davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CONTOUR MORTGAGE CORPORATION (MA)

XX/XX/2019 I closed my refinance with Contour Mortgage. At the day of the closing some information changed XXXX cash out amount and amount paid for points ). I called the XXXX XXXX ( the mortgage specialist assisting me during the closing and he said everything was fine and he'll explain. 
The discrepancy in the payout amount according to XXXX was going to be refunded to me once the escrow account send out the balance left in the account to me. 

I contacted XXXX and his supervisor XXXX XXXX several times in an attempt to clarify what happened with the refund from the escrow account ( {$1200.00} Estm ) & {$500.00} gift card promised to me to cover the appraisal charge. I spoke several times with XXXX and nothing came about for either of the issues. 
I contacted the old bank who have my mortgage to find out if something was missing or if the have the balance. they indicated they account was clear and nothing was due back to me on their end. 
its been about six month since I refinance with Contour mortgage and I still waiting for a resolution to this issue. My attempts to find a solution with them have been unsuccessful and my calls are not being answered by either one of them. 

I hope through this mean I am able to find a resolution and a final answer to what it is owe to me by Contour Mortgage and a explanation as to what happened witht he difference in their final closing papers. 

Thank you. 

please feel free to contact me with any further questions
Consumer complaint received 2020-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX placed a " Medical Collection '' for {$1800.00} on all three of my credit reports ( XXXX , XXXX XXXX XXXX ). I have no knowledge of any of this and attempted to have this removed from the credit agencies to no avail. I want to get this item removed.
Consumer complaint received 2024-09-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (MO)

I've KINDLY REQUESTED LEGAL RIGHTS INFORMATION PER FAIR CREDIT ACTS. 
ANY AND ALL INFORMATION BE SUPPLIED TO MYSELF PER DEBT. 
THEY ABSOLUTELY REFUSE. 

I've Called the Alleged Hospital That Debt Was Incurred. They've NO RECORD. 
THIS IS OBVIOUSLY ERROR, ERRONEOUS OR FRAUD. 
XXXX. 
I WAS IN XXXX XXXX CA DURING CHARGE DATE. 
Nowhere near Arkansas. 
Please have Removed ASAP PER LEGAL RIGHTS. THANKS
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (OH)

On XX/XX/23, I opened a new checking and savings account with Citibank. I was informed by Citibank via email that my debit card should arrive by XX/XX/23. But I never received my debit card. 
On the morning of XX/XX/23, I saw a fraud alert from Citibank stating that there was suspicious activity on my Citibank Debit Card. I immediately reported that I did not recognize the activity and logged into my online banking account to investigate further. I discovered that {$1000.00} had been withdrawn from my checking account without my authorization. 
I immediately called Citibank to report the fraudulent activity and inform them that I had never received my debit card. Citibank assured me that I did not need to worry and that they would refund me within 10 days. However, on XX/XX/23, I called Citibank back to inquire about the status of my refund, and they informed me that my claim had been denied because the transaction was authorized. 
I then appealed the decision multiple times, providing information such as the fact that I never received my debit card, that I had filed a police report, and that it was their mistake because a Citibank customer service representative had unlocked my card right before the fraudulent activity occurred. Despite my appeals and attempts to provide evidence, Citibank continued to deny my claim. 
As of XX/XX/23, Citibank still refused to admit its mistake and provide me with a refund for the {$1000.00} that was wrongfully taken from my account.
Consumer complaint received 2023-04-19
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. (VA)

There was a credit card opened without my knowledge or authorization. The credit card company is XXXX XXXX XXXX XXXX. My account was crossed referenced with someone else for a few years so I was unable to access my report. After finding out the account appeared on my credit I reached out to XXXX XXXX to close the account in XXXX. They then reported the account as 30 days late in XXXX after a credit dispute with XXXX also in XXXX, it was updated to closed again in XXXX. I have initiated disputes with XXXX, Equifax and XXXX. There is missing data from XXXX that I brought to the attention of the fraud specialist at XXXX. They allowed XXXX XXXX to report the account was 30 days late on a closed account then they allowed then to close the account again. When I disputed the account I included a FTC identity theft affidavit also.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There was a credit card opened without my knowledge or authorization. The credit card company is XXXX XXXX XXXX XXXX. My account was crossed referenced with someone else for a few years so I was unable to access my report. After finding out the account appeared on my credit I reached out to XXXX XXXX to close the account in XXXX. They then reported the account as 30 days late in XXXX after a credit dispute with XXXX also in XXXX, it was updated to closed again in XXXX. I have initiated disputes with XXXX, XXXX and Transunion. There is missing data from XXXX that I brought to the attention of the fraud specialist at XXXX. They allowed XXXX XXXX to report the account was 30 days late on a closed account then they allowed then to close the account again. When I disputed the account I included a FTC identity theft affidavit also.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX XXXX XXXX On XX/XX/XXXX Experian received documentation from me stating for my identity " XXXX XXXX XXXX XXXX '' to be furnished, and to remove any unauthorized names that I don't recognize as my legal name. An identity thief used my social security number on XX/XX/XXXX for an fraudulent account with " XXXX XXXX XXXX '', and an unauthorized name " XXXX XXXX '' was strangely furnished to my report by Experian without my written instructions. Experian furnished this without using completely accurate evidence ( a supporting address that links that " XXXX XXXX '' to the address on my report. On XX/XX/XXXX, I attempted to dispute this with Experian. After notifying them, they did not honor the dispute and admitted to not honoring my fcra rights for this dispute when I warned them about it on a recorded line. I am under emotional distress from the unauthorized " XXXX XXXX '' still lingering on my report due to Experian 's failure to take action on this dispute.
Consumer complaint received 2023-04-19
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (VA)

I have a discover card that was opened with a credit limit of XXXX in XXXX of XXXX. I have never missed a payment on this account or any other account since this was opened. Since XXXX of XXXX I have bought a house, refinanced, as well as opened new accounts since XXXX of XXXX. 

Today XX/XX/XXXX I went to see if my last payment had posted to my account. To my surprise it said I only had XXXX available and my credit limit was XXXX. I thought my account had been had or it was a mistake. I contacted discover to only find out they had supposedly reevaluated my account and changed the limit to basically the balance on the card ( XXXX ). Please note I received on new statement on the XXXX stating my limit was XXXX, but they said a review also done on the XXXX and they adjusted to XXXX. 

This was done for 3 factors according to them - only pay miminum or close to the minimum - new accounts - seeking credit I have talked to the agents twice and it was stated there was nothing they could do. I can understand not increasing my limit but decreasing it to make it appear as the card was almost 100 % maxed out is ridiculous. This will affect my credit score for reducing my available credit as well increasing my credit usage. My credit score should not be dropped when I have done everything to keep this account and every account i have in good standing. This will have detrimental effects on my credit that I will have to find other ways to over come because of this shady business practice. 

If my life is never supposed to change to maintain a credit limit then this should be advised. Never mind during the middle of a Pandemic, this practice should be illegal as it significantly reduces my ability to ward off any financial hardship my family may face at this time.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-19
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-19
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: PENTAGON FEDERAL CREDIT UNION (CA)

My Penfed credit card information had been stolen and the suspect had used it to commit a number of fraudulent transaction on XX/XX/XXXX. Five of the transactions had been denied, but two of them had gone through. All of the transactions had occurred in the same area in XXXX, CA and at around the same time. I then received a call from Penfed that morning notifying me that there were some fraudulent charges on my credit card account, so I called backed to let them know that I had not initiated those transactions. They then issued me a new card and started a fraud case. 

However, a few days later Penfed notified me that the fraud claim had been denied on the basis that the card was present at the time. I do not see how this could be possible because I know for a matter of fact that I was in my apartment in XXXX, CA at the time the fraudulent transactions in question took place ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX {$40.00} and XXXXXXXX XXXX {$300.00} on XX/XX/XXXX ) and my credit card was with me at that time. Penfed also believed that my friends or family could have used my card, but none of my friends or family live with me nor have access to my apartment. I was the only one inside at the time. When I checked that morning on XX/XX/XXXX, the card was where I had always kept it. They also claimed that I had set up a cash advance PIN, which I did not do. Furthermore there was another transaction at the same location at XXXX XXXX for {$40.00} that had been denied due to suspected fraud. 

The suspect had initiated all of the fraudulent transactions at around the same location and at around the same time so I'm not sure how any of those transactions could possibly not be fraudulent.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (AL)

I have a credit card account with PenFed Credit Union. Account ending in XXXX. On XX/XX/2023 I received a monthly statement with a statement balance of {$10000.00}. Because this balance exceeded the credit limit on the account, PenFed deactivated the card so no further charges could be made. On XX/XX/2023 I made an online payment from my personal checking account with XXXX XXXX for {$10000.00} to this PenFed credit card account. PenFed records show that this payment was received and credited to my account, my credit limit was increased, and the card was reactivated and used to make purchases. XXXXXXXX XXXX records show that this payment was withdrawn from my account and the transaction posted. On or around XX/XX/XXXX, my card stopped working. On XX/XX/2023 I spoke with PenFed Member Services who confirmed the payment was processed and received by PenFed from XXXX XXXX. I was further informed that because the payment amount exceeded my total credit limit, their policy was to hold the payment funds for 7 days before releasing them and applying them to the credit card account. I was told my card would remaining deactivated until XX/XX/2023, at which time the funds would be released and payment applied. When I asked if PenFed had received the funds from XXXX, she said yes. She repeated that they were holding the funds and would not apply them to my credit card account until XX/XX/2023. At that point I became concerned that PenFed was holding my funds for such a long period and asked for a supervisor. I was told a supervisor would contact me, but no supervisor has returned my call. I called XXXX XXXX, who confirmed that the payment transaction for {$10000.00} had posted to my account, the funds had been withdrawn, and were sent to PenFed. At this point my credit card remains inactive, PenFed has confirmed it is holding my funds, and will not release them for application to my credit card account. It does not seem appropriate for PenFed to receive and accept a credit card payment on my account, then reactivate my card for use, then deactivate the card and hold my payment for 7 days.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FREEDOM FINANCIAL NETWORK (CA)

On XX/XX/2019 I was issued a paid-in-full letter from Freedom Financial. They continue to report an incorrect balance of {$12000.00}, when, in fact, there is XXXX balance due to them. I have paid the account in full and I was never late.
Consumer complaint received 2023-05-23
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 — Investigation took more than 30 days
Company: Premier Auto Credit (CA)

Hey the credit bureaus are not validating my accounts and they are not holding up to the regulations and are not making the collection companies hold up to the regulations and laws. My letters are attached.
Consumer complaint received 2023-04-19
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I purchased an expensive lens from the XXXX marketplace on XX/XX/XXXX, for XXXX USD. The guy looked legit on XXXX, so I pay via XXXX on the Bank Of America app and got a tracking number. I waited and never received it. The seller never contacted me back, and I call XXXX and the tracking number was a different delivery address but the same area code. It was girl scout cookies. I Was Scammed, and they had someone on the inside of XXXX providing fake tracking numbers. I immediately called Bank of America for the Scam and filed a report. After many phones call to get updates on the Scam report after almost A month, and going into a budget after loosing so much, I finally received a final answer. That Bank Of America will not refund my stolen money. I called them to find out why they chose not to, after being a ''loyal customer since XXXX '' as all the operators say to me. They explained to me they contact the scammer, and tell them to refund the money back, and occasionally they do, and many times they don't. Such a weak customer protection service. But also the scammers were smart, they had someone on the inside of XXXX to stall long enough with a real ''fake '' tracking number long enough for the transaction to fully pass. By the time the Expensive lens was supposed to arrive, 7 days have passed from shipping it from XXXX to XXXX XXXX. I demanded I will not leave empty-handed To BOA customer services, but there was nothing they can do. They suggested contacting the FBI and Police report, but what good will they do when the scammer has been located to be a XXXX scammer, has international borders away, and is currently in a proxy war with XXXX right now. That will only waste more time, out of the hard-earned money I've been saving for almost 6 months. I hope this report will bring the attention of the stolen funds I rightfully deserve back, I thought I could Trust Bank Of America as everyone in my family use them for many years, including my parents for at least decades. But turns out that when it comes to scams they can protect me or honor my stolen funds. Now I have doubts about my bank in taking out future loans with them for a mortgage, or a car now. No protection