davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, I used citi bank ATM machine to make a payment of my citi bank credit card outside of the bank which is located in XXXX XXXX XXXX XXXX XXXX XXXX, CA at XXXX. I put XXXX dollar bills ( total amount is {$460.00} out of {$1000.00} : I planned to make a payment of {$1000.00} so I put some amount of cash first ) in ATM after that, suddenly the transaction was closed without payment confirmation. The receipt said " I am sorry. Due to quality issues I can not accept one or more of your bills. Because technical problems, I can't return your cash right now. '' That means, there was ATM technical issue. ATM ate my cash without payment. Right after that happening, I went into the bank and I explained it to ask for returning my cash. However, they said they can not do anything and suggested to wait until tomorrow without any confirmation. So I asked to call customer service to dispute this issue. I was talking with a banker, XXXX XXXX. XXXX and her phone number is XXXX XXXX XXXX. As of today, there is no solution or any action from Citi bank. I am afraid I may loose my money. Please investigate this issue ASAP to protect a consumer rights. 
I attach the receipt and screen captures of the ATM machine to prove there was issue when making a payment.
Consumer complaint received 2018-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

I cancelled my service with XXXX via phone in XX/XX/2016 and made sure my account was paid in full. I never received anything from them again. not a single bill. so I assumed it was cancelled successfully. A year later, I see my credit report and there is a debt collector on there trying to get money for XXXX ( {$510.00} ), saying I never cancelled. I explained what happened to them and asked them to investigate. They said they verified with XXXX and nothing they can do. I then contacted XXXX and they said they'd open an investigation but I never heard back and when I called them back again, they said they had no record of the investigation being opened! 
I disputed on all my credit reports ... to no avail. 
I asked XXXX to provide me with statements or some type of evidence and they could not. 
Nor could ERC collection agency.
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MS)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I contacted this company asking for validation/verification of said debt in amount of {$440.00} dollars. proof of debt was not provided. a printout of a bill or itemized document does not constitute as verification Again the acct in question is XXXX the address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Kentucky XXXX
Consumer complaint received 2022-05-05
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. (PA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (TX)

I purchased a used car from a dealership on XX/XX/XXXX. They financed me through Wells Fargo with high interest rate ( 13.99 % ). My credit score was good, in the XXXX. Dealer talked me into buying gap insurance ( {$800.00} ). I felt pressured and gave into the deal. Few weeks after I realized that I dont need no gap insurance. I went back to the dealership on XX/XX/XXXX to cancel the gap insurance. According to the dealership, they had sent a refund check to Wells Fargo in the amount $ 700+. Weeks have gone by with no noticed or anything from Wells Fargo. So, I called Wells Fargo on XX/XX/XXXX to check on the status of the gap insurance cancellation. They told me that my gap insurance is still active. I called the dealership where I purchased the car and told them what was going on. They emailed me a copy of the amount they sent to Wells Fargo. So, I waited for a few more weeks for Wells Fargo to send me something in the mail regarding gap insurance cancellation. NOTHING! I went into one of their local branches ( XX/XX/ ) to see if anyone can help me shed some lights on the matter. Luckily I got the branch manager helped me with the situation. He called and talked to the auto loan dept and learned that they had already received the refund check of gap insurance cancellation from the dealership. Furthermore, they will process and issue a refund of the due amount to me in 7-10 days from the day of the phone call. 7-10 days came and gone. Still waiting ... NOTHING! I received a phone call from XXXX ( XXXX, ext XXXX ) from the office of the president. That was what they called it. He said that hell look into it and call me back. About one week has passed since I spoke with XXXX. He didnt call back. So, I called him back but they said he was not avail to take my call. About a week later XXXX called me back ( Tuesday XXXX ) and stated that its typically takes about 45-60days for them to process a refund. However, he was able to get hem to speed up the process and that I will receive my refund on Thursday of that week. Thursday came and gone. NOTHING again. Still waiting ... 
Second issue with this loan. 
I made the first payment of $ 500+ then refinanced with a more reputable establishment. However, the amount refinanced was more than what I paid for the car originally. There was no extra fees charged during refinancing. Wells Fargo couldnt tell me where that first payment went. Theres nothing transparent about this car loan with this bank. Im so tired of the run around they gave me. I need help to get to the bottom of this case PLEASE.
Consumer complaint received 2022-05-05
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The following accounts listed below are stillreporting on my Credit Reports and need to be corrected immediately : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Consumer complaint received 2022-04-25
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: Augusta Collection Agency, Inc. (NY)

On XXXX XX/XX/2022, AUGUSTA COLLECTION AGC flagged my account as Collections for a {$56.00} balance. I have never heard of this company, they have never spoken to me in person about the debt, they have never spoken to me by telephone about the debt, they have never mailed me a letter about the debt and I have never received an electronic communication regarding the debt. 

I live in XXXX XXXX, New York. To date, the company has not provided any proof that their notices have been received or confirmed that they have been sent to the proper address in New York. They also have not verified the correct phone number that they are contacting. 

I am in the United States XXXX and do not appreciate the negative reporting done by the agency without verifying whether the debt is valid and being sent to the correct address. 

Unless XXXX has mailed documents to New York, I have not received any notices and they have failed to provide any proof that the notices have been sent to New York.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (PA)

My XXXX and XXXX hard inquiries keep reporting double or triple in the same months I never checked until recently because I didn't think they mattered I have inquiries from credit cards I already have saying that I keep reapplying for them when I'm not it keeps showing that I'm applying for Mortgage services only on XXXX and not XXXX even though I'm not even trying to purchase a house I don't know how else to put a stop to this I keep trying to mail letters but nothing is getting done
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$820.00}, {$0.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-05-05
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. (NY)

XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX double inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX Reached out to the company to inform them of inaccurate information and was turned around. Never received any assistance with incorrect information reflected on the credit report.
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Account Name : XXXX XXXX Account Number : XXXX The credit bureau reported information on my credit report that they have been unable to verify and that I have not consented to. 

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

I requested an investigation into the account and the credit bureaus have failed to provide me with any verification of this account. I can not trust the accuracy of this reporting with several inconsistencies in the alleged information. If this account is truly accurate, the information reported across all bureaus ( including the date last active and date last reported ) would be an exact match. 

Because of these inconsistencies I specifically requested the contract, note, or any other instrument bearing my signature. I requested bank transactions that belong to this company that would prove my payments were not accepted on time. As part of the verification investigation, I also asked for the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Again, the credit bureau was unable to provide any of these items or any other documentation verifying a thorough investigation was completed. 

As a result of this unverifiable information, I request that the reporting of this account be removed from my credit report.
Consumer complaint received 2022-05-05
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-05
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-12-19
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: Conn's, Inc. (TX)

IN REGARDS TO : CONN CREDIT CORP ; XXXX XXXX XXXX TEXAS XXXX I've sent letters to the furnisher disputing the account listed below. I have not heard back from them, but they have verified the account as accurate .CAN THEY FRAUDULENTLY DO THIS? CONNS CREDIT CORP? VERIFYING AN ACCOUNT WITHOUT PROVIDING ME PROOF THAT THEY ARE REPORTING 100 % ACCURATE? 

I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANYONE VIOLATED THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS.Because of this, Im requesting information about your procedures put in place to verify this account. I would like to see a detailed list of all transactions on this account. Also, provide me with a copy of the original contract/application with my signature. In addition, please show me the date that you claim that this account was opened and charged - off. 


PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE.
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U. S. C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-08
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. (CA)

To begin with, I did not authorize or give consent to XXXX or any other agency to furnish information related to me. 

I XXXX XXXX, have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Following these harassing phone calls, I performed a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 

Please be advised that the companies performing the harassing phone calls are listed below. 
1 ) XXXX XXXX XXXX / {$560.00} 2 ) XXXX XXXX XXXX / {$14000.00} 3 ) XXXX XXXX XXXX / {$14000.00} 4 ) XXXX XXXX / {$2900.00} 5 ) XXXX XXXX {$5100.00} 6 ) XXXX XXXX, XXXX / {$9100.00} 7 ) XXXX XXXX XXXX / {$300.00} 8 ) XXXX XXXX, XXXX / {$280.00} 9 ) XXXX XXXX XXXX / {$10000.00} 10 ) XXXX XXXX / {$1100.00} To repeat, these transactions occurred without my permission. 

I would like to request removal of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.
Consumer complaint received 2022-07-30
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank # XXXX Credit Card, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-05
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. (FL)

In accordance with the Fair Credit Reporting act Everything Has to be 100 % ACCURATE on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate on any. This is grounds for removal. 



Also In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more then 30 days to complete my investigation which is grounds for Removal/Deletion Here are my CERTIFIED tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

Around XX/XX/2022, I received a bill from my insurance provider, XXXX XXXX, to pay my homeowners insurance for XXXX, due on XX/XX/2022. I informed XXXX that I was selling my house effective XX/XX/2022 and did not want to renew. On XX/XX/2022 LoanDepot disbursed {$980.00} for homeowners insurance to XXXX. XXXX has since issued a refund check to LoanDepot for this amount. On the morning of XX/XX/XXXX, I contacted an escalation specialist, XXXX XXXX XXXX, to request a return of the funds that were wrongfully and prematurely disbursed. XXXX told me that I would have to get the money from my insurance company, which had already sent the money back to LoanDepot. XXXX has since refused to assist with recovery of my funds and has refused to return my funds. LoanDepot is in wrongful possession of my funds and claims that this disbursement was my fault. 

This is a pattern and practice of unfair and deceptive behavior by LoanDepot within a short time period, as LoanDepot also wrongfully withdrew over {$4200.00} from my checking account *after* my loan was fully paid. That is the subject of a separate complaint.
Consumer complaint received 2019-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION (VA)

Opened checking/savings account with overdraft protection at BB & T in XXXX. Stopped using the card around XXXX, went to re-open my account in XXXX of XXXX I was told I was denied because of me allegedly trying to overdraft my account, when I never did. I asked her if I could dispute it. She said that she had to send me a letter in the mail but it never arrived. I never tried to overdraft my account once, so my unpaid bank fees need to be dismissed.
Consumer complaint received 2022-07-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (MA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose