davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
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. (NY)

We have a recurring charge from another merchant ( XXXX ) on this credit card ( best buy card ). However, before the due date came, we changed the credit card payment to my husband s account & it was successfully done last week of XXXX 2022. I then informed Best buy about this, asking them to cancel the recurring charges, prior to its due date on XXXX XXXX filed a dispute but it was denied, and was billed again. XXXX already had collected the amount from my husband 's account on XXXX XXXX called XXXX multiple times , the recent one is today, XXXX, I was advised that the best buy card is not in their system anymore, also called Best Buy concerning the balance notice I received for XXXX. Explained Even to the manager but she refused to accept my explanation & saying an apology which does not make sense at all! She asked me to send the documentation that we had actually paid for XXXX from another credit card. I find this absurd & ridiculous! Why on earth they refuse to cancel that charges even if the XXXX said they don't have that best buy card in their system anymore? 
This is a time where technology can be useful yet this Manager who spoke to me don not accept a call for concerns and requires me to fax the payment from another creidit card company? Please help. I am frustrated and disgusted.
Consumer complaint received 2022-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (VA)

on XX/XX/2022 I XXXX XXXX a federally protected consumer sent SYNCHRONY BANK a request for debt validation, including but not limited to the initial agreement, debt collector failed to verify debt. Debt collector sent billing statements which is not verification of debt.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (GA)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX, XXXX Inquired on XX/XX/2021, XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXInquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Inquired on XXXXXXXX XXXX XXXX
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

I sent a debt validation letter to COMMONWEALTH FINANCE, they failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

I have also completely paid my medical bill with the XXXX XXXX XXXX, I have nonidea who COMMONWEALTH FINANCE is and what they are trying to collect from me, i do not have a contract with.
Consumer complaint received 2018-05-26
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. (MO)

( XX/XX/2018 ) I called XXXX this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. XXXX will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. XXXX kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a XXXX representative that refused to give me his name, he said he was from the XXXX branch within XXXX, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The XXXX rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the XXXX rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew XXXX was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if XXXX filed a false police report against me and they said that XXXX could not do that and they wouldn't take a police report on that if they did. XXXX does illegal things when dealing with students/customers and I would like something done about it.
Consumer complaint received 2016-10-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

Case number : XXXX I tried to dispute this case on the form they sent but for some reason it would not send. This is notification that I am disouting the reponse dated XXXX XXXX, 2016. I am writing in reference to the response received from Wells Fargo. 

I feel this is not resolved due to the following issues!. They stated they did not disclose personal information. I had XXXX packets left on my door step ( XXXX was taped with electrical tape to the front glass door ( XXXX pages ) and the duplicate copy of XXXX pages of information clearly written FORECLOSURE throughout XXXX page paperwork was strewn throughout my neighborhood and returned in pieces to me by several neighbors, friends, as well as landscapers and plumbers working on my neighbors homes. Extremely humiliating and absolute breech of privacy breech. How can Wells Fargo investigation reveal otherwise and that ets up a red flag. Again, I am in a situation that i did not choose. My spouse of 26 years left myself and XXXX children. I am a full time XXXX and a respected and active XXXX. I have worked hard for 4 years to raise XXXX children and upkeep in our property at XXXX XXXX XXXX XXXX MD XXXX. I have requested and applied for loan modification after loan modification and written XXXX hardship letters at least. Spouse and co owener of home is not willing to participate in any of these efforts and requesting home to crumble around myself and children. I had requested several times in writing that his mail from Wells Fargo and the like be mailed to his address in XXXX MD. Sounds as if this is finally resolved and thank you but what about all the correspondence he never received. I have watched people sent out by Wells Fargo to sit outside my home. How unsafe and unnerving is that an had neighbors asking wjhat they were doing? Everyone has a story, but what happened to our family was traumatic enough without all of this additional humiliation and breech of privacy. 
I am doing everything in my power to get a modification under my name only so that I can begin making mortgage payments to stay in my home at least until my kids are finished school. As a single mom, I can not afford a {$4000.00} pick a pay loan amount that is an upside down crooked mortgage as it is and I want that point investigated as well. I have spent thousands in an effort to keep this property maintained and have had XXXX flooeded basements in the meantime. 

I have contacted XXXX XXXX office and states attorney this month as well as years past and am in recepit of suggestions and recommendations for continued actions to try to keep my home. 
Thanks you again for your follow up. I did not even get a sincere apology., I got we are sory you have had frustrations. 

Thank you for the continued resoultion and follow up.
Consumer complaint received 2022-11-21
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/2017 XXXX {$2100.00}
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MO)

In XXXX of 2021, I opened a checking account with Wells Fargo online. About a month weeks later Wells Fargo closed the account due to personal info that wasn't provided by me within a timely manner. The account closed with an amount of {$540.00}. I spoke with rep from the complaints department, and she stated that I had to visit a local branch to receive the remaining balance from the checking account. The rep informed me that the nearest local Wells Fargo branch is XXXX hours from my place of residence. The rep provided the bank 's address and phone number to set up an appointment. I called the branch to set up a time to pick up the cashier 's check. The issue was forwarded to XXXX at the XXXX XXXX XXXX XXXX XXXX, IL location. XXXX stated it wasn't a need for me to drive XXXX hours away and that all he needed was for me to sign a form and when I returned the form, he would send the check via XXXX. A week after I returned the form, XXXX stated he hasn't heard from his boss and to call back or he'd call me back with more info. I've communicated back and forth with XXXX within a 45-month span. XXXX weeks ago, XXXX informed me that the check is being sent off via XXXX, the check comes with a tracking number. Unfortunately, I never received the check. Since then XXXX has been avoiding my calls and will not return my phone calls.
Consumer complaint received 2022-02-21
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: ECMC GROUP, INC. (VA)

XXXX XXXX XXXX Credit Report approx. XX/XX/XXXX and began to dispute inaccurate and/or outdated info. in credit file dated XX/XX/XXXX asking to correct Personal Data, and Disputed an ECMC Collection Account XXXX being reported. I also reached out to ECMC on XX/XX/XXXX advising that I disputed this claim and requested Validation. Mail was returned undeliverable from address listed on Credit Report : XXXX XXXX XXXX, XXXX, MN. XXXX. On XX/XX/XXXX I forwarded copies of returned mail to XXXX and instructed them to DELETE the derrogatory reporting. As of this reporting, XXXX has failed to respond, and I am asking that this item from ECMC be REMOVED from my credit reporting file due to failure to respond with the required time frame according the the Fair Dept Collection Practices Act. ( Prove it or remove it )
Consumer complaint received 2022-01-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I traded my purchase loan vehicle into XXXX XXXX  XXXX XXXX to start a lease on a new vehicle. I requested a loan payoff good thru the XXXX of XXXX from PenFed. XXXX XXXX  XXXX XXXX sent a payoff check in XX/XX/2021 and have proof it was signed for by XXXX. at XXXX on XX/XX/2021. To this day my account shows that I am due for the XXXX payment of {$1300.00} and the remaining loan amount of {$39000.00}. Since then I have called in over 3 times to get this resolved and I have been told it was being investigated, that it will soon post, and not to worry about it. To this day nothing has been done and I am receiving various types of notifications that my loan is in default. This is obviously in violation of FDCP regarding my loan that should reflect a paid in full status! I need this to be resolved ASAP!!!!!
Consumer complaint received 2017-03-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

University XXXX report debt to GLA collection after my health insurance paid for my child doctors visit. I contact GLA and show proof that bill was paid by sending them a EOB an explanation of benefits that show proof that they have paid. The collection company refuse to remove inaccurate information from my credit report. I do not owe this debt they need to remove from my credit report.
Consumer complaint received 2022-02-21
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. (CA)

The demand for XXXX has been made several times with false information and continued delays. I have provided them the reaffirmation information for the loan yet they have refused to correct it. The bank intentions are not consistent for a company that handles home loans with integrity. 
I have been lied to misrepresented to and ultimately made into the person at fault when the blame resides clearly on XXXX Mortgage. They have made false representations that I would need to reopen the bankruptcy to get my home to be reported for my credit report. 
This complaint started on XX/XX/XXXX and have been called and send numerous pieces of information that are inconsistent and that provide further delay which is causing me financial harm. 
I have provided the page in my bankruptcy that was filled on XX/XX/XXXX. This document provides the proof of the home being reaffirmed. The bank has dismissed this and advised that it is not. The document is provided to assist as the manner XXXX is handling my complaint is unethical. 
Due to XXXX being a large bank that is acting unethically need help to get this resolved. There is no need to delay, defer and deny my request when it clearly is under the fair credit reporting act.
Consumer complaint received 2022-11-21
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX US DEPT OF ED/XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$3900.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NV)

I applied all the necessary steps to get the credit bureaus to remove a third party reporting my bankruptcy on public account. They didnt complete a thorough investigation into reporting my bankruptcy. I contacted the bankruptcy clerk. They stayed they do not/will report to the credit bureaus. I asked the credit bureaus to correct their mistakes they doubled down and refused to remove the illegal reporting. I have last jobs Opportunities and other things based on them not correct in their mistake. I want to recruit charges for them not correct in their mistakes and other words I would like them to converse XXXX the matters at hand between myself and my wife. The third party was LEXIS-NEXIS they pull my files from pes to put it on my credit bureau report which is illegal the bankruptcy court do not and will not report anything to your credit bureau so LEXIS-NEXIS as a third-party pull the information and gave it to the credit bureau and they post it on my credit illegally I did not give any permission for them to put my information on my credit bureau. I want to FCBA to award for damage of myself and wife.
Consumer complaint received 2022-02-21
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. (MO)

Equifax needs to fix the issues about the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries that I am disputing : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

Simply I want to buy a car from XXXX, and I signed a one form for them to run my credit, and before they do I asked them a direct question you will run my credit only once right, the agent answer and his manager confirmed yes once only for sure. 
Few weeks later, I found that all listed firms run my credit without my authorization, I did n't sign one form with any of listed below firms : 1 - Wells Fargo bank on XXXX - XXXX XXXX 2016 2 - XXXX on XXXX - XXXX XXXX 2016 3 - XXXX on XXXX - XXXX XXXX 2016 4 - XXXX on XXXX - XXXX XXXX 2016 5 - XXXX on XXXX - XXXX XXXX 2016 6 - XXXX on XXXX - XXXX XXXX 2016
Consumer complaint received 2022-11-21
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (SC)

XXXX has been trying to contact me repeatedly for debt either not owed due to fraud, threatening me about seizeing property I dont have. Recently last week I told them Im very sick and have had XXXX of XXXX XXXX on my XXXX and not working at the account for XXXX shouldnt be owed due to have XXXX  XXXX multiple times not working having to stop working my kids XXXX XXXX me constantly in and out the XXXX XXXX XXXX XXXX due to XXXX XXXX. I lost my home I lost everything in my home. They repeatedly call either from different number and demanding me to contact other numbers to make a payment of {$1800.00} that I dont have. All American lives were at risk and I was fighting for mine. Before I even knew I had XXXX  I had XXXX  and just thought I was sick. But my kids were bringing it home from school so thats why my Dr wrote a note to the school stating my kids needed to go on Virtual due to the XXXX XXXX  I had already with my XXXX XXXX. Please remove this debt and stop calling me.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This complaint is directed toward Bank of America. 

I always pay my credit card in full each month with the Bank of America Travel Rewards Card. When I paid myXX/XX/XXXX bill, I was not sure that my payment of {$840.00} went through, since I did not receive an email confirmation. 

Therefore, I paid the {$840.00} ( again ), and later on, realized that I probably paid twice. The payment interface allowed me to submit the {$840.00} twice even though it was a very specific amount, and a reasonable person would probably stop me from paying the same amount again. 

I called my checking account bank, XXXX, to stop the charge. Then I called Bank of America to make sure that everything is okay on their end, I was told that all was fine. 

Three days later, I was charged {$25.00} for a bounced check fee. I called Bank of America to see if they can waive the charge, since 1 ) it was an obvious double payment and I was not warned, and 2 ) I was already told by a customer service rep everything was fine. After spending more than 20 minutes on the phone, I was told no by two separate customer service reps who suggested it was my fault.
Bank of America should make it easy for consumers to not double-pay their bill, and to at least warn us that there is a fee involved. This should be stated clearly on their bill pay page, and the fact that it is not there is a lie of omission.