davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (TX)

Hunter warfield has continued to report false information to the credit reporting agencies. Hunter warfield has been exstremly neglegant rearding aquring accurate account information on behalf of the creditor XXXX. After being removed from my credit report in XX/XX/XXXX, Hunter warfield has falsley reported yet again on my credit. I do NOT owe XXXX dollars to XXXX. in XX/XX/2015 i was late on my rent of XXXX $ and was subsequently evicted in XX/XX/XXXX. my least of 1 year was up in XX/XX/XXXX. I paid the amount of XXXX $ to XXXX. according to the laws of TN the carpet must be changed every 4 years and the previous owner of the aprtment as there two, I was there two, yet eagle point charged me XXXX for carpet. eagle point then charged me for XXXX mis for clothes that were on the floor. The state law stattes that apartments may not profit from the eviction. Hunterwarfield has not provided me a recipt from the carpet nor the claening. so in truth, there are no real charges to collect.
Consumer complaint received 2019-12-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (MA)

XXXX XXXX ( previously of XXXX, MA ) had purchased a used XXXX in XXXX XXXX. 
The car dealership made the loan with US Bank. After XXXX set up automatic monthly payments via US Bank website, unfortunately the US Bank overcharged her account. XXXX reported the overcharge. US Bank apologized for the error their service overcharged, but did not refund bank charges for over draft. 
Not being able to trust US Bank, XXXX elected to pay off the loan a few weeks later. Account number XXXX US Bank still owes her {$750.00}, four years after she paid off the loan early. 
XX/XX/XXXX US Bank mailed her a letter stating they had issued check number XXXX for {$750.00} on XX/XX/XXXX, but the check had not been cashed. XXXX has called multiple times to state that she never received the check. Customer service states they can " see '' that a refund is owed, but have told XXXX that " someone will investigate '' and call her back. One customer service rep told her that the letter signed XXXX XXXX XXXX had supplied a " wrong number '' XXXX. They could not supply a correct number to telephone, but suggested XXXX write a letter and mail it - as in what people did before the internet was invented. XXXX did snail mail a letter to the XXXX XXXX XXXX XXXX MN XXXX but it was returned as " no such address ''. Calling back again and again, XXXX has been told to call " XXXX XXXX '' at XXXX. 
Please, it's been over four years. Could they please issue the refund check as they claim they did over a year ago? 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX
Consumer complaint received 2019-12-29
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. (PA)

In XXXX and XX/XX/2019 I submitted disputes with XXXX  and XXXX for them to provide me with verification documents or delete fraudulent accounts being reported to my credit profile from a credit union named XXXX XXXX XXXX. Neither company has provided me with any documents and are continuously reporting inaccurate accounts to my credit profile limiting my ability to use credit. Equifax is not reporting these inaccurate accounts. Both companies are in violation reporting these accounts. Both companies report different high balances, balances, date opened and payment statuses. These companies are also reporting that I have a outstanding balance with a credit union named XXXX and XXXX. Both of the accounts are being reported in violation. I disputed these accounts asking for original documents with my signature and I have not received it. Equifax is reporting a fraudulent XXXX account that is in violation also.
Consumer complaint received 2019-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

I wanted to inquire about this debt. I dont understand why it is on my credit report since I have not received anything in the mail prior to seeing this debt from IC System on my Credit Report. 

It is to my understanding that IC system is required to send written notice prior to inserting themselves on my my Credit Report and wait 30 days from that point before they put it on my Credit Report. Furthermore it appears that theyre attempting to collect on a XXXX XXXX XXXX related debt and I have also never had any XXXX XXXX XXXX related products. 

If IC systems feels this debt is valid please provide me with the original terms and conditions that state that IC system is allowed to benefit in the form of interest and fees. Simply providing me with monthly statements is not going to be sufficient please note I am asking for validation and verification of the original terms and conditions related to the debt and not just monthly statements. 

As a result of this alleged debt I was also turned down for a recent line of credit with XXXX   XXXX XXXX for {$30000.00} and they specifically referenced the debt being the sole cause. I needed this line of credit for a remodel for my business.. 




Please do not contact me by telephone please communicate in writing only via USPS mail. In the event that you or anyone reading this complaint do call me I am revoking permission to record my voice or use automated pre-recorded dialing systems. Any calls or communication in connection with this debt from IC System or XXXX  I do consider to be an attempt to collect on a debt so please govern yourself accordingly. Debt collection matters and subject to the fair debt collection practices act and The California Rosenthal act. I am also now represented by an attorney and want IC System or XXXX  to communicate with XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (OH)

On my credit report there are three ( 3 ) items that are marked collections that I have disputed with the companies personally so they should be marked as disputes. Two in particular are being disputed for charges I did not make and have disputed on a number of occasions with the companies personally.
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

At XXXX on XX/XX/2019 I received a text message from the number : XXXX It stated : " Chase Fraud Alert : Did you just try to charge {$340.00} at XXXX XXXX store? if YES ignore, if NO update account contact information and request a replacement card on Chase.comXXXX '' I DO NOT have a Chase account. I have never had a Chase account.
Consumer complaint received 2016-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc. (TX)

This company posted a debt to my credit report that is not correct and should not have been reported. I disputed the debt and they still chose to post to my report. No phone call or nothing. By law I have the right to dispute a debt. 
I never lived in the apartments they claim I owe money too.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I submitted a certified dispute letter to Equifax Credit Bureau, XXXX and XXXX. The letters were confirmed received on the following dates to XXXX on XX/XX/2021, XXXX on XX/XX/2021, and Equifax on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with XXXX parties. With that being the case there is no way that this could have been verified and I would like to have it removed.
Consumer complaint received 2022-11-16
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 (ND)

I have fraudulent hard inquiries on my XXXX report that need to be removed immediately. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-13
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. (MD)

I have recently filed an FTC Report for the following : I am writing to request the removal of unauthorized, unapproved, fraudulent credit inquiries from my Equifax credit report. My latest credit report shows the following five ( 5 ) credit inquiries that I did not authorize ; when I requested proof from the creditors, they were unable to provide me any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (AL)

I paid off my loan with HSBC in XX/XX/XXXX. I 'm in the process of refinancing and they still have not released the proper book and page number. I notified them of the same in writing on XXXX and again on XXXX. They said they never received the first letter, but after speaking with them on XXXX, they said the release was recorded on XXXX. Not sure how they somehow just decided to record a release on the mortgage when they said they had never received my correspondence on XXXX and it was the same release they originally recorded with the incorrect book and page number. Have talked to them over several occasions and they still have not released the proper book and page number per my attorney. They were sent a copy of the paid mortgage listing the correct book and page number. This has caused me damges, time and money. What recourse do we have to obtain that release before interest rate rise again. My banker recommended that we file the compliant with the CFPB. There should be LARGE penalities for companies that cause these problems and headaches.
Consumer complaint received 2022-11-16
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. (NY)

My credit card was about to expire in XXXX, 2022, so a new card was sent to me, which was lost in the mail. I called about getting a replacement and a replacement for the lost card was sent, which I never received or which was also lost. My account was soon thereafter closed and my password into my account was disabled so I could no longer make monthly payments online. When I called the company about the problem, I had to pay over the phone ( after a XXXX minute wait ) and requested to re-open the account so I could access it online in order to make payments. An email was sent to me with a link to a message in my account about my request, but since my account is closed, I couldn't access the message. I called again to explain this problem and was finally told I could not get a new card and the only option was to call every month to make a payment over the phone, and the wait-times are typically XXXX minutes to be connected to an account specialist. I don't understand why they would close an account with a balance when they know that access to that account to make monthly payments would be impossible.
Consumer complaint received 2019-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I have deposit a check for {$550.00}. 
The bank release a {$200.00} next business day. The rest {$350.00} was on hold for 8 business day. 
So I call the bank, they told me that is their policy. When I deposit, they should let me know on hold for 9 business days. Instead they just say it will be on hold. Since I need the funds to pay for expenses, I don't have any to spend, so I called the bank and told me to wait until it release.
Consumer complaint received 2019-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (MD)

I took a general payment from my TSP federal, and added it to a new Suntrust checking account est. {$13000.00}. I spent money on XXXX and online for my start up, I had my checking account and debit card number compromised repeatedly. I tried time after time to work it with Suntrust but all I could get was a temp credit which was quickly taken back, then they just completely closed my account. I've call and all I get is ppl saying my account is closed, I try to login online and my login no longer works for the past 4 months. 

I lost {$4200.00} of my TSP deposit, and they won't even tell me why, how, or when they decided to just close my account with funds still in the account. I received an email about my account being forced close and to login to see a notice. Like I stayed above, they blocked my login into my account completely.
Consumer complaint received 2019-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2019, I faxed to TJX Mastercard Synchrony Bank a signed and notarized Power of Attorney document so that I might settle my mother 's outstanding debt. My mother is suffering from XXXX XXXX and requires additional health care. I am trying to settle her debts so as to free up funds to support her additional health care needs. TJX Mastercard Synchrony Bank will not accept the POA document and continues to request my personal information including my social security number and date of birth. As I am not legally responsible for my mother 's debt, there is no legal reason for requesting this information and hindering the settlement process. By not accepting my POA, they are purposely worsening my mother 's credit. I sent additional information regarding my address on XX/XX/2019. TJX Mastercard Synchrony Bank continues to ignore the POA and my requests to settle my mother 's account. No other credit card company has requested my personal information. They accepted the signed and notarized POA and work with me to settle my mother 's debt.
Consumer complaint received 2022-11-16
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. (OH)

I am a XXXX woman who worked very hard to purchase my first home. I also worked very hard to qualify for my interest rate of XXXX XXXX I made all of my payments on time for over a year including extra until XXXX. I found myself with my job 's hours reduced and thus struggling to make my monthly payments. I never fell behind. I applied and was approved for XXXX XXXX XXXX program through the state of Ohio. They agreed to pay my mortgage from XX/XX/XXXX through XX/XX/XXXX. Around the first part of XX/XX/XXXX, I contacted my mortgage company to inquire about the payment and mentioned if that payment was not made, I wanted to make it because I did not want my credit to be impacted. The mortgage company assured me that while I am in the program the mortgage company is not able to report late payments to the credit bureaus. Since I have been placed in this program, I am unable to view my account online, I am no longer able to make any payments on my account to protect my credit and the mortgage company has been reporting my mortgage as late for the last 3 months. My credit score, that I worked very hard to maintain, has tanked XXXX points. If I had known that this was going to be the outcome, I would have just worked more jobs and not asked for help. At the end of the program my credit is going to be shot. I would like some help in getting my credit report corrected. I have asked the mortgage company to do the things they say they are going to do and correct my credit report. I have gone through the credit bureaus and disputed the late payments, and the mortgage company is obviously stating they are accurately reported because they are never removed or updated. Please help me correct this situation.
Consumer complaint received 2019-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EQUIFAX, INC. (PR)

The mortgage account was reached with XXXX and was updated by modifying the mortgage loan. For this reason, arrears that appeared in previous years can be eliminated. If so desired, the " allonge '' agreements can be sent to update the mortgage. Attached documentation of the XXXX mortgage. In the credit factor I understand that it can be reported as up to date and not with 28 late or missed payments.
Consumer complaint received 2019-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Within one months time trying to get a loan consolidation with income driven payments, I will receive several different emails about repayment. I general end up calling them to understand the information that was received that doesn't match what I was told. Most of the time, the representative doesn't help resolve the repayment issue I have been having. After years of calling, I finally talked with a Mrs/Miss XXXX that was very helpful. After which my communications with the providers are very confusing. First week of the month I get an email stating that I owe XXXX dollars for example XX/XX/XXXX, two weeks I have a full payment due which my XXXX email stated that my payment would be in XXXX by email. A few days later my email tells me that my full payment is past due. Every month it is different and I have to call to understand what is going on but they are usually not helpful to understand what is going on with my payments. Their miscommunication has caused my credit score to drop quickly. I have been attempting to do what I can but that is humanly impossible with all the miscommunication I receive weekly. This is their norm but I am very tired of it. First off, if I am having issues making my payments how can I make a payment is less than two weeks when I thought I had at least a month to become stable again. 

XX/XX/XXXX email XXXX due until XX/XX/XXXX XX/XX/XXXX email full payment due XX/XX/XXXX
Consumer complaint received 2022-11-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, my Citibank account was hacked. The hacker took out {$5800.00} from my savings account and took out a personal loan in the amount of {$15000.00} connected to my account. They then wire transferred the money ( over {$20000.00} ) to themselves on the same day. I did not realize there was an issue with my bank account until I tried to gain online access on XX/XX/XXXX to pay bills. My online account was locked so I called customer service to gain access and we noticed on the call that fraud had taken place. On XX/XX/XXXX we made the first possible appointment at the Citibank branch for XX/XX/XXXX and went to the XXXX XXXX  XXXX Police Department XXXXXXXX XXXX and filed a police report which was assigned to Detective XXXX. On XX/XX/XXXX, at the Citibank branch XXXX XXXX provided us with a printout of the fraud on our account and told us to submit a notarized affadavit of fraud to Citibank and request a fraud investigation through the Citibank customer service phone number. I did both things and was told the investigation would take up to 60 days. On XX/XX/XXXX, I received a letter stating that our fraud claim for the {$5800.00} taken from our savings account was denied. On XX/XX/XXXX, I received notification that the personal loan of {$15000.00} was confirmed to be bank fraud, the loan account was closed and the loan was taken off my credit report. On XX/XX/XXXX, I called the Citibank fraud department and told them the personal loan was found to be fraud and hacking so the savings money taken should be fraud as well. I was told I needed to file an appeal which was done on the same day. On XX/XX/XXXX, my fraud claim for savings was again denied and I was never even contacted by the fraud XXXX XXXX. On XX/XX/XXXX, I called to explain that fraud had taken place and {$5800.00} of my money was stolen and I wanted it returned by the bank. Citibank customer service said my only recourse was to file another appeal with the fraud department. I asked that the fraud investigator call me for my evidence since they refused to provide me a phone number or email for the investigator. On XX/XX/XXXX, I received yet another letter saying there was no fraud and my claim was denied and we never received a call from the investigator. Again on XX/XX/XXXX, we called Citibank to have the case elevated to another form of investigation since there were XXXX done with no information gathered from us and we were being denied within days of the appeal. On XX/XX/XXXX, we were told we have no other recourse but to appeal again. We informed Citibank that we would be filing a consumer complaint since we tried to go through them but are not receiving a fair investigation or good customer service when the bank allowed someone to hack our account and steal our savings. This has put us in the hole financially and affected our credit score.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Dates XXXX