davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
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. (FL)

In XX/XX/XXXX I purchased set of XXXX wheels for {$2000.00} from XXXX XXXX , XXXX. I received a set of XXXX XXXX XXXX. XXXX acknowledged the mistake. I had to file a dispute with my credit card company ( CITI ) for XXXX to eventually agree to take back the wheels in exchange for a {$2000.00} refund. I returned the wheels at CITI 's direction to resolve the credit dispute. The wheels were returned with XXXX   labels provided by XXXX, and were delivered on XX/XX/XXXX. ( XXXX tracking numbers XXXX ; XXXX ; XXXX ; and XXXX ). I have followed up multiple times with my credit card company ( CITI ) and XXXX, but now one year after this merchandise was returned, I have still not received a refund and the charge continues to incur interest on my account. CITI 's most recent correspondence indicates " We have made every effort to resolve this dispute with the merchant and/or their bank but have not been successful. Unfortunately, the merchant is not willing to issue credit to your account. We no longer have any additional recourse to pursue a credit for you through the dispute process. You will need to seek other means to resolve this matter. Our investigation remains closed. '' Attached is supporting documentation.
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (MD)

Equifax has reported inquiries that are incorrect and I didn't authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OR)

I have requested verification/validation of the debt FCO is attempting to collect from me - I am not familiar with their company and have never entered into an agreement with them. On X/X/2017 - I requested verification - they sent me a contract that was incomplete and not enough information to identify this debt as mine. OnXX/XX/XXXX I requested information a second time to clarify my original request - they sent me a bill/statement with no additional information even though it appears the statute of limitations have expired for this debt They have not provided enough information to verify this debt - this account is negatively affecting my ability to get credit. In addition, they have failed to mark my credit reports recognizing my dispute on all the credit reports they are maintaining this account.
Consumer complaint received 2017-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (PA)

Re : Account #  XXXX  To Whom It May Concern : I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a mobile banking app called XXXX XXXX  ( member fdic ) I was trying to transfer my savings to my new bank account I have with capitol one unfortunately capitol one froze the account because XXXX is an prepaid bank.. so I told them I can provide any information you need to prove and show you that every dollar belongs to me and they are really not trying to hear me out and is giving me a hard time its been a week.. everythings legit I have paper work, bank statements, emails, screenshots etc proving this is mines and that I want my money now.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (TX)

My name is XXXX XXXX and I am a victim of identity theft. I have contacted Merchants Credit Guide on several occasions to remove these so called medical debts from my credit report and they refuse to do so. They have not complied with my requests under the FDCPA or FCRA and have failed to provide proof or verification of the alleged debt. I am once again enclosing my identity theft report and notice to XXXX XXXX and XXXX. I have never been to these facilities.
Consumer complaint received 2018-03-27
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION (GA)

Applied for mortgage with BB & T Bank XX/XX/XXXX. The day I applied 2 credit reports were pulled within an 1 1/2 hrs of each other by XXXX XXXX on behalf of BB & T. Because of negligence on behalf on BB & T employees this mortgage took 6 months to close. Closing date was XX/XX/XXXX. DuringXX/XX/XXXX BB & T has another report pulled by XXXX XXXX. As stated I closed my loan on XX/XX/XXXX. Ninety days after I closed on my mortgage another credit report was pulled by XXXX XXXX on behalf of BB & T. I contacted the President Line at BB & T Corp. I have conversed on numerous occasions with XXXX XXXX. I first notified BB & T on XX/XX/XXXX when I became aware of the problem. I began conversations with XXXX XXXX  on XX/XX/XXXX. No one at BB & T can give explanation as to why my credit was pulled without authorization in XX/XX/XXXXconsidering my business was concluded on XX/XX/XXXX and they had no valid written or verbal authorization. This is in direct violation of the Fair Credit Reporting Act which carries automatic {$1000.00} penalty with no proof of damage needed. As discussed with XXXX XXXX when approved for my mortgage my credit score was XXXX. All my accounts have been paid on time no delinquencies yet my credit score has dropped 45 points. Two reporting agencies are showing 4 hard pulls and 1 agency is showing 3. Normally, a mortgage should only show maybe 2. I have given BB & T 70+ days to correct there errors to no avail.
Consumer complaint received 2022-10-11
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX ( Original Creditor : 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  I ( XXXX XXXXr : 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 *** and ( Original XXXX : ) XXXX have violated my rights. 

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.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX balance.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXXXXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1000.00} XXXX XXXXXXXX XXXX XXXX  {$2900.00} XXXX XXXX XXXX
Consumer complaint received 2021-11-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MO)

We have a mortgage with Suntrust/Truist , My title company as well as I have been trying to obtain the payoff letter for over a week I have contacted Suntrust no less than XXXX times. I have tried to access their website in order to get the information needed and there is no option for payoff information. It should not be this hard and I should not have to contact a company over and over again to get the information as I am scheduled to close tomorrow XX/XX/2021 and they are yet to produce the document
Consumer complaint received 2020-02-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Army and Air Force Exchange Service (TX)

Contacted Military Star at number listed on statement ( XXXX ) to inform them that the online portal was not allowing me to submit payment. The representative informed me that this function will continue to be disabled until I make six consecutive payments. Military Star has sent letters to my Commander in the past and on the statement dated XXXX XX/XX/XXXX threatens to do so again : " If the payment is not received by the due date, we may request involuntary collection for the maximum deduction allowable from either your Military, Retired or Civilian pay in accordance with applicable law. Prior to involuntary collection, we are required to notify your Unit Commander. To prevent a notice, you must pay the past due balance on or before XXXX XX/XX/XXXX. If you are separating from the Military, we  may collect any remaining portion of the debt from your final pay and allowances. '' XXXX XXXX XXXX XXXX used these same practices and was held responsible in XX/XX/XXXX.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/22 I had withdrawn {$290.00} from my Middle Class Tax Refund debit card at XXXX so that I could deposit that money into my US Bank account for XXXX presents for my XXXX year old daughter and also pay my PG & E bill. I went to the ATM US Bank branch on XXXX XXXX in XXXX, Ca at XXXX. Once I deposited the {$290.00} I saw a please wait pop up on the screen which lasted for over a minute so naturally I wonder whats taking so long. Then the machine dispenses a receipt which states AID XXXX A machine error has occurred and we are unable to to credit your account or return some of the items you attempted to deposit. Please contact ( XXXX ) XXXX so we can assist in the return of these items. 

You will need to keep this receipt, as it contains valuable information needed to assist in the return of your deposited items. We apologize for the inconvenience. 

I immediately panicked and saw that there was no record on the receipt or my banking app on my phone of the deposit that I just made. I took my daughter and went into the branch to talk to the Teller and Manager and was crying because XXXX cant believe this just happened. The teller helped me do a claim over the phone so they can do an investigation and he told me there is nothing else that they can do to help. He also mentioned that it can take 10-45 business days before this issue is resolved. I said I need my money today, I cant just wait that long with XXXX coming up and bills needing to be paid. He said Well, have you thought of opening a credit card with us so that you dont have to go through something like this again and wait? I said are you kidding me?! This is the solution you have to the machine eating my money and not having any evidence besides camera footage, the receipt of the excuse and when they do end up counting the money in the ATM machine once a month. They are taking very little accountability for this error. The machine is obviously defected and in no way shape or form should be allowed to be open to the public. This has been one of the worst experiences Ive ever had due to the fact that my daughter was with me, its right before XXXX and they say there is nothing else they can do besides expedite the claim. No one should ever have to go through something like this. We trust banks to deposit and hold our money for us correctly. I have been let down by US Bank and this location XXXX XXXX in the XXXX XXXX XXXXr in XXXX, Ca. It does feel like XXXX at their mercy because of my financial state and I will be closing my account with US Bank once I get my money back and they are done with the investigation.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (MI)

My card was stolen and Direct Express notified! After it was stolen someone charged {$470.00} on XX/XX/XXXX ; {$1100.00} with XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX & {$130.00} with XXXX XXXX. Direct Express sent me a TXT before processing payment to XXXX XXXX & I told them it was fraudulent. 
I had a prior card stolen & someone used an ATM to withdraw {$160.00} on XX/XX/XXXX. 
I disputed the {$160.00} several months ago & never received a provisional nor permanent credit. All ATM machines have camera videos which will prove it wasnt an ATM withdrawal by me. I disputed the transactions from XX/XX/XXXX & XX/XX/XXXX on XX/XX/XXXX, was told I would receive by email a written formal dispute which I have not.
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (TX)

We desperately need your help to address and correct serious issues and continued illegal activities perpetrated by Tenet Healthcare Corporation and its subsidiaries to perpetuate a subterfuge of sham corporations to commit fraud, violating consumer rights in defiance and wilful non-compliance with the consent orde r ( File No .  XXXX  ), the Dodd-Frank Act of  XXXX , the Deceptive Trade Practices Act, The Fair Debt Collection Practices Act, and The Fair Credit Reporting Act.  <P/> Across  the US, Tenet to Syndicated Office Systems LLC continues to blatantly violate consumer rights, impacting families like mine, hurtin g us financially, stealing my time with my family, intentionally inflicting emotional stress, and impacting my husband 's health.  <P/> Since  XXXX , we se nt 5 le tters (  XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX  ; and  XXXX   XXXX   XXXX  ) requesting signature validation that they ignored and still ignore and avoid-hiding behind attorneys and legal maneuvers.  <P/> Additionally, the account they never validated was even duplicated as another account.  <P/> When we were trying to secure a mortgage, m y credit score be cause of the accounts they refused to validate was impacted, and we will now pay for the next 28 years-this will cost us more.  <P/> Ignoring the consent order to take affirmative action and act in " Good Faith '' Tenet through Syndicated Office Systems LLC still persist in hurting my family, appealing the suit we won in a lower court.  <P/> We respectfully ask that you intervene and end this overt campaign of defiance just because they can.  <P/> Please contact  XXXX   XXXX  the CEO of Tenet Healthcare Corporation to end this all.   Opposing Counsel is Attorney  XXXX   XXXX   XXXX , and she can be contacted at (  XXXX  )  XXXX  or emailed at  XXXX  XXXX  XXXX  From doing all the research, Tenet runs this subterfuge across more th an 20  states, and I have all the documents to prove that this entire organization is a hollow shell of sham companies that continues to deny that they are one and the same. I ask for a full investigation, and I can and will assist at your request.
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (KY)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 and XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated
Consumer complaint received 2022-10-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i had no idea they also CHARGE OFF my account in XX/XX/2020 and XXXX XXXX which they did NOT inform they were doing. i would not have let that happen. XXXX broke our agreement The XXXX XXXX. which was signed into law XX/XX/XXXX. XXXX this XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX crisis. 

I made an agreement with XXXX XXXX and XXXX for payment relief before i fell behind the XXXX XXXX  Requires that the creditor to report your account as Current and good standings.
Consumer complaint received 2021-11-17
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-17
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. (TX)

I am apply under the Cares act - because of the pandemic I lost my job and unable to maintain the payment to this account XXXX XXXX XXXX Account number XXXX. Please remove the account from all three of my credit bureaus so I may proceed to improve my financial situation. I am requesting relief under the Cares act.
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VT)

For the second time in 2 years, the servicing of my mortgage has changed to another company. The servicing company is now Fay Servicing. Fay assumed the loan on XX/XX/XXXX. I attempted to reach Fay and was told I had to pursue contact through the bankruptcy dept and was given the name of XXXX XXXX as my personal account manager. I called and emailed XXXX several times over the course of a month ( emails provided ) and there was no response whatsoever. Subsequently, I called the bankruptcy dept again to complain and was able to get someone on the phone that said she was not aware of who my account manager was ; I asked to speak with the supervisor a this time. 

XXXX XXXX was the name of the supervisor provided to me. She was unavailable at the time of my call so I requested contact info on her and called and emailed her on several occasions. She did reach out on XX/XX/XXXX and left a VM. I have since tried to correspond with her and asked her to give me a short time on her calendar since she is never available when I call. This has yielded no response. 

1 ) The obvious problem is that Fay, despite trumpeting a new way of doing business responsively ( nonsense ) is unresponsive to non-responsive and I have been unable to get anyone to respond in a meaningful way such as a response to an email. 

2 ) The substance of the nature of inquiries is put forward in the emails and attachments contained within.

3 ) Briefly, I need an escrow analysis completed and have not received one yet, which well exceeds the 60 day time frame as put forth by regulatory policy. At the current level of escrow payment, including what is already credited to escrow, I would have well in advance of {$10000.00} dollars 'after ' payment of my insurance and property taxes due in XXXX. I refuse to keep paying the additional {$780.00} every month that was assessed to correct XXXX XXXX XXXX XXXX miscalculations and subsequent escrow shortage. The shortage has been reversed and I am now due a refund or crediting. I will not continue to hand Fay money that when they feel sufficiently motivated they will hand back to me. 

4 ) There are discrepancies from where the last statement from the prior service provider ( XXXX XXXX ) ended and Fay began. I have asked that this discrepancy be explained. 

5 ) I lost my job 6 months ago, but have recently been rehired. With the signing bonus I am to receive, I can bring the mortgage current. I have also been unable to communicate this point. 

I think Fay should be admonished for their genuine lack of respect and disregard for the most basic customer communication. Personal attorney in copy as well.