davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

On Friday XX/XX/2021, I listed an item for sale via XXXX on XXXX app. On Saturday morning, XX/XX/2021, I was contacted by a person, who I figured out later it is a stolen account. 
The unknown guy, who was using this account, contacted me regarding my list. 
When I asked him about the payment method, he asked me to download XXXX XXXX to receive my money, which Ive never used it before. To set up an account on the app, you have to enter a bank information, which I did by using my TDbank account. On XX/XX/2021, Ive received a text message says there is {$300.00} transferred to XXXX XXXX. First, I thought it is a spam. On XX/XX/2021, I received another alert from my XXXX bank, which is the main account Im using that there are XXXX not authorized action was done earlier morning for {$77.00}. I responded back to XXXX that I didnt do these transactions. These transactions happened outside USA. 
There was a hack happened on XXXX XXXX after I downloaded it. The real person information is : XXXX XXXX XXXX because there was {$300.00} posted under this account. 
XXXX hacked the XXXX account and used it to communicate with me. 
XXXX started to hack all my credits accounts, where XXXX is a very secured account and my cellphone. Ive opened an identity theft report @ XXXX XXXX Police Department, case number XXXX. My identity theft from FEDRAL TRADE COMMISION is XXXX
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/2022 I paid in full a balance I had with Synchrony Bank also known as Care Credit in the amount of {$970.00}. I had a {$1000.00} credit limit. On XX/XX/2022 I checked my XXXX XXXX account and checked my credit score. I saw that Care Credit had deliberately misreported that I was late on the account twice and the account was still unpaid and therefore lowering my score on both my XXXX and XXXX reports by nearly XXXX points. I immediately reported the misinformation and disputed the report through XXXX. On XX/XX/2022 XXXX acknowledged the misinformation and updated my credit report. They then after the fact retaliated by lowering my credit limit to {$250.00}. They sent me a letter by email saying it was due to high balances on my credit report which is obviously a blatant lie. I severely doubt it was coincidence that they made this decision after they had already been paid in full and was caught deliberately misreporting by XXXX AND made this decision on the very same day they they corrected my credit report. I would like one of two things to happen. The first option : to apologize to me for the extremely poor customer service, the erroneous damage to my credit report, and the gross breach of business ethics and people skills and to restore my credit limit to the original {$1000.00}. The second option : Close my account altogether and cancel my card. If they can not perform business honestly and fairly and treat me as they would like to be treated as a customer and a person then I have no desire to do any further business with them at all. There is literally no amount of money in this world for me to accept abusive business practices or be bullied in any form from anybody much less a business I just paid in full in the amount of nearly a thousand dollars.
Consumer complaint received 2021-11-12
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)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XXXX XXXX XXXX ; 2. XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-02-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (FL)

INXX/XX/XXXX " PAYDAY LOANS '' IN THE STATE OF ARIZONA WERE DEEMED ILLEGAL. " SPEEDY CASH '' ( A PAYDAY LOAN COMPANY ) OPENED AND CREATED '' ILLEGAL CONTRACT '' UNDER THE STATE LAWS. 

SPEEDY CASH THEN " SOLD '' ILLEGAL CONTRACT TO " AD ASTRA RECOVERY '' TO COLLECT PROCEEDS OF ILLEGALLY OPENED CONTRACT. 

AD ASTRA IS NOW ATTEMPTING TO COLLECT FUNDS FROM THE " ILLEGALLY ESTABLISHED CONTRACT ''. 

" SPEEDY CASH '' OR " AD ASTRA '' ARE NOT ENTITLED TO COLLECT FUNDS FROM ILLEGAL CONTRACT THAT SPEEDY CASH KNOWINGLY ESTABLISHED. 

" AD ASTRA HAS NOW ENTERED THEIR ATTEMPT TO COLLECT " ILLEGAL CONTRACT MONIES '' AND HAVE PLACED A DERRAGATORY MARK ON MY CREDIT REPORT ... THUS AFFECTING MY CREDIT SCORE NEGATIVELY AND IS PRESENTING AN OBSTACLE IN MY ATTEMPT TO REPAIR/CLEAN/ESTABLISH MY CREDIT SO-AS TO BE ABLE TO GET A MORTGAGE APPROVED IN MY NAME AND BUY A HOME FOR MY WIFE AND I. 

I HAVE DISPUTED ITEM WITH CREDIT BUREAU 'S, AND AD-ASTRA HAS UTILIZED TACTICS SO AS TO KEEP DISPUTED TRANSACTION ON MY CREDIT FILE ... .LIKE " REMOVING FILE FROM CTEDIT REPORT ... RAISING AND LOWERING DEBT AMOUNT BY {$1.00} ... THEN RESUBMITTING DEBT AS A " CHANGE IN BALANCE '' ON EXISTING FILE. 

THE COLLECTION AMOUNT THEN SHOWS UP BACK ON MY CREDIT REPORT, WHICH I AM THEN TOLD I HAVE TO " RESUBMIT DISPUTE '' BASICALLY STARTING ME BACK AT SQUARE ONE AND DISPUTE NOT RESOLVED. 

DIRTY TACTICS CREDIT BUREAUS ALLOW THEM TO GET AWAY WITH AT CONSUMERS EXPENSES. 

I WANT COMPLAINT FILED ... AND THIS REMOVED FROM ALL CREDIT BUREAUS AS IN THE STATE OF ARIZONA ... THIS TYPE OF TRANSACTION IS DEEMED " PREDATORY AND ILLEGAL '' AD-ASTRA IS THE DEBT COLLECTOR RESPONSIBLE FOR CREDIT REPORT FILING AND THEY NEED TO ADDRESS AND FIX THIS ATTEMPT TO COLLECT AN ILLEGAL DEBT ON AN ILLEGAL CONTRACT. 

XXXX XXXX XXXX
Consumer complaint received 2022-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rainier Collection Services, Inc. (WA)

On XX/XX/XXXX I had surgery requiring XXXX  The surgery center sent XXXX XXXX XXXX an in correct address for me. On XX/XX/XXXX I received a call from XXXX XXXX stating that I had not paid my bill to XXXX  XXXX and if I did not make a payment plan with them it will go on my credit report. I paid them {$480.00} on XX/XX/XXXX and on XX/XX/XXXX the same amt. I called XXXX XXXXXXXX and let them know I did not receive a bill and corrected my address and phone number for them. I was told by billing that it had been billed to my insurance and that there was nothing they could do since it was sent to collections already. I had not received anything from my insurance and when I called they stated it had not been billed. Insurance stated that it could still be billed to them for payment. I contacted XXXX XXXXXXXX  and requested they do this. I refused to make a third payment to XXXXXXXX XXXX  because of the bill being submitted to insurance. Rainier XXXX  asked XXXXXXXX XXXX to hold doing anything further as they were waiting for payment from insurance. XXXXXXXX XXXX ended up placing it on my credit report anyway. I finally complained enough that XXXX XXXX  removed it from my credit report. In XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX were paid the contracted amount owed them from the insurance of {$840.00} my patient responsibility ended up being {$93.00}. 
( Which I have not seen a bill for still. ) I have been going back-and-forth between XXXX XXXXXXXX  XXXX billing and XXXX XXXX to be refunded the {$960.00} that was paid to them with a little help. I have been told by XXXX XXXXXXXX that since I paid the money to XXXX XXXX I need to deal with them to get refunded my money back. I have heard nothing from XXXX collections. I would have paid my bill had I known about it. Even with not receiving a bill due to the wrong address if they would have billed my insurance I would have at least received an XXXX which would have shown me what I owed. I could have then called XXXX XXXXXXXX billing and paid them.
Consumer complaint received 2021-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been a victim of identity theft. When I became aware of the fraudI I tried to find out the necessary steps to repair the damage that has been done. I noticed that many of my existing accounts had been compromised with fraudulent charges that weren't authorized by me. I was advised to get a police report, file a complaint with the FTC, and to send a notarized affidavit to the credit reporting agencies. I sent in the required documents and they removed the items that had been affected. Shortly after they removed them, Transunion decided to reinsert the very same items, and said that the items had been verified. That is a clear violation of the law and of my rights.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (LA)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

I filed a dispute with Conduent, the company contracted to do the customer service for the Way2Go XXXX Card, on XX/XX/2020. The letter sent to me requesting a form to be filled out and provided information on the dispute process clearly states ; ( this is taken directly verbatim from the letter ) " If a letter outlining your dispute details or the attached Investigation Form is received within 10 business days from the date of your initial call, and the investigation is not complete, a provisional credit will be issued to your Card account on the 10th business day while we continue our investigation. '' The wording specifically states ON THE 10TH BUSINESS DAY. I had a gentleman attempt to argue with me that the day I filed the dispute doesn't count. That isn't stated in the letter, but that would make today ( XX/XX/2020 ) the 10th BUSINESS day instead of the 11th anyhow. He then wanted to argue that today isn't a business day because it's Saturday where he is. It's still Friday here and just because you are in a different time zone and the day changes it doesn't invalidate the fact that the previous day still occurred and just so happened to be a business day. The only reason that I can find that they would attempt to use the XXXX as the 10th business day would be to not count the date filed and then XXXX XXXX. However not a single person has mentioned that to me, but I am sure after reading this that will be the excuse given. Even still, the wording states, " received within 10 business days from the date of your initial call '', that would mean that the first day is counted, as I believe the word " within '' means inclusive. I have read nothing but complaint after complaint about how this company does business and am actually appauled that they have contracts with Federal and Local governments. Regardless of how they handle this situation, I have every intention of filing formal complaints with the Attorney General, XXXX, FTC, and the FDIC. This is a clear violation of Regulation E and it appears this is something that they regularly practice, and they will continue until oversite is accomplished. And I will email XXXX XXXX XXXX office about this every single day if I have to. My complaint may be only one and small, but the THOUSANDS that have been submitted aren't a coincidence.
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (WY)

I received an account closure notification from Chime.com ( XXXX XXXX, XXXX ) with a notification that I would not get refund of my balances until I provide " documents '' that they do not specify which. 
I sent an email to XXXX asking how will I receive my remaining balances and they did not respond. 
I have around XXXX XXXX dollars on my account that they are holding.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

Two payments of {$1300.00} were made. One on XX/XX/2021 and the other on XX/XX/2021. 

A refund check was sent to me for {$1400.00} for the overpayment. Now, Synchrony Bank is saying one of the payments for {$1300.00} wasn't paid. Even though their records indicate it was.
Consumer complaint received 2021-02-24
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. (OR)

There are five " hard '' inquiries on my Equifax report. I submitted an online dispute on XX/XX/2021, which they resolved within one day. They're response was " inquiries are a factual record of file access ''. Obviously they did not investigate this with the inquiring entities or third-party sources to confirm or deny my dispute. I submitted a second dispute for the same five " hard '' inquiries via certified mail and I accessed the results which were received on the XXXX of XXXX completed the XXXX of XXXX. Again, they used the same illegal response. The burden of proof belongs with the CRA ( Credit Reporting Agency ) thus I am sending a final demand for their removal but would like to include the CFPB complaint number so they understand how serious I take their lack of compliance with federal law.
Consumer complaint received 2021-11-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (IL)

I purchased my home in XXXX of XXXX My first payment of XXXX due on XX/XX/XXXX with a XXXX I dont have XXXX -Nov of XXXX but I can find if needed... .. these are the dates that payment posted to my bank account. These are payments of {$530.00} at a fixed rate of XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ( for XXXX ) Paid XXXX XXXX paid XXXX XX/XX/XXXX. XX/XX/XXXX went on forbearance for XXXX mo, with agreement to tack these payments to back of my loan. On early XXXX went into loan modification with XXXX. XXXX picked up loan, XXXX modified again in XXXX ( I'm steady asking for paperwork on this and steady making my payment per origional modification XXXX XXXX at {$510.00}, untill XXXX they raised it to XXXX XXXX XXXX Steady getting forclosure notices past due notices. I kept calling to get paperwork on modification, and why I'm getting all these notices? Everybody gon na look into it and get back with me. NOBODY has EVER called me back XXXX have XXXX dates and times and names of who I spoke with trying to get this straightened out. Never the same person 2 times and nobody knows anything, except, that It shows all payments made on time and XXXX and that they failed to send me doc. to sign so the modification is not valid. I was supposed to be off forbearance XX/XX/XXXX ( STILL ON IT ) told them I didnt want to be on it I have complied with all the rules and because they failed to send me the paperwork It's not effective, Wrong > This is not due to any fault of my own. This is on them I asked several times for the paperwork and got nowhere My beginning loan was XXXX They say I still owe almost that much and all my payments made on the modification have been applied to past due payments ( that I should not have )! It's all a mess and I have tried to talk to them about it They have me starting forbearance in XXXX when in fact I was done in XXXX and started in XXXX ( XXXX ) plus I made a {$200.00} while still on forbearance for a total of {$10000.00} So How can they say I owe all this back payments that are supposed to be tacked to the end of my modification And they upped my supposed payment amount again! XXXX is royally trying to XXXX up my credit and my life. This has caused me undo XXXX XXXX XXXX How can they get away with treating people like this. I am XXXX yrs olds and live alone. I hope that they will be decent people and make this right according to the first modification as it should be, and get rid of past due and non payments and negative credit reports as should of been done over XXXX mo ago!!!!! How many old ladies have they taken advantage of?
Consumer complaint received 2024-11-21
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

I never received my prepaid cards for my stimulus payments in XXXX. I contacted the IRS and they told me to contact the prepaid card company. When I contacted the prepaid card company -- Money Network -- they told me that all of the money had already been withdrawn off of both of the cards. I explained that I never received the cards and so an identity thief must have withdrawn the money. They sent me forms to fill out and send in so that they would investigate my fraud dispute. I filled out two forms ( one for each card ) and faxed them in, along with a copy of the police report that I filed with the XXXX XXXX XXXX Department. However, the company never responded in writing to my dispute. 

After more than 10 days had passed, I called again to check on the investigation. The representative told me that my claim had been denied because of " the authentication of the PIN number being used '' to make the withdrawal, but they would credit me about {$20.00}. 

This didn't make any sense to me, because I never received the cards and did not have the PINs. It makes sense that the identity thief would have done this. The representative told me that I could appeal. I submitted an appeal for each of the XXXX accounts, in writing, and submitted them by fax. They had told me it could take up to 90 days to get a decision, but I called to check in after 30 days. The representative I spoke to told me 'the decision stands ' with no further explanation. 

Since then I have called repeatedly -- at least XXXX times -- to try to speak to someone who could actually do an investigation of my fraud claim. I have spoken to supervisors, the 'escalations ' department, and others. I have sat on hold for hours, been hung up on, and spoken to many different people. Some of them have been very rude and unprofessional. Nobody at Money Network has been able to help me with this. They still have not credited my account ( beyond approx {$20.00} at the beginning ) or sent me another card. 

The Dispute ID numbers that Money Network gave me are : XXXX and XXXX
Consumer complaint received 2021-04-05
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: Global Lending Services LLC (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX inquiry XX/XX/2020 XXXX  XXXX XXXX inquiry XX/XX/2020 GLOBAL LENDING SERVI inquiries XX/XX/2020 and XX/XX/2020