davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank XXXX XXXX XXXX, FL XXXX Account # XXXX XXXX XXXX XXXX This account was paid in full in the amount of {$2600.00} following my phone conversation with Latresea on XXXX XXXX, 2016 approximately XXXX XXXX. The funds were released on XXXX XXXX, 2016, 13 days before due date. I have done my due diligence and will forward this information to Consumer Financial Public Bureau and the XXXX. 
Please adjust your records and close this account.
Consumer complaint received 2023-05-19
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. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. DEPT. OF HUMAN SERVICES : # XXXXXXXX 15, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-19
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX  Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

XXXX Payment - Same address as the XXXX listed on complaint This item is being disputed is due to communication breakdown between Wells Fargo and XXXX XXXX. I spoke with XXXX from Wells Fargo on XX/XX/XXXX at XXXX XXXX ( His ID number is XXXX XXXX. I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XXXX XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. I also spoke with XXXX ( ID # XXXX ) on XX/XX/XXXX around XXXX XXXX. and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XXXX. I have always gotten the email communication. I have plenty of Cash in my Checking account, so lack of funds was not an issue. ( I can supply bank statements if deemed necessary ). XXXX also provided me with a phone number which they stated was used to let me know about the payment, but that number was no longer in service ( Since XX/XX/XXXX ). I changed the number on the Online system but according to them that never took place. I would like to have them remove the 30 day notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My account was falsely accused of suspicious activity and has currently been frozen for 16 days and counting ( Start date XX/XX/23 ). Having called the bank on. XX/XX/23 after realizing the account was not able to be used for anything. I was told the account in question was under investigation and would have a resolution within XXXX days. While the funds in the account are secondary to everything, since this false accusation was started I have been unable to send/receive anything in relation to the account. Today ( XX/XX/23 ), I began the process of calling the bank for a resolution and was told the account was still in question/investigation and now it would take up to 90 days to receive results. As I stated I would like to just close the account entirely, I was told that can not happen until the investigation was through.
Consumer complaint received 2015-08-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (NC)

In an effort to establish an individual line of credit for my wife, we decided to obtain a credit card in her name. After exploring the many options available, and based on our needs, we elected the Barclay 's XXXX XXXX Dividend Master Card at an annual fee of {$89.00}. Specifically, we are retired and we travel often to visit our children in other states. This card offered a {$99.00} companion ticket each year and a one day pass to the XXXX XXXX club. This would greatly assist us in our expenses during retirement and was the right choice for us. Application was made and she was approved on XX/XX/XXXX. At no time, in the literature or in any correspondence were we informed that this card was going to be replaced by Barclays Bank of Delaware with XXXX Master Card with less benefits. Shortly after we had paid our fees and made our first charges on the card we were notified that the card was going to be converted. After reviewing the literature and benefits available on the new card, we found that we would no longer receive the {$99.00} companion ticket or the one day pass to the XXXX XXXX XXXX as well as other benefits offered with the XXXX XXXX card. It appears to me that this was a " bait and switch '' offer and one that needs to be addressed by Barclays Bank of Delaware, XXXX XXXX, and XXXX XXXX. When I contacted the company, I was informed that I would receive one companion ticket that would have to be used by XX/XX/XXXX and one club pass that would have to be used by my anniversary date, XX/XX/XXXX. After that everything was no longer available. We would cancel this card, but to take out a credit card and then cancel it in a short period of time affects one 's credit. Since one of the reasons my wife selected this card was to establish her own credit, this is not a viable option.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

on XX/XX/2023 I sent a letter thru certified mail to this debt collector requesting ORIGINAL CONTRACTS with my signature and Validation about this debt but they failed to provide these documents, all I received was a bill. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to section 623-b ) Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action For. 

Defamation Negligent Enablement of Identity Fraud Willful injury Financial injury
Consumer complaint received 2023-05-18
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. (NC)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (FL)

This is an alleged debt that does not belong to me. 

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I tried to contact cashapp support, to increase my withdrawal limits, so I could withdraw the money to purchase a car. Apparently I called the wrong number, and ended up getting all money sent to a debit card that isn't mine, that's tied to a bank account that isn't mine. And then my cashapp account was closed... 
I just sold my car, to buy another one ... I need this money back and I don't know of cashapp will do the right thing.
Consumer complaint received 2015-08-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (DE)

I had a Home Equity Loan securing a property. The loan was paid off on XXXX XXXX, 2015 according to Ocwen 's records. 

I subsequently checked my credit report and found that the credit bureaus still reflected a balance owed of {$170000.00} I filed a credit inquiry with each of the credit bureaus. 

I received a response from XXXX ( a copy of which is attached hereto ) indicating that XX/XX/XXXX the balance is {$170000.00}. 

I called Ocwen on XXXX XXXX, 2015 and they indicated that the loan would not be closed until I signed a form that was sent by Ocwen to my mailing address. I use an office address and the form was never received at that address. They will be emailing a new form within 3 days. 

Ocwen has indicated that, even though they sent incorrect information to XXXX, they continue to investigate my complaint. They will not, however, send me anything in writing to that effect. 

I
Consumer complaint received 2024-09-23
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MD)

As of XX/XX/year>,, I received a pop-up on my credit card statement informing me that my Macys store account has been cancelled. I was told that a letter was sent to me on XX/XX/year>, formally informing me. I called the Macys XXXX XXXX, on XX/XX/year>, speaking to XXXX. XXXX put me on an extended hold while he spoke to a supervisor. XXXX verified by home address and email address to send me the document ; I have yet to receive this document as of XX/XX/year>. I received no terms or conditions ; no information on how this action impacts my credit ( and credit rating ) ; does this mean that my credit will continue to be charged retroactively at a higher interest rate ; what information was provided to the credit reporting agencies. When I ask these hard questions of a different call center employee, XXXX, on XX/XX/year>, she continued to give me no information as if she didnt understand the questions. This is typical of Citibank! I received an email from Citibank on XX/XX/year> @ XXXX XXXX. The email instructed me to call the number listed on the email. It was XXXX. This is smelling of countinuing fraudulent behavior by Citibank. I am disturbed, because this is the same behavior I wrote to you about in XXXX, while you were still a division of XXXX Treasury XXXX Their fraudulent behavior continues XXXX  years later by withholding consumer required documentation and ruining the credit of innocent Consumers.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (OH)

Macy 's credit card continues to charge {$2.00} " interest charge '' even though I always pay my balance in full. This only started happening recently. 
I logged into my account today to find it past due, with a balance, despite the fact that I have not used the card in months.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

XX/XX/2023 : Applied to have credit limit increased. 
XX/XX/2023 : received a denial letter due to pending legal action however there are no legal actions pending, no previous legal actions, none reported by any of the credit bureaus.
Consumer complaint received 2023-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center (TX)

I received a letter by mail, from XXXX death, standby mediation, recovery center ; explaining that I owe debt credit card from XXXX XXXX XXXX, aka service, credit union. I called them XXXX provided from the letter, they refused to give me the information on the validation notice, either I told him that I never had that account he must be a mistake. They wont consider it any of my questions
Consumer complaint received 2023-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Albert Corporation (FL)

The company has been giving me a hard time. They put micro deposits in my account and when I entered them to verify my bank I kept getting a error. Someone helped me out then I had to enter a card just in case I wanted a payday loan and they keep claiming it needs to be verified. They have taken {$10.00} out of my account. They still saying they need to verify my card information. I feel like its a scam or fraud.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

With all due respect since last year in XXXX, you are denied me and then in XXXX and here it is 60 days later every 60 days you all are playing games you all close XXXX XXXX, closed my account and open it back and compensated me with a measly {$500.00} to years ago listen either youve got a compensate me. Are you not please find somebody else to play with! Wellsfargo Closed my Checking in XXXX  and opened back up Sent me {$500.00} measly XXXX ago You say A Year ago was going to compensate me and havent I have problems With Ovedrafting Fees {$500.00} or More lots a Times Listen if you are not going to compensate me and since a year ago, youve been saying that and now 60 days later youre telling me I got ta re-redo it no let me know either you got ta compensate me. Are you not OK? Let me know.
Consumer complaint received 2016-11-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Alliant Capital Management LLC (LA)

i was notified the first time last week XXXX/XXXX/XXXX about a old credit card debit from XXXX I asked if he ( XXXX ) I believe he would send me an email or letter in mail regarding this and he said yes he would send email. I never received and email. today XXXX/XXXX/XXXX I get a messaged while at work to call him back so I do and he has an attitude stating I live where he can garnish my wages if I do not send him money and that he would send me another email at his expense and I told him it does not cost anything to send me an email and he starts yelling at me. I do not even have this debt on my credit report and I do not like him calling and threating me while I am working. very rude and unprofessional if this is a real debit why have n't I received anything in the mail since he stated my address?
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OK)

On XX/XX/XXXX I called my mortgage company to ask why my payment had not been applied. I was put online with one of their customer service reps. I asked if he could tell me why the payment had not been applied to the account. XXXX was due on XX/XX/XXXX, but there is a grace period of 16 days if you require it. I sent the payment priority mail through the USPS so that it could make the XXXX XXXX cut off time for the grace period. The payment was delivered to the po box of the mortgage company on XX/XX/XXXX at XXXX. This is verified by text by the USPS when letter was delivered. I gave the rep of loan company the information of the certified letter and re-laid to him the initial mail date. 
The rep of the mortgage servicer said. '' To give them a few day longer to get the paymnet applied. '' I also asked the servicer what about the late payment? I was advised that the payment would be removed and would be reflected in the next statement. 
Today is XX/XX/XXXX. Tomorrow will be the XXXX. It has been longer than had been described by the mortgage services rep.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally submit a complaint against First Progress Card Company regarding their treatment of me as a customer. I believe that I have been subjected to unfair treatment due to the XXXX XXXX XXXX XXXX which has caused significant distress and impact on my financial standing. 

I have been a loyal customer of First Progress for over a year and have never missed a payment. Despite this, I recently requested a name change on my card due to discrepancies on my credit report, which inaccurately listed me as XXXX XXXX with addresses in XXXX area where I have never lived. I was born and raised in Virginia. 

Currently, First Progress has imposed a restriction on my credit card, which is negatively affecting my creditworthiness. Additionally, my account is being reported as closed to the credit bureaus, despite my ongoing efforts to rectify the situation. Each time I contact the company, over the phone my information is verified, yet I continue to receive vague responses and have been told that the documents I provided are not valid. 

I mailed copies of my Driver 's License and Social Security card to First Progress last Tuesday, but the restriction on my account remains unresolved. I am left feeling that their actions may be racially motivated, as I have experienced discrimination in the past and refuse to accept it as an adult. 

I kindly ask for your assistance in addressing this matter. I will upload my Driver 's License and utility bill for your reference. 

Thank you for your attention to this serious issue. I look forward to your prompt response and assistance. 

Sincerely,
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I checked my credit report and saw my personal information was messed up. I have misspelled names, my address, my phone number, and even my work history is not correct. I attach a letter with the correct address.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Unauthorized inquiries on credit report. Have contacted creditors and creditor bureau numerous times without recourse. Many inquiries are duplicates. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX.