davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

I called the XXXX customer service number for Truist on XX/XX/XXXX to report fraudulent activity on my account that overdrew my account. I was on hold for over an hour, and the woman who I spoke with told me I couldn't do anything until the transactions posted and would order my husband a new debit card. I asked what I was supposed to do until we got paid again, and I got told " this happens sometimes. '' I asked the woman why the bank wouldn't flag something so out of the ordinary and she didn't have an answer. She told me that my husband could go and pick up a temporary debit card at a branch. Monday XX/XX/XXXX, my husband goes into a branch to get a temporary card, and they told him he could not get a card because our account was overdrawn, which is the opposite of what the XXXX customer service person told me. I called the XXXX customer service number back to see again why nothing can be done about this. My husband is a XXXX XXXX, and he can not have no access to our money. The last time I had fraud activity on my account a few years ago, my bank flagged it immediately, gave us our money back and launched an investigation with no problems, so I'm confused as to why we have to wait for something to post. Our account is still overdrawn. I asked to speak to a supervisor multiple times and kept getting transferred to other customer service people instead. Multiple times, the phone would unhold and I listened to the customer service people discuss my complaint, which is ridiculous and bad customer service. To be told constantly that there's nothing I can do but wait is also ridiculous.
Consumer complaint received 2022-02-28
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX/XXXX/201, I placed an order with XXXX for {$190.00} using my Bank of America credit card ending in XXXX. In XX/XX/2022, I returned some items to XXXX and received a credit for {$120.00}. I also felt, I should have received more credit hence I filed a dispute for {$36.00} with Bank of America on XX/XX/2022. 

On XX/XX/2022, I received a letter stating I received the credit of {$36.00}. After a few days of the credit not posting to my credit card, I contacted Bank of America, I was told to wait until the end of the statement cycle for the credit to post. I have the audio of this call and the notes are on my account. 

I waited until the next bill cycle and the credit has yet to be posted on my account. Please explain where is my credit as per the letter received.
Consumer complaint received 2022-02-28
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: Resurgent Capital Services L.P. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2019-11-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION (AZ)

I have not received NFCU client/member payment as stipulated by CFPB Consent Order ( XXXX XXXX ). 
Has NFCU filed a successful appeal to the CFPB Consent Order ( XXXX ) XX/XX/XXXX decision. 
I experienced 99.9 % of the negative actions you penalized NFCU for. 
My name is surely on the list of NFCU victims, additionally NFCU and I both have submitted documentation that comports my NFCU membership before, during and after the ( XXXX ) criminal period. 
Their NFCU spokeswomans written prevarication to CFPB denies your allegations that they havent attacked me in said manner, but please be advised that my NFCU account is still frozen and they are still promulgating fraudulent writs about my account in their corporate records. 
Any pecuniary deposits that come in to accounts in my name, they immediately confiscate those funds and purport to be blameless. 
I am requesting that you enforce your NFCU Consent Order and force them to pay me my portion of the payout as they were ordered to do. 
/r/ XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc. (CA)

XX/XX/18 Carmax made a fraudulent hard inquiry to my XXXX  report. I have been unable to reach them by phone. I am an identity theft victim and attaching relevant police report. XXXX  has instructed me to contact each individual company.
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-03-06
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. (NJ)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

The credit card was opened in my name when I in fact have not made any purchases in the last 3 months or more from this company Best Buy XXXX credit card : I received a bill and a new card that needed to be activated. 

2 transactions XX/XX/2022 for {$540.00}, XX/XX/2022 for a total of XXXX I called them and they closed my account and pushed it through to the fraud investigation team.
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion 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 an account without my written instructions. 


These companies have illegally obtained and used my information inaccurately and refuses to investigate these errors thoroughly.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA (CA)

Two years ago, during a visit with my mother to XXXX in XXXX, an unfortunate incident occurred wherein my phone was stolen, subsequently leading to unauthorized charges on my accounts. Despite my diligent efforts to rectify the situation, including contacting customer service and purchasing a new phone, I have encountered ongoing challenges. 

Compounding these difficulties, I have faced identity theft multiple times, necessitating the adoption of my nickname, XXXX, and undergoing a marital transition from which my last name changed from XXXX to my original name, XXXX XXXX. Throughout these tribulations, I have strived to maintain my integrity and financial responsibility. 

In pursuit of rebuilding and fortifying my financial standing, I sought to leverage opportunities such as financing an XXXX through Apple 's credit card. Entrusting in the assurances of support and reliability from Apple, I embarked on this endeavor with optimism and commitment. 

Regrettably, my experiences with Apple 's customer service have left me disheartened and disillusioned. Despite my respectful and earnest communication, I have not received the level of assistance and consideration I expected. Instead, I have invested countless hours attempting to resolve issues and seeking guidance on maximizing the benefits of my card, only to find myself met with frustration and disappointment. 

The sudden closure of my account and the resultant impact on my credit score feels unjust and punitive. As a conscientious and loyal customer, I had anticipated fair treatment and resolution of the promised refunds. Instead, I find myself in a state of financial insecurity and emotional distress. 

I implore Apple to honor their commitments, restore my peace of mind, and rectify the injustices I have endured. As a hardworking individual striving to navigate life 's challenges, I deserve to be treated with dignity and respect by my financial institution. It is my sincere hope that Apple will acknowledge and address these grievances promptly, restoring my faith in their integrity and commitment to customer care.
Consumer complaint received 2021-08-24
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. (IL)

I disputed a charge with Citi Executive MC in the amount of {$2200.00} on XX/XX/2021. The charge was for dental veneers from the office of XXXX XXXX XXXX XXXX, XXXX, FL. I paid for XXXX dental veneers from XXXX XXXX and his assistant provided negligent work which XXXX XXXX refused to redo without full repayment. I was forced to have the negligent work removed and redone by another dentist, XXXX XXXX XXXX XXXX, XXXX, FL for {$2400.00} and this charge is reflected on the same credit card. 

Citi found in favor of the dentist despite letters from the new dentist stating the work from the XXXX XXXX 's office was negligent and was causing and would continue to cause worsening health problems. I appealed their findings and Citi found in favor of the XXXX XXXX 's office once again stating the " XXXX XXXX provided the work '' and therefore I have no grounds for a dispute. I vehemently disagree. I paid for XXXX dental veneers which were seated ( cemented in ) negligently. They needed to be removed and replaced, which XXXX XXXX refused to do, and therefore he did not provide the service I paid for. 

I escalated my dispute to Citi 's ERU ( Executive response ) team and this morning received a letter with multiple typos, several grammatical errors, and misuses of context as well as misinformation all through the letter stating that they " respectfully decline to issue a credit '' once again. 

I have filed a complaint against the Florida Board of Health against the dental office and know that the assistant is facing disciplinary action for performing work she is not licensed to perform regarding my treatment and XXXX XXXX XXXX also be facing disciplinary action, as well, because their investigation is ongoing, but why Citi continues to make me pay for botched dental work, just because the dentist has responded to their inquiry that he preformed the work, is troubling. 

I want the full amount of the charge from XXXX XXXX XXXX of {$2200.00} credited to my account.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (VA)

My loan servicing company has transitioned to CrossCountry Mortgage. They have a customer service number, which I have been unable to actually speak to a representative after numerous attempts and hours of waiting on hold through their automated service line. I have been hung up on 4 times after actually reaching an agent and unable to be able to speak to an actual human being. 

Since taking over my mortgage, they have INCREASED my mortgage amount and redirected most of my payment to escrow. However, I already pre-pay my insurance and send proof of insurance to my mortgage company, which is more than half of escrow they are illegitimately collecting. 

I need help please. My mortgage amount needs to urgently be decreased, as they directly impacting my budget and putting my family 's finances at risk. They DO NOT have an email address and intentionally do not answer their phone service. I do not like how I have been treated by this new servicer and really need some help, please.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc. (PA)

I received a visa vanilla card in XX/XX/XXXX for {$500.00}. I went to use the card in XX/XX/XXXX to pay a hotel bill. When I called on the balance was {$5.00}. I never used the card there were several charges on the card totally {$490.00}. I opened a complaint with visa in XX/XX/XXXX case # XXXX visa card # XXXX. I requested that I be reimbursed for the unauthorized charges and have not heard anything back.
Consumer complaint received 2021-06-16
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. (AZ)

these inquires are fraudulent and do not belong to me i never applied for credit with these companies and they need to be removed i have contacted all of these companies and they all told me to contact credit experian and XXXX to resolve this issue i have and they still remain unchanged XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XX/XX/XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXXXXXX XXXX XXXX-Balance $ 2,210-Date Opened : XX/XX/2016 XXXX
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

4 days ago, my fianc went to take the tax money we got out of our account. Some how the teller messed up, my fianc went back in to try again and the teller put a hold on our account making it look like we were {$880.00} thousand in debt. I was told it will take 24-48 hours to investigate. Its been 4 days, they will not tell us XXXX whats going on or why they did it. This caused our financial situation to get worse. I hate the fact they can do this to us and other people. This action should be illegal. We just want the money the IRS issued so we can close this account.
Consumer complaint received 2022-02-28
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: JPMORGAN CHASE & CO. (NY)

this company chase ( JPMCB CARD ) clams my account is closed and charged offed and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. you have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (IL)

I am in the middle of buying a home. My Credit score is very vulnerable right now. I contacted the collection company Receivables Performance Management ( RPM ) back in XX/XX/2021. We agreed on a settlement of XXXX. The arrangement was to be made in two payments which were to be deducted on XX/XX/XXXX and XX/XX/XXXX. I called and made the XXXX payment early. The XXXX payment was deducted on the XXXX which would have completed my debt with the company. However right after the second payment was made, the collection hit me credit report and dropped my score XXXX points. This should not have happened. I was told that as long as I was in good standing with the collection company and made the payments on time this would not hit my credit.