davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

I have two direct deposits from my employer to my checking account with Citibank that are not in my account. I have worked with my employer, XXXX XXXX XXXX, to find out what happened. They have given me trace numbers for these deposits and stated that the money is in Citibank. Citibank refuses to help me trace the funds. Now they are charging me overdraft and returned check fees in the amount of {$120.00} and have the nerve to have their collections department call me. 

The first missing deposit was made on XX/XX/XXXX in the amount of {$180.00}. The trace number given to me from my employer 's bank, XXXX XXXX XXXX, is XXXX. The second deposit was made on XX/XX/XXXX in the amount of {$380.00}. The trace number from XXXX for that deposit is XXXX. 

Citibank has told both my employer and myself that the deposits may have been put into another account. Yet they refuse to trace it and make it right. I have asked to speak with the ACH department but no one can connect me. 

I am beyond frustrated at this point. I have a cut off notice for my light and my auto insurance has lapse. I don't have a lot of money so I need for them to find my money and credit back my account the overdraft fees.
Consumer complaint received 2021-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

One of my loans serviced by AES was paid off in XXXX XXXX. It was reported paid off to both credit bureaus and to the federal student loan database as paid off at that time.As of XX/XX/XXXX, I no longer had any balances on any loans serviced by AES. The app and the website for my account indicated all my balances were XXXX. Three months later in XX/XX/XXXX, AES resent a loan payoff letter indicated XXXX loans were paid off but now there was an XXXX balance on the loan paid off in XXXX. The balance was not available to me and I was not made aware of it. I do not believe it is an accurate balance. Customer service told me 1 ) that it was my error that I paid ahead and cause it to drop off their system so they didnt tell me it had a balance 2 ) I was told that there had recently been some rearranging of past payments on my account so that AES could make the balance have a bill. All of my payments in recent years have been targeted and should not have had any rearranging. This balance didnt exist on my account for over 2 years and now that I completely paid off my loans, AES came up with a balance.
Consumer complaint received 2022-11-17
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. (FL)

I went to the dealer to check some cars and the seller told me to check if I was pre approved, he told me he would not pull my credit, It was just a soft pull. 
today I checked my credit there are many inquiries that I did not authorize, I did not signed for. 
Equifax : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX ALLY XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX BANK XXXX XXXX ) XX/XX/XXXX 2021
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/2021 I had to take my daughter to XXXX XXXX XXXX XXXX for an emergency room visit. Since that visit, I have received monthly statements from XXXX XXXX, who I pay through their automated patient portal bill pay. In the patient portal I see billing for my daughter 's visit as well as my own medical bills. 

As of today, XX/XX/2021, I received a collection notification from Healthcare Revenue Recovery Group ( HRRG ) ( ref. # XXXX, letter dated XX/XX/2021 ) on behalf of FL XXXX XXXX XXXX XXXX XXXX ( Account # XXXX for {$160.00} ). 

I called XXXX XXXX XXXX and I was told that the emergency physician was XXXX XXXX and that he was with XXXX XXXX XXXX XXXX ( I do not recognize Florida XXXX XXXX XXXX XXXX XXXX XXXX ). According to XXXX XXXX, billing for the physician would be done by a separate XXXX XXXX team and that all bills would be displayed in my XXXX XXXX account with a specific 'access code ' for each bill. No additional bills were submitted outside of my daughter 's original bill, that I can see in the XXXX XXXX patient portal. 

I tracked down a number for Florida XXXX XXXX. XXXX XXXX XXXX and was directed to a company called XXXXXXXX XXXX ( XXXX XXXX. I called XXXX XXXX and asked why I was receiving a collection notification since all of my billing was done through XXXX XXXX and I never received a bill or any calls that I had any outstanding, unpaid balance. The XXXX XXXX customer service person told me their process is to send a statement and if they do not receive payment they send the account to collection. No phone calls are made. I explained that I was never made aware of any debt and that I should not be sent to a collection agency. I was told to call the collection company and make a payment. I asked to speak to a supervisor/account manager regarding this issue because I did not understand how I could be sent to collection for a bill that I never received. I was told someone would get back to me, I am still waiting for that call. 

I do not acknowledge this debt nor the company that has erroneously sent me to collection.
Consumer complaint received 2020-11-23
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. (FL)

I have discovered information in my credit report, which is not mine. I would like to immediately dispute and have investigated. I think that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am filing this report because today XX/XX/2020 I tried to refinance my car and I was unable to do so because there were many accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit report because none of those accounts belong to me and I did not allow anyone to open those accounts in my name. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission buy I have already filed a police report. I do not have any written/verbal contract with any of these companies and I did not allow them to run or access my credit information.
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am writing about the following account with Capital one : account # XXXX XXXX XXXX XXXX, credit limit {$3200.00}, opened on XX/XX/XXXX. 

Im an XXXX XXXX member of the US Armed forces, and I just want a fair solution to this problem. I have an excellent payment history with Capital one.

several violations and the negligence of Capital one. There is a 60 days late payment on XXXX XXXX reported on one of my Capital one accounts. They were saying it was a day late. Capital One misquoted me on the phone and gave me the wrong payment amount and due dates, as the phone app was glitchy and was not allowing me to make payments and see balances neither setup auto payments. 

My request is to get both XX/XX/XXXX and XX/XX/XXXX late remarks deleted. I hope we can solve this as soon as possible, however I am willing to get to the end of this situation and file a suit against Capital one if they deny my request. 

Thank you.
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (LA)

I was with Chase bank for 15 years My husband fell ill and needed my physical assistance. This illness eventually led to his XXXX. As a result we suffered some monetary loss. We fell behind on our payments but each time was able to reinstate our loan. I notices we were being charged for items not on my bill so I would question Chase Bank and after the loan was reinstated a few months later they would mail me a check. One of the most current times is the forms I have uploaded. I have uploaded the documents to illustrate how the fees would change for the same purpose.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have mailed numerous letters pertaining to my credit report and the incorrect information reported in it, to no avail have I received responses from the credit reporting bureau agency Experian. It has been over 60 days since I sent the first request via certified mail with return receipt to investigate into my credit report. The first letter sent to this reporting agency was XX/XX/2020 ( I will include these receipts ).
Consumer complaint received 2021-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hillcrest Davidson & Associates (TN)

I noticed that Hillcrest and Davidson Associates had reported negative information on my consumer report which is hurting my credit score and stopping me from purchasing my dream home. I sent a request of validation on XX/XX/2021 as well as a cease and desist letter along with an affidavit of truth on XX/XX/2021. They received this information on XX/XX/2021. On XX/XX/2021, they sent a letter that violated 15 USC 1692c ( c ). They were still trying to collect through the mail ( mail fraud ) after I sent my cease and desist. On XX/XX/2021, I sent another letter stating the 15 USC 1692c ( c ) and reminded them that the only reason that they should contact me is to make me aware of my remedy for injury. According to 15 USC 1692k ( a ) ( 2 ) ( a ), FDCPA violations are up to {$1000.00}. 15 USC 1692d ( 1 ) was violated because of the injury to my reputation. My consumer report is reputation ( 15 USC 1681 ( A ) ( 2 ) ) and this has hindered me from progressing with my goals. 15 USC 1692j ( A ) was violated. Furnishing my information without my consent is furnishing deceptive forms and identity theft. 15 USC 1692f ( 1 ) is another violation. I've never contracted with Hillcrest and Davidson Associates. There is no agreement between us to authorize this alleged debt. Last, they violated 15 USC 1692c ( c ) by trying to collect the alleged debt after the cease and desist letter was received.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-05-30
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: Experian Information Solutions Inc. (GA)

On XX/XX/21 XXXX XXXX XXXX pulled my report from XXXX XXXX then the same company XXXX XXXX XXXX XXXX XXXX same company ) pulled a hard inquiry under XXXX XXXX on XX/XX/21. This company pulled my credit twice less then 30 days under two different 3rd party companies - one under XXXX XXXX and the other under XXXX XXXX. This has resulted in two hard inquires on my Experian, XXXX, and XXXX  credit reports. One pull was authorized the second pull was not authorized.
Consumer complaint received 2018-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: MARINER FINANCE, LLC (AZ)

On XX/XX/18 I contacted Mariner Finance in writing due to the incorrect item that is being reported on my credit report. I formally disputed the item in which they are reporting due to the wrong amount owed, and I do not recall getting a loan with this particular creditor. However, I did not receive a response to my dispute ; nor was my credit file updated to reveal and indicate that I disputed the item that is being reported.
Consumer complaint received 2022-11-17
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. (NJ)

This Complaint is being submitted through the CFPB to inform Experian that I am a victim of identity theft and the account I am disputing does not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXXXXXX XXXX & financially... and I would truly not what to pursue a legal remedy... Please delete this ASAP XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-10-21
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: CORELOGIC INC (AZ)

I have not applied for anything and there was this inquiry for today on XX/XX/2021 and wanting to dispute it please and thank you i would greatly appreciate it the inquiry in under Credco
Consumer complaint received 2021-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/21 XXXX XXXX XXXX pulled my report from XXXX XXXX then the same company XXXX XXXX XXXX XXXX XXXX same company ) pulled a hard inquiry under XXXX XXXX on XX/XX/21. This company pulled my credit twice less then 30 days under two different 3rd party companies - one under XXXX XXXX and the other under XXXX XXXX. This has resulted in two hard inquires on my XXXX XXXX and Transunion credit reports. One pull was authorized the second pull was not authorized.
Consumer complaint received 2021-05-30
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: Experian Information Solutions Inc. (GA)

On XX/XX/21 a hard inquiry from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX from XXXX XXXX XXXX pulled my report for a mortgage application however in less then 30 days they pulled my report again on XX/XX/21 for the same company. This resulted in 2 hard inquires on my XXXX, XXXX and Experian reports. I have tried to resolve this issue by calling XXXX XXXX however the two inquires are still showing on all three of my reports. The second time my credit was pulled was less then 30days and without my approval. This has effected my credit score.
Consumer complaint received 2021-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/21 a hard inquiry from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX from XXXX XXXX XXXX pulled my report for a mortgage application however in less then 30 days they pulled my report again on XX/XX/21 for the same company. This resulted in 2 hard inquires on my XXXX, Transunion, and XXXX reports. I have tried to resolve this issue by calling XXXX XXXX however the two inquires are still showing on all three of my reports. The second time my credit was pulled was less then 30days and without my approval. This has effected my credit score.
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

Hello, Im writing to see if you can advocate on my behalf to Moneygram that I receive a refund for a transaction that they are holding funds for. They will not liberate the funds in the receiving country of XXXX and they are also refusing to refund that money to me as a sender until 90 days from now. This has to be illegal since they shouldnt have the right to hold funds for 90 days if the transaction can not be completed. 
I initiated a transaction with them on XX/XX/21 they withdrew the money from my XXXX  checking account the same day in the amount of {$2600.00}. 
They dated the transaction as processing on XX/XX/21 and sent an email saying funds were available to claim in the destination country of XXXX. 
They did not send any further communications and by the end of business on XX/XX/21 I called to ask where the money was. They proceeded to tell me that there was some sort of verification process I had to go through and that funds would be deposited within a couple of hours or up to 4 business days. 
I called yesterday, XX/XX/21, by the end of business to inquire about funds. They said there is an investigation pending and that it would take up to 90 days. 
I replied that it is unacceptable and to cancel the transaction to which they refused and said they would make a note of my preference and I had to wait and see. 
They also proceeded to blame the receiving bank in XXXX, who I contacted, and confirmed that they have absolutely nothing to do with Moneygram holding the money and that all they do is pay out the cash or deposit to account. They are not responsible for compliance nor liberating funds when they have been flagged. To this effect, Moneygram, is lying or ill-informing their employees on what to say. 
The money I sent is not money from illicit sources. I am a glass business owner and it is my salary. Moneygram should not be allowed to hold a customers money however long they want. These are funds that people send out of need not something to be played with. 
Please contact Moneygram on my behalf and demand that Transaction # XXXX be cancelled and refunded immediately.