davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX i had a major XXXX accident where i had to be taken to the XXXX, before that, in the accident site someone stole a few of my belongings from the vehicle, including my wallet, the thief used my debit card from Citibank, fraudulently, i have already contacted police and an arrest will be made in connection with this unauthorized use of my card. 

I have also contacted my bank, and they have done a horrible job, the case was denied and closed within XXXX hours after being opened, they didnt even review the case or even paid attention. 

I have been trying relentlessly to recover my hard earned money, i have sent citibank numerous pieces of evidence to show them i was a victim, they are not doing the proper research and i am already hiring a XXXX 

Please help by creating a case as i will need this for XXXX XXXX, per their request.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

On XXXX XX/XX/2021 XXXX XXXX of XXXX XXXX submitted a sworn statement to the Attorney General Office for Michigan, AG No. XXXX, that XXXX was reporting my account as paid in full. It has been a full reporting cycle and XXXX is still reporting my account as having a {$810.00} balance. 

XXXX XXXX knowingly submitted a false statement to a governmental agency, and due to the severity of this. I think its in all parties best interest that the two XXXX accounts were deleted entirely from the report. 

XXXX is still reporting a {$810.00} balance! They lied to the Michigan attorney general Making falsified statements to federal agencies are quite sever and I am scared what other individuals are being taken advantage of. I feel bullied and intimidated by this company that is willing to lie to federal officials to continue extorting people.
Consumer complaint received 2021-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL) (FL)

On XX/XX/2020 Ar Resources put a derogatory mark on my credit reports for {$970.00}. Ar Resources didn't send anything to prove ownership. How can you say that you verified this account when I haven't even heard back from the collection agency?
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AL)

My uncle left me a house when he passed away XX/XX/XXXX of XXXX I make a payments on the house since then I finally got the house over in my name XXXX of this year. I had a problem with my health so I had my daughter handling my financial affairs she took over my financial affairs XX/XX/XXXX I had payments paid up until XXXX of XXXX. I didn't know that my daughter was not making payments because I had not received any information from the mortgage company because I had not yet had the deed in my name so they would not release any information to me. And once it was in my name and I found out that my daughter had not been making any payments and the property was going into default.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/22 XX/XX/22 XX/XX/22 I contacted transUnion about a account investigation even called Numerous times, the account never been updated or investigated. Account XXXX 15 U.S.C 1681 section 602 A. Section 2 states I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 its also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May Not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2021-12-18
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. (MI)

These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts was opened without my full consent. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX **** {$6000.00} XX/XX/XXXX XXXX {$18000.00} XX/XX/XXXX FTC report is included and these accounts are included in it.
Consumer complaint received 2016-07-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (NJ)

I received a letter from credit protection association on XXXX/XXXX/2016 demanding me to pay {$150.00} to XXXX XXXX XXXX, I contacted credit protection association and inform them ia have no any contract with this company and MY provider of gas and electricity is XXXX only, and I have paid their bills in time update. Further I wish to conform I have not received any arrears of payment or any other letter from the said XXXX XXXX XXXX.
Consumer complaint received 2021-10-11
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. (OH)

On XX/XX/XXXX I wrote XXXX, Equifax & XXXX a Method Of Verification request letter, sent certified mail ( copy of letter attached ), regarding ; Account # : XXXX Open Date : XX/XX/XXXX Creditor : US BKPT CT OH XXXX My Method Of Verification request was received by you on XX/XX/XXXX XXXX ( proof of service attached ). They had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX I have yet to receive a response to my requests or notices. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist. I mailed certified mail a " Non Response/Intent To Sue '' letter to XXXX, Equifax & XXXX , which was received on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX respectively ( proof of service attached ). XXXX, Equifax & XXXX are in violation of my rights under FCRA in their duty to respond appropriately to a request for Methods Of Verification. Additionally, by not responding at all, they have tacitly agreed that proof of the account in question does not exist and therefore can not be verified. Per the FCRA, if a disputed account is not verified, it must be removed.
Consumer complaint received 2021-10-11
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: GOLDMAN SACHS BANK USA (IN)

On XX/XX/2021, i was issued a credit from the XXXX XXXX back to my Credit Card. The amount was {$860.00} for a refund. I asked the credit card company to use those funds to pay off an installment on a device, i was told they could not do that ; I then asked for them to issue a check in my name for the total amount the was credited and in a positive on XX/XX/2021 and two other occasions as well. The Credit Card in question is the Apple Card a MasterCard managed and owned by Goldman & Sachs in conjunction with XXXX Rights. 

I have also contacted the XXXX XXXX for assistance on multiple times with Goldman & Sachs to no avail. 

I simply would like to use the funds i have currently of {$760.00} to either pay off one of the installments or that i be issued a check as the credit card company should return any excess payments to the consumer.
Consumer complaint received 2021-10-11
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. (TX)

THESE ACCOUNTS ARE LISTED ON MY CONSUMER REPORTS AND I DID NOT AUTHORIZE OR SIGNED ANYTHING. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc. (GA)

I have sent some money to my mom on Friday XX/XX/2021. The company REMITLY, INDICATE TO MY THAT THE MONEY WILL BE READY AND THAT IT WAS READY SAME DAY FRIDAY XX/XX/2021. When my mom went to the place where she where supposed to receive the money. They indicate to her that the transaction was not ready and that she will have to come back. Today XX/XX/2021. My mom is trying to collect the money and now the place where she is trying to collect the money indicate that the money is being paid already. My mom never receive any money yet. I have contacted REMITLY who is the company that I used to send the money. They say that it will take up to 2 days or more to solve the issue, my mom is old and she need my support. I am the only one supporting her. I need help.
Consumer complaint received 2021-12-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Renton Collections Inc. (WA)

Renton Collections , Inc. contacted me by phone on XX/XX/XXXX. The representative asked that I pay a debt for medical care. I told him I was unsure about owing this debt, so please send the bill to me. The representative continued to call me, despite my request. He called me two more times on or about XX/XX/XXXX and XXXX, XXXX. Again, I requested a written statement. Renton Collections did not provide a written statement until XX/XX/XXXX. ( see attached ). The notice was not provided in the five day window as required by section 809 ( a ), nor did it provide the information listed in 809 ( 3 ), ( 4 ), or ( 5 ). 

I disputed the debt and made two written requests for proper validation of the debt after being contacted again by Renton Collections. I have proof of delivery of my requests. My requests were ignored for over a year. 

On XX/XX/XXXX I received a letter ( postmarked XX/XX/XXXX ) from XXXX XXXX at Renton Collections, enclosed in the letter was a copy of a document.This information was not provided during the five day window as required by section 809 ( a )., and the letter included a phone number never used by the original creditor. More importantly, the statement clearly indicates that I had a {$0.00} balance. 

Renton Collections also knowingly failed to comply with Washington state law RCW 19.16.250 that requires debt validation notifications include a very specific list of items. Many of those items were not included in any communication I received regarding this matter. 

Renton Collections Inc. has not complied with federal or state law, because this is not a valid debt. They are sending documents to me and using legal language that do not actually satisfy their legal obligations under federal or state law, but are designed to deceive and intimidate me into paying money that I do not owe. I would like this harassing behavior to be exposed and stopped.
Consumer complaint received 2021-10-11
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-10-12
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. (WI)

Credit bureaus have not provided me with method of verification for late payments and has refused to mark my XXXX accounts disputed by consumer. I have asked for this information in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2021.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CT)

On XX/XX/2019, I discovered that several thousand dollars ' worth of charges had been made on my Discover debit card. I reported them. On XX/XX/2019, I received a call from Discover dispute investigations who asked me a few questions and told me I should file a police report. I asked for the information they had and a supervisor named XXXX told me he would send me all of the documents. I never received any documents at all. On XX/XX/2019, Discover decided that the charges were valid even though it is impossible that I made them. I asked for proof and they can't provide me with any proof or documents. The burden is on them to prove that I made these charges and they will not show me what they are using to justify the decision that I made them ( most likely because there is no evidence ). Now my account is overdrawn and I can not pay my bills or book necessary business travel because of this. The Deposit Agreement says I have zero liability for fraud.
Consumer complaint received 2022-08-24
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. (NC)

I sent a letter on XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-12-18
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (CA)

I sent this company a cease and desist letter that arrived XX/XX/2022 at XXXXXXXX XXXX XXXX In this letter I explicitly asked the company to cease and desist all communication with me or anyone I am associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In response to my cease and desist letter the National Credit Adjuster ignored my request and sent me another debt collection letter on XX/XX/2022. This company has been harassing me continuously by phone, email, and letters. I am considering suing the company for harassment about a debt that is not mine.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (TN)

I have an account with XXXX. Up until XXXX of this year I have never had an issue until the following month. All of a sudden the autopay feature stopped working so I didnt notice that my payments werent being made, I only found out when a late charge appeared on my credit report. I contacted them about this on XX/XX/XXXX but I didnt receive a response so I just decided to make my payments every month manually which is what I did. 

I found out in XXXX that the app that they force you use to make payments was only simulating a successful payment they never actually took the money so it continued to accrue interest and late fees even after I kept making manual payments. I contacted them again making them aware of my issues even going as far as to include a video of me trying to make a payment and asking them what I should do to get my account current again as there was no way for me to make a payment. I contacted them on XX/XX/XXXX and Ive continued to reach out every other day but they refuse to respond and its is have a heavy negative impact on my credit. Screenshots and video are below.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (FL)

My wife has one and I have two credit card accounts through Upgrade Card ( XXXX XXXXXXXX XXXX ). I also have a personal line of credit account through them. 

Upon checking all of our accounts after an unrelated data breach occurred in XXXX, my wife and I noticed a series of documents in our portal labeled Promissory Note - dozens and dozens of them. Even more curious, the execution of these promissory notes were done by the lender using Attorney of Record privileges. Further, we never received any Truth in Lender statements for these numerous promissory notes nor did XXXX exist within the Document portal at Upgrade.com. 

Since my wife has her own unique accounts with them, she called to enquire about all of these promissory notes and the lack of TILs, to which she was told that promissory notes are just a customary thing and that Upgrade would disregard the promissory notes when the loans had been satisfied in full. When asked what our actual balances were, the CSR declined to answer due to account security reasons - after they had authenticated us as the account holders. 

While it is explained that Upgrade works differently than conventional credit card products, nowhere could we find any information about numerous promissory notes being created and executed by a power of attorney on our behalf. We also couldnt find any verbiage that exempted them from XXXX  disclosure. 

In my review of the documents provided upon open of the account, draws being made, promissory notes, attorney of records, and XXXX, I do not believe the Upgrade Credit Cards to be a legal debt. In both of our cases with these cards, weve.not used them in months, have paid more than the minimum, and the balance will not decrease. 

These credit cards arent credit cards at all. Each time they were used a new 3-year term personal loan document was created ( with interest pre-compounded ), then the document was executed by an entity whom we didnt give explicit permission to act on our behalves- all the while NOT giving us the Truth in Lending documentation required under law. 

We have phone recordings as well as our account documentation we are happy to share if necessary.
Consumer complaint received 2022-09-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (GA)

I had a XXXX XXXXXXXX and I had a specific Dr. that did my XXXX there was an incident where I had to have a XXXX, this Dr. which I gave me no right to be seen by me. I requested my Dr. to see me not this Dr- I'm assuming that was on call at the hospital. So I constantly requested from this XXXX XXXX XXXX Assist. proof of paperwork with my signature giving them authorization. Never received anything. I even submitted my paperwork to all three credit bureaus because they also violated the HIPPA law by giving my information to a third party. This has been on my report and I have been fighting this for a while. You are my last hope!