently been made privy to TransUnion 's widely know glitch that illegally caused information on people 's credit report to disappear and then reappear without notification. This affected me, and in fact it 's been more damning than I could ever imagine, as it put new information in the form of credit inquiries that I never authorized. After speaking with a supervisor on XX/XX/2016 and confirming that they in fact had a breach on XX/XX/XXXX, I was informed they would remove any and all unauthorized hard inquiries on my file from XX/XX/2016 moving forward. 
The ONLY hard inquiries I should have ( that I authorized on my own volition ) are : 1. XXXX XXXX XXXX XXXX XXXX, XX/XX/2016 2. XXXX, XX/XX/2016 3. XXXX XXXX, XX/XX/2016 Transunion needs to remove the remain onslaught of inquiries that appeared from nowhere. Furthermore, as this breach only affected Transunion, I do not want unwarranted freezes or fraud alerts as this was a Transunion error. No other CRA has had recent breaches, therefore contacting them is not necessary. 
My drivers license and social security card are attached for purpose of permissible file access only.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-07-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AZ)

I intially opened up a " '' Guitar Center '' ' store credit card and purchaed a few items such as Microphones and Recording gear for my hime studio. 

What has been so extremely frustrated is and it has been a rather lwngthy time ago 9-12+ months for example. 

I called the XXXX or XXXX dumber and paid the full remaining bance ( incuding a applicable late fees ). 

I called them directly and mentioned I 'd like to pay off the remaining balance in full. Something like $ XXXX- {$450.00} perhaps in the middle. 

The rep reassured me everything has been handled and I now have a {$0.00} bance which was the purlose of calling to settle it. 

The gentlemen confirmed you have paid the balance in full. I even asked him 3 times. 

At its its root the problem is, is they still say I owe a balance and havent purchased anything, yet I keel getting bills. 

If they could simply pull the date of my final payment and physically pull the call ( essentially mayching final payment with the date ). It will clearly show firsthand that the rep said I was now paid in full! 

I need this to be removed from my report, not that it was late, which it was, but the balance had and has been paid XXXX % in full as the balance commensurate the orecise date I caled in and paid them would reflect that. 

I need this off my report and my # XXXX ... please pull the callor at minimum look at the last amount/date of final payment whuch I called in and provided my debit card over them phone will reflect the conversation on that date. Id enckurage you to listen to the call .thanks, XXXX
Consumer complaint received 2016-07-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (CT)

My city made my property tax exempt, after deceasing the mortgage for over two years. Without notice the lender FlagStar Bsnk added taxes back to mortgage. No matter how many times I sent in proof of exemption they would not change it. They drove the mortgage up and would not take my payment without the taxes stating they were short payment. They tried to justify the increase by stating that the mill rate in my city went up, however it was unchanged that year. They put me in Forclosure and would not grant a modification. XXXX is now involved and they took title of the house. No one would address the tax issue or the double of the mortgage.
Consumer complaint received 2024-09-04
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. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (TX)

On XXXX XX/XX/year> I requested for my account with ally financial to be enrolled in XXXX. About a week later I received a letter in the mail stating that my account was ineligible for XXXX benefits due to military service predating the contract date. As a Louisiana resident, by law I am entitled to XXXX benefits on any debt incurred before or on XXXX XXXX service. I have multiple accounts that have enrolled me into my benefits because of this law XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-25
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX/XXXX/2016 I sent a payment of {$85.00} using CapitalOne 's Peer2Peer payment system to XXXXXXXXXXXX. This system uses XXXX, a third party. The intended recipient reported that they never received the funds nor any notification. Upon opening a case with my bank they reported that the funds were deposited into a XXXX XXXX XXXX account however they have refused to provide me with the name of the person nor with the account number for me to know who received the money. My bank has also failed to refund me my money basically telling me that it is lost and unrecoverable in any way. Now myself and my intended recipient are out the original {$85.00} and I have to send another {$85.00}
Consumer complaint received 2016-07-23
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/2016 I ordered a Sears Craftsman garage door opener remote on the telephone through Sears PartsDirect. My order # XXXX and model # XXXX ( Garage Door Opener XXXX-Function Visor Remote ) was charged through my Citi Visa credit for the amount of {$50.00}. I spoke with agent XXXX about the order. She sent me the picture of the model through my email. After reviewing the model of the remote, I did not think it was the right garage door opener remote that I wanted. I told XXXX to cancel the order and refund me the amount of {$50.00} immediately. XXXX told me she already canceled the order. However I NEVER received an email to confirm the order was canceled. 

On XXXX/XXXX/2016 at approximately XXXX, I called Sears Parts Direct to confirm the order was canceled since I NEVER received an email or refund of {$50.00} through my credit card. I spoke with XXXX on the phone. I tried to explain to XXXX about my situation and concern but she was rude to me by constantly interrupting me when I speak. XXXX did not show any concern towards her customer at all. She kept saying that I am threatening to write her up and file a complaint. I told XXXX that I would not file a complaint as long as she takes care of her customer by helping customer 's needs instead of being condescending. XXXX refused to assist me in a professional manner. I kept asking her where is my refund? I NEVER received an email to confirm a refund or cancelation. 

Today is XXXX/XXXX/2016 and I checked my Citi Visa credit card account. Sears Parts Direct still charged me {$50.00} and refused to give me a refund. XXXX and XXXX promised me that it will take 2-3 days to receive a refund. Today is a third day since I ordered and canceled the order of the garage door opener remote. NO refund yet appeared on my credit card statement.
Consumer complaint received 2016-07-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, XXXX I received a letter from Wells Fargo stating that they were releasing the lien on my XXXX mortgage with them. They stated they were releasing me from any obligation to make payments on the loan now or in the future. On XXXX XXXX, XXXX Wells Fargo recorded a Full Reconveyance with the county recorder 's office granting me sole title to my home. Relying on their statements, I believed that my previous loan and account were closed. On XXXX XXXX, XXXX I received a notice from Wells Fargo, XXXX XXXX XXXX, and an attorney representing Wells Fargo that they had referred a loan in my name to foreclosure. The account number listed was not one I had ever opened or authorized. It did not correspond to my previous mortgage account number. I wrote Wells Fargo by certified mail on XXXX XXXX, XXXX, notifying them of the error, and notifying them that my previous mortgage account was closed, and that I had not opened or authorized any subsequent accounts. On XXXX XXXX, XXXX they wrote me, stating they would resolve the issue by XXXX XXXX, XXXX. I have had no response from them since, and they have not corrected these mortgage servicing errors. I filed a police report and FTC identity theft report when I discovered Wells Fargo was reporting to the credit bureaus a mortgage account in my name that I did not authorize. On XXXX XXXX, XXXX I sent a credit report dispute notice to Wells Fargo by certified mail, providing proof that my previous loan was current at the time it was closed and that I had not authorized the loan they state is in default. I have received no response. On XXXX XXXX, XXXX I again wrote Wells Fargo by certified mail requesting a reply to my XXXX XXXX notice of mortgage servicing errors and XXXX XXXX notice of credit reporting errors, and supplying further proof that the account they state is in default was opened without my authorization after my previous mortgage account was closed. I have received no response. Wells Fargo continues to state that my home is in foreclosure on a loan I did not authorize. Despite my repeatedly submitting proof that I no longer have any accounts with them, that they no longer have a valid lien on my property, and that they used my identity without my authorization to create a new mortgage account, they continue to report to the credit agencies that I am delinquent on XXXX separate XXXX mortgages for the same property. They also refuse to stop foreclosure proceedings against my property, even though they have no valid mortgage or lien on the property.
Consumer complaint received 2016-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have several duplicate hard inquiries on my credit report from XXXX that were supposed to be removed but they are still there and affecting my ability to close on a house in 30 days. I am not working with this mortgage company. They should not be allowed to make multiple inquiries. I never game them permission to make multiple inquiries. 
The inquiries are as follows on Transunion, XXXX, and XXXX XXXX, XXXX inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX