davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (OR)

I originally called for the first time in the beginning of XXXX of XXXX. I don't have the exact date that I called but it was around the XXXX. The lady on the phone immediately asked for my credit card information. I then explained that I called to let them know that I just realized this was on my credit report and intend to pay when I get my tax return. I think it was XXXX who I spoke to and everything went well. 

I then called XX/XX/XXXX and asked for more information on the debt. The lady on the phone told me that she couldn't send me any information and that I would have to call my insurance. I told her that I would do so and give them a call back. 

I then called the debt agency back to let them know that I am now waiting for the itemized bill or validation of the bill. As I was talking the lady on the phone she asked my first and last name, when I responded, she told me that I had " too many letters ''. She then asked what my account number was and I told her I didn't know and if she could please give that info to me. 

I think this is when she started getting angry because she said my account number incredibly fast. I asked her to repeat the number and she instead kept asking me for my credit card information. I told them that I intend on paying them when I get the itemized bill and more information on how much/what I owe. She then kept interrupting me and stated " I'm going to chart that you have no intentions of paying this back ''. I kept trying to correct her and told her that I do intend on paying I just need to validate my debt. She started yelling at this point and kept saying over and over " I'm charting that you are not going to pay, we are going to further pursue this and your debt. '' I kept repeating " I do intend to pay I need an itemized bill or proof/validation of this bill. '' She also told me that they contacted me in XXXX which wouldn't have been possible, and when I corrected her she told me she " meant XX/XX/XXXX ''. She also gave me a different amount of debt from what the first lady told me and I had to correct her on that as well. The phone call eventually ended, and I managed to be respectful as I know it must be hard to be a debt collector but it was pretty upsetting and disrespectful to be talked to this way. 

When the call ended I called the agency back about 5 minutes later hoping that I would get a different person to talk to. I called back 2 times and I got no answer or a voicemail.

The 3rd time I called ( after speaking to the last lady ) I got someone else to talk to and told her that I just wanted to confirm that I was waiting for an itemized bill. She said that she would chart it, and then hung up. 

I feel that it is my legal right to have validation of this debt before making any decisions.
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (OK)

I received a voicemail yesterday, XX/XX/XXXX from XXXX XXXXXXXX XXXX saying Chase is trying to summon me to civil court for a debt thats passed the statue of limitations. I recently opened a case with Chase XX/XX/2023 and they stated there should be no legal action against me. That case number is XXXX. The person that reached out to me is XXXX at XXXX XXXXXXXX XXXX, Phone # XXXX.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 that the information is inaccurate.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I submitted a payment, via my checking account, to my credit card on XX/XX/23 to pay the full balance of my credit card. The payment was accepted by the credit card company and has been paid by my bank since XX/XX/23. The payment is reflected in my credit card account but my available credit is at {$0.00}. When I call the credit company, I was told that there is a hold on the available balance until XX/XX/23. This has been an ongoing issue with this account for several months. I have made several complaints and have even done 3-way calls between the credit card company, myself and my bank in order to have the balance released before the hold period is up.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MO)

I have been contacted by MCM multiple times from DIFFERENT phone numbers. They will leave voicemails with vague information about calling them back but with no info on why they are calling, etc. Its clearly coming from a loud call center. I have blocked the numbers but they keep coming back with new ones. 

My XXXX call filter adds the name of the company unknown numbers come from and every time it says MCM. 

The voicemail that is left does not refer to me by name is always a version of : Hey this is NAME from MCM. Please contact me at XXXX. Thank you. This is a verbatim transcript of the recent call which shows up as coming from XXXX. Another came from XXXX, then XXXX, XXXX
Consumer complaint received 2019-11-12
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: SUNTRUST BANKS, INC. (GA)

XXXX offered to refund my shipping fee purchasing a textbook online, XXXX XXXX, if I joined their free membership and entered the tracking number upon receiving the book. Book was delivered over a week later and I went to enter the tracking number but saw I had to pay a monthly fee to qualify for refund. I did not subscribe and absorbed the fee. But there were two charges from XXXX on my Sun Trust credit card statement ( XXXX XXXX XX/XX/XXXX ) a {$2.00} on XXXX XXXX posted XXXX XXXX and {$13.00} on XXXX XXXX posted XXXX XXXX. 

I told Sun Trust credit card XXXX XXXX, when I received XXXX statement, what had happened and disputed the charges. Sun Trust FRAUD ASSISTANCE CENTER emailed me XXXX XXXX denying my dispute because I had not canceled membership within the agreed time frame per terms and conditions, and I was responsible for the transactions and any applicable fees/ finance charges. Email is attached. 

I called on XXXX XXXX at XXXX XXXX, XXXX said Sun Trust credit card had denied the dispute because the cancellation was after transaction was processed, 24 hours after charges were filed. I said the transaction was for a book that I did receive, I had disputed the unauthorized charges from XXXX, not the book seller. 

I called again on XXXX XXXX at XXXX XXXX XXXX XXXX said they denied my case # XXXX on XXXX XXXX, because I had not canceled within the agreed time frame. I said I had to wait for book to arrive, more than a week after the date of transaction, to send its tracking number to freeshipping.com, and disputed unauthorized charges of XXXX, based on misleading advertisement. What had the FRAUD ASSICTANCE CENTER investigated? XXXX said she was going to file escalation to re-investigate and investigators would contact me for detail information in 3 business days. I asked why they had not asked before, how they concluded without hearing the customers side. I was filing a complaint against Sun Trust with the FTC. 

I called again at XXXX XXXX to clarify whose time frame the investigators had based their decision on. XXXX said it was Sun Trust time frame, and time frame was 3 days before charge went through. I asked how in the world can a customer dispute a charge 3 days before it happens? Who had accesses to that part of agreement? She did not know. 

While It is hard to say who is a bigger scammer XXXX or Sun Trust? It is obvious Sun Trust relies on its legal department to take advantage of consumers.
Consumer complaint received 2024-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Winklevoss Exchange LLC (MD)

There is no law or rule barring my account from being unlocked while I am not present in the US. I have provided Gemini with all of my original documents and all additional documents that they have asked for to complete the reverification process. 

The issue is Gemini wants me to be in the US for them to unlock my account, even going as far to ask for my travel documents. There is absolutely not law or rule saying that I must be present in the US for my account to be unlocked. The only rule that I violated was logging in to my account outside of Gemini 's area operation. Again I have provided all necessary information for my account to be unlocked, but Gemini does not want to unlock my account unless I am in the US so now they are claiming that my explanation is insufficient and that combined with my documentation is not enough to have my account unlocked. 

Furthermore, Gemini has lied numerously in their responses to my previous complaints. When I pointed this out and provided evidence, they then changed their story and swapped the dates at which they, " determined that the explanation and documentation provided by XXXX XXXX is presently not sufficient to restore full access to his Gemini account ''. 

This is a blatant manipulation of the events so Gemini can avoid responsibility for poorly handling this situation. I have completed all tasks on my side, but Gemini for some reason believes they have a right to demand where I must be in order for my account to be unlocked. Again there is no law or even rule stating that I must be in the US for my account to be unlocked. 

Gemini continues to refer to the original offense which I have already worked with them to solve, yet they have chosen to obstruct the solution by presenting a baseless rule that has no legal grounding. I have asked numerous times for Gemini to cite the specific rule or law that requires me to be in the US for my account to be fully unlocked. When I do this they refer to the original rule that my account must not be accessed while outside of Gemini 's area of operation. This is a non-answer and does not prove that my account must remained locked while I am outside of their area of operation. 

Again, I appeal to Gemini to unlock my account. They have all of the necessary information to do this, so it is their obligation to do so regardless of which country I am currently in.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on [ DATE ], and I have not yet received a response. ''
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (CO)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit 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 ordered a Product online, in the delivery instructions I put " I have a gated property call me to open the gate do not leave on street. Those instructions were not followed and they left the product on a busy main street and the product was stolen. Ive filled a police report and sent it to them but they are not removing the charge from my account. It was {$1900.00} basketball court that was just left on the busy street side walk outside of my property line and gate and I was never notified that the item was delivered.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XXXX, XXXX mobile deposited a check payable to me from XXXX in the amount of {$4500.00} into my Truist checking account. I've been banking with Suntrust ( now Truist for a long time ). I have not overdrawn my account. 

On XXXX, I received an email saying a hold was placed on the funds for 7 days because the check is not payable upon presentation. I contacted Truist customer help and talked to a representative and a supervisor and they told me nothing could be done to release the hold before 7 days. No one there could explain why the hold is 7 days when they also told me the funds could be verified in XXXX hours. This is XXXX we are talking about, a firm with over XXXX XXXX dollars in assets under management. There should be no issue clearing this check sooner. All they have to do is verify the funds in XXXX days and manually release the hold. They said they can't do that. 

I explained to them that I'm retired and need this money to pay bills with by XXXX but was told there is nothing they can do for me. I guess I need to find another bank because they definitely don't give a XXXX about long term customers. I was never treated this way by Suntrust and I deposited large checks all the time.
Consumer complaint received 2018-11-20
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. (FL)

Re : Experian Dear Experian, There are multiple spellings of my name and listed addresses that are not associated with me on my credit report that is incorrect. My name is spelled only one way XXXX XXXX XXXX. My address of 25 years is XXXX XXXX XXXX XXXX XXXX, FL XXXX. I request that any address other that the above-mention be deleted. They are associated with crime ( s ) of identity-theft. You were also sent a copies of a sworn identity-theft affidavit and identity-theft report filed with the federal trade commission. However, these inaccuracies still remains on my credit reports which is a violation of THE FAIR CREDIT REPORTING ACT in which states that the reporting of inaccurate information shall be deemed as a violation. These addresses and misspellings of my name prohibit me from verifying my true identity with creditors. I have exhausted all remedies failure to comply shall lead to litigation.
Consumer complaint received 2024-01-12
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: Experian Information Solutions Inc. (GA)

I've submitted disputes regarding XXXX XXXX XXXX reporting 30 day past due and late on my credit reports and a member of XXXX called to confirm there was a mistake on their end and that the adverse reporting would be fixed, however, upon checking my credit on XXXX XXXX and Experian, I am seeing only 1 bureau has updated my payment rating and removed the late payment and that all bureaus have not raised my scores to its respective states before this adverse action was mistakenly taken by XXXX XXXX XXXX. 

In the month of XX/XX/XXXX  I sent a Billing Error Notice to XXXX XXXX XXXX : Under Regulation Z 1026.13 Billing error resolution. 

( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : Official interpretation of 13 ( d ) Rules Pending Resolution ( XXXX ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date Hence, the payment was withheld until my issue was resolved, the issue has still not been resolved but I opted to pay the full balance and yet it was still reported that I was past due. When I attempted to re-dispute this information with the bureaus, I am only seeing that the dispute was complete but no significant raise to my credit score has been provided and no removal of the past due status in the month of XXXX has been removed. This is a direct violation of my consumer rights.
Consumer complaint received 2018-11-19
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: Experian Information Solutions Inc. (IL)

Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

PUBLIC FILINGS US BKPT CT IL XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WA)

On XXXX XXXX, XXXX our house was destroyed by a falling tree. Our insurance company reached a fair settlement and claim checks were sent to our mortgage company and us, as usual. In XXXX XXXX our mortgage company was sold to another company, Newrez LLC, who assumed both the mortgage and the claim. From the beginning, Newrez has been almost impossible to deal with. They inherited {$84000.00} of claim money and when we were ready for a disbursement they started a series of obstructions and delays. I had to re-send all the relevant documents to them, though those should be in our record from our earlier mortgage company. Then they asked for other documents that our last company did not need. I sent those, made sure they had been received and revised any they rejected. Then, on XX/XX/XXXX, I asked for a required inspection so we could receive the money we need to pay large bills on XX/XX/XXXX. First they said the inspection request hadnt been submitted, though my request is recorded in their web portal. We finally got the inspection on XXXX XXXX. On the XXXX I was told we passed at 90 % completion and would get {$40000.00}. Thereafter I heard nothing. On XX/XX/XXXX I began a series of email inquiries that were never answered. I called and sent questions through the web portal. Silence. On XX/XX/XXXX the only rep we have ever been connected with apologized for the delay but shed been in and out of the office and didnt realize our disbursement was declined for reasons that made no sense to meneeding documents they already had, wanting new documents Id never heard of, prior releases that didnt match our estimate ( Newrez has released no money ). I the midst of this I found out they were not paying our mortgage and we were in arrears. Recently I discovered their claims are outsourced to XXXX XXXX, operating as XXXX XXXX XXXX fact never disclosed. Multiple subsequent emails asking for explanations have not been answered. We now have to take money from a HELOC at 8.74 % to pay our bills.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX