davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
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 XXXX. 
XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( Experian ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX, account number XXXX. Credit report XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX [ If you have a lawyer, state that you have legal representation and provide that persons contact information ] As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (VA)

Your options for the problem do not provide the actual issue. Square Inc who owns Cash App has not be able to provide a PIN # FOR MONTHS. One of primary issues, is all the communications to and from is via email. This is not proper customer service and is unacceptable. At lease allow their agents to call the consumer back instead of sending an email. As the email may not answer and respond back that may take another 2-3 business days in addition to the original 2-3 business days originally. Therefore, this back and forth could take about 2-3 weeks. To get an answer to an issue is not the best customer service a business can provide. I have another issue with their verification service PLAID. I need manual intervention to help get my account set up but I no one has been able to help me.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Finance System of Green Bay, Inc. (TX)

On XX/XX/2018, I acquired through a company called XXXX XXXX XXXX XXXX 3 items for my house, a water filter, a water shower and an air filter ; I signed a contract with them that said I have 3 days to return the items. 

My bank information was given to them and I authorized them to proceed with automatic debits for the payment of these items. 

The problem is that within the 3 days of the contract, I didn't have any problems, but about a week later, the water that came out of the filter, had a bad tasting and smelling water. I called the company and they said I have to change the filter. I told them the filter is supposed to be brand new, I shouldn't have to change the filter yet. They told me to contact the manager but he was not present at the moment. 

With that experience, I didn't want to open the box that contained the second item, the air filter. I got a distrust feeling regarding this Company. 

I emailed the company, explaining to them my problem with the water filter and offering to return the items because I didn't want to keep paying a big amount of money for low quality items. They told me they can ' t take the items back and kept sending me the bill with the accrued interests. 

Now, my credit is affected due to this situation
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ralis Services Corporation (CA)

I rescind from my refinance and waiting for the full refund check ( {$1900.00} ) for my payment. It's been more than a month after I rescind and still not getting the refund. I tried to contact the mortgage company multiple times and most of times they don't respond. Their last response was they are collecting informations for my refund and this response was identical to the response I got three weeks ago. The officer never pickup the call or respond to email further so I'm filing the complaint to expedite my refund process.
Consumer complaint received 2020-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (OK)

Bank of the West is charging me overdraft fees on the XXXX for purchases that cleared on the XXXX. Also edited the order of some other charges to maximize overdraft fees but apparently thats legal. XXXX the consumer over however you can. Thats capitalism. Should have let the banks fail. Smh. Anyhow, thats my complaint.
Consumer complaint received 2020-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (TX)

Several times an account has been disputed, with the debt collector requesting, with letters proper debt verification on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, since I do not recognize that debt. 
The company has not provided supporting documents, to verify the debt bearing my signature, and documents that make me legally binding contractually. 
The company has failed to prove the debt, and also omitted to provide the methodology according to the Fair Credit Reporting Act, and other law. Just with unsupported letters to the CFPB in 2 complaints, and arguing the delivery of information for 6 months without even a simple proof of delivery. 
The Company failed again with the CFPB to provide support, for the debt verification, and binding documents bearing my signature, in addition to arguing that they have answered my requests this 6 months which is way above the law ordinance. Attached you will find the letters support.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

My wife and I contacted Fifth Third on XX/XX/XXXX to request a loan modification for two loans which were maturing due to a balloon payment. 
a. Primary mortgage of {$800000.00}, due XX/XX/XXXX b. Line of credit of {$110000.00}, due XX/XX/XXXX We were instructed on XX/XX/XXXX ( see attached copy of letter from Fifth Third Bank ) to begin paying {$5000.00} for the primary mortgage for three months ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as a trial opportunity to theoretically see if we could manage a loan modification. 

We were not clear on whether this modification included the line of credit and we called several times to receive further clarification. In the interim, we continued making our regular mortgage payment in the amount of {$5200.00} and line of credit payment in the amount of {$600.00}. On XX/XX/XXXX ( copy attached ), we received a letter from Fifth Third stating our trial plan payments were received and recorded as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. WE WERE NOT NOTIFIED THERE WAS A LATE PAYMENT NOR WAS THE PAYMENT REJECTED. 

The Mortgage Loan History Statement from Fifth Third reflects that we continued paying in excess of the full amount of the primary mortgage in the amount of {$5200.00} on XX/XX/XXXX and XX/XX/XXXX. We did not reduce our payment to the lower trial loan modification amount of {$5000.00} until the payment made on XX/XX/XXXX. 

Fifth Third bank recorded the XX/XX/XXXX payment as late because it was not the usual amount of {$5200.00}. The modification side of the bank instructed us to pay a modified trial amount of {$5000.00} which we did. We should not be penalized because the two different departments of the same bank are not reconciled. 

The loan modification documents, for the primary mortgage, were completed and executed on XX/XX/XXXX, prior to the due date of the primary mortgage balloon payment.

We paid off, in its entirety, the Line of Credit in the amount of {$110000.00} on XX/XX/XXXX, before the due date. 

We have ed in this home for fifteen years and have NEVER paid our mortgage late and at no time, during the process of the loan modification approval process, were we made aware that there was a late payment on our account. 

THIS INFORMATION IS INCORRECT AND HAS SEVERELY DAMAGED OUR ABILITY TO RE-FINANCE THIS MORTGAGE AND TAKE ADVANTAGE OF REDUCED INTEREST RATES.
Consumer complaint received 2020-10-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

Hello, It's currently XXXX XXXX  and I am up writing this complaint because I overwhelmed with the current situation with my mortgage company, M and T Bank. On XXXX, XXXX, I had a pipe that burst in my kitchen and caused water damage. I immediately had the pipes repaired and started the drying process. I submitted the claim to my insurance company and they released the check which arrived this week. When I contacted M and T Bank to get an address to mail the check, I was told that I have to wait for the approval process to release the check because my mortgage is delinquent. I mentioned that my mortgage is in forbearance because I lost my job due to the pandemic and that I don't believe it's considered delinquent. I was then told how the process would work and the money I have already paid to start the work, I'm welcome to send receipts and they will reimburse me. I was a single mom of XXXX daughters when I purchased my home. I supported my daughters through college and worked as a XXXX XXXX until my office closed due to XXXX. The home I purchased was almost in foreclosure and a lot of work when we moved in. I have invested more than XXXX into my home and have every intention to restore my home to the way it was. When you read about the insurance payment process online, they articles tell the homeowner to be kind, patient and polite to the lender if you want to get the funds released in a timely manner. We need our home restored and I have no intention to lose our home. I felt like the conversation was threatening and I was even told by an employee when I first called that I do not want to go down the road as if my loan was delinquent and have them micro manage the process. I have had my home for 5 years and have never defaulted on a payment. I am asking for help to get the funds released so I can complete the work and move forward with our lives. Once I go back to work, my plan is to refinance the home and the pay off the forbearance payment.. If you look at the website to submit a request for payment, the process will take months to complete and I believe I will be hararrased as we go along. I know they have an invested interest in the property and so I do. Are there any guidelines that can protect this process and ensure the work in my home will be completed efficiently? I live in California and the company in PA. They told me they have to find an adjuster to come by and review the progress. I am willing to upload pictures which should suffice or the adjuster can come upon completion, Do I have rights and if so, can I please be advised?
Consumer complaint received 2020-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Creditors Specialty Northwest, Inc. (OR)

They have called my work multiple times, XXXX XXXX ( or XXXX XXXX? ) With Creditors Specialty Northwest. I work for a government agency and told them they can not call here. Last month I submitted another complaint against them, because they called my cell phone 2 times in 10 minutes, and my work during that same 15 minutes. Just now at XXXX XXXX they called my work again, and my coworker answered. They called twice and my coworker told them it is absolutely not appropriate to be calling my work place.
Consumer complaint received 2020-10-09
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. (OH)

This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

XXXX XXXX XXXX  XXXX # XXXX
Consumer complaint received 2020-10-09
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. (OH)

This is not my account XXXX XXXX XXXX XXXX # XXXX, please delete or produce the original instrument of indebtedness, method of verification and validation of debt. Also, this account is reporting a payment as of XX/XX/XXXX, but account is stating it has been close since XXXX ... 

This is account has many errors on all three credit agencies, please remove
Consumer complaint received 2020-08-28
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. (FL)

XXXX XXXX was opened by someone else do to the XXXX  credit breach it found that it was opened do to the XXXX Credit Breach was deleted by XXXX
Consumer complaint received 2020-10-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On Sunday XX/XX/XXXX I logged into my online banking to process a transfer for XXXX so that I could use the funds for the purchase on my home. I made the transfer from one Capital One Bank account into another Capital One account. Once I completed the transfer I saw that my available balance grew by the transfer amount. I then initiated a wire for XXXX but upon hitting submit received an error message " we hit a snag ''. I didn't think anything of it because after hitting submit I was charged the wire fee of {$30.00}. On Monday the wire never went through, and now on Tuesday the Bank is telling me that although this was a Bank to Bank transfer because the accounts are on two different platforms, it will take 1 to 4 business days for the funds to show up on my account. However they already charged me the wire fee on XX/XX/XXXX and never sent the wire on XX/XX/XXXX, the next business day.
Consumer complaint received 2020-10-09
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-09
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. (AL)

Have informed for almost 11 months account with XXXX XXXX is not mine.XXXX  provided proof that the other 2 major credit bureaus has done investigations and determined identity theft provided police reports as well as identity theft reports to suffice and support claim, still no resolve was advised that would get info blocked should take XXXX hours still was never done. I call several times get representatives that hangs up transfers your call and tell you they are taking care of it and they dont. I have advised that next steps will be legal proceedings against the corporation.
Consumer complaint received 2021-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Consumer complaint received 2021-01-17
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)

XXXX I sent a ltter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point
Consumer complaint received 2021-01-17
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: CITIBANK, N.A. (NY)

In XX/XX/XXXX, I visited XXXX XXXX in XXXX, OH and was persuaded to become a member. A membership at XXXX costs {$99.00} per month and was told that as a member, I could visit a clinic each month to receive a chemical peel or microdermabrasion ( valued at {$99.00} ) in exchange the membership fee paid. I was very excited to take advantage of my membership and visit monthly to receive treatments. 
The XXXX XXXX XXXX ( WHO ) on XX/XX/XXXX, declared the novel coronavirus ( COVID-19 ) outbreak a global pandemic. Immediately following this declaration, XXXX was closed for months citing safety concerns amidst the pandemic. Due to the local and federal restrictions, they were forbidden to provide customers with the standard services they normally provide. To this day, they still are not providing the majority of services, as per their website. However, they were still charging members saying the members could bank the money as credits to be used later. I contacted XXXX last year and tried to work through my issues concerning not being able to be serviced by still paying. The supervisor and I went back and forth and no resolution was made. We had a few phone calls and they tried to get me to do expensive services that I didnt need. 
I then filed a despite with Citibank on XX/XX/XXXX hoping that they would assist. Citibank reached out to the merchant on XX/XX/XXXX and gave them 90 days to respond. The merchant responded to Citibank on XX/XX/XXXX with a general contract ( my actual name and signature were not present in the screenshot ) and the correspondence to the dispute was ripe with errors and falsifications of dates and facts. At one point, another customers name was even included. 
Further, once XXXX realized I filed a dispute with Citibank, they closed my member account meaning all of the supposedly banked credits ( {$99.00} per month x 8 months ) were wiped away. So not only is Citibank holding me responsible for these charges, the merchant already ended the contract. 
I do not feel Citibank protected me as a customer and executed a high-quality, high-equity investigation. Instead, the bank sided with the merchant after conducting a seemingly cursory review of the documents. I filed a claim saying yes, I signed up for a membership, but was not provided with services consistent with what the membership advertised. I was arguing that based on these terms, I deserved a full credit. Citibank took the merchants response of the customer ( me ) signed up for a membership and used that to deny my claim and hold me responsible for {$790.00}. I filed an appeal with Citi and they declined it and upheld the charges. I believe Ive been wronged by XXXX and now Citibank.
Consumer complaint received 2020-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have disputed several times to show that I paid off XXXX account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.
Consumer complaint received 2020-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I am writing this complaint in response to the delinquency reported to the credit bureaus on XX/XX/20. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ) ) I am requesting removal of this debt IMMEDIATELY. 

Please note, I spoke w/ a representative at your office on XX/XX/20 and a payment was made in the amount of {$200.00} therefore I do not owe anything. Please remove is ASAP as I will seek legal council due to this debt being incorrectly on my credit report.