davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (GA)

Suntrust Claim Number : XXXX My husband 's wallet was stolen on XX/XX/XXXX. Fraudulent debit card charges in the amount of {$1200.00} and {$61.00} were made at a XXXX and money was withdrawn from an ATM in the amount of {$500.00}. A check was also deposited into our joint account in the amount of {$500.00} from XXXX XXXX of XXXX XXXX   that was denied. We filed a claim with Suntrust on XX/XX/XXXX. Suntrust denied the return of this money stating that these transactions were not done in error on XX/XX/XXXX. The total amount lost was {$1700.00}. Suntrust Fraud team reported under their Regulation E that they didn't have to return the money based on their investigation. I'm asking for help in this situation. My husband wasn't in any of these locations during the times of these transactions. We'll submit the police report number and the findings from Suntrust. We'd like Suntrust to confirm camera footage at their ATM and XXXX to verify who made these fraudulent transactions. This money taken was our XX/XX/XXXX mortgage payment. We really need this money back.
Consumer complaint received 2022-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

MBA law placed two collections on my consumer profile totaling over {$6000.00} stating they were due and owing at the time. I then receive the " bill '' that showed a total balance due was only {$0.00}. After pointing this out the falsified debt was then placed with XXXX with different dates. This company recently admitted to being " XXXX XXXX  '' which is conspiracy and conflict of interest by itself. They have finally removed it after many disputes yet have since allowed access to this confidential information to other companies. This company has affected my financial health severely by submitting false accusations of debt with forged bills and polluting my consumer reports and is still requesting hospital release forms from 2017 and sending me private HIPAA protected information out such as financial responsibility forms in an attempt to justify the fraud they have committed despite knowing that the debt was paid by medical insurance as shown in their falsified bill. This company is causing me XXXX and mental anguish by not taking responsibility for their actions. I am severely worried about the financial statement as they have shared falsified bills enough times already and since they have cropped out the hospitals name on the financial release form, they might sell that form for other companies or even themselves to torment me even more. This company not only has caused me to lose faith in the economic system of the United States of America, but makes me no longer want to voluntarily participate.
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On Monday XX/XX/19 I discovered that Capital One had made an unauthorized ACH withdrawal of {$5000.00} from my XXXX XXXX  checking account. 

I had previously used Capital One 's XXXX app to set up automatic payments of {$500.00} per month from my checking account ( which had functioned properly to execute a {$500.00} AutoPay withdrawal on XX/XX/19 ). However, when I checked the AutoPay settings after the {$5000.00} withdrawal, instead of being set for a " Fixed Amount '' payment of {$500.00}, it was set to pay the entire " Last Statement Balance. '' I NEVER SET AUTO PAY TO PAY THE " LAST STATEMENT BALANCE, '' nor would I ever do that because I had a balance of more than {$5000.00} and I generally don't have that much in the checking account the ACH was set up to draw from. 

I immediately called Capital One ( on XX/XX/19 ) to have the payment reversed and was told by a supervisor named " XXXX '' that he could not reverse the unauthorized withdrawal, nor could he do anything else to help me. I asked him to escalate the call to his supervisor and he told me that his supervisor does not take calls from customers. 

Even if I had made an error and somehow accidentally changed the AutoPay setting from " '' fixed amount '' to " last statement balance '' ( which is not what I believe occurred ), when I notified them immediately that I did not authorize a payment in that amount they should have reversed the transaction and, at most, charged a nominal transaction fee for the reversal. 

I have to believe that Capital One 's outright refusal to correct an unauthorized withdrawal from a customer 's checking account is prohibited by federal and/or state law, and refusing to allow customers to speak with anyone higher than a first-level supervisor is not only unconscionable but, from a customer relations standpoint, downright idiotic.
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

XXXX from IQ Data International contacted us ( XX/XX/2019 at XXXX ) trying to ask about all of our personal information. My husband hung up on him and he called me back and told me I made my husband hang up bc I was in the background telling him not to give our personal info to someone we dont know. I asked for a bill and he refused and said if I didnt want to pay my debt then it would ruin my credit and I told him that I didnt say I wasnt paying it I asked for a bill, the entire time he kept talking over me and telling me how this was going on my credit report. 

He kept yelling and talking over me so I asked for a supervisor. XXXX XXXX came on the line and was still rude to me. She said if I wanted a bill I had to request it via mail and I said I never heard of it being done that way and she was just making me feel horrible because I said Ive never heard of someone asking you to pay a bill but wont send you a bill. I asked for the address and other info needed and when she told me my account number I asked if it was alphaneumeric because I couldnt tell if she was saying H or 8 and she was, you guessed it, rude. I asked my husband if he heard H and he agreed it sounded like H then I asked for the amount owed and she was rude again telling me that the amount today is less than the amount tomorrow. I asked her to confirm the amount of interest and again, rude. 

I understand theyre trying to collect a debt but I dont understand why theyre so incredibly rude about it from the start.
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

I placed a dispute for a charge I did not authorize at all for {$130.00} which caused my account to go into the negative. The bank had the audacity to not even contact me to say it was denied which is crazy. I was given the run around by a representative and a manager. I had it up to here with TD Bank.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My XXXX credit score was XXXX on XX/XX/18. XXXX days later it dropped to XXXX and it did not pay anything late, in fact I had just paid 30 % payments on all my credit cards, My score should have gone u NOT down. 

My XXXX  score was XXXX. XX/XX/18 and dropped to XXXX on XXXX XXXX My. Experian had dropped XXXX to XXXX on XX/XX/18
Consumer complaint received 2019-02-13
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. (AL)

Equifax is reporting my bankruptcy inaccurate. The date filed is in accurate and the discharge date is wrong. The bankruptcy was filed in XX/XX/XXXX and the discharge date is XX/XX/XXXX. They are reporting this information in accurate on my credit report and I want this bankruptcy removed the law clearly states in info being reported inaccurate can be removed.
Consumer complaint received 2022-08-18
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: WELLS FARGO & COMPANY (AZ)

In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car. I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting innacuate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payements, I demand deletion at once with these late payements reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from excersing my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX arizona [ XXXX ]
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

My email to XXXX XXXX NMLS # XXXX branch manager on XXXX and XXXX in XXXX XXXX, CA XXXX XXXX XXXX XXXX  CA XXXX I opened this account in your branch in XX/XX/2018. 
( Acct # XXXX XXXX XXXX XXXX ) That month, I overdrew my account {$8.00}. I was unaware of this overdraft and was charged an overdraft fees of the following : {$36.00} on XX/XX/ 2018 {$36.00} on XX/XX/2018 {$25.00} on XX/XX/XXXX This left my ending balance - {$100.00} for the month of XX/XX/2018. 
XXXX continues the charges in the following : {$25.00} on XX/XX/ 2018 {$25.00} on XXXX XXXX 2018 {$25.00} on XX/XX/ 2018 {$25.00} on XX/XX/ 2018 {$25.00} on XX/XX/ 2018 Bringing my balance to $ XXXX I called several times to see if any of these fees could be reversed and was immediately treated rudely and told " no ''. 

The account was then closed in XXXX and another {$30.00} fee was tacked on. Bringing my ending balance to - {$260.00}. 

I came to US Bank because I thought they didn't partake in the incessant fee charging of their customers. I admit fault in over-drafting {$8.00} and agree to paying a single fee for that. 

It has now been brought to my attention that I am in XXXX XXXX  for {$260.00} for a {$8.00} error. I am hoping you can do something to rectify the situation and request my removal from XXXX XXXX. 

Please get back to me at your convenience by replying to this email due to the fact that during working hours I am unable to answer the phone. 

Thank you for your consideration in this matter -- XXXX XXXX XXXX XXXX -
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

The closing on my personal property XX/XX/XXXX. The mortgage company was over paid and they were supposed to send us a check for the overage of {$1600.00} as agreed upon at the closing. In Mid- XX/XX/XXXX, we still hadn't received the overage check so we reached out to XXXX XXXX XXXX advised us that it was their mistake and they would be sending out the check. In XX/XX/XXXX we reached out to them again and they said they sent out the check and that they would follow up on it. There was response so in XX/XX/XXXX we reached out again and they then told us the check had been sent out to us and cashed. We told then=m we had nit received any check nor cashed it. So they sent us a coy of a front of a check and the back of a check with a different account number and signature. We explained that it was obviously not us and they told us to get a police report and to talk to the bank and we did ( see attached documents ). The bank said they could not help us because we were not the issuers of the check the issuer has to deal with the issue directly. Here we are now XX/XX/XXXX and after various conversations with XXXX XXXX, of them promising to send out a replacement check and finally they told me last week that they would not issue a replacement check to go through the legal route and get an attorney to fight it out. That is why we are reaching out to you for some assistance in this matter. Please see all necessary documents supporting our claim attached.
Consumer complaint received 2019-02-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

XX/XX/2018 I filed a police report and mailed the police report to Experian with my drivers license, a copy of a utility bill, and a copy of the police report. I had a fraud alert put on the Experian account. These are the following accounts listed. 
XXXX XXXX XXXX  XXXX XXXX {$3000.00} balance XXXX XXXX {$720.00} balance XXXX XXXX {$730.00} balance XXXX XXXX XXXX XXXX   {$7400.00} XXXX XXXX XXXX {$1100.00} Also attached in the photos are an example of an account that was removed and then readded
Consumer complaint received 2023-06-11
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: EQUIFAX, INC. (GA)

The credit bureaus are in violation of my rights please help. They keep saying an account is verified as accurate, without providing me with any data on the account, and any proof of their method of investigation, and their so call real dispute results or the documentations prompting them to say the accident accurate. I even reached out to the credit, I was at first told that there is a fraudulent account in my name, that it will be deleted within 30 days, and then I received an email days ago saying they don't have any accounts under my personal information, so I am super confused, but either way the account is fraudulent and not mine, and would like it deleted from my credit report. Please see attached documents!
Consumer complaint received 2019-02-13
Product: Credit card or prepaid 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: CITIBANK, N.A. (IL)

My card information was stolen in XX/XX/2018, and someone made purchases by using it. I discovered it a few days later and reported it to Citi Card. I received a new card and thought everything was fine. However, I found the unauthorized charges were not fully refunded. I contact them again, they told me their investigation team discovered the case. But it has not been solved yet. They closed the case before the date they noticed to contact them, and reopened by my complaint. And their Debt Department kept calling me due to the unauthorized charges because I didn't pay it. Now I've been waiting it will be solved soon while making minimum payment. I'm really sick and tired to contact them for this case.
Consumer complaint received 2022-08-18
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. (CA)

I demand that the following account be deleted, all collection efforts cease and any information about this account sent to credit agencies/bureaus be removed immediately!! 

JPMCB AUTO Date Opened : XX/XX/2019 Acct type : Auto Lease
Consumer complaint received 2023-03-07
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: National Credit Adjusters, LLC (TX)

I am in receipt of a computer-generated letter from vour company with unsigned, unverified, unvalidated statements alleging some kind of debt. Who are you? Do Thave a contract with you? If yes. please send a certitied copy of the contract that exists between XXXX XXXX and NCA It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes and I do not owe the debt for the account in the above Regarding. However, your claims are conditionallv accented provided vou furnish me with a claim verified under penalty of perjury. 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. 
Please send me a certified copy of your license to collect a debt in Texas. If you purchased this as a " debt collections '' device to make money as a debt collector, thank you for paying off the bill. You have 3 days to respond with a statement of account with a zero balance and remove any and all unlawful on my credit report. Failure to respond in 3 business days is acceptance and your failure to cure vour dishonor will receive my NOTICE AND DEMAND for {>= $1,000,000} in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion Racketeering, Conspiracy, Intimidation.

Here are the terms of this self-executing Contract : Respondent must respond in an Affidavit with the requested supporting documentation and mail it to me. 

In the absence of a true bill, kindly tender payment of {$1000.00} payable to : XXXX XXXX for 1 ( one ) unsigned, unverified, unvalidated statement punishable by Federal Law pursuant to Title 18 USC 1341. 1702. 1703 and 1708. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX
Consumer complaint received 2019-02-12
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. (SC)

Called Experian on the phone, was redirected several times until i reached an agent whom i could understand and was in the US. I explained to them how i was brought to tears after viewing from credit report. This particular was very helpful and gave me several different ways that i can be helped if i submitted the proper documents. I've mail them in before and called up hoping and XXXX that i'd get that same helpful male agent whose name i just can't recall, but this time i was funneled to a call center outside of the usa and could not be helped at all, after research and guidance i was led to this portal to assist in coming to a resolution.
Consumer complaint received 2019-02-13
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. (PA)

I requested that this account be verified previously and it was removed from my credit report. I requested validation again and they are ignoring my request. Since when can an account be added back to a credit report with a different name and more inaccurates.
Consumer complaint received 2019-02-13
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. (PA)

I requested that this account be verified previously and it was removed from my credit report. I requested validation again and they are ignoring my request. Since when can an account be added back to a credit report with a different name and more inaccurates.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

Seterus reported that I was late on my mortgage on XX/XX/XXXX and XX/XX/2018, which was not true. I mailed the cancel checks to them in XX/XX/2018. I spoke with a Rep, XXXX XXXX he stated that he would correct the record and report it the credit bureau. This is did not happen! I called back in XX/XX/2018 and spoke with XXXX XXXX which told me that the letter to the credit bureau was mailed XX/XX/XXXX. This is still on my credit report to date. I just received a email from XXXX that my XXXX payment was not made or late. I called Seterus and spoke a woman named XXXX she told me that my payment for account # XXXX was put on my other account # XXXX, She corrected the payment and said she would again send a letter to the credit bureau. I have requested copies of these letters which I was told that they would be mailed to me. I have not received any letters from Seterus to date. Saturday XX/XX/XXXX I received a another letter stating that I was in default on my mortgage payment ( # XXXX ). Seterus is the worst company I have ever dealt with in my entire Life. Thanks XXXX XXXX XXXX
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (CA)

I respectfully request your offices provide me with competent evidence that I have ANY legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to ANY of the 3 credit reporting agencies ( XXXX XXXX and or XXXX ) this action may constitute fraud under Federal and State Laws. Due to this fact, if any negative marks are found on ANY of my credit reports by your company that you represent, I need them removed from all 3 credit reporting agencies. I also need documentation stating you removed the item from my reports.