davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (GA)

I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other documentation.They provided me with billing statements which does not prove I am obligated to pay them anything.Do you have reported delinquent information to credit bureaus that I am asking to be deleted.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (WA)

Between XX/XX/XXXX-XX/XX/2016, I have received no less than 6 letters ( see attached as example ) supposedly from Citibank , N.A . ( XXXX XXXX, SD ) saying " Thank you for your interest in obtaining an account with us. We are unable to process your request at this time because we could not verify the accuracy of the credit information on your application. In order of us to continue processing your application, please call us at XXXX... '' The issues I have with this letter are : 1 ) There is no mention in the letter about WHAT specifically the application I " supposedly submitted '' was for ( credit card, debit card, checking account? ) 2 ) I have NEVER submitted any application to Citibank for ANYTHING 3 ) When I call the number, I 'm prompted immediately to input my entire Social Security number ( which I will NOT do ) before I can even speak to anyone " live '' 4 ) When I did finally manage to find a live person to speak to about this after nearly an hour of digging around on the internet for a phone number, I was told by a CSR that Citibank could not provide me with any details about the nature of my " supposed '' application because that information was confidential - DESPITE that it was " supposedly '' MY credit information!!! 

This is absolutely ridiculous and a time drain. I monitor my credit history very carefully and I should be able to know if someone is attempting to open an account in my name, without my authorization. If this is nothing more than a marketing ploy to get me to contact Citibank so a CSR can convince me to open an account with them, I want the letters stopped IMMEDIATELY as I have neither the time nor patience to mess with this.
Consumer complaint received 2015-04-21
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (NE)

Midland Funding LLC XXXX XXXX XXXX XXXX Took an account that was charged of in XX/XX/XXXX and re-aged the account to XX/XX/XXXX when I called them to inquire as to what the account was for. My understanding is this is illegal.
Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (OK)

Back in XXXX, 2015, I ordered a pkg of XXXX XXXX T-shirts. Amazon.com had a promotion going that if you applied for their store card, you would be given a {$30.00} discount. I may have applied for that card just to get the {$30.00} discount. The total for the t-shirts was {$29.00}, so when the items arrived, the invoice said balance due {$.00} ( XXXX ). Today, XX/XX/2015 I received the one and only statement from Synchrony Bank ( which handles the Amazon store cards ). The statement showed I had a previous balance on the " credit '' account of {$29.00}, and was billing me {$26.00} for a {$25.00} late fee and {$1.00} minimum interest fee, bringing my total to {$55.00} At first I did n't recall purchasing anything from Amazon, and then the csr on phone told me it was for pkg of XXXX XXXX t-shirts. I told her I recalled ordering them, and she offered to remove the late fee and interest charge and just bill me {$29.00}, but she wanted more info in order to close the account. I was n't comfortable giving her more information, considering that if I had truly opened an account with them, they should have all the pertinent info. She then put me on hold, and came back and informed me that they were opening a fraud investigation, and I should write down the ref # XXXX. It was after she hung up that I recalled the {$30.00} discount just for trying their Amazon Store card ( Which I would never normally do, since their interest rate is ridiculous, and I do n't really like Amazon ). I have found in previous dealings with them, that their business ethics leave a lot to be desired. Thinking about it, I believe this is yet another example of their less than honest business ethics, and a bait and switch tactic in order to get people to sign up for their HIGH INTEREST credit card. Had I been sent a statement in a timely manner, There would have been no late fee billed and I would have disputed the {$29.00} which should have been offset by the {$30.00} discount come-on. Worse comes to worse, I am willing to pay the {$29.00}, and chalk up the switch and bait {$30.00} offer, to just another one of Amazon 's dishonest business practices. Thanks for whatever help you can be. XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-09-30
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I 'm the seller of a property. They buyer 's lender, USAA, chose to adopt a XXXX guideline before it was required causing a delay in the close on our house. This delay of just a couple days pushed out into the following month, costing me an extra month of interest and MI on my loan. Total cost to me is just over {$1300.00}.
Consumer complaint received 2015-03-24
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Green Tree Financial somehow got XXXX Loan AFTER bankruptcy ( 2009 ) and has REFUSED TO REMOVE IT FROM MY CREDIT REPORT. The Credit Bureaus REFUSE to remove this information as well. I 've sent Certified Mail several times. The " non-payment '' history is impacting my credit negatively.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern : XXXX XXXX, XXXX, I looked at my report. I sent a letter to TransUnion on XXXX XXXX, XXXX, asking them to reinvestigate these accounts : 1. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX, they sent me their investigation and said the accounts are complete and accurate. 
I looked at my report and noticed everything is still the same In addition, according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information has been modified or deleted from the file of the consumer. 
( ii ) Promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report. 
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

And according to 15 USC 1681 s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors. 
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer, at the address specified by the person for notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

TransUnion really did not reinvestigation they lied on an official document saying they did something that they did not do, and I have evidence to prove my case.
Consumer complaint received 2021-02-25
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. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section XXXX, Validation of debts [ XXXX XXXX XXXX ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2016-08-01
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (IL)

I am receiving repeated calls from someone at a collection agency on behalf of American Express. They have contacted me repeatedly about a debt that belongs to my father. They always begin the call by stating that I am not responsible. They then proceed to ask me a series of questions about my father, his intentions to pay, and when and how they can speak to him. This has been going on for months. I have repeatedly requested that this man, and I believe that it is the same individual, stop contact me at my mobile number.
Consumer complaint received 2022-02-04
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: CITIZENS FINANCIAL GROUP, INC. (TX)

I ordered an XXXX XXXX XXXX XXXX XXXX through XXXX XXXX with financing from Citizens Bank. Order was placed on XXXX the XXXX, item set to arrive on the XXXX, then I got a notification of a delay and availability for the XXXX. The order said I had until the XXXX  for pickup. When I went to go pick it up after waiting over an HR it was made known that my product wasn't there. I emailed the manager 3 times with no response. Called customer service multiple times, corporate, XXXX XXXX forums, XXXX XXXX XXXX as well as going to XXXX physical stores multiple times to speak to a manager. XXXX XXXX XXXX was never available. Manager at XXXX XXXX hasn't been at the store for XXXX months as I have visited multiple times hearing different excuses. Then visited another store in XXXX with a XXXX which was also no help. After exhausting my resources I called Citizens Bank. I explained what happened and what my options were which I was told they aren't responsible for supplying consoles and that I could just close the account since my efforts were leading nowhere. Days later I applied for a credit card and my credit line originally offered was reduced. It was because I received a deragatory remark from Citizens Bank with remark stating " paid by dealer ''. I called Citizens Bank and they said they'd repair it and after another 8 contact attempts with them not relieving the problem I asked to speak to, '' XXXX '' the manager. XXXX offered no assistance and gave me attitude unnecessarily. I contacted XXXX and XXXX and challenged the damaged credit from Citizens Bank. I have attempted 5 disputes with XXXX getting denied each time. I have sent a demand letter to XXXX Bank with no response as well. Citizens Bank mandates what everyone knows as corrupt when it comes to arbitration. It took me years to build my credit and I have now taken a hit unnecessarily at no fault of my own and a creditor for a new card lowered my credit availability by thousands of dollars as well.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (OR)

At the change of the year XXXX our payment amount changed because of a change in the escrow amount, but my account was set to auto withdraw from my bank account. When I received alert that it was delinquent ( by a nominal amount ) we contacted the bank and were given a solution which involved moving excess money that they held in escrow onto the payment, and we were told this was the solution. It was still reported to credit agencies as a late payment and has significantly impacted my credit score. My actual payment was never late, and we followed the instructions given by the bank.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

The mortgage holder on our home is Ditech. We send them a personal check every month for our payment. Beginning XX/XX/XXXX, Ditech ran our paper check through as an electronic funds transfer and then cashed the check at our bank. Since XX/XX/XXXX, they have been double-dipping. I never signed any document that permitted Ditech to do this. Naturally, our bank accounts are in free-fall. We have been charged {$90.00} in fees to cover checks written.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC (FL)

The closing for my home at was supposed to occur XXXX. The paperwork was submitted to the lender XXXX XXXX or so, but we learned yesterday that the lender -- iMortgage of XXXX, FL -- did not send the buyer 's package to underwriting. This has indefinitely delayed the sale of our home. We have had to cancel utilities, movers, caregivers, and has cost us XXXX of dollars in fees as a result. When we asked XXXX XXXX -- the man responsible for this mistake -- to rectify it by rushing the package, he said, " These things take time. We are just understaffed. I do n't see what the problem is. '' We noted that he had time -- months. He then said that the loan officer responsible for the file quit in XXXX, and no one bothered to check her email to help the clients with whom she was working. He then refused to take any phone calls or emails from us or any of the realtors involved, updating us on the process so that we could reschedule movers, etc. When he finally called us back after repeated attempts to contact him, he said he would not be able to close us on XXXX. To clarify, what has happened is not just that his company failed to process the paperwork for the sale of the home ; rather, iMortgage failed to determine if our buyer is good for the loan! This means, not that the closing may be late, but that it may not happen at all -- which will result in the loss of the home we are buying as well -- a XXXX dollar transaction gone awry. The lender has also asked us to extend our closing date past our lock rate date. Our mortgage lender has told us this will cost us {$1200.00} ( to lock the rate we secured sixty days ago ).
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (TX)

I had a loan with SunTrust Bank, they merged with BB & T into a bank called Truist. I have been unable to make any arrangements for payment, get questions answered about the account, or had any response from my requests by them. 

Their customer service representatives are not friendly, do not help and put you on hold for very long periods of time. The business appears to respond to complaints with XXXX with a form letter and don't address the issues directly. https : XXXX
Consumer complaint received 2016-07-20
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NH)

attn : CFPB + FDIC Ombudsman Missing international $ wire transaction date XXXX, 2016 sender __me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Bank HSBC HSBC Bank XXXX XXXX Limited Registered Office : HSBC House , XXXX , XXXX XXXX , XXXX , XXXX XXXX Registered Number XXXX Incorporated in XXXX , XXXX XXXX and regulated by the XXXX Financial Services Commission Regulated in the XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wire transaction XXXX, HSBC XXXX -ABA routing XXXX SWIFT code is XXXX XXXX XXXX XXXX # XXXX revised XXXX XXXX ( details amended ) This wire was never received by the recipient. XXXX XXXX XXXX HSBC XXXX is aware, BUT yet unable or unwilling to trace the missing funds My bank official will confirm XXXX XXXX, XXXX Assistant Vice President - Member Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH, XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX Please call today __XXXX, XXXX, cell XXXX
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I made an online order for XXXX soccer jerseys on XXXX. I also paid for expedited shipping with my order, which stated that delivery would be within 5 to 7 days. The total of my order was {$140.00} On XX/XX/2023, I sent the merchant an email asking why I still have not received my order, almost one whole month later. I did not receive a response to this email. On XX/XX/2023, I sent the merchant another email, explaining that it had been way past 2 months and I still did not receive the order. I did not get a response to this email, either. Soon after this, I filed a dispute with Citi Bank, case number XXXX. When I filed this dispute, the customer service agent told me that I was instantly going to receive a conditional credit to my account for the amount in dispute of {$140.00}. A few days later, I had checked my checking account and noticed that I did not receive the credit to my account. I called Citi Bank and they said that they do not offer conditional credit in these cases ; the previous customer service agent was uninformed, or lied. I said okay and let them process the case. On XX/XX/XXXX, I received a paper in the mail asking for more information about my case. I filled the paper out, stating all of the details about my dispute and sent the paper to the email address provided on XX/XX/2023. On XXXX XXXX I spoke to Citi Customer support to see what was the status on my case. The agent told me that my case was denied because I did not provide enough information. She said however, I can appeal the case at my nearest Citi Bank branch. She said to print the emails I sent to the merchant, as well as any proof of my purchase. I printed the XXXX emails I sent to the merchant, and the invoice that the merchant sent me. When I arrived at the branch they told me that theyre not sure why support sent me to the branch, as they have to do this over the phone with customer support. So, I had to speak to customer service about my dispute over the phone, at the branch. The workers at the branch told me I had wasted my time going there.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021, I sent in a dispute letter to remove inaccurate information from my credit file. I have tried calling Experian and was informed that my dispute letters has not been received. This is the XXXX month in a row that Experian has failed to investigate my dispute letters. I have a bankruptcy being reported that is inaccurate and not properly verified. I have contacted the court and they advised me that, they do NOT furnish bankruptcy information to any of the credit bureaus. I was also advised that only the last XXXX of my XXXX is provided to public record databases. So I am confused, as to how this information was verified as accurate and was placed on my credit report. I have asked Experian on several different occasions how and through what source was this information verified, so that I may contact the source to correct the inaccuracies. I have yet to receive a response from Experian and this is a clear violation of my consumer rights.