davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

I am on XXXX. I have overdrawn my account several times. Today I was told my account was being closed because of overdrawn. In fact I was lo ked out of my online banking this morning and had to call customer service with First Citizens bank. When I was able to log in, I noticed an unfamiliar deposit. I figured it was a mistake. Tried to log in later this afternoon XX/XX/2023, only to get a notice to call the investor of fraud for my bank. I have never seen or k ew anything about a deposit. So in reality, the woman was closing my account not because of overdraft but because of a check deposited into my account. She never even gave details on the account or the check. 

Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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. (NV)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 i sent XXXX  XXXX account # XXXX, certified mail tracking # XXXX XXXX XXXX XXXX XXXX to validate this alleged debt * they failed to respond with anything back via mail call or email. Neither did they enter the notice of dispute on my consumer report This is a violation of FCRA Section 623 ( a ) ( 3 ) which states If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. 

Also i never gave XXXX XXXX to report this account on my consumer report this is a violation of my right to privacy which is law 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also i never gave them written instructions to furnish this account which is another violation of law 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 Pictures and supporting documents below where no notice of dispute was entered
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} is not charge off to me. My record shows that this account was Paid as agreed and Balance is XXXX. Please correct this account immediately.
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC (UT)

Received notification of a negative mark on my credit report. Disputed with credit bureau as well as agency. After looking into this more, the collection agency purchased an old debt that was past the statute of limitations and had already been taken off my credit report. They filed this as a new debt which is a violation of the Fair Debt Collection Practices Act. Want this off my report immediately and the company should be fined.
Consumer complaint received 2017-05-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (IL)

I have con tacted M & M Credit several times disputing this debt. The company is reporting the debt on multiple credit bureau accounts with different amounts which is another violation of the disputed debt. I have disputed this debt and have not received any verification or validation proving this is my debt. I requested the account to be permanently removed from my credit report. My original dispute was   XXXX    XXXX  .     Merchants and med cr edit ( M & M ) in a mounts of {$4700.00}, {$61.00}, {$370.00}, and {$4200.00}.
Consumer complaint received 2023-01-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (MA)

My name is XXXX XXXX and having trouble with Citi on my new personal loan. Loan # XXXX. I made my first payment in XXXX of XXXX  and received emails and phone calls from Citi Collections that I did not make my first payment, this surprised me since I had record of the check clearing already. After numerous calls to Citi I was asked to fax a copy of the front and back of check which I did on XX/XX/XXXX. I spoke to the following supervisors in XXXX and XXXX XXXX and XXXX and neither one was able to get this resolved with Citi 's back-office. I was told they have my fax and would adjust my account in 7-10 days. XXXX  is XXXX XXXX and I still can't get this resolved. No one is calling me back with updates and I am very frustrated I have to keep calling. Citi needs to adjust me account ASAP and make sure I am not charged late fees, adjust for interest and credit my account with a one-time fee credit for the trouble I am going through. This was my first payment and has been a nightmare experience. Also I asked that my loan be linked to my credit card so I can review balances and make future payments online. I was informed by Citi they are having a problem linking accounts with 11 digits, this is crazy! I requested a new shorter account number and they have provided this to me either. I want this processed ASAP. 
Unfair practices and awful customer service from Citi. 
XXXX ph # XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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)

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 Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or 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 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX, I was pre-qualified for a home loan and when they pulled my credit, all 3 credit bureaus reported my scores. My main credit card is through XXXX XXXX. Now that we are closing, Equifax is no longer reporting that I have any existing credit, and it is causing serious problems with my mortgage. 

On XX/XX/XXXX, Equifax said the problem was that my birth date was missing on their end. We verified it was fixed. On XX/XX/XXXX, they said it was because XXXX  was not reporting to them. XXXX  has confirmed on multiple occasions that they are reporting to all 3 credit bureaus including Equifax. On XX/XX/XXXX, this issue is still going on and holding up closing. Both XXXX XXXX  and Equifax maintain there is nothing they can do. XXXX XXXX  says they are reporting it ( which they have been since XXXX ), and Equifax is saying they can not see it and the bank must have removed them from reporting. 

I have spent hours on the phone with both companies, both of whom are denying responsibility. There other two credit bureaus are receiving the reporting from XXXX, and Equifax used to have this line on file.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Date : XX/XX/2020 I have contacted my attorney and the local police department which have both told me that criminal records should not be showing on my background check 7 years after conviction date. 
I have been looking for another job for years and my criminal background has prevented me from finding another job. 
statement from fair credit reporting act " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. '' I completed a Criminal background check on myself in MN using TransUnion.com.

I verified that my record still shows and even after 7 years from my conviction date. Also, the number of records showing is 4, this is not correct, it should be only 2. 
please have my record removed from public systems, I have a family I need to support.
Consumer complaint received 2021-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been three months and I still haven't received a response.
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

This is my third complaint filed in the last 5 days. The previous ones can be referenced as numbers XXXX and XXXX filed on XX/XX/XXXX and XX/XX/XXXX respectively. Since the second complaint was filed and after two emails sent to SunTrust 's senior Vice President, XXXX XXXX, I was finally contacted by a person in the Executive Services Department trying to resolve the issue created by the bank arbitrarily holding a {$10000.00} check for ten days as of today. I also contacted the SunTrust regional manager over their branches. Both offered to help but after three days, each contacted me to say that they had reached out to the SunTrust fraud department " back office '' only to find that the folks in charge there are steadfastly refusing to release my funds until XX/XX/XXXX - twelve days after they were deposited. This in spite of the fact that the issuing bank has confirmed that they funded their check on XX/XX/XXXX. Seeking contact information with the fraud department, everyone I could talk to has made it clear that the fraud staff are " not client facing '' which means they are unreachable for an appeal. Likewise, the executive offices are hiding behind a stone wall. Lower level employees have all maintained that the executive offices have no phone numbers. That's obviously not true! 

I complained that the only fraud being committed in this case was being perpetrated by SunTrust 's fraud department. They have had my money for nearly a week and still won't clear the deposit check into my account. At this late date, nothing more can be done to hasten the process. But still I want the complaints I have filed to be made public and to have the government send notice to the bank that their behavior is being observed. 

I have been with SunTrust for 35 years and have never had a check held before. The entire staff whom I have been able to contact have been unmoved by my dilemma, and unhelpful in finding a solution. Incompetency in doubling the hold by withdrawing not {$10000.00} but {$20000.00} from my account and then using the automatic " overdraft protection '' to overdraw a second account by nearly {$7500.00} only added insult to injury. Those steps effectively deprived us of access to all our cash in the bank for a couple of days. This has been maddening. 

When we get our cash on XX/XX/XXXX, we will immediately open new accounts with a competitor so that SunTrust can not bully us again in the future. Ironically, the merger with BB & T seems to have emboldened SunTrust to run roughshod over even longstanding customers. The new name, Truist, is a complete joke. These folks are proving to be dishonest and unethical in the extreme. My advice is to stay away from this bank.
Consumer complaint received 2021-12-30
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. (NV)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-02-21
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. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

In XX/XX/XXXXI took out a home loan with XXXX XXXX DBA XXXX. They filed Chapter XXXX Bankruptcy in XXXX. Recently I have received the attached letter from XXXX XXXX  XXXX XXXX XXXX operates as a subsidiary of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX. United States. Tel. XXXX acting as TRUSTEE for the LSF9 MASTER PARTICIPATION TRUST, and serviced by CALIBER HOME LOANS. We have contacted XXXX XXXX XXXX directly and they claim that XXXX MASTER PARTICIPATION TRUST does not own any mortgages and does not have any assets? We attach a letter from our Attorney requesting all the documentation regarding this matter and have still not received the reply to the attached Qualified Written Request ( QWR ). We understand that there is a case of fraud active in the Texas Federal Court, Case number : 1:17-CV-297 against them and would like for the Consumer Financial Protection Bureau ( CFPB ) to investigate this further.
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Specialized Loan Servicing Holdings LLC (HI)

SLS mortgage has assessed a {$240.00} fee without proper notice or purpose. When I asked what the fee was for I was told for a " property assessment ''. I asked how this could be charged without any notice. And why. They said because I had a XXXX month forbearance they did it and charged me. I asked for the assessment that they were charging me for and they said they could not produce that. I said if I am charged for it, it should be supplied. They are taking advantage of those who lost income in a natural disaster ( XX/XX/XXXX Lahaina wildfire ). They should be reported and fined for this practice to steal/nickel dime those effected by natural disaster.
Consumer complaint received 2023-03-25
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (NC)

XX/XX/2022 - Received a call from Tek-Collect to collect a debt for XXXX XXXX XXXX XXXX I informed the rep. that the debt was paid by insurance and should not have been sent to collections. The rep. asked if I would like to dispute the debt and I accepted. 

XX/XX/2022 - Documents were received from Tek-Collect that were sent to them by XXXX XXXX XXXX XXXX After reviewing the documents I noticed the claim was submitted to my insurance company but filed under another patient 's account at XXXX XXXX XXXX. I called Tek-Collect and spoke with a rep who was unable to assist so I requested to speak with a supervisor. The supervisor I spoke with was XXXX. While on the phone with XXXX I walked him through my findings on the documents and he agreed the debt amount attempting to be collected was incorrect. XXXX then informed me that he would reach out to XXXX XXXX XXXX for more information to get the issue resolved and will keep me updated. 

XX/XX/2022 - I receive a call from Tek-Collect to collect a debt. I informed the rep that the collection is under dispute and I haven't heard anything back from XXXX. The rep. then directs my call to XXXX who informs me that since I have an outstanding debt my information is on the call list to collect. He removed my information from the list and informed me that he had not heard back from XXXX XXXX XXXX. 

I have disputed the debt with the three credit bureaus more than once. XXXX has acknowledged my complaint and dispute and has since removed the debt from my credit report. However, XXXX and XXXX both show the disputes as resolved and claim the collection amount is correct and verified.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (IL)

XX/XX/XXXX PayPal debit card was used to make a purchase for goods or services from XXXX XXXX in the amount of {$95.00}. I did not lose my card nor authorize thus purchase. I contacted them immediately upon discovering the fraudulent transaction and began the appeal for the charges. On XX/XX/XXXX PayPal informed me that XXXX XXXX had informed them that I had received a package and provided the following tracking number : XXXX This tracking number is from XX/XX/XXXX, not from any order in XX/XX/XXXX and not any order I have placed. I have contacted XXXX XXXX and PayPal repeatedly and they don't seem to have internal processes to resolve this issue and I suspect the fraud is coming from within. XXXX XXXX denies every shipping anything to me. I have screen shots of our discussion via XXXX  formerly known as XXXX XXXX after I took my issue there.