davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

There were multiple credit cards opened in my name fraudulently. Debt was accrued and this was not authorized by me and is identity theft. I have tried to remedy this by calling and claiming fraud but I have received no correspondence. I simply want these accounts deleted and removed from my credit report and out of the database with the bank.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CT)

Our XXXX business account was accessed by someone unknown to us on XX/XX/23. At this point our permissions were removed from editing the credit card information or removing it from the account. The unknown, unauthorized user then used our stored credit card information to run advertisements directed to their businesses and websites. 
We reached out to XXXX  as soon as we discovered the issue - that same day that the unknown, unauthorized user gained access. 
When we reached out we were told that the charges would be flagged as fraud but that was the only way to dispute it through our credit card. 
We have previously done business with the merchant, XXXX, but in these cases the services were purchased by the unknown, unauthorized users, not us. We did previous business with the merchant but these charges that were accrued by the unknown users were in no way authorized by us. 
Our disputes with Barclay were not accepted because we previously did business with XXXX. 
We have had extensive conversations with the XXXX support team where they have acknowledged that our accounts were in fact accessed by someone unknown and they were using our credit card that was tied to the account. It took XXXX almost a month to remove the unknown, unauthorized users from the account and return our access.They confirmed that someone else was in our account using our credit card information to purchase services. 
We have been extremely proactive in trying to prevent further charges from day 1. We contacted the vendor first, then your team. We literally were stripped of any access to stop the charges from being made. 
We provided extensive documentation and acknowledgement from XXXX to Barclays showing that these were in fact unauthorized charges by unknown, unauthroized users. 
The dates these charges were incurred on our Barclays account were XXXX in the total amount of {$18000.00}
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I opened a checking account with Citizens Bank one month ago. It was a huge mistake. About a week later I wanted to begin online banking on the Citizens website. I was informed that I could not engage in online banking and to call this number ( XXXX ). After waiting on hold for 30 minutes and being directed to multiple people I was still unable to initiate online bill pay or access my funds. I called the customer service number again and no one was able to resolve the problem. The next week I decided to open an account at another bank b/c I was unable to access my money at Citizens and then transfer my money to the new bank and close my Citizens account . I again had to call the Citizens customer service number to initiate a transfer b/c the website would not let me transfer my money to my new account. It took multiple people telling me that they could not resolve this issue until finally someone was able to approve and initiate the transfer. Unfortunately a day later I received an email telling me that the transfer was CANCELLED and that I would have to call the customer service line again. I am not able to get help from anyone at Citizens through this customer service number and I am unable to access my money.
Consumer complaint received 2017-12-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Financial locked me out of my account and due to this I could not make payments and after trying to contact them numerous times, and not receiving a single answer, they moved my account into delinquency. 

I have now tried to contact them on multiple occasions and they seem to always be closed or unavailable to answer when I 'm being transferred.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This debt belongs to my exhusband. When I left the home on XX/X/2011 I contacted both XXXX XXXX XXXX and XXXX XXXX where I left several messages with XXXX and XXXX who both assured me that I would be taken off of the long and any debt that he incurred after that date will be HIS responsibility, not mine. He decided not to make any more payments after I left the residence and now I have it showing on my credit report because he is refusing to pay the {$5000.00} that he still owes them. We went to court I think two years ago and he never showed up to the court date. At that time I was told again by community investment group that they would be going after him for the debt amount. Now I am trying to buy a modular home and this is again showing up from XXXX XXXX group that the account is written off on my credit report showing that I still owe {$5000.00} and this is making it impossible to get my new home loan. I just want this removed from my credit report.
Consumer complaint received 2017-12-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

To whom this may concern, *PLEASE ESCALATE THIS ISSUE TO CFPB OFFICERS AND LAW ENFORCEMENT OFFICIALS WHO DEAL WITH AML/BSA/MONEY LAUNDERING ISSUES* The attached documents are a series of money transfer documents that shows Western Union is and has been : 1. ) Failing its duty to reject suspicious transfers. 
2. ) Structuring transactions for customers to avoid red flags. 
3. ) Allowing multiple senders to send a series of transaction ( on the same day and often within minutes of eachother ) to avoid red flags. 
4. ) Allowing transactions to be received via a fake identification document ( with clearly fake names ) or accepting kick-backs for falsely verifying a money pickup without actually seeing a true identification document. 
5. ) Etc.
Consumer complaint received 2017-12-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Meadowbrook Financial Mortgage Bankers Corp. (NY)

My mortgage broker, XXXX XXXX at Meadowbrook, was negligent last XXXX, 2016. He was unaware of a critical deadline ( my son 's XXXX birthday ) which caused my refinance to fail. He gave me wrong information about the deadline that I passed on to my co-op that was processing approval forms ( XXXX ) for me. Then when I succeeded getting the forms and XXXX had a short remaining window to get the job done, he disappeared, sending out a bogus autoreply that he was at a funeral for 2 days- except with dates for the previous month. 

So I also suspect that he may have willfully wanted me to require extensions and was purposely slow ( based on not knowing my critical deadline, but just believing I could get standard extensions ) because it was somehow beneficial to him - that he 'd make more money from the deal as a result. And if this was the case, I suspect that he may be doing this to other clients too.
Consumer complaint received 2017-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Problem is keeping up with what 's going on in my account. I go into my account using mobile banking and some transactions are a certain way then, I go back in about 3 hours to a day later even and the transactions are in totaly different order. My payroll deposit went in on a Friday morning around XXXX XXXX I went in my account on Saturday around XXXX XXXX  and it was showing that my check had n't even got my account and all the transactions I had made had all been placed in a negative overdrawn status. I 'm completely breaking down at work when I saw this. I call my manager asking him why the company took back my payroll check. He looked in his account with XXXX XXXX and his was fully processed and deposited. Keeping in mind that just Friday at XXXX XXXX my check had been fully deposited not in processing status. My whole bank sheet was in a sea of t red colored disarray!!!! I wanted to order lunch from my favorite Chinese restaurant and could not. I screen shot a picture of my account on my phone and you could clearly see my payroll check was gone and all, ALL my transactions had been put in negative status!! This is n't the first time this has happened. I ca n't even keep a good record because Everytime I go in to check my account there are different transactions in places where they were not an hour or day before when I checked!!!
Consumer complaint received 2017-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (VA)

I made a mobile deposit on XXXX/XXXX/2017. When I checked the status of my account on XXXX/XXXX/2017 I realized a deposit hold had been placed on my check that would not expire until XXXX/XXXX/2017. This is a child support payment that I have received every month for the last XXXX years. I contacted Suntrust bank and asked if it was possible to have the hold removed since the funds have already cleared my ex-husbands account. They informed me that the hold was there because it was a new account. I explained that I was aware that it is a new account but the I work for Suntrust Mortgage and have my payroll checks deposited into the account XXXX a month, I also have not had any overdrafts on the account. I further explained that holding this deposit would now cause an overdraft for an outstanding check and that I will then be charged fees. I explained that I did not understand why they could not contact the bank to verify the funds have cleared as I did and release the hold. The quoted me the hold policy. I explained again that I have been in banking for XXXX years and understand the necessity of holds. They are to ensure that the funds are available before they release them to you. In this particular situation the funds had already been deducted for the check deposit I made and they new it was good. At this point holding my funds until the XXXX served no purpose. The funds are not in his account nor are they in mine. The bank has the money, they know my deposit is good and there is no good reason why the hold should not be released at this time. They are delaying my funds for no valid reason. I did not even receive a proper notice regarding the deposit hold until just now ... XXXX pm on XXXX/XXXX/2017 probably because of the fuss I raised when I called. Now this email tells me to ensure funds are deposited to cover any outstanding items that may cause an overdraft because of this deposit hold. I do n't have additional funds I can deposit and this {$600.00} was to last me and my XXXX children until the XXXX when I get paid. I could understand if the check had not cleared but right now there is NO just reason why they should continue to hold my funds for another week.
Consumer complaint received 2017-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (HI)

This {$500.00} fee From XXXX XXXX just came out of absolutely nowhere i have no clue what it is for or where it came from. For one i can not pay it because it is way to big of an amount being that I am XXXX years old having to deal with these crippling creditors because of a broken medical system, also it is destroying my credit. It says it was reported on XXXX XXXX, XXXX with the original creditor or XXXX XXXX XXXX
Consumer complaint received 2019-06-16
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. (FL)

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Equifax They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my most recent Equifax report, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again Im challenging inaccurate Items previously disputed ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ). Dispute reason : remove this account because the Status updated date didn't change/updated, this irrefutable proof that no investigation was done as per FCRA remove for violation However, in the CRA dispute results report they claim the items was verified as accurate and updated but how could this be? when the date of status date didn't change/update after the investigation was done, this proves that no investigation was ever done. Status updated date didn't change/updated even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the Status updated date didn't change/updated to be a current updated date as per FCRA. 
It is to be noted that prior to dispute with the CRA, inaccurate items XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ),  XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX these late payments are completely wrong. I need for you to remove this account because theres no way for you to legally verify XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation After what is known as an investigation that was conducted and completed by the CRA, Equifax report still shows the Status updated date didn't change/updated.
Consumer complaint received 2017-12-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mobiloans, LLC (TX)

I contacted Mobiloans after finding a loan on my credit report. I contacted the company and asked for all of the information regarding the debt including the paperwork and I never received any information. The company continues to call me and my family members NUMEROUS times and will not remove the information from my credit report. I 've sent numerous letters via priority mail with receipt requested asking for debt validation and the company does not respond, however, they continue to report negatively.
Consumer complaint received 2017-12-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC (TX)

I contacted RISE Credit after finding a loan on my credit report. I contacted the company and asked for all of the information regarding the debt including the paperwork and I never received any information. The company continues to call me and my family members NUMEROUS times and will not remove the information from my credit report. I 've sent numerous letters via priority mail with receipt requested asking for debt validation and the company does not respond, however, they continue to report negatively.
Consumer complaint received 2017-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NY)

In XXXX of 2017, I chose not to move forward with XXXX as my cellphone carrier. I had a certain amount of days to return an XXXX XXXX XXXX ( 128 GB ) before I was no longer allowed to get out of the contract. The device was returned to XXXX corporate store in XXXX, NY. The XXXX customer service representative that assisted me that day, whom was responsible for properly documenting that the device was returned, failed to do so. From XX/XX/XXXX to XX/XX/XXXX, I contacted XXXX over 10 times to notify them that I no longer had that phone in my possession. In XX/XX/XXXX, to my surprise, I got a letter in the mail stating that XXXX sent me to collections using the agency XXXX XXXX XXXX XXXX XXXX XXXX. I contacted them on the day ofXX/XX/XXXX through email, sending them the receipt that proved that I returned the device, and they ignored it. From XX/XX/XXXX up until now, I have been fighting both XXXX and XXXX and there has been no corrections to my credit report.
Consumer complaint received 2017-12-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX I sent letters to XXXX, XXXX, and Transunion requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.
Consumer complaint received 2017-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (TX)

Please refer to # XXXX submitted on X/XX/2017 regarding the issues with XXXX or XXXX. At that time - this company simply tried to put the matter under the carpet/rug. 
I am facing the same issue since XXXX. 
I have updated my XXXX profile so that with my cell # - my ally bank account is associate and NOT XXXX XXXX. XXXX XXXX was the old one and ally bank is the new one. 
But still anytime any payments which are coming to my cell # - it goes to the old account ( XXXX XXXX NOT XXXX ). I reached out to XXXX and then to XXXX XXXX ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. 

Today I called at XXXX during XXXX XXXX to XXXX XXXX  and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. 
I end up paying fees from the bank due to this.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (FL)

I was processing a mortgage loan with XXXX XXXX, and after they were wanting to charge me preposterous and unexplained fees, I decided to take my business elsewhere. They have continued pulling credit reports without my consent. I moved my business and am now processing a mortgage with XXXX XXXX and have authorized them to pull my credit, there are multiple other inquiries that have not been requested nor authorized. I placed a credit freeze on all of the credit bureaus and would like to request an investigation as to who is pulling my credit report with hard inquiries without consent.
Consumer complaint received 2017-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (MI)

I checked the do not owe box, because it was best option, according to Michigan ( 6 years ), I should n't owe this debt. The only information I have on this debt is on this writ that I uploaded. XXXX XXXX XXXX. Not sure if this debt is an installment loan or credit card. Either way, I think it was a debt that was incurred somewhere between XX/XX/XXXX and XX/XX/XXXX. I live in Michigan where the statute of limitations is 6 years. It is now XX/XX/XXXX, about 15 years later, and this attorney, is still garnishing me. I noticed this writ is dated XX/XX/XXXX, 3 years ago. Hmmmm
Consumer complaint received 2017-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (TX)

Approximately XX/XX/XXXX, I hired a law firm to dispute a fraudulent debt that showed up on my credit report with Dynamic Recovery Solutions in the amount of {$4800.00}. We sent them a fraud packet and advised them the debt was fraudulent. I understand the original debt was from XXXX XXXX and Dynamic was responsible to forward my dispute to them as well. A response to the dispute was never received. I assumed it had been resolved. Later, I realized the debt was still showing up on my credit so I had another dispute sent it again in XX/XX/XXXX/XX/XX/XXXX. When we followed up with Dynamic Recovery they advised the debt had been sold to XXXX XXXX XXXX. This debt should not have been sold because it was identity theft. I contact the number for XXXX XXXX and it appears to be a bogus number. I have attempted to dispute this with the credit bureaus.
Consumer complaint received 2017-12-04
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: Experian Information Solutions Inc. (NY)

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.