davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (ID)

XX/XX/XXXX Received a letter from XXXX XXXX XXXX introducing the company and explaining that they had taken over an account, Citibank/Home Depot, with the claim that my current balance was {$320.00}. 

XX/XX/XXXX I replied to XXXX saying that I had never owned a Citibank/Home Deport credit card, nor had I ever received a statement from them. Though I initially applied for a card, I was informed that my application was incomplete. I chose not to complete the application and never received a card. I asked XXXX  to provide detailed account information of all supposed purchases, to include dates and vendors. 

XX/XX/XXXX XXXX  acknowledged that they had processed my dispute and if I felt they had reached their conclusion in error I needed to provide written explanation and documentation demonstrating any errors in their account information, and they said they were uncertain regarding what I was specifically disputing. XXXX  also informed me that they had requested that the tree major credit bureaus change the status of account to " Disputed ''. XXXX enclosed a letter from XXXX XXXX, Vice President of Citibank saying that my loan ending in XXXX  with a balance of {$320.00} had been sold to XXXX. Mr XXXX said that the balance consisted of {$67.00} of principal, {$19.00} in interest, and {$230.00} in fees. However, I had never completed the application for a Citibank card and had never received a statement from them. 

XX/XX/XXXX I replied saying that I had never owned a Citibank/Home Depot credit card and that this was not my dept. I again asked XXXX to provide documentation in regard to their claim. 

XX/XX/XXXX I received a letter from XXXX offering a payment plan and a 40 % discount : Payment of {$190.00} if paid by XX/XX/XXXX ; Or, a 20 % discount in 3 payments of {$86.00} ; Or, monthly payments as low as {$50.00} as month with a notation of " Call today to discuss options and get more details. '' XX/XX/XXXX I replied to XXXX saying that they had not provided documentation regarding their claim as to the items supposedly charged on a credit card that I never received ( total of {$67.00} ). I reiterated, once again, that this is not my dept.
Consumer complaint received 2019-06-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance of America Holdings LLC (FL)

On XX/XX/2019, I respectfully submitted complaint no. XXXX. The lender stated that will not furnish any other information claiming i was not authorize on the account. Attached please see court Order. The Court order reflects i am the legal representative to the Deed and therefore have every authority vested in me by a Circuit Judge to challenge the foreclosure action. Also see Lis Pendens where i am named party to the lawsuit and have every right under Florida Statute 673.3081 ( 1 ) to challenge the note and its endorsements. Upon receipt of the Qualified Written Request, the lender responded and stated that XXXX XXXX was a former employee of FAR. We will like to know who is FAR and what is the relevance between FAR and Urban Financial Group Inc? Can you provide power of attorney authorizing XXXX XXXX to have executed the endorsement for Urban Financial Group Inc, since her name is not listed on XXXX. In fact the names of every officer will appear on Floridas site.  The reason we made the inquiry is because XXXX XXXX is not found in any documents pertaining to Urban Financial Group Inc. We believe XXXX XXXX does not even exist and is the reason the lender does not want to comply. It appears on its face that the lender have engaged in Floridas Deceptive Business Practices.
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2019, my debit card was overcharged by XXXX XXXX XXXX XXXX at a gun show. At the time of sale ( XX/XX/2019), the vendor verbally informed me that the total was {$40.00}, then had me sign a signature pad that did NOT display the total information. I was also asked to write down my address on a piece of paper on a clipboard. However, after the transaction, the vendor did NOT provide me with a receipt. When I went home, instead of a charge for {$40.00} for the muzzle break I brought home, XXXX XXXX XXXX XXXX had charged my account {$560.00}. I immediately went online to try to find contact information for the vendor, but I could not find a website, email or phone number anywhere. I contacted my bank and they gave me a temporary credit for the purchase and initiated an investigation. On XX/XX/19, I received a letter from my bank explaining that the vendor sent my bank a receipt. The receipt shows the total as {$560.00} for a " NonInventory Item '' and my signature beneath it. I never signed any document for this amount, only the blank signature pad. My bank has accepted this fraudulent receipt and is going to reverse the temporary credit they issued me.
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I noticed a $ XXXX monthly account fee on my statement from XX/XX/19. I contacted customer support who told me the error was that I did not have a deposit of at least {$25.00} in direct deposits. I told the CSR that I did have {$18.00} deposits on XX/XX/19 and XX/XX/19, and she agreed that I was correct after arguing with me. She escalated the issue to supervisor, after a 30min investigation with supervisor, instucted me it was my fault that the deposits were not a single deposit of at least {$25.00}. I told them that I have had 23+ previous statements without a problem, and that this is a error on the banks side. They told me there was nothing they could do and hung up. 
I called back and was hung up on a second time. 
On the third call the bank agreed to refund the {$3.00} and told me they would not do it again in the future. 
The policy listed on Wells Fargo website indicates that multiple direct deposits are OK as long as the minimum total amount is reached. I have attached this screenshot to this report.
Consumer complaint received 2023-01-05
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. (NY)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX I had deal in place to buy a XXXX XXXX XXXX XXXX XXXX XXXX with XXXX miles. From XXXX XXXX. I was told that XXXX owed money on the vehicle in order to get the title. I deposited ( 2 ) checks 1- {$5000.00} on XX/XX/XXXX and a XXXX on XX/XX/XXXX for {$20000.00} with the balance due upon receipt of vehicle and title. 1 month goes by and the seller disappears. A call was placed to XXXX XXXX to report fraud on XX/XX/XXXX to the fraud department. I was told by the NFCU representative that they can see the transactions and there was nothing they could do since I did not have the account holders real name. I asked does this not count as fraud? The rep continued on saying there is nothing she could do. There was no fraud investigation started by the bank or a freeze placed on the account. Navy Federal Credit Union failed to protect me as a member against money laundering and fraud.
Consumer complaint received 2023-01-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2019-06-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Experian re-reported a deleted account from XXXX XXXX XXXX XXXX, however I was not notified within 5 business days of the reinsertion. XXXX   deleted the same account and was never reinserted. It is important to delete the account from my Experian credit file to show accuracy. This inaccuracy ruining my credit file. Pursuant to the FAIR CREDIT REPORTING ACT, PLEASE COMPLETE THE REMOVAL WITHIN 30 DAYS.
Consumer complaint received 2019-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (MS)

Please see the attached documents including a letter addressing all issues and concerns regarding the loan, documentation, emails, etc. that describes my transaction from 2006 to present. 

Thank you for your time and consideration, XXXX XXXX
Consumer complaint received 2019-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (MD)

This company called Wakefield keeps putting this account back on my Credit Report once it's removed! I keep telling them that this account does not belong to me! This is a 3rd party collection agency! Who has 2 accounts from Wakefield {$730.00} and {$480.00} from XX/XX/2018!!! I also told them that am a victim of Identity theft! Can someone please look into this and get this removed off my Credit report as soon as possible? Thank you.
Consumer complaint received 2019-06-11
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. (NM)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX****
Consumer complaint received 2019-06-11
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. (OH)

I have reached out to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX for 7 months and I have included the letters along with my credit report that this items do not belong to me I have asked for proof of why they believe these debts are owed to me which I have never had these items they have failed to submit the information to me as well as to remove the items from my credit report. they never provided the items in the letters I submitted and that is against the law it has been over 7 months and I have submitted 8 letters
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have reached out to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX for 7 months and I have included the letters along with my credit report that this items do not belong to me I have asked for proof of why they believe these debts are owed to me which I have never had these items they have failed to submit the information to me as well as to remove the items from my credit report. they never provided the items in the letters I submitted and that is against the law it has been over 7 months and I have submitted 8 letters
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (PA)

I applied for a Sams Club credit card, and the interest rate was not given at time of application on XX/XX/19. I received my credit card with its information on XX/XX/19. I became aware that it has a 25 % interest rate, which is much higher than many other credit cards that I have. On XX/XX/19 I attempted to speak with a customer service representative to request a lower interest rate. They stated that they couldnt do anything for me.
Consumer complaint received 2019-06-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KEYCORP (AK)

Looking at my Key Bank home equity loan account I see Key   has added a fee of {$210.00} plus {$11.00} to my account and call it Assess Prop Val Fees. I have called Key to find out what these fees are about. I have been transferred from XXXX to XXXX to XXXX and the only answer I got from XXXX was it was for insurance. For what no one seems to know other than I am being charged for it. I told them I already have the property insured and didn't need this nor do I want it. I'll have someone get back with you is what I'm told. When asking when will that happen? After they review it I'm told. I've heard that too many times before and it never happens. It's my money and I don't want them spending it without my approval or knowledge. If Key wants to know the value of my property, they should also pay for it, not me.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the XXXX of XXXX of 2017 I made an inquiry to a babysitting position on XXXX ( provided are screenshot attachments of the exchange I had with the scammer who I did not know was a scammer at the time ). I was hired and within a week I had received a check in the mail with instructions to deposit the check at my bank account ( that I had at the time with Bank Of America ) and that once the check got cleared to subtract my pay and to wire the rest of the amount to the scammer to him/her through XXXX. I deposited the check without me knowing the check was a fraud and few days later my bank account was put on lock for suspected fraud activity. I contacted Bank Of America 's customer service and was told that in order to clear my name I would have to file a statement with the local police department. I did as I was told and provided all of the evidence I had. I stopped all contact with the scammer and eventually my bank account was shut down and my report was blacklisted so I am not able to obtain a new account. Below is also an attachment of the statement/case that I made at my local police department. Please contact them to verify that my intention was not to commit fraud. Their number is ( XXXX XXXX XXXX Thank you.
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

There is charge on my account which doesn't belong to me which they never resolved the charge There is a charge on my account which doesn't belong to me. I disputed this charge one year ago and still this charge appears on my bill. They charge me instead of someone else who has the same last name as me. This was the clear mistake of living space costumer service. The living space knows their mistake but no one wants to solve this problem because of their poor customer service. Because I was disputing this charge they froze my synchrony bank application which I was using to pay my bill. When I traveling back home I tried to pay my bill but because they froze my application I couldn't pay my bill and they reported miss payment on my account even it was their mistake. I can not make 1-800 number internationally from the country I am from to pay my bill. I never paid even one day late prior this issue with this company before but because their poor practices now they damaged my credit score
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Absolute Resolutions Corp. (TX)

Absolute Resolutions Investment, LLC is harassing my work phone number and calling my family members multiple times asking questions. I have asked them to stop calling my work phone number in writing and to only call my home number at the appropriate hours. Also they will not validate the they account and their contract.
Consumer complaint received 2019-06-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore took over servicing from XXXX I requested verification of the debt and payments from XXXX of XXXX. Only verification I ever received no matter how many times I disputed the debt with XXXX XXXX  & XXXX and the servicers was a printout of payments charges fees. There were over payments that were never applied to my mortgage the amounts were just adjusted out of the account. I entered in to 3 modifications each time they held the payments in suspense ( in one instance the payment was not applied to the account for 2yrs ) Because the payments were put in suspense they claimed I defaulted on the modifications. The balance they say I owe as of XX/XX/XXXX was {$120000.00} yet I made modification payments after XX/XX/XXXX. 
XX/XX/XXXX the foreclosure judgement was entered by XXXX XXXX and XXXX while I was completed a modification plan with Rushmore. XXXX XXXX   and XXXX were also Dual tracking when I was in a modifcation with XXXX and with XXXX. They never served the 90 day notice they never acknowledged the numerous debt disputes. XXXX of XXXX Rushmore denied a modification but did not provide information as to the rules regarding the modifications they also claimed they could not consider it because it was less than 37 days when the sale was not until XX/XX/XXXX Despite the mortgage stating that I had the right to payoff the mortgage up until 5 days before the sale XXXX and XXXX XXXX and XXXX did not send the Payoff until after the sale despite the request being made in XXXX giving them ample time to send the payoff. They effectively breached the contract. 

The County Supreme Court disregarded the blatant lack of jurisdiction did not request a traverse hearing despite proof XXXX XXXX was never served Rushmore XXXX XXXX and XXXX also have ignored this fact. They are now trying to evict me after breaking the law numerous times causing me emotional distress. They have broken numerous laws in the Frank Todd Act
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

I was billed XXXX on XX/XX/19 for an item from XXXX XXXX I later returned due to their error. XXXX initially did not have a record of my return so I disputed with my credit card - Chase Amazon Visa. Chase closed the dispute as XXXX stated they had no record of the return. Eventually I got XXXX to credit me ( payment was thru XXXX ). However, XXXX has no record of payment from XXXX although I have a detailed receipt. I re-activated my dispute from Chase providing them the receipt but they denied my dispute and have not given me a reason. I made multiple inquiries with XXXX, who said they can do nothing as Chase 's inquiry overrides theirs and in any event they have no record of the refund from XXXX at the date and time below or any other. The receipt, attached, indicated the refund to XXXX from XXXX was on XX/XX/19 at XXXX XXXX ( and 23 seconds as I learned after going to the store ), in the full amount, from store XXXX, XXXX XXXX, transaction XXXX and indicated a payment code of XXXX.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

There are two loans being reported on my credit profile with identical Account # s and one is being reported as a collection and derogatory. I have reached out to the Creditor reporting this information and as well as to Equifax who is reporting the inaccurate information. The Original Creditor responded that they no longer are the credit reporting furnisher after asking for validation on the debt. Letter will be attached. I dont see how Equifax or XXXX XXXX is reporting such if they claimed to have verified the account but the ORIGINAL Creditor does not furnish the account anymore nor have information on me for such account. 

Also the CHARGED OFF Derogatory account has ON TIME payment history dating XXXX of XXXX all the way through XXXX of XXXX. This is clearly INACCURATE information being reported and am aware this is a tatic to Re-Age accounts so they continue to report as such.
Consumer complaint received 2019-06-11
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. (ID)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX   XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX ;