davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MO)

On XX/XX/XXXX claiming to be a representative for US banks fraud department called and actually called from US Bank frauds number and asked if I had a charge out of state I said no they proceeded to take me through XXXX supposedly to give me back my money but instead they took it out of my account. XXXX and then XXXX and then XXXX. XXXX was taken out of my savings account when what I thought they were doing was getting my money back as they stated. They did this using XXXX which I had never used before.I sent in the proper requirements so they can investigate and refund my money. They sent a letter stating that they were not going to refund my money. My local bank manager again sent them a letter stating this is fraudulent and please investigate again they again sent me a letter saying they will not be refunding my money back. My problem is someone called representing US Bank and the number they are calling from is US banks fraud dept phone number. XXXX is part of us banks company. I have looked into this and I am not the only one this is happened to .There are four different banks using XXXX and this has happened to customers using these banks by going through XXXX XXXX I hope this can be resolved thank you for the time it takes to read this.
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Be advised, validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : Provide original contract and not a copy of it which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor Do you have the right to collect on the debt The balance claimed as being due is calculated properly The loan has not been rendered unenforceable due to the expiration of the statute of limitations Please be further advised, I dispute the validity of the alleged debt in its entirety. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2024-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

On several occasions, I have let XXXX know verbally over the phone, and through returned correspondence on the mailings that the address for cosigner and myself have not changed and the contact info is the same. Despite all of this, XXXX ignores these statements and continues to ask for updated contact info. This happens each time I send their duplicate correspondence back. It may be part of their policy and workflow for when they scan letters into their information system that it's flagging the contact info as invalid. The company still ignores the fact that I have repeatedly stated that nothing has changed. They then become angry with me when I tell them to stop asking if my address and phone # has changed or the cosigner 's info. This is part of their broken system. If an address or phone # will change, I will diligently let them know, but they are acting prematurely in assuming contact info is invalid. They create these correspondences even after I have already gotten off of a phone conversation stating the info is valid. 

WHY WE ARE CONTACTING YOU Our records indicate that XXXX XXXX XXXX XXXX co-signed/endorsed your student loans. The address and/or telephone number we have on file for this individual may be incorrect. 
WHAT ACTIONS YOU NEED TO TAKE Please contact our office to provide the current address and telephone number for XXXX XXXX XXXX XXXX. 
Call us toll-free at XXXX. We are available Monday to Friday, XXXX XXXX. to XXXX XXXX XXXX. 
WHAT THIS MEANS TO YOU It is important that the XXXX inform us when there is a change of address or telephone number. This helps to ensure that confidential information pertaining to the student loan account is mailed to the correct address. 
This communication is sent by American Education Services ( AES ) on behalf of the creditors/owners of your loans. This is an attempt to collect a debt on behalf of the creditors/loan owners and any information obtained will be used for that purpose.
Consumer complaint received 2020-07-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (MD)

In 2015, I purchased a used vehicle from XXXX XXXX in XXXX, MD and was trading in my old vehicle. XXXX XXXX had me sign two set of documents and they told me it was because they weren't sure which bank would take my loan. In actually, one set of documents had my trade on it and the other set didn't. A week after I purchased the vehicle, XXXX XXXX called me and said the bank wouldn't take the trade and I had to come get car, but also keep the vehicle I purchased. The documents I signed didn't have my trade on it. At that point, I couldn't pay both loans and called the bank to come get vehicle from dealer. The bank ( Regional Acceptance ) refused to come get vehicle, because they said I wasn't late or behind on payments. XXXX XXXX had vehicle delivered to my house and that is where the car sat until the bank came to pick up car two months later. Prior to that, I had never missed a payment or was I late. Now this vehicle is on my credit as a voluntary repossession and me owing {$23000.00}.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (GA)

In XXXX, my husband and I were applying for a home loan. I told the lady looking into it that my credit was already ran for a hard inquiry for XXXX   and she explained to me that it would not show up on my credit as a hard inquiry but it did and I would like to know what I need to do in order to remove this from my credit report. You will see two inquires as hard on XX/XX/XXXX. If I would have known that it would in fact show up as hard, I would have not let her run it because I already let XXXX run it and knew what I was working with.Both these items will be off my credit report on XX/XX/XXXX. But I would like to take care of this one earlier by credco if possible. 

Thanks!
Consumer complaint received 2023-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made a purchase. Half a {$150.00} within XXXX XXXX, XXXX, which was the merchant canceled and flag the order because of the credit card they have now and even me on for days and days and days. Everything all persons saying something different are how many days I have to wait for? My account to reflect the money that was taken and put on hold for the merchant. They are ready to payment out of my bank account. And they are not reflecting that onto my account. Every time I talk to somebody something different. Are they hanging up on me? Each supervisor is unhelpful. They all just tell lies and different time frames. First XXXX XXXX now XXXX XXXX now. The XXXX order is not even showing that it was even made. XXXX inside took a picture of it because they couldn't tell me why that happening either to me. It seems like it's fraudulent. Activithey took a payment. Then they try to tell me that it's XXXX that has ahold of it. I've spoken to XXXX several times they gave me the transaction code twice. They never even got it to the next level. Because it was flagged aninterminated by the merchant.
Consumer complaint received 2021-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (IL)

I recently refinanced my mortgage on XX/XX/XXXX. I paid the new mortgage company ( XXXX ) on XX/XX/XXXX. However somewhere during the month of XX/XX/XXXX the new mortgage company XXXX XXXX took over. I never received the notice. XXXX XXXX is stating they didnt receive my XX/XX/XXXX payment and because my XXXX loan is closed they say the didnt receive the payment. I have proof of payment from XXXX, yet they cant get my money back. I am now out {$1300.00} and no one is getting the money returned to me. What can I do? XXXX prompts tell me the loan is closed and hang up. I have faxed them and sent a letter providing my proof is payment. Please tell me how I get my money back so I can pay XXXX XXXX. 

Thank you XXXX XXXX.
Consumer complaint received 2020-04-30
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: DISCOVER BANK (GA)

On XX/XX/XXXX, my girlfriend and I purchased a real estate course/coaching program costing us {$41000.00}. I personally used 5 credit cards, XXXX XXXX ( {$3600.00} ), XXXX ( {$6000.00} ), XXXX XXXX ( {$10000.00} ), Discover ( {$720.00} ), XXXX  XXXX ( {$8000.00} ). The remaining costs were covered by my girlfriend through her credit cards. 

On XX/XX/XXXX the company that I bought this program through, XXXX XXXX and its related entities, were placed into a Receivership and an injunction was filled against them. The injunction orders Ban on real estate-related investing or selling products and services and business coaching programs and therefore anything that I purchased through this company is no longer available to me and nothing will be delivered as agreed. As you can see this injunction was filled 5 months after my original purchase date ( XX/XX/XXXX ) and I no longer will receive all that was agreed on in the purchase agreement. 

Please visit XXXX for all paperwork and full documentation regarding this matter. 

On XX/XX/XXXX I sent a letter to XXXX XXXX in regards to this billing error with the same paper work that is attached to this current request. On XX/XX/XXXX I received a response from XXXX XXXX stating that my dispute had been declined and closed, quoting " to preserve your dispute rights, you must contact us within 60 days after the error appeared on your statement. '' as you can see, I had no control on when this happened. In addition, my girlfriend used her XXXX XXXX card for an amount {$10000.00} for the program and her case was resolved and cleared. Her dispute included the same paperwork and was put in the mail at the same time as mine. 

On XX/XX/XXXX I sent a letter to Discover in regards to this billing error with the same paper work that is attached to this current request. on XX/XX/XXXX I received a response from Discover stating that my dispute was against my favor and considered this charge to be valid. 

Furthermore, all of my other credit card disputes mentioned in the first paragraph have been cleared and taken off my account and credit score, with the exception of XXXX XXXX and Discover. I believe for both of these responses to be incorrect as I was not and will not receive any of the services I paid for with these cards. I have tried calling the companies again but they have closed these cases and will not allow me to reopen them. 

As of today XX/XX/XXXX I am still making monthly payments to both of these companies for services and products I did not receive and will not receive. It is also harming my credit score and in these tough times it also weights in my personal life. 

Thank you for your urgent help with matter
Consumer complaint received 2017-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

Hi Im having trouble with CITIBANK.   I purchased a bed on  XXXX   XXXX   2017  on  XXXX  and paid to the seller *  XXXX    in the amount of {$280.00}. The seller never shipped the bed and I was refunded the total amount on  XXXX   XXXX , going back on my  MasterCard  ending in  XXXX .   It 's taking already 10 days and CITIBANK STILL NEVER PROCESSED MY REFUND.
Consumer complaint received 2021-02-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-04-30
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. (GA)

XXXX- XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.

XXXX  -XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   reported that I applied for credit In which I never applied for. They violated my rights to have fair and accurate Information to my credit report.

My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report is violation on my consumer protection rights.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastpoint Recovery Group, Inc (AZ)

On XX/XX/20 this company did a hard inquiry on my credit which has no valid reason and was not authorized by me. This was done with malicious intent and I want it fixed and I will continue to file complaints until it is resolved. There was no reason to do a hard inquiry. If they wanted my credit report they could have done a soft inquiry to get whatever information they needed. They listed the reason as " installment loan inquiry ''. I never discussed, inquired, or authorized any type of application for any type of financial service. Further, the employee who called me violated FDCPA by harassing me, threatening me, and giving out information when no identity was verified.
Consumer complaint received 2018-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I disputed a collections account from XXXX XXXX with Transunion on XX/XX/2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

on XX/XX/15 at XXXX I sent {$300.00} through MoneyGram , sent it to the bank account of recipient as done before. On XX/XX/XXXX around XXXX, recipient called me and stated she had not receive the money. She called her bank and they research and could not locate the deposit. I called MoneyGram around XXXX, waited over 20 minutes for an associate. I was not satisfied with answer provided, asked to speak with supervisor ( XXXX ), he stated that their system shows it has been deposit, then came back and stated that there was a delay and they will have to open an investigation which will take 90 days to resolve!! They will not give me my money back until after their investigation about 90 days!! This is ridiculous, I need that money for my family and MoneyGram is not giving it back. With this situation ( pandemic ) my family needs the money for medicine and how am I going to be able to get another XXXX just like that?? I believe this is an abuse to the customers, however they are using our money but in situations like this ones at the moment it's not even humane..If there is a delay then the money is there with either MoneyGram or the bank but neither one of them can't locate it???? 
This is not fair, we all work hard to support our families and needs, I will never deal with any financial institutions like MoneyGram.. used them for years!
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I have not received the promised XXXX XXXX XXXX Advantage points for meeting the requirements of the promotion, XXXX, for my new Citigold checking account. In communications with Citibank representatives via both phone and secure messaging, they confirmed that I qualified and met all requirements in the required time frame. They promised that all points would be deposited by the end of XXXX, but no points have yet been deposited.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

I have reached out to Citi, XXXX, XXXX, and XXXX  on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow.

This account is charged off and sold to a collection agency but reporting a balance of {$2100.00} this is a violation they are reporting a credit limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing my score ....
Consumer complaint received 2018-06-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bayside Capital Services, LLC (MA)

I have received several threatening calls, my employer received them as well as family and EX family. I have repeatedly told them if they have something for me to feel free to mail it to me certified mail and I will be happy to respond but to never call me or anyone involved with me again. They have continued to call. When i confronted them they asked m in a laughing tone if I was sure I knew the law regarding what they were doing and I said I did. They mocked me and laughed and said they would continue to call.
Consumer complaint received 2018-06-19
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. (CO)

I have spoken to company, XXXX XXXX XXXX XXXX XXXX. about this incorrect information on my credit report on or about XX/XX/XXXX also sent an email on the dated XX/XX/XXXX.This information was  sent to ATTN : Customer Service and XXXX XXXX my account representative for # XXXX. 
XXXX XXXX XXXX stating that the company has decided to make XXXX XXXX XXXX XXXX., ( who is primary on this loan ) to make myself XXXX XXXX XXXX ( second position ) co-equal on this loan as of XX/XX/XXXX. XXXX has put a {$19000.00} arrears on my credit report although I have been making consistent payments on this property for over 10 years, but there is not foreclosure on property. 
I hav n't received a payment coupon book in 10 years for this loan. The interest is 10 % on this loan. My loan was at 2 %, what happened? 
I believe this was done out of retaliation due to me refusing to refinance the loan with this company after, XXXX XXXX asked me four times in the same phone call. 
Thank you, XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2022-09-11
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: EQUIFAX, INC. (CT)

EQUIFAX is in FEDERAL VIOLATIONs as well as in violation against their own Private Date Sharing Policy. EQUIFAX is in violation under 15 USC 1681b for furnishing a consumer report on my behalf the original creditor WITHOUT MY WRITTEN CONCENT. Under the GRAM LEACH BLILEY ACT EQUIFAX IS A FINANCIAL INSTITUTION so there for fall under 15 USC 6802 and 6821. I demanded EQUIFAX to respect my right to privacy and opt out of there improper reporting of the given accounts and demanded EQUIFAX to show me where I have given them CONSENT as stated in their Privacy policy to furnish on and if they could not they MUST DELETE demanded accounts. EQUIFAX HAS NOT PROVIDED THAT REQUESTED INFORMATION. EQUIFAX is in federal violation under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent use of my credit card to furnish a fraudulent report without my consent and committing IDENTITY FRAUD.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

In XX/XX/XXXX, I discovered my identity had been stolen and the account was fraudulently opened in my name. Initial fraud alert was placed in XX/XX/XXXX and my dispute was declined and I was not notified. I discovered an error on my credit report in XX/XX/XXXX with incorrect name and discovered it was the fraudulent Bank of America account that had been compromised. An individual in Kentucky had changed to a false name and charged the account over {$200.00}. I disputed again. The account was removed from my credit report, but the fraudulent name continued to appear. I received confirmation that the account was removed. I reported a third time in XX/XX/XXXX after continuing to receive statement from Bank of America for false name. The false name continues to show on my report and I have not been able to remove that name from my social security number due to Bank of Americas uncooperative actions.