davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

To Whom it may concern l have been disputing this debt numerous times, ( XX/XX/XXXX ) with XXXX, also with the debt collection agency ( CACH LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX ) to no avail, mail was returned ( see attached ) when l called, l was told numerous times that name on the account and my name does not match, therefore they would not speak to me. ( Whilst still reporting the same account to my credit profile ) This debt collection agency playing tricks and re-ageing account as if l just opened the account ; ( see attached ) it was reported to XXXX in XX/XX/XXXX that l owed {$7700.00}, whereas ( Cach LLC ) would not talk to me about same debt, l try to sue in XXXX XXXX XXXX small claims court l was told, l need to file report with CFPB, then l can sue for misrepresentation and FRAUD. 
l want ( CACH LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX ) to seize reporting unconfirmed debt to my credit profile and seize all collections, till they can proves said account belongs to me.
Consumer complaint received 2021-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (IL)

To whom concern On XX/XX/2021 I reached out via mail to National Credit Adjuster to verify a debt that they are reporting on my credit and here we are day 30 with no debt validation letter. This company failed to respond within the 30 day limit. Also this company never sent out a debt validation letter. They just started reporting without warning me.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hi : I have set my auto pay of my BOA credit card as statement balance. My Last Month 's Balance for my BOA credit card is around {$9600.00}, it is not a small number and I do not want to keep large amount of money in my chase checking account for a long time, so I choose to pay the full statement balance manually in advance from my chase checking account. But BOA auto pay submit a payment request for the same amount again. It is very insane to charge me {$9600.00} when my current balance is XXXX.

BOA auto pay is very inconvenient. It does not have option of remaining balance while other banks ' credit card has such option. If I pay manually, the auto pay will pay again. I called BOA customer service and they said they can not cancel the payment from their side when it is in pending status. I called chase and they said they can not stop the transaction without paying {$30.00} stop transaction fee. I can not find an option to stop the transaction without pay some fee. Although BOA promised me to refund me when the transaction get posted, payment statement balance twice affects my cashflow. It is like I lend money to BOA and they do not pay interests to me. I believe this is not only a problem for myself, since BOA auto pay do not provide remaining balance option, many other people have paid statement balance twice if they choose to pay manually before the date of auto pay. BOA borrows money from their user without pay any interest, which is very inreasonable. 
I will call BOA later to refund me the money after payment get posted I have two request to prevent the issue in long term : 1. BOA make it possible to cancel pending payments for their customer service team 2. BOA add remaining balance to their Auto Pay in Mobile App Thank you very much Best regards, XXXX
Consumer complaint received 2021-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/XXXX, I was notified about an updated credit score on XX/XX/XXXX app. I noticed that I lost 36 points from XXXX. I called them and they were unable to give me an explanation as to why I lost points. There were no collections added, no new debt, no new accounts opened, no accounts were closed, nor did I apply for anything. On XX/XX/2021, I received 36 points back. On XX/XX/XXXX, I received 1 point. On XX/XX/XXXX, I received 3 points, where my credit score was XXXX. On XX/XX/XXXX, once again, I lost 36 points. I am not understanding why every time I reach 700, I lose 36 points. When I call, they tell me the " system '' calculates the points daily. Our livelihoods should not be up to a computer, as if it doesn't make errors. You can't have anything in life without credit, and I have worked extremely hard to fix my credit. It's bad enough that I have disputed the same 3 accounts over and over for inaccurate information amongst the credit reporting agencies, and yet they refuse to delete it. The reason I haven't disputed them again is that I am under contract to buy a home and heard that I can't have any accounts in dispute.
Consumer complaint received 2021-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

Hello, this company placed a debt collection on my credit file without notifying me first. As a result my credit has been impacted negatively. They finally sent me written communication stating that if I paid a settlement amount that this debt would be removed from my credit report by XX/XX/2021. I have paid the settlement amount in full and I have verification of that payment along with verification of the letter that they sent me. This collection still remains on my credit and it is after XX/XX/XXXX.
Consumer complaint received 2022-03-03
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : 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 2021-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

my name is XXXX XXXX today date is XX/XX/XXXX My FTC Report Number Is XXXX My Police Report Number Is XXXX I'm Writing This Complaint Myself Because My personal Information recently found out i was involved identity theft and data breach my personal information was used and sold on the black market also my information was also in the XXXX data breach back in XXXX according to XXXX dark web surveillance report it all started back on or around XX/XX/XXXX when my debit card was stolen after a XXXX XXXX sale at XXXX  in XXXX XXXX Fl my personal information including email and mailing addresses social security my driver 's license and even my phone number was hacked and taken over for 2 weeks 3 weeks and XXXX pin and password was change and taken over by hackers i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i don t have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all of my credit files Ive noticed that i have accounts listed or being reported on my credit file that which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also these accounts are not mine listed PROFESSIONAL DEBT MEDIAT {$8600.00} XXXX XXXX XXXX Also finding out that my personal infomatiion was used to open up loans, Apartments used for XXXX 's Cars etc Apartments Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I have no clue why my account was limited and it says Im not able to use payPal all of a sudden after literally receiving {$500.00} from a friend. This is so disgusting! While A global pandemic is happening, my money is literally being held from me and Im abruptly banned from EVER using PayPal without any sort of reason. I need my money the least, transferred to my bank. They cancelled the transfer then emailed me saying You can no longer do business with us I looked it up and they have a history doing this to people. Its so gross and absurd. They have a history of doing this same exact thing to people! I need my access back, and I need that money to be transferred. I have bills to pay and its Monday. This is ridiculous.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

A large payment was made to compensate for the next XXXX months payments because I was unable to pay due to being XXXX. XXXX XXXX XXXX military. Navy federaXXXX did not accept this and reported me late.
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX, I received an email correspondence from American Express that my platinum card account & blue XXXX account were canceled immediately without any reasoning. The emails stated that I would have to tell my additional card members that the account was closed, I should destroy the cards, and that if I have any recurring changes that I contact the responsible company. The emails also stated I would receive this same information by letter. These letters did not arrive until weeks later but were dated for XX/XX/XXXX. 

The cancellation notification letter states that American Express decided to close these accounts for the following reasons : American Express ' assessment of my monthly payments on credit cards in relation to my average delinquent balance with American Express indicated by XXXX ( in which I was told to contact XXXX ), a recent payment was returned by American Express ( this was due to American Express waiting days later to deduct funds from my bank account rather than immediately when I placed my account payment ), the revolving balance on my American Express account is too high ( there was not a balance maximum for my Platinum card, and I was well under the maximum balance for my Blue XXXX  card ), and that the amount currently oustanding on my account is too high relative to the income provided on my application ( the balance was approximately {$9500.00}, however, my salary is well over {$120000.00} yearly ). In addition, these letters states that my FICO score was obtained from XXXX, and was used in their credit decision. My credit score on the letter was shown to be XXXX which is excellent. 

I called American Express on XX/XX/XXXX in order to resolve this issue and reinstate my accounts. The phone representative took my income information, and stated that she would then seek to reopen the account, and I would be notified by letter. On XX/XX/XXXX, I received a letter from American Express stating that they were unable to reinstate my account because I had an unpaid balance ( the same balance that I attempted to pay three times prior but according to American Express they had to return the funds back to my bank account for no reasons provided. 

I have paid my balance to American Express, and this was notified on XX/XX/XXXX, and shown on my XXXX Credit Card Statement, however, I was still then charged {$58.00} for balance interest for an account that is closed, and has no balance. I was denied the right to pay my balance to American Express and then received an interest charge. 


I have attached both rejection letters, both XX/XX/2021 monthly statements, my rejection reasoning letters, and XX/XX/XXXX Credit Report & XX/XX/XXXX credit report from XXXX.
Consumer complaint received 2021-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services (CA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that these SEQ FIN SVCS ( Original Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX and SEQ FIN SVCS ( Original Creditor : XXXX XXXX XXXX ) - Account Number : XXXX were reporting to be negative on XXXX and XXXX Credit Bureaus. I tried contacting the XXXX and XXXX Credit Bureaus requesting to provide verification of their companys HIPAA authorization and proof that they have not abrogated my rights under the HIPAA Privacy Rule. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Pending my receipt of proper documentation and in accordance with federal statutes, cease and desist reporting to the credit bureaus. Delete these collection accounts pronto.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

I already filed a complaint that TD bank closed my account and never gave me the funds that were in the account which was a large amount. Approximately a litte less than {$28000.00}. TD banks respond was that they will return the funds to Sba because it came from a ppp loan.its been over a month since td bank answered my complaint and over 5 monhs total that they been holding the funds. I reached out to sba to find out if they received the funds from TD Bank and they said No.i also reached Out to td bank specifically to the Person that responded to my complaint but i Got no response at all. SO MY COMPLAINT IS THAT TD BANK Is HOLDIND {$28000.00} OF MY FUNDS FROM MY BANK ACCOUNT THAT THEY CLOSED SINCE XX/XX/2021. I AM ATTACHING THEIR RESPONSE TO MY PREVIOUS COMPLAINT RELATED TO THIS COMPLAINT.
Consumer complaint received 2021-12-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

On XX/XX/2021 I, XXXX XXXX, paid Portfolio Recovery in the amount of {$300.00} to pay off the amount owed for a collection. The account shows settled in full. The credit reports still shows as a charge off.
Consumer complaint received 2021-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The account below : XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX This account has was disputed on XX/XX/2021. Today is XX/XX/2021. The investigation has took longer than 30 days. Acccording to FCRA investigation taking longer than 30 days means CRA has has trouble verifying the information. This acocunt needs to be removed ASAP. 

You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) You must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if
Consumer complaint received 2021-10-03
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. (MS)

On XX/XX/XXXX, XXXX, I was notified about an updated credit score on myFico app. I noticed that I lost XXXX points from Equifax. I called them and they were unable to give me an explanation as to why I lost points. There were no collections added, no new debt, no new accounts opened, no accounts were closed, nor did I apply for anything. On XX/XX/2021, I received XXXX points back. On XX/XX/XXXX, I received XXXX point. On XX/XX/XXXX, I received XXXX points, where my credit score was XXXX. On XX/XX/XXXX, once again, I lost XXXX points. I am not understanding why every time I reach XXXX, I lose XXXX points. When I call, they tell me the " system '' calculates the points daily. Our livelihoods should not be up to a computer, as if it doesn't make errors. You can't have anything in life without credit, and I have worked extremely hard to fix my credit. It's bad enough that I have disputed the same 3 accounts over and over for inaccurate information amongst the credit reporting agencies, and yet they refuse to delete it. The reason I haven't disputed them again is that I am under contract to buy a home and heard that I can't have any accounts in dispute.
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Hi Since about XXXX or XXXX I have been trying to dispute this Alleged debt. originally from XXXX XXXX XXXX. The account was originally opened XXXX The amount of {$360.00} is the balance ( I have no idea how much the total credit card limit amount was ) Because I NEVER OPENED AN ACCT. in XX/XX/XXXX with XXXX XXXX XXXX!! I have send many letters to XXXX XXXX & nothing, & to the credit bureaus. & It would be off my credit because of the 7yr statue of limitation would be this year but XXXX XXXX sold the debt. to a collection agency in XX/XX/XXXX to PORTFOLIO RECOVERY ASS. XXXX XXXX XXXX XXXX. XXXX VA XXXX .... ( they do this purposely so it won't be removed in the 7 yrs! ) IT SHOULD BE ILLEGAL!! 
I Have sent for years, several dispute letters to portfolio recovery & they can not proof this debt belongs to me, no original contract, no wet signature nothing but a summary of a bill ... any one could open this acct. online with my personal info & they are violating my rights because they have ignored all my letters to dispute & validate this debt. that does NOT belong to me, it is being reported on XXXX XXXX XXXX XXXX & it is affecting my credit scores. I am tired of them reporting fraud on my credit reports! I deserve it to be removed immediately! If this debt was mine I would have been paid it by now!! It is only {$360.00}!! It is against the law for a 3rd party company to report on my credit reports with out proper validation & they can't proof it, because they know it doesn't belong to me in the 1st place, they are just greedy debt collectors & don't care about doing the right thing!! I have several credit cards & all are reported paid & on time & in good standing, with way higher limits! THIS IS RIDICULOUS!! This is hurting my chances of getting a better interest rate for a new home I plan to buy soon. I appreciate your help. THANK YOU
Consumer complaint received 2022-03-12
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. (OH)

I recently pulled my credit report and I noticed that I had several unknown accounts for books from old schools that shouldn't be there they keep reappearing an account I paid them $ XXXX this year i have a receipt there should be no balance. I have several companies that are unknown and I never done business with this information is costing me high interest and fees. I'm doing my best to buy a house but the inaccurate information is stopping me when it keep reappearing or accounts that I don't know what they are nor have I done business with them. These have to be removed all the multiple name spelling and wrong address information it literally could be anyones information. please remove these items.. 
hard inquires that are over 30days old that im not doing business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, 2021 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX addresses with inaccurate info they may belong to a relative XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX all companies that need to be removed will be highlighted in the credit report i have listed in the documents section because there are so many of them that are unknown to me. my correct name spelling and information will be listed as well and i have opt in the credit system as well to stop all the random accounts XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: STERLING JEWELERS, INC. (IL)

On XX/XX/XXXX I was shopping with my fianc at Kays Jewelers. The Manager was assisting us and she was very pushy about a credit card. I told her multiple times that I did not want a credit card. After we selected a ring to purchase, she said that they would do 0 % financing through the store credit card. I again said no. Then she said Well lets just see what youre pre-approved for but you dont have to actually apply. I agreed. After being pre-approved she started showing me merchandise well outside of my budget. It made me uncomfortable so I left without making a purchase. 

Then on XX/XX/XXXX I received the Kays card that I never knew I applied for. Im currently going through the refinancing process on my home. I NEVER agreed to apply for this card and I am highly upset that I was outright lied to.