davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC. (FL)

This is a personal credit card debt owed by my late husband in the amount of {$1900.00}. He was an XXXX XXXX XXXX veteran who was solely dependent on his XXXX XXXX. When he died on XXXX, XXXX, his XXXX benefit died with him. As his widow, I informed Suntrust of his death by phone and that my husband has no money to pay for it. I was told that I had to submit a copy of death certificate and have it faxed thru the local Suntrust Bank, which I complied sometime XX/XX/XXXX. Together with the death certificate was a copy of the document signed by the XXXX XXXX XXXX stating that my husband was not receiving any XXXX pension since he is only eligible for the health care program. After that I still received a SunTrust collection letter that I ignored since I was told by the SunTrust lady banker to ignore any more letters to collect since this is a personal debt involving only my husband and  that I already submitted the proper documentations. Then just this afternoon, XX/XX/XXXX, I got a collection letter from XXXX XXXX , XXXX addressed to the Estate of my husband which he does not have. I am very much bothered with this because I myself as his widow am struggling to survive and can barely pay my bills on time. A copy of my response to this collection will be provided to you by postal mail. So I need your physical address, pls.
Consumer complaint received 2024-10-26
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. (NJ)

See attached Documents In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX / XXXX - account number ending in XXXX and XXXX XXXX  account number ending in XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C. 1681 ( a ) ( 4 ), FCRA section 602 ( a ) States I have the right to privacy. 15 U.S.C. 1681b-a ( 2 ) ( 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, any other adverse item of information other than records of convictions of crimes, ( they may only report crimes not debts ) 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 the information is inaccurate. 
Please also see the Certified copy of the Department of the Treasury Division of Revenue Uniform Commercial Code Section SEARCH CERTIFICATE # XXXX SEARCH CRITERIA for XXXX XXXX, the Consumer, whereas the search results stated : " NO RECORDS FOUND ''. Please have RESPONDENT prove to Affiant and the CFPB that there is an actual debt and the fact that said alleged debt is owed by Affiant when the department of the Treasury States otherwise.

Resolution : Financial compensation in the amount of {$1000.00} USD per day since the inception and start of the negative reporting to current date and {$100000.00} for the fraud and deceptive practices that is ongoing and causing irreparable harm, stress, mental anguish and undue financial hardships for Affiant.

Please delete these accounts properlythank you!
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (TX)

Regarding Equifax  Bureau On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Equifax  has on file ; and on XX/XX/2021 I sent Equifax  a demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. It has been XXXX  days and still no conclusion to their investigation. 

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

Their failure to positively verify the accounts mentioned in my XX/XX/2021 XXXX notice has hurt my ability to obtain credit. Under the XXXX, unverifiable accounts must be removed.
Consumer complaint received 2019-03-19
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: CITIBANK, N.A. (CA)

I paid a contractor in XX/XX/XXXX for a deposit for remodeling. 
In XX/XX/XXXX the contractor sent me an email saying he wasn't going to complete the work and was filling bankruptcy. 
I contacted Citibank immediately and opened a dispute on the charge of approximately {$22000.00}. 
Over the next several months Citibank requested many items of information which I either faxed or emailed to them. 
In XX/XX/XXXX they stated they weren't going to be able to resolve my dispute because they didn't have my claim within 60 days of the last days I received services. This is not true. Being a remodel the contactor was working all the way to XX/XX/XXXX when I filed my claim. 
After not being able to get any assistance from Citibank by phone I opened a complaint with XXXX and I was contacted by XXXX XXXX at Citibank. XXXX worked on my dispute and the claim was supposed to go back to the merchants credit card company in XX/XX/XXXX/XX/XX/XXXX. 
I contacted XXXX XXXX in XX/XX/XXXX when I still hadn't heard anything. He then stated that MasterCard refused to send back my dispute for the original same reason of last days services were'nt received in time ( which is not true ). 
I opened up a complaint directly to MasterCard who instead of speaking with me sent my dispute back to Citibank who then called me once again with the same reason on why they can't help me. I have lost {$22000.00} despite giving Citibank and MasterCard all information requested within time frames requested and am not getting a resolution that I should have coming to me. 
The only fair resolution is I should receive a full refund for services not received. 
Citibank and MasterCard have all documentation sent to them by me and have been unwilling to resolve so I need you to step in and help on this.
Consumer complaint received 2019-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

On XX/XX/XXXX I wrote a letter to Americollect Inc stating that they are reporting on my credit report a debt that I do not owe. They sent me back a letter stating that the debt was mine with no evidence proving it was mine. The company stated they can't update my records reflecting that I do not owe this company.
Consumer complaint received 2017-11-03
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. (TX)

XXXX XXXX XXXX trade is fraudulent and illegal. I have asked numerous times for this to be removed! It reamins on my report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the fraud trade be removed.
Consumer complaint received 2021-11-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/19 I got rejected for a loan with Marcus  by Goldman Sachs Bank USA. One of the stated reasons is that there is a series delinquency on my report, however I have checked my credit report and there is no delinquent information. I'd like all parties involved to manually review my credit report and figure out the source of the issue.
Consumer complaint received 2023-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Per my Bank of America ( BofA ) mortgage statement, my payments in XX/XX/XXXX were for XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, my payment for XXXX XX/XX/XXXX was received and acknowledged. On XXXX XX/XX/XXXX, my payment for XXXX XX/XX/XXXX was received and acknowledged. On XXXX XX/XX/XXXX, my payment was acknowledged, but they claimed it was for XXXX XX/XX/XXXX again. On XXXX XXXX BofA assessed a late fee of XXXX for XXXX XX/XX/XXXX even though they had twice acknowledged the payment in my mortgage statements and checking statements. They are now demanding {$1800.00} and are listing me as slow when I am clearly 2 months ahead in payments. 

BofA in fall of XXXX changed my account number and then after 2 months notified me that they had not been paid and threatened foreclosure. I had to pay again and it took them 6 weeks to find my original payments. 

These predatory practices must be stopped and BofA has quite a history of doing this. I would appreciate any assistance your office can provide to rectify this and hold the guilty party responsible.
Consumer complaint received 2023-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (PA)

Dear PayPal Customer Service Team, I am writing to lodge a formal complaint regarding my inability to make payments using my PayPal account. I have been facing this issue for quite some time now, and despite my best efforts, the problem persists. I have given my account a rest for 24-48 hours, but it has not resolved the issue.

The problem, as I understand it, is related to security triggers that exist on my account. These triggers are preventing me from making payments, and I am unable to carry out even the simplest of transactions. I have attempted to contact your customer service team to resolve this issue, but to no avail. 

I understand that security is a critical concern for any financial transaction, but this situation is becoming increasingly frustrating. I have a significant amount of money in my account, and I need to make payments urgently. However, the current restrictions on my account are making it impossible for me to do so. 

I am hoping that you will take this matter seriously and resolve this issue at the earliest. I request you to thoroughly investigate the issue and remove the security triggers that are preventing me from making payments. I would also appreciate it if you could provide me with a timeline for resolving this issue, so I can plan my payments accordingly. 

As a valued customer, I expect PayPal to provide me with reliable and efficient service. I have been using PayPal for several years now, and I have always found it to be a reliable platform. However, the current situation is making me reconsider my options. I hope that you will take prompt action and restore my account to full functionality. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

I was lied to when applying for the credit card. I was told 0 percent apr but I continued receiving interest charges. I spoke to a supervisor and I was refunded for them and promised a 0 percent apr again but the interest charges started again. Another issue I had was that they locked my card before I hit their promotion offer of spending XXXX dollars. They made it incredibly difficult to verify my account by asking me to mail back a security letter with my social security number. By the time I was able to do it the promotion had expired and I did not receive the promotional offer. I've already lost my patience after this last interest charges ( XXXX and XXXX ) but they would only refund one month. I dont intend to pay one cent of something I did not agree to.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-11-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (FL)

My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (CA)

I received a Letter from Gurstel Law Firm early XXXX who at the time was representing an creditor by the name of XXXX XXXX XXXX, XXXX and in the letter that they sent me was an enclosed annual copy of their client 's privacy Notice. Several months later I recieved another letter from XXXX XXXX XXXX whom then proceed to let me know that their records reflect a lawsuit that was recently served in the above matter and to please contact their office to work towards an amicable resolution. I was baffled by this because for one I have never been served with an summons ever and for two when I tried to call the number that was given on the form the phone number was not working XXXX. I ended up calling the number that was displayed on the right hand corner. I had spoke to a representative by the name of XXXX who stated really nothing but a payment plan as I couldnt talk to anyone else in regards of this. This has been a nightmare as I have spent countless hours, spent money on lawyers as well as credit repair agencies and no help. While I was the one of many whom was a victim of data breach where my social security and driver license was fraudulently used back as early as XXXX til this year of XXXX ; as was told from my bank and I have several texts from the banks that I have closed for several years of people phishing. They are claiming that I owe {$10000.00} which I dont.
Consumer complaint received 2024-12-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (MD)

I am writing to address an ongoing issue with my M & T Bank account. Despite having set up my account to decline any debit card transactions that would result in an overdraft fee, I have been charged multiple overdraft fees. 

Specifically, I was charged thirteen overdraft fees of {$15.00}, resulting in {$190.00} in overdraft fees. I have requested a refund for these fees, but the issue remains unresolved. I have called several times to request that M & T Bank correct this error, and I would appreciate prompt assistance in resolving this matter.
Consumer complaint received 2019-03-19
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. (MO)

These accounts should not be reporting on my file nor have they been physically verified as stated within the FCRA language. I have made many attempts to set my self free from these unauthorized accounts but instead the following credit agencies resolve is always a statement claiming accounts verified, but never recieved any physical documentation of such. I've requested the Method of Verification for the  investigation into the accounts but haven't received any documentation whatsoever. If the credit agencies can not permanently resolve this issue I will file suit and/ or with the FTC . You and your companies totally ignored Section 609, and section 611. If the credit reporting agencies can not send me their Method of Verification and/ or provide me with physical documentation/ contracts then I'm demanding that the following credit agencies, Equifax and XXXX block these accounts immediately and permanently, ( # 1 ) XXXX XXXX {$0.00}, ( # 2 ) XXXX XXXX XXXX {$390.00}, ( # 3 ) XXXX XXXX XXXX {$130.00}, ( # 4 ) XXXX XXXX XXXX {$1000.00}, ( # 5 )  XXXX XXXX , ( # 6 ) XXXX XXXX XXXX {$920.00}
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.