davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

My name is XXXX XXXX XXXX. In XXXX of XXXX I was a victim of Identity theft. When I applied for my unemployment benefits for the month of XXXX an unknown person had taken my identity, changed my email address and stole my benefits for the month of XXXX. I was unaware of the identity theft until I went to Career Link to apply for employment, and they noticed I had a second email address and a resume with false information that I did not recognize. I notified the PA Unemployment Office immediately. I was told that an investigation will be performed. In XXXX of XXXX, I received a letter from XXXX XXXX stating that I owed {$1100.00} to Midland Credit Management Inc, a collection agency. When I contacted Midland, they told me that they were attempting to collect a debt that was owed to XXXX XXXX Bank. I let them know that I have never owned a credit card from XXXX XXXX Bank. Midland gave me the phone number to call XXXX XXXX Bank. I also received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX  of Pennsylvania stating I have to appear in court on XX/XX/XXXX, at XXXX. in reference to this debt that I never acquired. I was then told to report this to the Federal Trade Commission online and it has led me to this website.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (KY)

I opened a Belk Dept. Store account in XX/XX/XXXX. I used the account one time in XX/XX/XXXX ( {$66.00} ) and paid the bill when received. I used the account again in XX/XX/XXXX( {$85.00} ) and never received a bill ( s ). My husband and I have a joint checking account and he pays all bills in our home. Neither he, nor I, thought about NOT receiving a bill from Belk. 

Fast forward to XX/XX/XXXX. I applied for XXXX 's credit card, and was denied. I have never been denied credit before and was a bit surprised, but just assumed that I when I was pushing the buttons on the screen, I made a mistake in the numbers I pushed for my income. Then on XX/XX/XXXX, I received a letter from XXXX XXXX XX/XX/XXXX explaining the decision for not issuing a credit card was based on a charge-off in the last 12 months that was noted on my credit report by XX/XX/XXXX. 

I had no understanding of what a charge-off meant and I had never requested a copy of my credit report and decided now was the time to look into the matter. 

I was so surprised to see the Belk charge ( s ) of over a year ago. A charge of {$85.00} went to {$340.00} with late fees.

I called the number on the Belk web page and was put through to Synchrony Bank. After many trials, I eventually learned that the bills had been sent to a former address and due to my nonpayment, my account was sold and I should contact the new owner of my account. 

I went to the nearest Belk store and talked with an assistant manager and she tried helping, but once again I was routed to Synchrony Bank and was given the same message.

I always pay bills when received, as my credit report shows. My concern is that a bill from Synchrony Bank never arrived at my house and I was never notified by Synchrony Bank that my credit score was going to be compromised.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am requesting a Refund of the Past Due Fee on XX/XX/XXXX in the amount of XXXX and the pass due fee of XXXX on on XX/XX/XXXX. Since the Switch over from XXXX  to Capital One I have not recieved my bills and the App malfunctions and does not tell the Minum Due on the Home Page
Consumer complaint received 2021-10-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

While preparing for vacation, I reserved a room at XXXX by XXXX XXXX XXXX, MO XXXX. As our vacation drew near, we discovered that XXXX XXXX, MO was experiencing flooding in the downtown area, so we canceled that reservation and decided we would stay there on our return trip home. This was XX/XX/2021. Immediately upon cancellation, Bank of America billed us {$120.00} for the reservation. This should not have happened, as I had canceled 4 days in advance of the stay. I contacted Bank of America, and they removed the charge from my account on XX/XX/2021. We proceeded with our vacation and stayed at XXXX by XXXX XXXX XXXX, MO Downtown on XX/XX/2021 for which we were billed {$280.00}. This charge was legitimate. Later, on XX/XX/2021, I found that Bank of America had reinstated the charge of {$120.00} to my account stating that an authorized user of my account had made the charge. This is not correct. I contacted XXXX  by XXXX XXXX XXXX, MO XXXX and they said that they had not billed me or received payment for XX/XX/2021. I contacted XXXX XXXX headquarters and they also stated that they did not charge me nor had they received any payment for XX/XX/2021. I have called Bank of America about this charge on 3 occasions. I have also written two letters to Bank of America. They tell me that they are still investigating the claim. It is now XX/XX/2021. This dispute should have been resolved long ago. I want my account credited {$120.00}. I do not know who Bank of America gave my money to since XXXX says they received no payment, but I want Bank of America to give it back.
Consumer complaint received 2021-02-21
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)

Credit Inquiries- I've called and advised them many times that these credit inquiries with no credit history status does not belongs to me. I asked if they can remove the inquiries I was told No. As the consumer I have the legal rights to demand removal if and indeed these accounts does not belongs to me.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, my Wells Fargo Checking and Savings accounts were hacked with unauthorized wire transfers via the Wells Fargo mobile app ( which I do not use ). Initially, the hackers attempted to take {$390.00} from my checking and were thwarted, however, they were able to take {$11000.00} from my savings. The fraud specialist promptly shut everything down ; online logins, my debit card, and both account numbers. 

On XX/XX/XXXX, I called the fraud department for an update on my claim and WF is telling me the claim is closed because they could not retrieve the funds from the beneficiary account and all I can do is file a police report. I asked the Bank Manager to escalate the claim and at this time, the only recourse seems to be that I keep requesting WF to continue to make attempts to return those funds to the account from the beneficiary bank. The Branch Manager told me sometimes it takes a few attempts, but I'm not convinced they'll retrieve it. I filed a police report with XXXX XXXX as well as an online FBI report. 

On XX/XX/XXXX, I had the WF fraud department attach my police report case number to the file, which may or may not reopen the claim.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I was scammed in XX/XX/2021 and reported it to USAA which charged off and closed one of my checking accounts and froze all of my other bank accounts, making it impossible for me to conduct any banking transactions. After being scammed, I was unemployed and desperately needed the COVID economic stimulus check which I was counting on to make ends meet until I could find another job. Unfortunately, my checking account frozen by USAA was the recipient of my COVID emergency relief stimulus check. USAA has refused to release the funds which are intended for emergency assistance to me and are keeping me from that money until I am able to pay off the other charged off account. Having my accounts frozen ruined my credit because I was unable to access my stimulus to make any payments. When I needed the stimulus the most I was refused the emergency assistance due to an unrelated charged off and closed account. I have tried repeatedly to resolve it this with USAA and they have refused to help me. Their response to the scam ruined my financial standing worse than the scam itself as freezing my accounts and withholding COVID emergency funds ruined my perfect credit history.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

I the undersigned, a financial and marketing professional was desperately seeking a job since XX/XX/XXXX, after being laid off. I was interviewed and accepted for the job and agreed to sign a contract. On XXXX XXXX XXXX. I received a check by FedEx mail, track # no XXXX from a certain XXXX XXXX who claims to be a Business Executive Manager who interviewed me to be his Assistant and work for him full time. 
As instructed by the new employer I deposited it into my checking account. 
I realized suddenly, It must be a scam and reported to my Bank the following day on XXXX, XXXX, XXXX. It was turned to be a scam. I called also my SunTrust Bank informed the whole story the check was put on hold. I haven't touched the disputed check amount which is on held. The SunTrust Bank, send me a letter on the hold on XXXX XXXX, XXXX the XXXX XXXX when I attempt to withdrew money from My Direct deposit from Social Security and part time payroll check, my account is inactive. Since then I am trying to reach the Bank no one answers a call after a XXXX hold. I sent email messages, no reply at all. I could not pay my bills and have no money to spend for my food, gas and daily expenditures. I want the SunTrust Bank to to resolve the issue, before I open a law suite against for all damages and hardships that I am encounter. I need the XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021, I transferred {$28000.00} from my Bank of America 's checking account to another Bank of America account ( XXXX  XXXX  XXXX  ), not knowing it was a scam call until the next day on XX/XX/2021. Bank of America failed to respond and retrieve my money back from the scammers on time despite the fact that I reported it the next day. It took them 4 days to send me a Scam Victim Acknowledgement form, which took place on XX/XX/2021. I signed and faxed it back to them on the same day. Then they responded back 8 days later on XX/XX/XXXX to tell me that they were not able to recover my funds. I filed a police report on XX/XX/XXXX as well and the XXXX is waiting for Bank of America to respond to the summon/subpoena.
Consumer complaint received 2022-07-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc (IL)

XXXX with the National Service Bureau has contacted my husband 's telephone for the second time, XX/XX/XXXX at approx XXXX pm about a debt owed for an insurance auto claim. he claimed that I was not insure when in fact I am, and an attempt to collect a debt that is not real or legal to collect as I am insured, and not at fault in any accident. 

He threatened to have my license revoked by the DMV for nonpayment, claimed he was not beholden to the FDCPA, refused to put my husband 's number on the do not call list and was extremely threatening and hostile. I also requested that he mail out documentation of the debt which he refused to provide staying that he didn't have to.
Consumer complaint received 2021-02-21
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. (NC)

XXXX, XXXX and transunion reporting incorrect personal information on my credit reports such as my name, address, Wrong balances and open date. This is considered as misleading and is hurting my credit. My next step will be taking the agencies to court.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (VA)

Our Savings account with Citibank was compromised on XX/XX/XXXX, so they froze all of our accounts ( Checking and Savings ) and began an investigation. We were told to open new accounts which we did immediately. We received new debit cards, etc. On XX/XX/XXXX, our accounts were closed with no warning. I received an email on XX/XX/XXXX stating " Based on a recent review of your Citibank XXXX XXXX ) Savings Plus Account account, we found that you have violated the terms of your account per the client manual. As a result, your Citibank ( XXXX ) XXXX XXXX Account account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. '' Additionally, in the email it stated " If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. '' We visited the Citibank branch in XXXX, VA on XX/XX/XXXX to see if they could help us and they did nothing. We were told we would receive all of the funds in our accounts in 30-60 days. They froze access to all of our money, meaning we can not withdraw or use it. How do they expect people to live in this situation? We have no access to our own cash. They closed our accounts but we can't have our money immediately? Make it make sense.
Consumer complaint received 2022-01-04
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. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This was over 60 days ago and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused men. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-11-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (AZ)

I am disputing a debt collection related to rent by XXXX XXXX I terminated my lease due to the landlord 's breach of the lease terms. Specifically, on XX/XX/XXXX XXXX XXXX failed to address a serious issue with a ceiling leak, despite my repeated requests for emergency maintenance. The initial leak was poorly repaired, and the following month, after multiple attempts to contact maintenance, the problem was left unresolved. Additionally, there was an ongoing cockroach infestation that XXXX 's pest control team could not remedy. These issues rendered the apartment unsafe and uninhabitable. As a result, I exercised my right to terminate the lease early, as outlined in the lease contract and Arizona law ( I provided both in evidence ). I vacated the premises by XX/XX/XXXX, and notified the management in writing of my intent to terminate the lease. Despite this, a collection agency has continued to charge me for additional rent, which I do not owe due to this incident. I have provided evidence of the my dispute to the collection agency, but they have failed to review it. They continue to harass and call me, and after telling me they would mail me a letter to my new address they still have not done so. The collection agency continues to harass me, and will not review the evidence I have provided to them proving I do not owe this debt.
Consumer complaint received 2021-10-16
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: AMERICAN EXPRESS COMPANY (TX)

I have American Express XXXX XXXX XXXX card which has some issues. My XXXX is not working for past 4 months. When I try to reset the password, it ask for this American express card details. Card details are never considered correct by XXXX. For last 4 months - I have completely wasted 10+ hours with XXXX  XXXX It seems American express sent me a replacement card and XXXX is stuck with the old American express card which American express can not send it to me. 

While this XXXX  XXXX  is stuck - XXXX  started charging me some XXXX XXXX subscription of monthly charge {$5.00}. Any time i reach out to apple- they simply stated that i need XXXX  XXXX  ... for which i need right American express card which American express is not helping by providing the old card. 

So i am into a endless circle with XXXX and American express. 
In the meanwhile apple started charging me XXXX XXXX  charges for which i opened the dispute with American express also. I asked American express to block XXXX for ever ... when they read the terms and conditions for that - it seems customers can not do that and those terms and conditions are very much in the favor of merchant. 

I asked American express to send me the terms and conditions but they stated they won't. Please refer phone call from me to American express on XXXX XX/XX/2021 at XXXX XXXX  with XXXX having ID XXXX Complains with FCC.gov and California attorney general 's office is already opened multiple times about this ongoing issue which is going on for more than 120 days.
Consumer complaint received 2021-11-24
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)

For the second time this year, after filing a dispute with Equifax about fraudulent inquiries, Equifax sent me a dispute resolution letter showing that the fraudulent inquiries had been removed. Still, they did not remove them from my actual credit report. 
Attached to this complaint, the dispute resolution letter received from Equifax Confirmation number or Case # XXXX dated XX/XX/XXXX, and Equifax Credit Report from XX/XX/XXXX, are attached to this complaint to evidence that Equifax is violating the Fair Credit Reporting Act of 1970 and Dispute Process required by Law. 
Please advise that I have been denied a mortgage, credit cards, loans due to those fraudulent inquiries in my credit report, and I have the creditors denial letters to evidence my allegations ; I provided required Identity Theft reports for those inquiries to Equifax several times. 
After the dispute process and investigation, Equifax informed me thru the attached letter that the fraudulent inquiries had been removed. However, those inquiries are still affecting my credit file as of today.
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Hello, I was in the COVID forbearance program with XXXX XXXXXXXX XXXX. I applied for a loan modification with XXXX XXXX XXXX to restart making payments on my mortgage. XXXX XXXXXXXX XXXX transferred my mortgage to Shellpoint Mortgage. 

I re-applied for a loan modification with Shellpoint mortgage and XXXX ( XXXX ) weeks later I have been told several different things by different Shellpoint employees. 

Yesterday I was told by a XXXX XXXX that my loan modification would NEVER work or be approved because my hone has equity. 

If that is the case then not XXXX homeowner in America would ever qualify for a loan modification because every single property has equity right now. 

Even with sufficient income I have been told that my loan modification will eventually be denied even though I have complied with all requested documentation. 

It makes no sense what Shellpoint Mortgage has been telling me. My single point of contact has answered my call only once and only sent automated emails telling me she will call within 24-48 hours and never calls. Her name is XXXX XXXX. 

Im asking for help with someone that can voice my issue and issue that other homeowners have to be facing with loan modifications. Too much equity in my home? Makes no sense at all. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-21
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc. (PA)

Pease be advised that I requested validation from the collector of this account. I received a response that clearly violates my Hipaa rights. The collector did not provide me a Hipaa release that releases my medical information to them. Therefore by providing such information they are in violation of my Hipaa rights. I also feel that their response to my request for validation amounts to nothing more than a stall tactic which is also illegal.
Consumer complaint received 2022-11-29
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. (IL)

I'm sending you this CFPB complaint right now to ask you to quickly delete the disputed bogus accounts and information from my credit file. Numerous illegal inquiries as well as some inaccurate account and information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC using File Numbers # XXXX and # XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Here is a list of accounts you ought to have deleted long ago : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. You have been saying that these accounts are mine, but you haven't sent me the proof you need to back up your assertions. The contested accounts should have been immediately deleted if these papers hadn't been provided.