davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Flagstar Bank, N.A. (IN)

My original complaint with CFPB # XXXX. My mortgage company has had a check for {$10000.00} for over a year. The money is for my roof to be repaired on my primary residence. They contacted me on XX/XX/24 right after my first complaint was filed with CFPB. My contractor and I responded the same day with the required paperwork. Since then not only has there been no response but my online files are no longer there. The same link that my files are supposed to be they have an email option. I tried to email and it stops you on the tracking #. The only option that comes up is the word " select '' so it's impossible for anyone to send an email. 
Every time it rains my roof leaks. They have had my money to fix it over a year. I have emailed, faxed and uploaded the required documents several times with no success. I'm including screen shots of all the info i just gave you. Please help!
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it paid in full. Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in 2009 in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want.
Consumer complaint received 2021-10-29
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. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? Fix this immediately.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have called and sent in letters to all 3 credit bureaus XXXX, Equifax and XXXX XX/XX/XXXX and XXXX 2022 by phone, I also sent in dispute letters on XX/XX/XXXX, asking that all incorrect names, addresses, phone numbers, spouse and employers be removed. I have also asked for them to verify accounts that are on my credit report because they aren't my accounts as I have been a victim of identity theft twice. The credit bureaus have failed to do so, and it has hurt me in getting approved for housing and other credit due to inaccurate information being reported. 
They have failed to verify accounts and remove all incorrect information. I have also asked that any correspondence be sent by mail and they have ignored that request.
Consumer complaint received 2022-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Capio Partners, LLC (NJ)

I dont know about unrecognised charges in please. I need to take that out of my account as I dont know nothing about this.
Consumer complaint received 2022-11-08
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: SYNCHRONY FINANCIAL (GA)

On XX/XX/1922 I received correspondence from PayPal about a credit card that was applied for on XXXX. I immediately called them to inform them that someone had applied for this card in my name and that it was fraud. PayPal informed me that they would be contacting the credit agencies to inform them that the inquire placed on my consumer file is fraud and it needs to be removed. They also stated that they opened a fraud dispute. As of today XXXX PayPal is still reporting this fraudulent inquiries on my consumer credit files. I reach out to them again last week and the agent stated that they needed to open a fraud dispute. I don't understand why they are telling me that they are opening a fraud dispute again if one was suppose to have been opened on XX/XX/XXXX when I called them.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Certegy Holdings, LLC (KY)

Please see CFPB complaint XXXX which was closed after Certegy represented that it would provide me with the requested information. It did not. Again, this dispute began when I tried to make a purchase from the XXXX calogue. After Certegy rejected my check I attempted to obtain an explanation for its actions by calling their phone line. I thereafter contacted the website. Finally, I contacted Certegy in writing. On each occasion Certegy refused to provide me with an explanation for its adverse action unless I disclosed my Social Security Number and Driver 's License Number, neither of which were available to Certegy at the time it rejected my check. Certegy continued to demand the unrelated PII in response to my complaint with the XXXX XXXX XXXX. Finally, after my CFPB complaint pointed out that it appears that Certegy is randomly rejecting checks in order to collect a PII data base, Certegy purportedly agreed to provide me with an explanation as to why it rejected my check. However, Certegy 's explanation is meaningless, advising me that the rejection of the check and interference with my financial transaction with XXXX could have been based on " the check number, dollar amount, check-writing history or other transaction details. '' Such a response, along with Certegy 's assurances to CFPB that it would provide me with an explanation as to why my check was rejected makes a mockery of the Complaint process. If it is not within the CFPB 's jurisdiction to investigate Certegy 's misconduct, I would be grateful for a referral to the appropriate agency.
Consumer complaint received 2017-01-17
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Triton Management Group, Inc (SC)

Took out a personal unsecured small loan to taske are of some medicine that my husband, whom I 'm so very proud of, obtain his pain medications for the month when his XXXX would fill up. Dealt with this. Company before and i should have know better but I went ahead with it bc i did n't know how I was gon na make it for ghe the month anyhow?? So I went back to a loan company that I said I would never deal with again but at that particular time I did n't have a choice. After realizing I had signed that permission paper again I called and made sure that I knew what to do when I needed to stop it any future debits. The loan place hit my bank account on the XXXX of the following month on the XXXX with the due date on XX/XX/XXXX!! So I called the store manager on XX/XX/XXXX and she was really nice over the phone. So I stopped by there to find out what happened and she explained that she had been on vacation that week it happened and she was even kind enough to show me on the form I had signed that I had the right to revoke that authorization by just telling them or writing them. So I XXXX her right there that I no longer have the permission to access my bank account and she said ok and she said she would make sure it would n't happen again. She said she had never taken vacation on the XXXX bc people usually messed something up. So the next month comes due so I get some cash out to pay it due to the fact that they do not accept personal checks, and other forms of payment. So on XX/XX/2016 they hit my account again that ended up costing me an additional XXXX NSF charges that was {$76.00}!! I called the home office and asked to speak with someon n management and a very nice lady named XXXX helped me by taking down my info and my complaints and assured me that her boss would receive an email explaining what happened. On XX/XX/2016 I personally went to my bank and asked for their help and they suggested I rip that debit card up and order a new one. 
Did they breach the contract by continuing to take unauthorized debits?
Consumer complaint received 2021-10-29
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. (WA)

I was defrauded by a moving company. On XX/XX/2021, I opened a dispute with Citibank about a transaction made by the moving company. Citibank didn't give me chance to submit any supporting documents or collect any information from me to hear my side of the story. Instead, on XX/XX/XXXX, they ruled against me. This is not how credit card disputes are supposed to be investigated.
Consumer complaint received 2022-07-08
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. (SC)

I have spent too much time trying to get an answer from the credit bureaus for the letters I have sent and they have not answered me. I need to remove everything negative from my credit
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (NY)

My cable company took money out of my account. I was charged 2 insufficient fees. I put in a dispute, and the customer services reps have told me repeatedly that the provisional credit would be in my account in a matter of days, and the 2 fees would be as well. None of this has happened, and its been 8 days. I spoke with XXXX in XXXX, NY, she was a Complete XXXX to me, and I disconnected the call. I called again yesterday and today, and have gotten nothing but RUDE people NOT WILLING TO HELP ME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I AM NOT DEALING WITH THIS ANYMORE!!! I am a XXXX, have no money right now, and I am a Single Parent, who DOES NOT RECEIVE ANY CHILD SUPPORT!!!!!!! XXXX was the last Supervisor I spoke too. He was mean, and was arguing with me!!! I am not dealing with this. Something better be taken care of soon, or I am reporting this bank to the XXXX, and the XXXX!!!!!!!
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION (DE)

I had an account with M & T bank ... I disputed a {$1000.00} charge in XXXX ... they gave me a provisional credit ... later reversing their decision in XXXX ... however I went to court in XXXX ... the judge ruled in my favor ... I feel like M & T bank wrongly released funds ... I now have a {$51.00} charge off my credit ... .which I feel I would n't have if they had n't been prejudice to my situation ... and me as an individual ... after working with the attorney general 's office ... they directed me to the bank to recoup my funds and M & T bank advised me that they can not help me to do so ... .even though they filed my dispute incorrectly. So I feel like M & T bank has failed me ... and now ca n't even help me..after they made a mistake
Consumer complaint received 2022-09-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hollis Cobb Associates (GA)

PATIENT ACCOUNT BUREAU. A medical debt was sent to collections. We have started paying {$150.00} a week. But since we aren't paying them the {$270.00} a week they wanted for auto debit, they say that they will continue to call. 

I have asked them to stop calling as we are paying down the debt. They say because we are mailing the payment in and not going through " their system '' they cant stop calling. And every time I call they ask for more money than we are already paying. 

Is this legal? We feel as if it is harassing.
Consumer complaint received 2022-09-12
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. (TN)

You have lied to me about the accuracy of my credit report. The collection agency said they sent the correct details which they didn't verify. They blame you for inaccuracy of my credit report. You need to understand the U.S Federal laws while operating in the U.S. I have attached the CFPB complaint of them Collection Company statement. If you have conducted a reasonable investigation. LETS READ ABOUT A REAL INVESTIGATION. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. YOU HAVENT CONTACTED ANY OF MY NEIGHBORS WHICH I HAVE THEIR STATEMENT FOR PRROF IN COURT. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit report. You should have seen the mistakes of the Date Opened. Why the date Opened on XXXX XX/XX/XXXX, XXXX & Equifax says XX/XX/XXXX. This is very misleading information which you know are errors on my credit report. The banks think this account not accurate. I recommend you delete this error. I can speak with my Attorney General, but I am trying to resolve with you Politely. I advise you to give this matter to your Collection Manager so he or she could read the following statement since you failed to do so. I just want to know how you could report to XXXX & XXXX Date Last Reported XX/XX/XXXX, & Equifax XX/XX/XXXX? Like Which Date Is it? Second Violation. You also reported Date Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and Equifax XX/XX/XXXX. This ridiculous you continuously to break the LAW. They must match across all three which they don't, SO DELETE THIS COLLECTION. READ THE ATTACHMENT & ANALYZE & DELETE DUE TO YOUR CARELSS MISTAKES FOR 2 YEARS.YOU HAVENT CONTACTED
Consumer complaint received 2022-09-12
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. (AR)

Hi my name is XXXX XXXX I originally filed a dispute on XX/XX/2021 I asked to have the following information deleted off my file. The items I need deleted are listed in the report. 
they have not been able to identify the items, they ignored my request to provide me with the documnts that they have on file that verifies the accounts I am disputing. This is my 2nd time trying to correct the situation. This is really holding me back from being able to get a new family car ; XXXX XXXX XXXX XXXX XXXX It is really important to me and my family that I am able to get this corrected as soon as possible
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (GA)

I signed up for a Brinks XXXX Mastercard and I never received my card. 

I have called several times to receive a replacement card, so that I can activate my account and use the card. In fact, when I called for a replacement, I was told I cant be issued a replacement because I cant verify my card number, but I never received a card. So it makes absolutely no sense. Then I am told that I owe {$9.00} for account inactivity and either I am hung up on or placed back to the circular automated line. 

I just want to receive a card so that I can use it and have the negative balance waived, sine I never received the card.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I contacted Barclay Bank and notified them that my credit card was used without my consent. I became aware of the fraud charge after Barclay Bank reported to my credit report that I was 30 days late making a payment. I asked them to remove the 30 days late and they refused over the phone conversation on XX/XX/2021 and XX/XX/2021. 

The charge was made by an online company called : XXXX
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Recovery Services, LLC (FL)

On XXXX XXXX, 2017 I received a notification of a debt that is owed. When I search the Florida database regarding this company to collect a debt from me they are n't licensed in the state of Florida. This company is in Louisiana. I have not received a detail of the original debt to show this is owed.
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (NJ)

PRESENTED A CASHIERS ( BANK CHECK ) ISSUED BY TD BANK FOR DEPOSIT INTO A WELLS FARGO BUSINESS CHECKING ACCOUNT. WELLS FARGO INDICATED THAT IT WILL TAKE 10 DAYS TO CLEAR. 

HAD TO RETURN TO TD BANK AND DO A WIRE TRANSFER FOR WHICH I WAS CHARGED FEES BY TD BANK AND WELLS FARGO. 

WELLS COULD NOT CLEARLY DEFINE THEIR POLICY ON ACCEPTING BANK CHECKS. I HEARD A FEW DIFFERENT THINGS FROM WELLS AS TO WHY OT TAKES 10 BUSINESS DAYS TO CLEAR A CASHIERS/BANK CHECK : 1. THE WELLS ACCOUNT THAT THE CHECK WAS BEING DEPOSITED TO WAS ONLY 7 MONTHS OLD.

2. THE HOLD IS DETERMINED BY THE LOCAL BRANCH MANAGER.

3. TELLER WASN'T SURE WHY THEIR WOULD BE A HOLD. 

BRANCH LOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX
Consumer complaint received 2016-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc. (MN)

I am receiving harassing and threatening telephone, and death threats from representatives from Stellar Recovery , Inc., in regards to an account that do n't belong to me and is the result of identity theft. I am a victim of identity theft and the account do n't belong to me.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-11-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (TX)

I refinanced my XXXX with my local credit union and payed off account # XXXX with exeter finance on XX/XX/XXXX. I was told the account would show as closed with 30-45 days. This account shows as open with all XXXX credit bureaus still and because of this my credit score has taken a beating. I own XXXX cars with XXXX vehicle loans now which affects my debt to income ratio. Exeter needs to get it together and close this account immediately. Please assist. Thank you.