davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
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: SYNCHRONY FINANCIAL (AL)

My wife states she did visit a website called XXXX. She states she did click the free 7 day trial membership. But, before even leaving the website - she informed me that she tried many times to terminate the free trial. As I have stated to Sam 's Club, XXXX is a foreign website that has big security problems. Both XXXX XXXX browser and XXXX XXXX stop and warn that, " Attackers might be trying to steal your information from XXXX. '' So contacting them is almost impossible - unless you want an even bigger problem! 
Basically, XXXX has successfully charged our Sam 's Club MasterCard twice. Currently, Sam 's Club has authorized a provisional credit for both charges of {$34.00} for the months of XXXX and XXXX. In conclusion, upon seeing the first charge of {$34.00} - I contacted Synchrony Bank on XX/XX/XXXX and filed a dispute. XXXX  submitted another charge on XX/XX/XXXX. and I tried contacting Sam 's Club customer service again - only to be connected to a bad experience from abroad customer service. I did get US support the following business day and hopefully problem is at least stopped from further charges.
Consumer complaint received 2021-05-18
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. (MN)

On XX/XX/XXXX, I ordered an item from Best Buy using my Best Buy branded Citibank Visa Credit Card and was charged {$320.00}. On XX/XX/XXXX, I cancelled that order without picking up the item from Best Buy and my card was refunded {$320.00} for the cancellation. On XX/XX/XXXX my card was charged again for {$320.00} by Best Buy and I did not make an order for anything at that time. 

I tried to work with Best Buy to figure out what happened, why my card was charged again, etc ... I had many phone calls into the Best Buy call center, several manager escalations with no one returning my calls. I ultimately contacted Citibank on XX/XX/XXXX to dispute the charge ( Case XXXX ) as I had not received the item therefore I shouldn't be paying for it. Citibank eventually closed my dispute in early XXXX and denied it because they received a screenshot from a Best Buy ticketing system that said the order was charged again because the item was picked up before the order was cancelled. This was a note in a ticketing system and not any sort of proof that I had actually received the item, it could have literally said anything. I reached out to Citibank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally on XX/XX/XXXX to try and explain to the chargeback department what happened, why I can't prove that I didn't do something, all of my attempts to correct the issue with Best Buy, etc ... They said they would resubmit the chargeback, which I found out was summarily denied on XX/XX/XXXX and said there isn't anything they can do and I should go to the store and see if they can help me. 

Citibank and Best Buy are asking be to prove a negative, that I didn't do something. They are also claiming that I picked up the item with out a Best Buy employee, pulling up the order and processing it. If you have ever done an order pickup at Best Buy, you would know that isn't at all possible, the first thing they do is pull up the order on their computer in order to find the item. I am in a situation where Citibank is holding me liable for a Best Buy inventory mistake and that is fundamentally unfair.
Consumer complaint received 2021-05-17
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. (IL)

I have been harmed by equifax, XXXX and XXXX. they have kept on item on my report that are older than 7 years and have allowed others to gain access to my ssn and records that i am authorized representative and sole beneficiary.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021. My XXXX  credit report was pulled a couple of times suspiciously. I did not give consent whatsoever. I have already called, emailed, and disputed through mail with XXXX, and the specific companies. ( creditors ) However, no actions have been taken. All I ask for is accountability. Just for the Hard Inquiries to be removed. The companies that pulled my credit are Creditor : XXXX XXXX XXXX, Capital One Auto Finance, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CO)

This complaint was originally filed and closed prematurely. The original complaint number XXXX was closed even though the complaint was not resolved. Originally, Sun Trust ( now Truist ), said it would take them 30 days to process the payoff of my home loan, then they said 45 days, then they said the 60 days, last contact with them they said 90 days for Colorado to process the lien release. It has now been 90 days, I have not received any information that the lien release has been completed either from Sun Trust nor the state of Colorado. All of the payoff information was provided in the previous complaint.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (PA)

Im a retired operating engineer and a lifelong resident of the area. Im also an XXXX veteran, and I feel Im being mistreated by my loan servicer TD Bank. I have pension and Social Security incomes and I believe my income is more than enough to afford a reasonable monthly payment. 

Ive been trying to resolve this issue of default with TD Bank for over 8 years after inheriting the property from my deceased sister. On multiple occasions I thought the problem had been solved by a loan modification. However, TD Banks modifications have been deceitful and dishonest ( fraud? ) each time. As soon as I sign the loan agreement and TD Bank finalizes the modification, they send me a mortgage statement which shows the new terms ALONG WITH AN OUTSTANDING BALANCE!! Whats the point of having a loan agreement thats signed and notarized if TD Bank will immediately contradict it by claiming there is still an outstanding balance and the payment is almost a {$1000.00} more per month because of it?
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I was over paid SSA benefits and my wages have been garnished for a year and 5months. 
Debt amount was XXXX. SSA has taken approximately XXXX from my wages. Unfortunately Experian is reporting the balance as XXXX which is not correct. I have filed a complaint with Experian, have not gotten anywhere. I have been calling SSA daily and am told they are unable to help me.

An agent at SSA thought payments were sitting at payment center and not being processed. 
I am out XXXX dollars from my paycheck and still being reported as nonpayment and a collection. Please help I am not sure how to get situation resolved. Thank you
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (FL)

Back in XXXX of 2020 I reached out to Simple/BBVA to dispute a total of {$15000.00} from XXXX. I have tried and exhausted every Avenue to recover these funds and have had no success. Simple was not helpful and would not properly file my dispute. They were impossible to reach via phone or via in app support and eventually told me that these funds would not be returned. The disputes, again, were never properly filed, the bank eventually closed their doors and is now owned by BBVA. I am attempting for the current account holder to salvage the failure of simple and return the funds to me.
Consumer complaint received 2021-05-18
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. (SC)

Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CO)

I had a debt in the amount of {$280.00} on my credit report from convergent outsourcing originating from XXXX. When I moved into my new place in XXXX I called XXXX to setup service and they informed me I had this debt and needed to take care of it. We settled for {$180.00} and they informed me the debt was satisfied and they wouldnt report it on my credit anymore. It is still being reported as of now, XX/XX/2021, after repeated calls to both companies.
Consumer complaint received 2021-05-18
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. (PA)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

Today XX/XX/2021 at Approximately XXXX I called my banking institution US BANK Regarding my XXXX dispute for an authorized debit of {$1100.00} ; which XXXX manager miss XXXX XXXX fraudulently went behind my back to take out, while I have made weekly payments. Instead of my banking institution permanently reversing the action. I was told by manager XXXX that letters were sent out to me for additional information. Information that was already provided upon filing my claim with US Bank. I am so happy that all calls are recorded for quality purposes. 
I was told because I gave XXXX my card number for the transaction amount of {$200.00} as well as other amounts. That they charge my card for an unauthorized amount of {$1100.00} isnt fraudulent. 
I then asked Miss XXXX a supervisor for US Bank, If it is OK to authorize a transaction for one agreed amount, then the merchant takes it upon themselves to authorize a second amount, which was not communicated prior to said in authorize transaction? 
Miss XXXX was preparing to hang the phone up on me, instead of answer my question.
Consumer complaint received 2021-05-18
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: EQUIFAX, INC. (LA)

This is regarding XXXX, XXXX, XX/XX/2021. I have paid my mortgage payment every month in a timely manner. My monthly payment went up by {$60.00} due to increase in homeowners insurance. When I found out my homeowners insurance went up, I changed companies. I have a copy of all my payments made on time. They're actually paid automatically through a bi-weekly payment program that I have enrolled in to pay my mortgage off early. The mortgage company applied my payments to principal instead of my monthly note and reported me to the credit bureau for being 30 days late. If they had put my payment in unapplied funds like they've done previously, the next payment would have corrected the shortage within the 30 day grace period. My payments were made. If they had not applied the payment towards principal, I wouldn't be in this situation. All I'm asking the company to do is apply the payments made like I have requested, the problem of resolve itself. The supervisor that I spoke with confirmed herself that I have made my payments in a timely manner. The problem is they wanted me to make an additional payment, which I eventually did just until the problem could be fixed on their end. I reported this to Equifax and they closed the case within 24 hours without even looking into the problem. I am attaching a copy of the report from the company that makes my payments automatically for me.
Consumer complaint received 2021-05-17
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: LoanCare, LLC (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

for 20 years this company transunion will not give me my credit report or score and I have wrote them over 100 times I have done everything in my power and this company keeps reporting XXXX and false information I have asked them numerous times to many times to count to prove these medical bills are mine and they just ignore me .I am to the point of legal action and everything I goto get my credit report or score they refuse now with the pandemic they showed me the report but will not allow me to dispute the XXXX they have of another medical bill so I have had to write them and call them again after asking for proof they ignore me I have had government health insurance for over 20 years that pays everything so again these are made up false accounts they need to Stop reporting false information I am so tired of these big company 's being able to ruin your life over false information I want you to show me my signature on this account that I gave permission for services? and go by the fair credit reporting act stop reporting false information
Consumer complaint received 2021-05-13
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. (GA)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (IL)

XX/XX/2020 Returned check reversal - long form {$2400.00} Mortgage Company Error that took our payments messed up our payment schedules Check was returned for no good reason. 
This took our account out of balance, Since then we were charged with XXXX additional late fees because we thought we were ahead of schedule. 

Contacted bank several times spent hours trying to get through in which we were disconnected several times after asking to speak to a supervisor because they would only waive one fee that still hasn't been waived after they agreed to waving it. 

Asked them for the amount need to remove the PMI from our mortgage but they could not answer that question. We finally got a letter stating that I am not eligible to have the PMI waived. Says we were over 30 - 60 days late on payments which was not true. This was all stemming from the account error returned check back in XXXX less than 1 month after I closed on my new home.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I do not dispute the debt. I have told all creditors multiple times that I have been out of work since late XXXX. I have exhausted all potential job possibilities and I am awaiting Social Security benefits to begin XX/XX/XXXX. Continued daily calls serve no purpose and I formally requested a cease and desist on or around XXXX of XXXX. The month of XXXX the calls started coming daily again. Monday, XX/XX/XXXX, I again formally requested a cease and desist. Once again the calls started this morning, XX/XX/XXXX. I call the creditor, Pentagon Federal Credit Union to remedy the situation. After voicing my concern to the representative, I was placed on hold. After approximately five minuets the call disconnected. 

I am exercising protection provided by the FDCPA.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

Company : Discover The company convinced me to " go paperless '' and receive all statements electronically, but they do not keep statements or any account activity beyond 7 years. I am in a legal situation where I require a statement from XXXX 2013, and Discover has refused to comply and insist that they have no means of providing this historical statement or proof of account activity.
Consumer complaint received 2021-05-18
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: Lending Club Corp (TX)

We were in the process of refinancing our home and current creditor ( XXXX XXXX  ) let us know their was a current loan affecting available refinance rates. Loan was from Lending  Club Bank in the amount of $ XXXX. I do not have any outstanding loans currently and thats how i found out i have an unauthorized loan under my name. I contacted Lending Club Bank and was able to obtain the following information regarding this unauthorized loan. Name for Loan : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Amount : {$36000.00} ( they have paid $ XXXX of the loan and the outstanding balance is $ XXXX ). 
Account # : XXXX. {$1100.00} Monthly payment i want to go about all the channels available to us to make sure we report this fraud and have it removed from my account. Thank You.
Consumer complaint received 2021-05-18
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. (CO)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, XXXX XXXX Account number XXXX Date opened XX/XX/2019 Please mark each account as being disputed The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: N26 Inc. (KY)

Hello I tried to log in in my checking account from N26 Bank yesterday and it didnt let me. I called a costumer rep and the notified me that my checking account was closed without any information and that I would get contacted by N26 due to this matter. I also notified them that a direct deposit would come in in my account between today and Wednesday in the amount of XXXX XXXX I contacted the sender but unfortunately it was allready sent to my closed bank account. I wrote them several emails regarding this matter but didnt get any response. Prior to closing my account I never was notified by either email or phone. I hope this issue gets resolved ASAP and my direct deposit bounced back to the issuer. XXXX ID : XXXX Use this transaction ID to check against your bank statement. 

Processed Date : Mon XX/XX/2021 XXXX XXXX ( XXXX  XXXX XXXX XXXX This payment refers to the following redemption request : Reference number : XXXX XXXX