davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

On Saturday, XX/XX/2021 my husband and I received a letter in the mail from our bank, PNC, located at XXXX XXXX XXXX XXXX XXXX in XXXX, PA XXXX. In the letter, it stated that my husband via email disputed XXXX payments. The three payments were to XXXX XXXX for our rent in the amount of {$790.00}, XXXX XXXX for our insurance in the amount of {$170.00} and XXXX  XXXX for our phone bill in the amount of {$190.00}. We did not put a dispute in. Not only did we not, but the bank never verified the dispute with us verbally or otherwise to check its authenticity. 
We called the bank and made an appointment to see XXXX XXXX on XX/XX/2021. Now please keep in mind, according to our statements, there was not a dispute showing nor credits given to us by the bank. While speaking with XXXX, I saw a discrepancy in their system regarding the three disputes. In each dispute, all three amounts had the decimal point moved three times to the left. Then it was corrected. Also in their system but not on our statement, it showed a purchase at XXXX  for {$1000.00} that we did not make. It was not until we arrived at the bank that the dispute and other strange activities showed up in their system and their system only. 

We then spoke to the assistant bank manager, XXXX XXXX. Like XXXX, he had stated that he too has never experienced anything like this before. He also said since we were credited the money that was disputed they were taking it back. We tried to explain, we were not credited any money, our books balanced and we did not put a dispute in. He said before any money would be taken from our account he would call us first. 

On XX/XX/2021 The bank took the money out of our account and locked it so we could no longer access it. XXXX XXXX did not call or would he respond to our calls. 

On XX/XX/2021 my husband went to the bank and met with XXXX. She said since we signed a contract stating we would not give out our information, theres nothing they can do. My husband filed a report with the FBI as instructed, as the bank felt the breach came from a loan attempt my husband tried to get for XXXX through XXXX XXXX. He did check them out prior through the XXXX  etc and no red flags popped up per say. 
I am in respiratory failure and am terminal. Both my husband and I are on permanent XXXX. How can they do this legally? I truly feel this was a breech on their end since our books balanced. Enclosed I have provided everything I could to help assist you. Statements from our end and what documents I could obtain from the bank and their system. 

Please, please, if you can help get our money back we would be so grateful. I know it may not seem like a lot. But its all we have. 

Thank you for your time. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-10-14
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Name : 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-14
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$740.00}
Consumer complaint received 2021-09-06
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. (MI)

ON XX/XX/2021 I 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (IL)

I sent a certified verification of debt letter to the Medical Business Bureau. Unfortunately, the bureau failed to provide any documentation with my signature verifying this debt. I can not pay and will not pay anything that can not be verified. I requested detailed documentaion and the Bureau could not proivde this info.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (OR)

I am STILL in a dispute with Barclays Bank regarding fraudulent XXXX XXXX charges. 

The card in question is XXXX XXXX XXXX XXXX. 

I would like to know HOW it was activated ( the method ) and the IP address used. I never activated this or any of the new cards that were sent to me. I never activated these cards on the Barclays website. 

Additionally, I would like store video evidence of these purchases as it was NOT me nor any other household members. 

Finally, since I have the cards in my possession, I would like you to scan my physical card and chip and see that this was NOT used. My cards never left my home, and were never used in any of the stores you are saying. Have other copies of the card been sent out? Mail theft is a big problem where I live and we have been victims of this before- my replacement debit card was stolen late last year. 

This is XXXX!!!!
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (GA)

Made a {$100.00} purchase at a website that i realized was fraudulent. I was unable to contact the store to cancel the order so i turned to Goldman Sachs/Apple card to cancel the payment. They originally refunded me, but then came back to let me know that things had been delivered to me and that i was responsible. I let them know that this was not the case and that the merchant had provided a fake tracking number. This was also given to me on print so small that I had to use a magnifying glass to read it. They then rejected my claim for a final time. I lost {$100.00} to a fake store.
Consumer complaint received 2021-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WINN LAW GROUP, APC (CA)

Yesterday evening I received a call from my employer notifying me that there was a wage garnishment order from a law firm by the name of Winn Law Group. The order is requesting more than 25 % of my check, as a single mother during COVID this seems excessively cruel and perplexing. Perplexing because it claims the debt is from an agency by the name of XXXX. I have never heard of XXXX or Winn Law Group in my life, have no idea who they are or why they claim that I owe them {$7000.00}. They have also claimed that I was served with this order, however, I have not lived in the address they have on file for over two years now. I contacted the law group this morning and they claimed that because there was a settlement on the suit and an order made to garnish wages that there was no recourse or opportunity for me to settle the matter. However, again, I have no details for what this debt is for. Need urgent help on the matter.
Consumer complaint received 2021-09-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (GA)

My Name Is XXXX XXXX XXXX XXXX. I am a XXXX-year-old XXXX XXXX Male. I am a veteran. i am XXXX XXXX XXXX. I work full time. I am a XXXX for the XXXX department for 6th largest XXXX XXXX in the Country. My address is XXXX XXXX XXXX. XXXX XXXX XXXX. The property is in XXXX XXXX. My Mr. Cooper Mortgage account # is XXXX.My Loan Application # is XXXX On XX/XX/2021 I was offered a VA re finance Loan by Mr. Cooper Mortgage . This is a special program offered to veterans to lower their interest rate. Mr. Cooper currently hold the loan on my house. Ms. XXXX XXXX ( XXXX ) is the loan Manager and Ms. XXXX XXXX ( XXXX XXXX ) in the loan processor. Ms. XXXX sent me a disclosure offering me a 2.3 % interest rate lowering my monthly payment by {$400.00}. XXXX per month on are about XX/XX/2021. I docu signed for processing. The underwriter Inspiring Closing, Ms. XXXX XXXX, then started their process. Due to XXXX treatment and XXXX XXXX, I added my minor daughter 's name to my Deed as survivor in residence. I received a request From Ms. XXXX to send over my daughter 's birth certificate, I am her biological father listed on her birth certificate and I was told to get a Guardian ship court order. I had my minor daughter 's name removed from the deed. 
I was also told to get flood insurance, which the FEMA flood maps show that my House is not in a flood zone. My existing mortgage did not require flood insurance the mortgage is with this same company. There was no prior request to get flood insurance My loan was declined. I have not received a reason for the decline. This is discrimination because I am of XXXX color. I meet all the requirements to qualify for this VA refinancing. 80 % of people of XXXX color are discriminated against by Mortgage lending institutions. Because of this institutionalized discrimination only 42 % of the XXXX skin and XXXX population in America are homeowners. 75 % of the white population own property. Therefore, people of color are denied home ownership despite their service to this country, and hardworking taxpayer which I have worked 48 years, I am being denied equality just because I am of brown skin. Iam seeking equal justice, and opportunity for the refinancing under the law. I believe Mr. Cooper mortgage is in violation of my rights to be treated equal as a citizen and taxpayer. If I were white, I would not be held to this scrutiny. My question is are all applicants held to this standard of treatment? Are XXXX Americans held to this standard when seeking to reduce their interest rate with there existing mortgage company? I will continue to pursue this matter with other agencies as I am trying to prepare for my retirement because of my age and medical condition. This re finance is necessary. 
Other contacts for Mr. Cooper Mortgage : XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

My account was charge {$510.00} on XX/XX/2021. I didnt purchase anything from this transaction. It is a fraud on my credit card. I dispute it and call the credit card several times, but they dont refund my credit back. 
They charge my account XXXX times and refund XXXX time, the credit card company still didnt refund my the {$510.00}. It is from my XXXX fraud. The XXXX didnt refund me neither.
Consumer complaint received 2021-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tesla, Inc. (CA)

I purchased a house with a solar power purchase agreement with Solar City, ( now Tesla Energy ) lien on the title and assumed the remainder of the lease term. The contract stated that starting 5 years after the beginning of the agreement, there would be an option to buyout the system at fair market value. 

At the 5 year mark, I requested a buyout estimate and received one for {$21000.00}, which is more than the cost to install a new system. 

When I asked them to justify this they said it was a combination of the fair market value of the a cost approach and a discounted cash flow model from my payments to them. 

A discounted cash flow valuation of my payments is not the fair market value of the solar system and I believe it is grossly overstated.
Consumer complaint received 2021-01-15
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. (NJ)

I had a XXXX XXXX credit card account XXXX that was opened on XX/XX/2017. I missed payments and it went into delinquency, and XXXX sold this account to a collection agency by the name of XXXX XXXX. I was sued by this collection agency, although I was able to settle the debt with XXXX XXXX, in exchange for removing any bad marks from all of the credit reporting bureaus and also stopped them from taking me to court. I am no longer having anything to do with XXXX, but yet XXXX is still on my credit report, marking my current status as a derogatory account. This is affecting my credit score. I need XXXX to delete the account off from all of the credit bureaus immediately. Thank you.
Consumer complaint received 2021-01-15
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (HI)

On XX/XX/2022, I fell victim to a multi-layered scam by Mine and custodial account ( s ) Crypto.com and XXXX XXXXXXXX XXXX. Wired amount to Crypto.com was {$74000.00}. 
XXXX XXXXXXXX XXXX played a role in the transfer of {$25000.00} on XX/XX/2022. 
On XX/XX/2022, I tried to reverse, or transfer said {$74000.00} out of Mine to Crypto.com and was blocked by the fraudulent investment firm. 
I contacted XXXX XXXX to look into recovering my funds on XXXX and paid {$7000.00} for due-diligence of funds-recovery. 
On XX/XX/XXXX, my first dispute letter was sent to Crypto.com and XXXX responded wanting more info. I responded with XXXX XXXX letter and no response was taken. A follow-up letter sent XXXX with no response. On XXXX, I filed a letter with the XXXX in XXXX and Crypto.com XXXX was provided a copy of complaint. 
The XXXX at XXXX XXXXXXXX XXXX is issued a complaint as well.
Consumer complaint received 2021-11-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me
Consumer complaint received 2021-09-06
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. (CA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-01-15
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: Westlake Services, LLC (VA)

Dispute was filed with XXXX  and XXXX  online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX  and XXXX  and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from XXXX XXXX stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to Westlake Financial and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately $ XXXX XXXX  XXXX in collection by XXXX {$100.00} has not respondedXXXX XXXX XXXX collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I filed bk chapter XXXX in XX/XX/XXXX// my car loan at the time was 4 payments past due. In XX/XX/XXXX I paid and caught up the loan to keep the car. I signed a reaffirmation agreement with XXXX XXXX XX/XX/XXXX. They reported it as included in bk. I disputed for the account to be updated properly. XXXX XXXX  approved for it to be removed from my credit bureau. This is not what I asked for. Now have no records on my credit of ever having the loan. It originated in XX/XX/XXXX. XXXX has still yet to resolve the reporting issue. They say the have no resolution and are unsure of when they will. I am about to pay off the loan. The give me the run around and candid answers when I call, about getting up to date statements and getting it reported. The only proof I have is bank account records for payments that have been made. I want to pay this off and stop accruing more interest. I have been trying to settle this since XX/XX/XXXX. I also have called every month since XX/XX/XXXX to get this resolved and I get told its being fixed, then again un XX/XX/XXXX getting fixed, XX/XX/XXXX getting fixed, XX/XX/XXXX its getting fixed, XX/XX/XXXX and nope sorry having technical difficulties to get it reported correctly, ever since XXXX   still no answer. BK discharged XX/XX/XXXX