davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IL)

This complaint is being filed against US Bank Gift Card services. A gift card was purchased in XXXX for the amount of {$100.00}. The card is labeled and sold as " {$100.00} MasterCard Gift Card '' and a {$5.00} activation fee was processed at the time of purchase. The disclosures which came with the card do not describe the card as being anything other than a Gift Card. There's nothing within the disclosure distinguishing or defining the card as being bound to any other " gift card '' classification. Recently, XX/XX/XXXX I called to register the card in my name and was told that there was only a {$2.00} balance remaining on the card. I was informed that US Bank deducts administrative fees if cards are not utilized within 12 months, except where prohibited by state law. I informed the company that I reside in the State of Illinois where consumers are protected from such fee transactions. They escalated my complaint and refunded me {$24.00}. They informed me they were only able to refund up to 12 months of fees, as their systems only contained 12 months of data. They had not retained records beyond 12 months. They then went on to tell me that if I did not utilize the card soon, they would once again deduct fees. I have expressed my understanding of them not having better record retention policies in place, and I have expressed that refunding {$24.00} is acknowledgement of their original error, and that I expect the full amount of {$100.00} to be refunded. They continue to submit internal third party complaint forms, but have not provided me a refund. Again, at the time of purchase the card was sold as a " Gift Card '', and all disclosures ( which I still have ) define the card as a " Gift Card '' and not as a general use card or any other classification of a gift card. A {$24.00} refund is not acceptable on a card for which I paid {$100.00}. 

I've asked them to provide me information in writing as well as contact information so that I can continue to escalate and resolve this matter. They have refused to provide me with a copy of the complaint forms, notes on the nature of my repeated calls, and any information on how I may go about escalating this case beyond their call center. They refuse to provide me with anything in writing that substantiates the statements they make about their policy, and they refuse to provide me with contact information for the department within US Bank that handles such complaints.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Consumer complaint received 2021-04-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CATHAY BANK (CA)

When I was in Cathay bank, they told me to get a line of credit, which was completely free, and it's a good protection just in cause I need the money sometime. 
So I applied, later on, the bank bought me home insurance which is the 3X of the price I used to pay. They didn't send me any insurance doc, and I don't even have a loan with them. Here are the inquiry : 1. We dont have a collateral with Cathay. What are they protecting?

2. They can withdraw your HELOC if we arent qualified anymore.

3. The insurance you bought is 3X than what we used to pay for.

4. No insurance document or policy was sent to us once the insurance was purchased. 
5. When XXXX signed the Agreement to provide insurance, nobody explained to her what she was signing.
Consumer complaint received 2021-04-19
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)

Good evening, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a XXXX XXXX XXXX XXXX. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and was told i needed a ftc report.I am very frustrated because this is affecting my credit report.I tried to add another fraudulent account to but i couldnt add it. The account is XXXX XXXXXXXX XXXX this account is as fraudulent. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license and social.
Consumer complaint received 2021-04-19
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: Credence Resource Management, LLC (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

Credit Collection Services at XXXX XXXX XXXX XXXX, MA XXXX was contacted for the third today on XXXX XXXX about a debt ( For XXXX XXXX XXXX XXXX ) that was paid in full on XX/XX/2021. I spoke with a collection agent explaining that the account with Collection service was paid in full and that XXXX is still showing a past due amount that was paid to collection services in full. I proceeded to explain that XXXX supervisor stated that XXXX needed Transmission Report and Account number fax to a number a XXXX claims department to resolve bill. Collection agent proceeded to state that her supervisor will email something to XXXX which was failed prior to being contacted today two other times. I ask for the collection agent to let me speak with her supervisor XXXX so I can explain the whole situation over again which I was told that something will be email to XXXX and I stated to XXXX that matters had yet to be resolved because this is my third time calling. I am being give the run around and I would like matters to resolved in a quickly matters cause as of right now XXXX have me with a passed due amount of {$490.00} that was paid in full to Credit Collection Services. I should have to stress about paying something that was taking care of. I would like someone to contact me at XXXX cell # is XXXX and may name is XXXX XXXX. Thank you.
Consumer complaint received 2021-04-19
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: Harvard Collections, LLC (AL)

I got an alert from XXXX  that HARVARD COLLECTIONS added a delinquent account to my credit report. There has been NO communication from this company regarding any debt that belongs to me. I have no dealings with ILLINOIS DEPARTMENT OF HEALTH SERVICES. I dont even live in ILLINOIS. This has negatively impacted my credit score by large numbers and changed my rating and they need to resolve this immediately. This is fraudulent activity!!!
Consumer complaint received 2021-04-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

Hello I have filed several credit disputes with XXXX, Equifax and XXXX  since XX/XX/2021 I continue to file the disputes every 30-45 days with no responses in my investigation nor updates. The credit bureaus are in violation of the FCRA guidelines they have yet to respond to my letters nor forced the investigation properly.
Consumer complaint received 2021-04-19
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: U.S. BANCORP (FL)

I reviewed my credit report and came across 7 unauthorized inquires dated from XX/XX/2021. I would like these inquires removed at once, due to the negative impact it has on my credit.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

XX/XX/XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The Experian website does not have the ability to submit a complaint to Experian when a consumer has a dispute on its credit report. Additionally, when you go to their website, they do NOT have a helpdesk number to call. Also, their phone number ( XXXX only offers 2 options. The first option is questions on Security Freeze and option 2 is questions on ordering a Credit Report. There is absolutely NO OTHER OPTIONS Given. 
Experian can not be EVASIVE to the consumer. Here is my problem. I went to my Experian Credit Report and saw that there are errors in my credit report. I therefore click on the " Start a Dispute '' button and it opens a blank window. I clicked on several of these buttons, but they only open up a blank window. And as I said earlier, there is ASOLUTELY NO HELP BUTTON, NO HELPDESK BUTTON, AND WHEN YOU CALL THEM, THEIR RECORDING HAS ABSOLUTELY NO OPTION TO REACH SOMEONE TO SPEAK TO. IN FACT, THERE IS NO OPTION AVAILABLE TO SPEAK TO SOMEONE AT EXPERIAN. ALL THE OPTIONS ONLY LEAD YOU TO A RECORDING. THIS IS ABSOLUTELY UNACCEPTABLE!!! I want Experian to allow consumers to access an agent to resolve these issues. I want then to add to their main line an option to allow consumers top speak to a Live Agent. I also want this Option on their website. The way it is right now, there IS ABSOLUTELY NO METHOD AVAILABLE TO RESOLVE THIS ISSUE!!!
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (FL)

I received notification from various family members and friends that a company called " spire recovery solutions '' was looking for me about a personal matter, some of these people I havent spoken to in 20+ years, and a message was given to me by a close family member that they were contacted. I received a voicemail and an email from this company telling me to call them about a debt. I looked at my credit report on XXXX and that debt was not on any credit report and did not look familiar to me what so ever. I then received a call from my deceased uncles ex-wife who had he divorced 40+ years ago, that she received a message on her landline answering machine from the spire recovery solutions company looking for me. I don't even know that phone number and never called it in my life. this is quite distressing they are calling people that I haven't spoken to in 20 to 30 years, it's embarrassing and frightening. please help.
Consumer complaint received 2021-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (IN)

A year ago someone from XXXX XXXX XXXX contacted me regarding a department store debt. The lady on the phone demanded payment over the phone but without providing a mode to verify the debt. I asked her if she could send me a statement in the mail, or if I could log in to an account online, if there was any way I could visually see that they held the debt before submitting a payment. She was very rude and insisted that she could not issue any paperwork to me until I gave her a payment, and there was no way to see the debt online. I told her I was uncomfortable giving a random stranger that called me demanding a payment over the phone my banking information. I made it very clear that I was not refusing to pay, but that I was not going to give my banking information blindly over the phone. At the end of the conversation I was informed that I would be sued. I, again, told her I would be happy to submit payment as soon as I had some way of validating who she was representing and where the payment would be going. I was just served with papers stating I am being sued in small claims court. I feel that this is unjust. I should have been given the proper documents and been able to make the payment without being sued.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

On my wifes Santander Ultimate Cash Back Mastercard, 25 unauthorized charges, totaling {$4000.00}, appeared from XX/XX/XXXX to XX/XX/XXXX. These charges are all from XXXX, whose XXXX  accreditation was revoked on XX/XX/XXXX. We have never purchased from the vendor before. Making 25 separate purchases from the same vendor within the 48-hour period is very suspicious and is not something we have done in 17 years with Santander. As soon as we noticed these fraudulent charges, we reported them to Santander Bank. 

Here are some dates and actions taken : XX/XX/XXXX Santander initially gave us temporary credit while investigating. 

XX/XX/XXXX We filed a police report online with XXXX Police Department. 

XX/XX/XXXX We received the first denial letter from Santander without any meaningful explanation. All 25 unauthorized charges were placed back on our account. 

XX/XX/XXXX We received another letter, which is almost the copy of the first denial letter. 

XXXX/XXXX/XXXX Upon our request, Santander provided us with a supporting document ; which seems to support our claim more than their denial of our claim. The buyers e-mail address is not ours, and it even ends with the .ru extension, which indicates that it is based in XXXX XXXX The buyers IP address they provided is not ours. 

XX/XX/XXXX We received the second denial letter after submitting the police report and messages from our local branch supporting our integrity as their clients for over 17 years. 

XX/XX/XXXX The first minimum payment of {$40.00} was made to avoid late fees. 

XX/XX/XXXX The second minimum payment of {$39.00} was made to avoid late fees. 

XX/XX/XXXX The third minimum payment of {$93.00} was made to avoid late fees. 

XX/XX/XXXX We received the third denial letter after our attorney contacted Santander on our behalf. 

XX/XX/XXXX The fourth minimum payment of {$82.00} was made to avoid late fees. 

Please help us! Please feel free to let us know if any further information is needed. We would be happy to provide it.
Consumer complaint received 2021-04-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Credit & Collection, Inc. (IL)

XX/XX/XXXX debt was reported to collection agency, Midwest Credit Collection. XX/XX/XXXX the agency reported a {$1.00} increase which caused my score to go down. XX/XX/XXXX they reported a {$1.00} decrease and today XX/XX/XXXX reported another increase of {$1.00} which made my score drop another XXXX points.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Dear CFPB member, I been impacted with covid -19 and I need 3 months more months to restart my mortgage payment, I have no intention of losing home to forclosure.. My mortgage company PHH serviced through XXXX XXXX  phone # XXXX XXXX XXXX has not reached to me to make a resolution to assist me - I have left messages for my account manager in PHH, instead of calling me, i received importance notice forclosure which is attached with my information and they assigned to a forclosure attorney XXXX XXXX XXXX XXXX XXXX without assisting me.
Consumer complaint received 2021-04-19
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: CITIBANK, N.A. (CA)

I AM A VICTOM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THE CREDITOR NUMEROUS TIMES, SPECIALLY NOW WITH THE CURRENT COVID 19 SITUATION ITS VERY HARD TO REACH ANYBODY. BUT BOTH ACCOUNTS HAVE BEEN OPENED FRAUDULENTLY AND THEY DON'T BELONG TO ME.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid 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: Avant Holding Company, Inc. (OK)

On XX/XX/2022 my Avant credit card was either lost or stolen. Someone used it to make various purchased up to the maximum limit of the credit card. On XX/XX/2022 I realized the charges had been made and noticed the card was no longer in my possession. I reported the card lost or stolen to the Avant credit card at XXXX. Several days later I received a letter informing me that there was a case number assigned ( XXXX ) and asking me to call the investigator name " XXXX '' at XXXX XXXX. 

Calling XXXX XXXX reaches a voice mail asking to leave name, claim number, and call back number with a promise that the call will be returned in 24 hours. Similarly, calling XXXX and trying to go through an operator results in the same message and promise, except there is no name attached to it -- only " Fraud ''. 

Each day for XXXX consecutive business days, I called and left messages, and there was never anyone who returned a call. 

Eventually, I began to also call the original number where I had reported the card lost/stolen ( XXXX ). There I was informed that " XXXX '' had closed the investigation with the conclusion that the charges are valid. 

Now, with my latest statement, Avant is insisting that I pay the $ XXXX in fraudulent charges under threat of penalty and credit reprisal.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Late notations on my account XXXX XXXX XXXX have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2021-04-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

On XX/XX/2021 I submitted a dispute to Equifax and they did not respond to my dispute as of today. I attempted to call however they do not answer the phone.