davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I monitor my credit report through Equifax. I received an alert that there was a collection account added to my report. The company 's name is XXXX XXXX XXXX showing an account # of XXXX IN THE AMOUNT OF {$13.00} stating that the debt came from XXXX XXXX XXXX. I have never heard of the company XXXX XXXX XXXX. I am unaware of this company, the amount, the debt and it's origin therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I do no recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that Equifax AND EQUIFAX and XXXX XXXX XXXX provide a copy of my signature with the provider of service to release information to them. I demand that EQUIFAX and XXXX XXXX XXXX DELETE credit reporting from my file until this debt is validated by me. Any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. Please delete this collection account from my Equifax file.
Consumer complaint received 2021-01-29
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. (FL)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3600.00}, {$730.00}, {$750.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/2016 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$3600.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$730.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$750.00} -This is not my account.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

A {$75.00} annual fee was paid for XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my account.
Consumer complaint received 2021-01-29
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: Fleet Financial, Inc. (SC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, XXXXXXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX/ILENDINGDIRECT/IFLEE add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OR)

I am enrolled in the PSLF program. I ended employment with XXXX XXXX, a nonprofit in XXXX ) on XXXX/XXXX/2018 and used the weekend to move to Oregon where I began employment with the State of Oregon on XXXX/2018. MyFedLoan is telling me that since my auto payment was made on XXXX/XXXX/2018 I technically was not employed by either organization and my payment will not count towards PSLF.
Consumer complaint received 2021-01-28
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. (AL)

I was charged for XXXX  equipment rental. However, the equipment was not mine. XXXX  did not verify the equipment or billing and submitted this information to the debt collection agency. 

I was charged {$490.00} for equipment that I never received at an address I never lived at. XXXX XXXX XXXX ) XXXX  submitted this to XXXX XXXX XXXX and reported this delinquent on my credit report. 

I paid the debt XXXX XX/XX/XXXX XXXX to get this removed but I am due a refund and for this to be removed from my credit report immediately.
Consumer complaint received 2021-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

Filled with Coinbase : Case XXXX XX/XX/XXXX restricted from Buy/Sell and Send/Receive Case XXXX buy/trades restricted XX/XX/XXXX Case XXXX ( XX/XX/XXXX XXXX uploaded ID and picture with ( For Coinbase Trading XX/XX/XXXX ) for verification ID was approved, but am still restricted ( XX/XX/XXXX XXXX Case XXXX contact us from XXXX, and we can submit your account for a review at that time. I did contact for a review. 
Case XXXX followed your instructions for 2 step auth it does enable ( XX/XX/XXXX XXXX but still restricted from Buy/Sell and Send/Receive Received email XX/XX/XXXX that XXXX was passing information to an account specialist my take 4-5 business days XX/XX/XXXX sent email to XXXX and XXXX that it had been 5 days now and I did not get a response. I did not receive a response XX/XX/XXXX sent another email and placed another complaint on Coinbase through contact help coinbase.com that it has now been 17 days and nothing has been resolved This is all unacceptable! I want access to my money.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

On XX/XX/2020 I opened a checking account with HSBC under the terms that I would be receiving a {$220.00} bonus for opening the account and thereafter depositing {$500.00} a month to the account through direct deposit for 3 consecutive months. After meeting the criteria and not receiving the bonus I called the customer service line. I called this line on 7 separate occasions, 6 of which I was promised by the employee that my bonus money would be deposited shortly. On the 7th call, they decide to remit that payment promise and inform me that I no longer am eligible for the bonus. They wasted hours upon hours of my life with their lies and still refuse to pay out the bonus. The incompetence of this bank is absolutely astounding.
Consumer complaint received 2021-01-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI (LA)

General Revenue Corporation XXXX left a message on our home phone voicemail stating that they are a collection agency for student loans for our son. Leaving a different telephone number XXXX to call them back with a identification number. My son called them back and they gave him a collection amount of {$8000.00} he owed on student loans. Which this amount is incorrect. They told him that to pay off right away the amount is {$6800.00} or the other option would be a down payment of {$1000.00} with monthly payments of {$200.00} a month.They also mailed a letter with a demand of payment that was suspicious. The method of payment was for a credit card or debit card only. We did some research on the internet about this company and their webpage was very suspicious. We checked the student aid website to confirm that Subsidized and Unsubsidized Direct Loans are protected by the Cares Act. Private loans like Perkins Loans and FFEL-Federal Family Education Loan are not protected by the Cares Act. Login into your federal student loan account and check the status first. Then he contacted federal student aid XXXX to check on his account to make sure that the same loan servicer that manages his account was still in effect. After that he called his Loan Servicer company which confirmed also that his student loan payments is still deferred under the Cares Act. That deferred status has been extended to XX/XX/2021 by the Cares Act, and his account has never been turned over to collection. Never give these people any personal information. Always check on your own student loans accounts yourself first by logging into your account. Then call federal student aid at XXXX for additional help and questions about your loan status. Do not call these people back. If there is a problem with your loan find out from federal student aid who your loan service company is and how to contact them first. Then follow their instruction. If your loan service company changes you will be notified in writing who the new company is. The new company will contact you in writing with all the contact information and explaining that they are your new loan servicer. Check your credit report, it will contain all your student loan accounts and the name of your loan servicer, address and telephone number.This telephone call is a student loan scam.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

My account at Bank of America / Merrill Lynch will not allow for trading of XXXX and XXXX stock. By only allowing selling of the securities they are purposely driving down the price and manipulating the market.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (DC)

Dear Representative, Greetings, Reference : XXXX  XXXX Closing XXXX, Routing number XXXX I do apologize for my late request. I lost my Mother and was out of the Country for a couple of months, and due to the impact now, I am recovering from this loss. 

We opened a business account for our Non-Profit Organization called " XXXX XXXX '' on XX/XX/year>. We were excited to work on fundraising activities primarily among friends, and then our goal was to expand. Unfortunately, on XX/XX/year>, we were stunned to receive notice of the closure of Truist Account # XXXX ( Case N. XXXX ) from Centralized Fraud XXXX Truist XXXX XXXX XXXX XXXX 

Unexplained, we were unaware of the reason for the account being closed. My due diligence was starting to call the XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX ; fax ( XXXX ) XXXX. He was on leave and would return the week after. So, we waited. Once, at the XXXX, XXXX tried to e-mail the XXXX XXXX overseeing the closing issue and asked to give him a minimum of XXXX Weeks. Another week later, we were forced to withdraw the money due to the harsh imposed conditions and without chances for appeal. I rearranged another phone call with the representative of the Fraud Department, where I asked them to explain the reason for the closing of this account. I was told the Bank reserves the right to deny any explanation. Later on, we found that a lady named XXXX contributed to our Organization a Check amount of {$100.00} from Her personal checking account, which came to be closed without her knowing it was closed. We had no idea what grounds we were forced to go without the account. The implication makes it cold, choking water into our Organization 's finances up today. We received a donation from our friend, and she presumably confused herself and got an old check handled to us ; we did not know after we collected other checks, we deposited them into Truist Bank in DC. For your information, my wife and I have been customers of BB & T for more than two decades and have NEVER HAD ANY FRAUD ACTIVITY WITHIN OUR ACCOUNTS. Now with Truist Bank we become marginals? This is an untruth that is hard to bear with.
Consumer complaint received 2021-01-28
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: EQUIFAX, INC. (NY)

I am having a monumental problem with XXXX and my credit reporting agency. When XXXX and Equifax agencies report to XXXX, they are sending in reports that indicate that my FICO score is under XXXX. I have never had a FICO score of XXXX or less. I do not understand why I am having so many problems with the credit agencies and XXXX. 

The credit bureau tells me that it's not their fault and XXXX XXXX tells me it's not their fault in the meantime no one is willing to assist me. 

XXXX tells me that you are consistently sending the same information to them, indicating that my credit score is deficient and high risk. WHY? I get conflicting information whenever I speak to a representative at XXXX  & Equifax. 

I am disputing the information they are forwarding to XXXX. I dont know how to correct the mistake Of the credit bureaus as well as XXXX records. A XXXX credit specialist advised me to contact the Credit Bureaus and have you send them the updated information. I have been disputing this information since XXXX of 2020 and still have no resolution to the problem. 

I am a XXXX XXXX and being unjustly punished. I keep getting the run around from the credit bureaus and XXXX XXXX.
Consumer complaint received 2021-01-28
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. (CA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MN)

As of XX/XX/2021, I have not received my monthly mortgage bill statement. My payments are due on the 1st of the month. In addition, I have not yet received my tax form from my mortgage servicer. I assumed it had been lost in the mail, so I called the company today to find out what was going on. It turns out that they sent out the monthly invoice and tax statement on XX/XX/2021. That is 5 days before the due date - 4 business days before the due date of the payment. That's not enough time to get the statement in the mail from them, much less enough time to send payment in in response. If I had done such a thing, I would be subject to all kinds of late fees and interest. This is unacceptable behavior and a failure to perform their duties as a loan servicer. They are trying to set people up not to make timely loan payments. This is an unfair and deceptive practice.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters is reporting inconsistent and inaccurate information on my credit reports which is greatly affecting my credit score and is in violation {$1000.00} per violation with the FCRA. Ive disputed this account before and yet this account continues to report the inaccurate information. For example it reports the Date Of Last Activity for XXXX  is XX/XX/XXXX while for XXXX  reports XXXX/XXXX/XXXX. This is a violation of the FCRA by this account has be ILLEGALLY re aged the account showed closed back in XXXX and thats supposed to be the last active date. This account also shows that its closed but yet with XXXX  also shows late 120 days. This is another violation by an account that is close ended can not be late unlike open ended credit card accounts per the FCRA. Ive disputed this account before with XXXX  back in XXXX of XXXX but yet on the report it did not update the date reported which shows XX/XX/XXXX which is a violation of the FCRA by its suppose to update the account status each time its disputed. XXXX  shows the last payment was XX/XX/XXXX and XXXX  shows XX/XX/XXXX. If all the credit bureaus are getting their information from the same company how is it that theyre reporting different information. XXXX  as well has inaccurate and inconsistent information which will be attached
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (TX)

Two payments were made to Stearns in XXXX for my mortgage and only received credit for one payment. One was made on XX/XX/20 and the other on XX/XX/20 ( each for {$3300.00} ). Stearns does not answer the phone and I have submitted on line 3 requests to credit my account. I have submitted to them bank statements ( showing the electronic payment ), Electronic ID 's of payments, Electronic confirmations from my bank. I don't know what else to do to get them to respond. Any help would be appreciated.
Consumer complaint received 2021-01-29
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: Experian Information Solutions Inc. (MI)

About 5 days AFTER i closed a credit card account for fear of fraud XXXX XXXX  actually allowed 2 transactions in the amounts of {$1100.00} & {$630.00}, both from XXXX. I disputed these, have heard nothing back, tried calling the person handling the case, left a message on XX/XX/XXXX. As of XX/XX/XXXX, still no response. However, when XXXX XXXX reported to the credit bureaus they reported no history, no balance and no credit limit, when in fact I did have a small balance around {$120.00}. They knowingly reported inaccurate information. WHY? 

Further, overcharges, charges a fee of {$10.00} to make a payment to the card and has a scheme forcing card holders to pay {$10.00} just to make a payment over the phone using a debit card and have it credited immediately, otherwise all payments are held for 7 business days. We all know it NEVER takes 7 business days for a payment to process. 

However, for a card holder who wants access to their available credit the next day they must pay by debit card and pay a fee of {$10.00}. Oh and none of this is explained in the agreement while applying for their card. Incredibly greedy and unscrupulous, XXXX XXXX  wants to charge a card holder to pay them. The worst loan sharks dont charge to pay them, seriously! 

Congress and Politicians wonder why Americans are so XXXX XXXX these days, the far right trying to take over the Capitol Building and the far left trying to destroy Hedge Funds. People are sick and tired of Government and Corporations abuse, thats what is truly happening and it is going to get worse unless the XXXX lawmakers who work for the people start actually freaking working for the people. Yes, I am posting this on the XXXX  feed and with those XXXX XXXX supporters. Exposure is the best way to end the abuse. 

To reiterate my primary issue is ; XXXX XXXX  for reasons unknown to me reported that I have no credit limit, no balance or history to the credit bureaus. They deliberately reported inaccurate information for the sole purpose to harm me and their CEO XXXX XXXX XXXX XXXX approved this policy as a way to retaliate against card holders who file a complaint. 
WE all know corporations retaliate, correct?
Consumer complaint received 2021-01-28
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: EQUIFAX, INC. (WY)

Tried to get my credit reports today via annualcreditreport. The XXXX  and XXXX XXXX had no problem verifying my identity and giving me my online report. Equifax gave me four nonsense questions that didnt pertain to me for verification. I answered does not apply. Equifax proceeds to tell me I cant get my report because my info is incorrect. Cant back out of the page only option is to close web browser. Tells me I have to send in documents like rent payments and social security card which I am not going to do. I looked it up online and hundreds if not thousand of people have had this exact problem with specifically equifax in the specific sequence I just laid out. How is this company allowed to operate still when theyve been doing these tactics for over five years now according to my search.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (SC)

Since XX/XX/XXXX Ive been asking for a. Escrow analysis as Im a resident of South Carolina and have been way overpaying my escrow. Ive called the company at least 10 times and have been lied to and mislead that it was being taken care of it and as of XX/XX/XXXX no analysis has been done and they are holding over {$2000.00} of my money and Im still overpaying my mortgage. They in my estimate are committing fraud!!!!