davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (WA)

This is our problem : I accidentally overpaid my XXXX XXXX XXXX bill through my Citibank online banking service on XX/XX/XXXX. Instead of paying the XXXX XXXX XXXX bill which was {$200.00}, I paid them {$1700.00} which was to go to my XXXX XXXX XXXX Visa bill. My mistake. I called XXXX XXXX XXXX about this problem in XXXX, and they told me they would reverse the amount of {$1300.00} ( {$1700.00} minus {$200.00} ) back to us through the Citibank bill pay. That was supposedly done on XX/XX/XXXX. It never showed up. At that time we thought it was the fault of XXXX XXXX XXXX. After many phone calls and letters, XXXX XXXX XXXX created two investigations on their end. We also conferenced call with Citibank agents and XXXX XXXX XXXX agents to prove it to XXXX XXXX XXXX that the reversal had never been received. Finally, after speaking to XXXX XXXX XXXX XXXX Payment Research Team and following their investigation of the problem, they believe ( XXXX XXXX XXXX ) and I believe that the problem was on the Citibank end. At that point in time, we wrote and sent a letter to Citibank detailing the problem and suggestions that XXXX XXXX XXXX had. That was sent and received XX/XX/XXXX by registered mail. We waited and heard nothing back. We sent a second letter by registered mail that was received XX/XX/XXXX and to this day have never heard back. We have been with Citibank since the XXXX 's and thought that at least someone would reach out to us. We hope someone can help us resolve this problem.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2022 MY CAR WAS BROKEN INTO AT XXXX XXXX XXXX, THE XXXX TEXAS. CALLED THE POLICE TO MAKE A REPORT. ( XXXX XXXX CASE # XXXX XXXX XXXX XXXX XXXX. CALLED THE BANK TO CANCEL MY DEBIT CARD AND CHECKING ACCT. WEEK LATER XX/XX/2022 A BRANCH MANAGER CALLED ME LET ME KNOW SOMEONE WAS AT THE BANK WITH MY DOCUS TRYING TO WITHDRWAL XXXX SHE DENIED THE TRANSACTION BC THE LADY DID NOT MATCH MY SIGNATURE NOR SHE LOOKED LIKE ME. MINS LATER ANOTHER WELLS FARGO MANAGER CALLED ME TO APOLOGY BECAUSE SHE DID NOT PAY ATTENTION TO THE ACCT, THAT WAS ON FRAUD ALERT. THIS PERSON WAS ABLE TO WITHDRAW XXXX. FROM THE NEW CHECKING ACCT. A FRAUD COMPLAINT WAS FILE 1ST REF # XXXX THEY TOLD IT WILL TAKE ABOT 7-10 BUSINESS DAYS TO RESOVLDED MY ACCT. TODAY I CALLED TO CHECK ON THE STATUS AND WELLS FARGO TELLS ME NO COMPLAINT WAS ISSUE ON THAT XXXX OF MONEY. THAT THEY HAD TO FILE A NEW COMPLAINT FOR THAT XXXX. NEW REF # XXXX. I HAVE BEEN WITH WELLS FARGO FOR YEARS AND THIS IS NOT RIGHT. WHO IS NOT GOING TO FILE A COMPLAINT WHEN SOMEONE ELSE TAKES THEIR MONEY. I DEPEND ON THAT BECAUSE BC IM CURRENTLY XXXX XXXX XXXX. THIS HAD BEEN EMOTIONAL STRESS AND PHYSICAL. I NEED SOMEONE TO PLEASE LOOK INTO THIS ACCT OR CASE. ALSO THEY TOLD MY THAT MY NEW ACCT WAS GOING TO BE ON FREZZED MODE THAT NO AUTOMATIC MONEY WAS GOING TO BE ABLE TO COME OUT. AND THEY HAVE NOT DONE SO. NOW MY ACCT IS ON NEGATIVE BECAUSE AL MY AUTOMATIC PAYMENTS ARE BEING PULL. THIS IS SO UNPROFESSIONAL.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

There are alledge collections and charge offs accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX  /account number xxxxxxxx agency name XXXX XXXX XXXX XXXX account number xxxxxxxxxxxxxxxxx XXXX  XXXX XXXX
Consumer complaint received 2020-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (NJ)

Collection agency has been reporting wrongful debt to credit agencies since XX/XX/XXXX. 
As a XXXX member, I was billed directly by XXXX XXXX. XXXX XXXX never billed my medical insurance in which I was covered. XXXX XXXX  attempted to collect the debt through third party collection agency. In XX/XX/XXXX, I contacted all parties involved to explain the situation. I have repeatedly disputed the accusations of the collection agency but they still continue to report negatively to the credit agencies. I have called the collection agency multiple times, with no response from them at all. In XX/XX/XXXX. I sent two official certified debt validation letters that they did not respond to. As of today they are still reporting negatively to the credit agencies. 

Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter
Consumer complaint received 2021-10-07
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 like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have attached a copy of the ID Theft Report with this complaint.The report number XXXX. Please review.
Consumer complaint received 2022-09-20
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-28
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. (FL)

The two XXXX  XXXX accounts are reporting to my credit report and they are reporting incorrectly and damaging my credit score. XXXX  XXXX reports to the 3 bureaus and they dates that the account was opened is different on all the bureaus. I have attached pictures of these accounts with the highlighted area that is not correct on all three. Being that they are suppose to report accurate information on all three bureaus from the same information received from XXXX XXXX this needs to be deleted from all three of my credit bureaus.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter XXXX, XXXX and EQUIFAX in regards to these accounts on XXXX, XXXX, XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2021. I have not received a report and XXXX, XXXX and EQUIFAX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Consumer complaint received 2021-01-28
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: CITIBANK, N.A. (NY)

I am having a monumental problem with Macys and my credit reporting agency. When XXXX and XXXX agencies report to Macys, they are sending in reports that indicate that my XXXX score is under 500. I have never had a XXXX score of 500 or less. I do not understand why I am having so many problems with the credit agencies and Macys. 

The credit bureau tells me that it's not their fault and Macy 's tells me it's not their fault in the meantime no one is willing to assist me. 

Macys tells me that you are consistently sending the same information to them, indicating that my credit score is deficient and high risk. WHY? I get conflicting information whenever I speak to a representative at XXXX & XXXX. 

I am disputing the information they are forwarding to Macys. I dont know how to correct the mistake Of the credit bureaus as well as Macys records. A Macys credit specialist advised me to contact the Credit Bureaus and have you send them the updated information. I have been disputing this information since XX/XX/XXXX and still have no resolution to the problem. 

I am a senior citizen and being unjustly punished. I keep getting the run around from the credit bureaus and Macy 's.
Consumer complaint received 2020-12-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (OK)

XX/XX/2020 third party collector called and hung up in my face from a local telephone number. Contacted them back by being transferred through Ally Bank automated system to advise them that I had GAP coverage and that the almost {$13000.00} balance shouldve been directed back to the manufacturer or dealership ; the collector wouldnt listen and told me to go back and contact the dealer or manufacturer. See all 3 attachments that reflect GAP insurance was purchased. 
XXXX Warning : not a service member, veteran, dependent, or spouse )
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-01-08
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: U.S. BANCORP (FL)

On XX/XX/XXXX & XXXX, XXXX I had XXXX  tests conducted at a hospital which I charged to my VISA credit card. The cost was {$340.00}. 
I was told I would be contacted in a few days about the results. 
I was never contacted and since then I have made 7 failed attempts to get the results of the tests from the hospital. 
On XX/XX/XXXX I began the dispute process with the credit card company. 
On XXXX XXXX I mailed back a questionnaire with details to the credit card company. 
On XXXX XXXX, having received a response from the credit card company that the merchant certified that the services had been rendered, I mailed a rebuttal letter to the credit card company saying that although the tests were conducted, there is no sense in having tests done without getting the results, and requesting that the dispute be upheld. 
On XX/XX/XXXX I received notice from the credit card company that they were rejecting my dispute.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WI)

After the data breach with Equifax, I put a freeze on my account with them. 

I have tried a number of times over the past 6 months to get my credit report via XXXX from Equifax, but each time, I get an error that they are unable to complete my request, and that I have to mail in documents. Since my data was involved in the Equifax breach, I'm reluctant to trust them with that sensitive documentation, so I have been trying to find an alternative. 

I also have a myequifax account, set up when I froze my report, and similarly over the past 6 months have tried a number of times to login and remove the freeze, but when I attempt to login, I get a generic error and a phone number to call. 

When I call the number, or when I call any number to reach equifax to discuss the freeze and the inability to get my report, it takes me through identity verification questions, and without fail ( I have tried calling many, many times ), the 4 questions do not pertain to anything in my credit report. I answer None of the Above to each, and inevitably, the automated message says that they are unable to complete my request. 

I can not figure out ANY WAY to get in touch with a human being at Equifax to see what is going on with my report, and after hours and hours on the phone, and months trying to figure this out, I don't know what else to do.
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

My mortgage account for them was under forbearance until XX/XX/2021, at which time I made three consecutive payments for XXXX, XXXX, and XXXX. They then confirmed we would proceed with loan modification and would send the paperwork to me 30-45 days afterwards. I have called several times and they concede this has not happened and asked for more time. Every month I incur extra accumulated interest, since the interest rate on this loan is 2 % higher than what I will get when I refinance. Nationstar/Mr Cooper accumulates interest owed every month they delay. Moreover, I am totally unable to refinance this mortgage and other mortgages until this is resolved. It is artificially impeding my credit score while they reap an absurdly high interest rate ( 5 % on a 20 year fixed ). No offer to refinance has been made and I incur thousands in additional interest costs as a result.
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gurstel Law Firm, P.C. (AZ)

This card was part of a bk ( {$3800.00} XXXX XXXXXXXX XXXX XXXX  ) Gurstel Law Firm P.C. sends me to voice mails. Agents not willing to help resolve and is hindering the owner of the property to refinance, causing hardship to me and the property owner. I have sent the docs they request and still no action. I feel this company is purposely causing this hardship and their process is to hurt consumers during their recovery.

- Request for Lien Removal Attached is a copy of the court doc removing our attorney THURSDAY, XX/XX/2020 XXXX XXXX  XXXX3rd Written Request - multiple calls no return>
Consumer complaint received 2021-01-28
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: ATG Credit, LLC (PA)

I attended XXXX XXXX XXXX XXXX back in XX/XX/XXXX then due to circumstances with my family, I had to leave then re-enroll in XXXX. From that first enrollment, I was told by multiple financial aid advisors that I had no other account with them and that I am all up-to-date in my student loans. I received a few calls throughout XXXX regarding an overdue balance of {$4500.00}. I would ask when it was placed, ANY information regarding it and they would just say " you have a balance of {$4500.00} and It doesn't show me any other information after that. There's nothing else on your account so you should be all set. '' I thought it was super weird and suspicious that no one can tell me where this {$4500.00} came from and if it was from that first enrollment period then I can understand but nothing else showed in the system for them? 
After not getting random phone calls every 4-6 months, I received a letter in the mail saying the account is in collections with ATG credit and you need to settle the amount of {$4200.00} immediately. I check my credit score regularly and immediately had seen at that moment it hit all 3 credit bureaus and my score dropped 30+ points. I explained to ATG credit that XXXX confirmed multiple times I do not have any unpaid balance with them and there is no record of that amount coming from anywhere else, not from my 1st enrollment or 2nd, NO WHERE ELSE.

It is extremely fishy and disheartning to see my credit score drop so drastically when I worked my XXXX off building it up to a good spot to buy a house in the near future and to be financially stable. I was at a great place with it, compared to where it was originally, and this collection account wiped away all that hard, earned work. 
I disputed it multiple times with XXXX XXXX and XXXX  but there has been no luck with XXXX. Both XXXX  and XXXX  removed the collection account from my reports but XXXX  is, for some reason, keeping it on there. It is so frustrating because I had the same thing happen with XXXX XXXX and found out, through the XXXX  that they are frauding accounts due to the pandemic. Please comply with the rest of the reports and remove the ATG Credit collection account for {$4200.00} off my XXXX  credit report immediately. Thank you for listening!
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One credit card has shown no remorse or help during hardship of XXXX. The are the worst company to deal with and would not want others to fall in this same trap. It is heartless to the story of someone that was in XXXX  for months and still will not help with interest. Horrible company.
Consumer complaint received 2019-11-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dunlap Gardiner LLP (GA)

On XX/XX/XXXX I was served with summons for case number XXXX Filed by Dunlap Gardiner LLP Dunlap Gardiner LLP Presented them selve 's to be the Collectors for XXXX XXXX XXXX XXXX this means the FDCPA Rules Applied to them under 15 USC 1692a ( 6 ) Dunlap Gardiner LLP is in violation of State Law and the  FDCPA Rules XXXX XXXX & XXXX XXXX of Dunlap Gardiner LLP under Oath stated that the information in their Statment of Claim and Exibit A which was incorporated and made a part of their Statement Of Claim was Just and True in Violation of O.C.G.A. 16-10-70 ( 2010 ) 16-10-70. Perjury on Exhibit A ( 8 ) they told the court that they mailed a Collection Letter via first class and that the Defendant failed to Object ( Dispute ) to the Validity and amount fixed they also included a copy of said letter dated XX/XX/XXXX but it was actually posted XX/XX/XXXX account was disputed right away with a Dispute Letter Dated XX/XX/XXXX a copy of said letter is attached to this complaint and incorporated by reference and made part of this complaint In their own statement they prove they failed to validate this Disputed account in violation of the Fair Debt Collection Practices Act, 809 : Validation of Debts. 

FEDERAL court has ruled against Debt Collectors filling a lawsuit on Disputed Accounts UNITED STATES OF AMERICA VS ASSET ACCEPTANCE LLC 3. Case # 8:12-cv-00182-T-27EAJ COURT ORDER 01-31-2012 01Case # 8:12-cv-00182-T-27EAJ Ill. 
Asset acceptance was Order to pay pursuant to Section 621 ( a ) of the FCRA, 15 U.S.C. 1681s ( a ), and Section 5 ( m ) ( 1 ) ( A ) of the FTC Act, 15 U.S.C. 45 ( m ) ( 1 ) ( A ), the amount of XXXX XXXX XXXX XXXX XXXX dollars ( {>= $1,000,000} ). 
for violation of the FCRA and the FDCPA XXXX XXXX & XXXX XXXX of Dunlap Gardiner LLP have brought a Lawsuit against me by Lying to the court in their statement of claim this is a violation of O.C.G.A. 16-10-70 ( 2010 ) 16-10-70. Perjury they presented misleading statements showing a letter with a date of XX/XX/XXXX when in fact this letter was stamped by The United States Post Office on XX/XX/XXXX in an attempt to make the court believe the 30 days required to dispute a debt had already passed copy of stamped Envelope is attached to this complaint and incorporated by reference and made part of this complaint This is a Violation of the Fair Debt Collection Practices Act, 15 U.S. Code1692e. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2021-05-21
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. (NY)

It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ) XXXXXXXX XXXX Account # XXXX XX/XX/2016
Consumer complaint received 2022-03-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLIANT CREDIT UNION (AZ)

On XX/XX/26 Alliant Credit Union reposed my vehicle. However, my was and still is in good standing. They were in breach of contract. They have not offered to remediate their breach of contract. They did have my vehicle returned. I dont feel this is enough. They are trying to sweep this under the rug.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (OH)

I've disputed these credit inquiries on XX/XX/XXXX. I haven't got any response it's been past 60 days. I did not authorize these credit inquiries and Equifax is giving me a hard time removing them. They haven't sent any original consumer contract with my signature on it. 
I want these hard inquiries off my credit report according to the FCRA Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify. 

XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX