davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Vital Solutions, Inc. (MO)

On XX/XX/XXXX XXXX XXXX XXXX responded with the following : which is not true and a misrepresentation ; Third, you allege Vital continues to unlawfully collect a debt. Vital received a letter from you dated XX/XX/XXXX that requested verification of the debt and requested that any communication with you or your family members should be done in writing. Vital complied with your request and sent written verification to you on XX/XX/XXXX. Furthermore, Vital also ceased collecting your account and cancelled the payment plan agreed to by XXXX xxx. Vital will no longer be contacting you or XXXX xxx about this account. I trust that this correspondence explains Vitals handling of your account and satisfies you that its actions were proper and lawful. Please do not hesitate to contact me with any questions you may have. Thank you for your courtesy. XXXX XXXX Manager of Compliance XXXX XXXX XXXX XXXX | P : ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX This Communication is from a Debt Collector. Enclosure ( XXXX ) : XXXX On XXXX XXXX, XXXX, Vital submitted an ACH payment of {$310.00} to my financial institution that successfully cleared onXX/XX/XXXX On XX/XX/XXXX Vital submitted another ACH payment of {$310.00} to my financial institution that was returned in correspondence of XX/XX/XXXX Vital did NOT comply with request nor did Vital cease collection activities. Financial institution will be providing a copy of the returned check dated XX/XX/XXXX submitted by Vital. Vital has continued to submit payments, although per the statement above per Manager of Compliance states that they had complied with request and ceased activities in turn causing financial duress. 15 U.S. Code 1692f - Unfair practices -- Violation ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. Vital also states that " After a comprehensive review of the relevant call recordings for your account, Vital respectfully denies these allegations. '' But a lawful recording of an in-person conversation requires the consent of all parties. Mo. Ann. Stat. 542.402 XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (GA)

hi my XXXX dealership got me a loan through truist bank. i have been trying to reach them all day. i have been on the phone waiting 1 hour 15 mins no answer called a bank branch and went to voice mail. i am refi my house and the lender needs the account number verify the load. and they can't proceed until they have my new account number. 
i have never had this problem with any bank before. i have already heard bad reports about this bank form other people. so far i have a very bad feeling about this bank have they never answer their calls. even call the dealership and gave me the same numbe I just got disconnected from the bank of 1 hr 35 mins what
Consumer complaint received 2017-09-09
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. (VA)

I was involved in the Equifax Data breach in 2017. I have already received calls from various potential lenders trying to follow up on my recent credit application, which was n't submitted by me.
Consumer complaint received 2017-08-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (MI)

Put offer in on XX/XX/XXXX that was accepted. Our mortgage lender XXXX XXXX started at XXXX XXXX and switched over to capital mortgage which is where our problems began. We have sent all of our documents twice and XXXX is not helping or responding to our phone calls or our emails. And does n't work past XXXX and definitely not on weekends our close date was supposed to be XX/XX/XXXX it is now XX/XX/XXXX and they are now saying 2 weeks after our first appraisal saying we need another just today. Talked with his boss who is not helping or not concerned about how XXXX has behaved. XXXX also sent me a text message with lips after I was getting upset so he does n't need to answer my questions.
Consumer complaint received 2022-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Credit Recovery, Inc. (VA)

I was receiving phone calls regarding medical indebtedness as a result of an emergency room visit to XXXX XXXX XXXX XXXX on XX/XX/XXXX. On or about XX/XX/XXXX, after checking my credit report which is an action that I perform regularly. I noticed a collection account from XXXX XXXX XXXX. My credit file indicated that the account was opened on XX/XX/XXXX, however, the collection account was newly added as of XX/XX/XXXX. On XX/XX/XXXX, I sent a certified debt validation letter to the collection agency. On XX/XX/XXXX, I received correspondence from the debt collection agency. However, they failed to validate the debt and instead provided me with a detailed account of the services, treatment, medication, personal information, and, a photo of my identification card. I know that the collection agency sending me my medical record information is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have submitted a dispute with TransUnion for reporting a Public Record Bankruptcy on my credit report and have nothing has been done to rectify the disputed information, nor provide verification of proof. On XX/XX/XXXX, I spoke with a representative XXXX that stated that my previous letters were noted however, no action was taken except to send me an updated copy of my report showing the exact same thing that was on there before. 
I sent certified dispute letters to TransUnion dated XX/XX/XXXX and XX/XX/XXXX and nothing was done. On XXXX, I had to start an entirely new dispute all over again. And per XXXX as of XX/XX/XXXX they had, had no verification that the public information being disputed by me was indeed correct. I had till XXXX, to receive a response from their investigation and pending the result will delete the derogatory information from my report. However, When I called to inquire how long before they removed the derogatory information, public record and the 2 derogatory information being reported they claimed that it will not be deleted and I can submit another dispute again. I 've submitted disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time I 'm told to submit new dispute all over again and wait 30 days. I think I have waited more than enough 30 days, and would like this issue rectified immediately.
Consumer complaint received 2017-09-09
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. (NJ)

Equifax was negligent and allowed the leak of my personal information ( such as birthday, SSN, address, and more ) to an unknown amount of people. They waited weeks before alerting me that my info may have been leaked, and they did not take the necessary precautionary measures to prevent something like this from happening.
Consumer complaint received 2017-09-09
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)

On XXXX XXXX, XXXX, I learned that I was among the millions who had their data compromised by the Equifax hack. The massive leak was discovered on XXXX XXXX, but reporting took over a month. 

Equifax has offered a protection service, but included an arbitration clause, which I am unwilling to agree to at this time. 

I have ( through another reporting service ) placed a 90 day fraud alert on my file, in case the worst happens. 

I understand that Equifax was the victim of this hack, but their sole job is to keep consumer information safe and secure.
Consumer complaint received 2017-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

My account with Coinbase is restricted and is currently shown as negative ( -XXXX ) due to problems with my bitcoin buys from my XXXX XXXX credit card. Coinbase is not responding to my support requests. This problem was because two purchases were mistakenly disputed ( I have alot of purchases and mistakenly did not recognize two of them ). One was for XXXX and the other for XXXX The dispute of XXXX was ultimately found in ( coinbase ) favor and it was recharged to my credit card account. The other dispute of XXXX is still pending. Since the dispute was settled in their favor my account should be negative ( -XXXX ) and not negative ( -XXXX ). Due to Coinbase restricting my account I am unable to access bitcoins currently worth {$170.00} already in my Coinbase wallet because they want me to pay -XXXX instead of -XXXX. If they want me to pay XXXX to regain access to my account that is fine. However, they are trying to double bill me by saying my account is negative XXXX. Attached is proof that the XXXX was rebilled to my account. The first attachment is a secure message from capital one saying coinbase won the dispute and that I was re-billed. The second attachment is my actual credit card statement showing I was successfully re-billed.
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION ()

I found a house for rent in XXXX XXXX XXXX  ad on XXXX  ( containing photos, videos, details and a real address ) that I contacted. 
This person with the email : XXXX sent us a rental contract that we signed and then asked us for a first month 's rent plus a deposit for a total of {$2300.00}. Once the sum was paid, this person disappeared with our money. 
This person presented to us with an existing license number, XXXX license XXXX : XXXX and with the name of XXXX XXXX so we had no doubts about the veracity of the announcement. Apparently this is identity theft. 

This person initially asked us to make the payment to the " owner account '' with these data : Bank name : XXXX Bank Account name : XXXX XXXX XXXX Account number : XXXX Routing number : XXXX While then he changed the data to make the payment, so finally we did it to the " owner 's assistant '' bank account : Bank name : SunTrust Bank Account name : XXXX XXXX XXXX Acct # : XXXX Routine : XXXX Holder 's address : XXXXXXXX Georgia, XXXX XXXX XXXX : XXXX Bank address : XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX
Consumer complaint received 2017-08-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC (SC)

Me and my family are getting called repeatedly by Forward Movement Recovery ( XXXX ) for an online payday loan that i have never taken out. They are threatening to call my employer and threatening to call the police. I believe this is some sort of scam to steal personal information. The debt is not valid. And they will not send proof of debt or identify the who is original owner of this debt.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

After several online disputes with XXXX XXXX XXXX for validation of debt pursuant to 15 USC 1692g, and removal of outdated information pursuant to 15 U.S. Code 1681c, XXXX XXXX XXXX continues to report outdated, unverified information to Equifax. from 2014. See attached. Additionally, there is no verification or validation whatsoever that this account was included in a bankruptcy for which I have an additional complaint pending with the CFBP. 

I want XXXX XXXX XXXX to immediately and permanently delete this account from my credit file.
Consumer complaint received 2021-02-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020 I was to receive a refund in the amount of {$200.00} to my credit card following a car rental with XXXX but because my credit card was cancelled by the Bank of America due to my card being compromised the refunded never made it back into my account. Bank of America then pulled the amount from the vendor returning it to me stemming an investigation. XXXX turned in incorrect documentation stating that a refund was issued in the amount of {$200.00}. I then submitted documentation that the refund of {$200.00} that was issued by XXXX was for a prior rental. I have sent in several supporting documents to prove that I am entitled to a refund of {$200.00}. Yet both XXXX and Bank of America has yet to make good on returning my refund amount of {$200.00} and has just ignored the situation all together.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

I closed my account with XXXX XXXX in XX/XX/XXXX, and I returned my equipment in XX/XX/XXXX. I had a bill with XXXX XXXX  that I did not pay and they gave my debt to XXXX XXXX XXXX. I paid a balance of {$330.00} to XXXX XXXX XXXX, and this balance was paid off in XX/XX/XXXX. Somewhere between XXXX XXXX XXXX sending my paid in full balance to XXXX XXXX, XXXX XXXX  gave my account to I C Systems in the month of XX/XX/XXXX for the balance of {$290.00}. I made several calls, and I sent all the paperwork they requested to the I C System and the same with XXXX XXXX. I have disputed this account several times. They are all refusing to comply and accept that I paid off my debt for my XXXXXXXX XXXX services to XXXX XXXX XXXX. 

Please help me with this matter. I am cleaning up my credit, and now this is on my credit report under collections.
Consumer complaint received 2017-09-09
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. (CO)

Due to Equifax 's negligent security practices, my name, SSN, DOB, full addresses, credit card numbers, and driver 's license number have been stolen, and are now public data, opening me up to identity theft and putting me at great personal risk, inconvenience, and potential expense. This is a breach of not only my trust, but of 150 million people. I 've placed Initial Fraud alerts with each of the 3 bureaus.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GRANITE STATE MANAGEMENT & RESOURCES (MA)

On XX/XX/XXXX I became legally XXXX according to Social Security XXXX. I contacted XXXX when the final decision was made at XX/XX/XXXX in XX/XX/XXXX and in XX/XX/XXXX, XXXX approved a Discharge due to XX/XX/XXXX on my student loans from XXXX and Granite State Mangement, both XXXX and GSMR agreed to the discharge. 

In XXXX XXXX XXXX also discharged my private student loan through XXXX. 

I pulled my credit report from XXXX and XXXX in XXXX and XXXX is listed with three discharged loans, the two federal school loans from XXXX and Granite State Management and private school loan from XXXX. 

My credit report in XXXX also showed XXXX and XXXX paid. But Granite State Management status is listed as Open as Unknown. I called Granite State Management and their customer service states, " Yes, the loans show here as paid. The discrepancy will clear up next month, because there is a backlog in reporting and updating status information. '' I called again last week and Granite State Management repeated the same and said they were not obligated to clear it up now. I complained to XXXX,  XXXX and XXXX and they say I have to get Granite State Management to clear it up.
Consumer complaint received 2017-08-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I disputed two XXXX tax liens on my credit report that do not belong to me but the credit bureau verified the info as correct despite the tax liens not containing my full social security number or date of birth as now required.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2024 Subject : Dispute of Inaccurate Account Information on My Credit Report Credit Breau I am writing to formally dispute inaccurate account information that is being reported on my credit report. Upon reviewing my credit file, I have identified discrepancies in the account information that do not reflect my financial history accurately. I request a thorough investigation into this matter and the prompt correction of any errors present on my credit report. 

Details of the Inaccurate Account : Creditor Name : Consumer cooperation credit union Account Number:XXXX  Inaccuracy : Its a car loan from XXXX XXXX XXXX and it do not belong to me and need to be removed immediately. This is causing punitive damage I want to emphasize that the information reported regarding the aforementioned account does not align with my financial records. This discrepancy is concerning as it may negatively impact my creditworthiness and financial opportunities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request the following actions : Conduct a comprehensive investigation into the accuracy of the account information in question. 
Verify the legitimacy of the reported account and provide documented proof of its accuracy. 
If the information is found to be inaccurate, promptly correct the information on my credit report. 
I expect this matter to be handled with the utmost urgency and accuracy in compliance with the FCRA and other applicable laws and regulations. 

Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the inaccuracies on my credit report. You may reach me at [ Your Phone Number ] or via email at [ Your Email Address ] if you require any further information or documentation regarding this matter. 

Thank you for your prompt attention to this dispute, and I anticipate a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VA)

This Chase account was opened through my Amazon account ( introductory offer which saved money on the purchase ). The balance was paid in full on the next statement ( XX/XX/20 statement ). 

Then started receiving debits for XXXX XXXXXXXX on this statement ( XXXX & XXXX ), which was paid on the XX/XX/20 statement ( even though I did not want these services ). I called to cancel services and was on hold for an hour ( 58 minutes to be exact ) and was disconnected by Chase during the transfer process. The account is now starting to receive late fees ( {$39.00} ). 

On the XX/XX/20 statement, started receiving XXXX XXXX charges ( XXXX ) in addition to the XXXX automated debits. I DID NOT ASK FOR ANY OF THESE CHARGES TO BE APPLIED TO THIS ACCOUNT AND CAN NOT GET ANY HELP TO REVERSE THESE CHARGES. 

I finally was able to speak with someone and they want to treat as fraud? This is not a fraud issue. The charges from the partnership with XXXX need to be reversed. I even had to speak with XXXX to have their charges reversed. 

In short, I could not get all fees reversed and fees waived and can not get someone from Chase to assist in resolving this issue. The balance is entirely XXXX fees/late fees and interest. I have never experienced such a bad customer experience. I have now received a charge off letter
Consumer complaint received 2017-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (VA)

Cavalry has been reporting erroneous debt information on my credit report and refuses to validate the debt. I have contacted them numerous times, most recently on XX/XX/XXXX and XX/XX/XXXX and still have not received validation and they continue to report and resume collection activities, all in clear violation on the law.
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

Ocwen holds our 2nd mortgage on our home.Our bill was ALWAYS due on the XXXX of each month. Even tho I always paid it w/in the grace period, Ocwen would call and pester me about the payment.  So,  I worked REALLY hard to get to where I could pay the bill paid ahead of time to avoid the calls.  Then, suddenly,  w/o warning, Ocwen changed the due date to the middle of the month.  Once again I worked to get the bill paid 2 weeks BEFORE it's due date and now, once again the due date is changed to the XXXX of the month.  My payment was due XX/XX/XXXX, I sent a check on XX/XX/XXXX which Ocwen got on XX/XX/XXXX. NOW I have a bill that says it's due on XX/XX/XXXX! 2  weeks between due dates???  I called customer service and was told in about 10 days they will email me about my inquiry/complaint!  WHY IS THIS COMPANY PUNISHING ME FOR PAYING MY PAYMENT EARLY???  On top of their predatory loan interest rates, it apparently takes them over a week to provide customer service.  WHY??? I have yet to have one positive experience when dealing w/this company.
Consumer complaint received 2021-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Several of the Bureaus have not responded to me at all on this issue however, XXXX specifically claims to have verified information that does not belong to me and I know can't be verified because I contacted the source of the information that they have listed on their website and they are not reporting this information nor can they verify it. 

The information that I am referring to is the item " XXXX XXXX Bankruptcy ''. 

Transunion and XXXX have completely ignored my request with XXXX communication to me. I am attaching supporting detail here as well that shows there is no Bankruptcy on " XXXX XXXX ' " Consumer Report for me. XXXX XXXX is the Agency all of which use to verify such information per their very own websites.