davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023, at XXXXXXXX XXXX, I received an email about a balance transfer made to one of my Bank of America credit cards. That same day at XXXX XXXX, while the transaction still appeared to be in process, I called the bank and reported the transaction as fraudulent and asked for it to be stopped since I was not the one who executed it, and my call was timely, not an hour had passed since it was made. The operation still appeared to me in progress. The claim number at Bank of America is XXXX. The Bank of America Fraud Department has ruled twice that my claim is not valid because the transaction was executed using one of the devices connected to my home internet, which I do not accept as an answer. I use XXXX XXXX on my cell phone to access the bank 's mobile app, so it is impossible it was from my cellphone, and the amount of the operation is beyond my usual behavior as a bank customer, which is why I blame the bank for not protecting my interests against cyber fraud. The bank refused to recognize my case, listen to me, and give me the benefit of the doubt, so I went to the XXXX XXXX police in the state of Florida, where I reside, and filed a formal complaint under case number XXXX. The amount they scammed me is {$9700.00} plus a fee of {$290.00}. The original card was # XXXX. When I called to report fraud, this was canceled and I was replaced with the one that ends in # XXXX, which I also had to ask for to be replaced when I received an email informing me of a request to increase the limit that I did not want either execute.
Consumer complaint received 2023-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Access Receivables of NC Inc. (IL)

Received letter from debt collector. Did not know for what. They helped me through the steps, after I called reporting to them that this is something I did not owe. At the time I still did not know what it was for. The amount was {$2300.00} I then disputed it to them and mailed it back. 
And then I filed a police report.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (TN)

On or around XXXX/XXXX/XXXX my personal information and credit history was released to unauthorized unkown persons due to negligent security by Equifax. As a result, I am now at risk for fraud. I have contacted Equifax to determine if any immediate fraud has been committed and was unable to receive an electronic credit report due to unexplained circumstances. I have begun the process of requesting my credit report in writing from Equifax.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AL)

I have two long-standing credit cards that were taken over by XXXX XXXX  a couple of years ago ( JC Penney and WalMart ). I moved recently and as I worked my way through all my credit cards, I found that the only contact number for these two cards was my old home phone number, which has been cut off because I moved. As stated, I have had these two cards for years. XXXX XXXX insists on sending a text message to my phone before it will allow me to change my profile, but they won't accept my cell phone or my new home phone, neither of which I had years ago when these accounts were opened. I talked to customer service about the Walmart card and they told me to make copies of my driver 's license and a utility bill for the new house and send it by mail, which I did ( copies attached ). I have also given pertinent security information over the phone ( last 4 of SSN and mother 's maiden name ). I called to follow-up about a week later and they apparently had no idea what i was talking about. Then about the same time, I got the attached letter from them asking for this same information! This is ridiculous! They say they are trying to prevent fraud, but they are inviting fraud by not allowing me to change the address and email! Today I got to my JC Penney card and the exact same thing happened and they are going to try to make me jump through hoops to fix that one too. My JC Penney card has a XXXX  balance, and I am going to pay off my WalMart card this week. I doubt a fraudster would pay off my credit card for me. And incidentally, when I do, they will start lowering my credit limit because I am not using the cards, which should be against the law. Please see if you can persuade these people to allow me to change my profile for these credit cards. I would close them both but both have a high credit limit and it will hurt my credit to close them. This whole thing is ridiculous! I have attached all the pertinent correspondence. Thank you.
Consumer complaint received 2023-10-31
Product: Credit 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: Block, Inc. (CA)

I signed up for Square merchant processing and linked my bank info and completed my setup. After I charged my customer for service, the merchant processing Square, closed my account and stated they they are going to keep my funds {$300.00} of my earned money for 90 days without any reason. I tried to call them to get my money and they refuse to give it back. Please help this company is ripping people off and holding their earnings after they signed up with them and attempted to process payments. Square, without good reason closed my account and held my funds telling me that they will release it in 90 days. I would not use Square XXXX XXXX again. They are scam!
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XXXX/XXXX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
Consumer complaint received 2018-06-10
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. (NY)

Hi I am contacting you in reguards to my XXXX Equifax and XXXX credit reports because they are showing fraudulent accounts and credit inquiries that do not belong to me and I would like them removed as I have been contacting these companies none stop trying to get this resolved but have had no success in getting these items removed so I am seeking your help. Let me first start by saying my name is XXXX XXXX XXXX XX/XX/XXXX and I reside at XXXX XXXX XXXX XXXX ny XXXX and I am a victim of identity theft and my police report is inclosed in this letter. I would like everything below to be deleted from my credit report because it is fraud and someone stole my identity I have already notified the IRS and local authorities. Here is the list of items that are fraudulent Accounts Here 's every account on your XXXX report. Click on the account name for more details. 

See an error? 

You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 
CREDIT CARDS XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$370.00} Closed OTHER LOANS XXXX/XXXX Reported : XX/XX/XXXX + {$220.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX + Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX  ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX  ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XX/XX/XXXX +  {$2700.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$730.00} Needs Attention Please remove all these items from my report because they are fraudulent and do not belong to me.
Consumer complaint received 2018-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (TX)

I have been a victim of identity theft for many years and two collections were placed under my credit report from Capio Partners LLC, I have try many times to tell this company and their subscriber that, that account does not belong to me and I'm not getting no response from them. I have contacted all credit bureaus and dispute these collections. I truly need help with this company informing them that these account are from Identity theft.
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: El Paisano Motors Inc. (TX)

On XX/XX/2018 my son-n-law and I purchased a vehicle at XXXX XXXX XXXX XXXX, El Paisano. We specifically told then he did not have a drivers license. They still let him test drive it and finance it. I asked if he was gon na be able to get insurance and they said yes and they even suggested XXXX. We called XXXX and everywhere we could and we couldn't. I did obtain insurance on the vehicle just not him on the policy. Well they demanded for him to be on it. So we weren't able to so they took vehicle away and didn't give us our down payment back.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2023 we deposited a check from our insurance company for a recent claim we made on our roof for the amount of {$10000.00}. The check was issued to us and our mortgage company, We deposited the check not knowing that the mortgage company needed to endorse the check. The bank took the check, did not tell us that the check was not properly endorsed, and a hold was placed on the check for 24 hours. The following day, my husband received an email that the hold on the check was released and the funds were deposited in our account. Upon review, the funds were in the account but a hold was on the entire account for the amount of the check ( XXXX ). My husband then went to the bank and was informed that the hold was there because the check wasn't endorsed correctly. We were told to send a Check Endorsement Release form to the mortgage company. after faxing that over to them, we have not had any progress. It is almost 2 months into the matter and the bank and mortgage company are going back and forth and we have no answers. This could have all been avoided if the employees of the bank at the branch, and the ones that review the checks were trained properly.
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

I purchased Ethereum and Litecoin ( cryptocurrency ) and sold them on XX/XX/XXXX on Coinbase with the proceeds ( cash ) to be wired to my verified bank account. The system stated the wire would be sent by XX/XX/XXXX. The money never arrived. Coinbase posted a generic message stating backlog of transfers due to high volume, will take 7-10 business days. They posted that the wired was completed on XX/XX/XXXX, yet as of XX/XX/XXXX I still have not received any money. 

I tried contacting them by phone but ca n't get a real person. I used their support page on the website but just get automated response. I submitted a support ticket but no response. 

The wire reference numbers are XXXX and XXXX
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

I was NEVER late on SYNCB/WALMAR account with the account number XXXX. This shows that the Bureaus and the furnisher did not investigate nor responded to my request. This account was not supposed to be late. The payment status does not state any late days that occurred and yet the payment history is showing a 30 Days late? Please update or fix this matter for legal and accurate furnishing.
Consumer complaint received 2018-10-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

It is my genuine opinion of Nationstar d/b/a Mr Cooper ( " Mr. Cooper '' ) have given me, as a retired veteran a furious anger for their cooperation. Since 2010 I have been trying to refinance or modify my interest only loan for a permanent and fixed loan. I have gotten nothing but denial letters. However, you keep taking my financial information over and over. As a retired veteran never have I experienced such disregarded for the sacrifices I have put my life on the line for. What an incredible experience of disappointment, today my mortgage note is over 5,000 with still denial to modify.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (TN)

In XXXX, I purchased furniture from XXXX XXXX XXXX. I financed this furniture through XXXX XXXX XXXX XXXX. I have paid for my furniture in full, and XXXX XXXX XXXX XXXX continues to harass me by calling multiple times a day. I made numerous attempts in XXXX and XXXX to settle this debt for XXXX XXXX despite the fact that my furniture had already been paid in full. I was told by XXXX of the dozens of customer services representatives with XXXX XXXX XXXX XXXX that I would not be able to reach a reasonable settlement unless I first allowed my account to go into default status. The problem with that is that TD Retail Card Services continues to post negative marks on all three of the major credit bureaus, causing my credit score to plummet significantly. In fact, I had to settle for an auto loan with an extremely high interest rate because they were the only ones to approve me. On nearly every XXXX of the dozens of phone calls I have made in an attempt to rectify this matter, I have made the representative aware that the XXXX XXXX has had a catastrophic impact on my family 's ability to meet even our most basic needs. There was no consideration for this matter. I would repeatedly ask for an itemized statement of the alleged charges, but I would ultimately be transferred to a line was supposed to be where I would be greeted by an account XXXX to assist me. At that point, I would be immediately disconnected. I am asking that the alleged debt to TD Bank/XXXX XXXX XXXX XXXX  be forgiven, that all negative reporting be deleted from all credit bureau reports , and I am ask for {$3500.00} to be paid directly to me so that I may pay down the principle for my high interest auto loan that I would not have otherwise incurred if even XXXX person would have cooperated with me in my numerous attempts to settle this account. I just want to do the right thing, and they have made it unreasonably challenging to do so. It seems remarkably unethical for them to force me into a delinquent status in the wake of a pandemic and armed with the knowledge that my husband had abandoned his family of XXXX.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (NV)

I Disputed this Account Name : Original : XXXX XXXXXXXX XXXX Current Owner : XXXX XXXX XXXX Date Submitted : XX/XX/XXXX Report No. XXXX XXXX Answer : the Debt is Verify I contact XXXX XXXX XXXX said have them contact us to tell them that this account was settled in full on XX/XX/XXXX And I will sent you a letter to prove that this Account was Settled in full. I will attach this document & Please take off the Deragatory mark on my Account thank you.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Tower Loan of Mississippi, Inc. (MO)

Contacted my employer after I told them I'm not allowed calls at work. When calling to make my payment, I asked the rep ( XXXX ) to not call my employer or anyone else regarding my balance owed or payment. He kept acting like he would process my request and then say we will call those numbers as a last resort. I told him 4 times he did not have my permission to call my employer or friends/family about my debt and he refused to give my confirmation he or anyone else at their company would respect my request.
Consumer complaint received 2018-10-10
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: Financial Credit Network Inc (AZ)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent certified letters to Financial Credit Networks, demanding that they verify | validate a collection account they are reporting to XXXX, XXXX and XXXX.

In three ( 3 ) separate letters, I disputed that this is not my account. I've demanded that FCN provide me with an application, contract, consent forms or financial responsibility form, bearing my signature, validating that this is my accoun | debt.

FCN, has not provided me with any of the documents that i requested. FCN continues to violate the FCR by not providing me with these documents to validate this collection. FCN continues to report inaccurate information to XXXX, XXXX and XXXX. When XXXX, XXXX and XXXX have requested FCN to verify the debt, they respond to them with verified debt, knowing that they have not verified the debt.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

On XXXX XXXX, 2017, I was made aware of Equifax 's security breach potentially affecting 143 million individuals. I visited Equifax 's official page to check whether my information had been compromised ( https : //www.equifaxsecurity2017.com/potential-impact/ ) and was given the information that yes, my private information ( social security number, name, credit history etc. ) were indeed compromised during  the security breach.
Consumer complaint received 2018-10-10
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: Experian Information Solutions Inc. (NC)

I wrote a letter to Experian dated XX/XX/2018 informing that there is a negative report by North Carolina Bankruptcy Court and Department of Treasury Internal Revenue Service Federal Tax Lien against my social security number. I did get a response but they did not address the issue. I also submitted documents supporting my request. I will be submitting the documents to you as well. In my attachments you have only one letter to XXXX. However, Experian also received the same letter, dated the same as well.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION (MN)

We discovered two fraudulent charges on our XXXX credit card statement. I contacted the credit card company, and they had me file a dispute by filling out a form and faxing to them which I did on XX/XX/. Several months passed and we had not gotten any response nor credit on our account. I contacted the credit card company once again and was told that to email the dispute foam which I did on XX/XX/XXXX. As of XX/XX/XXXX I still have not gotten a response nor a credit. I tried calling the company directly and was transfer to the fraud department, and I was instructed to leave a voicemail.
Consumer complaint received 2018-06-11
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. (NC)

This is appearing on my credit, the loan was taken in XXXX. I live in XXXX, it is illegal to take a payday loan in XXXX. This information is incorrect and does not belong to me. The company refuses to take this off my credit
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to Equifax,  XXXX, and XXXX XXXX that I owe them {$9900.00}.