davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (WA)

In XXXX, I was reached by individuals, acting on the behalf of and/or through the Internet-platform XXXX he individuals contacted me, explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform XXXX does not have a license to trade regulated financial products such as they advertise on their site. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, we assume that all payments were laundered by the Merchant and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with XXXX After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive Merchant, I lost USD XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) paid in multiple transactions. The payments were initiated through my account with U.S. BANK. U.S. BANK never warned me about potential risks associated with those payments. I have tried to resolve the issue with U.S. BANK. On XXXX, a Letter of Demand claiming compensation was sent to the bank. As of today, the bank has not offered a compensation for the losses I have suffered. In the meantime, a complaint was filled to the XXXX XXXX  XXXX on XXXX.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been a victim of fraud I have had alert on all three Credit bureaus XXXX, XXXX, and TransUnion. Neither company have removed the inquiries. I am very angry and on top of being a middle class single parent. Can you please help and assist me with this I have sent in letters to the credit bureaus still nothing. What can I do to help myself or what can you do to help me.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

XX/XX/2020, I tried to link my PNC bank account to XXXX so I can do online trading for personal investments. I was denied. Not sure why. Its my money and I would like to do what I want with it.
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

Between XXXX there were XXXX fraudulent transactions through XXXX pay XXXX Wells Fargo denied my fraud claim and they stated that my PIN number was used. I did not make these transactions so I don't know how my PIN was used. I tried to use my debit card to get gas and it was denied so I checked my account, saw the transactions and made a report right away. When Wells Fargo denied my claim I asked for it to be reopened and still did not get my money returned! I received 2 letters dated XX/XX/year>. One letter stated that the merchant has refunded XXXX to my account and the other letter dated the same day said that they were closing the dispute because my card and PIN number were used. No money was ever refunded to my account. It is impossible that my card or PIN number were used because the card was in my possession and I did not make these on line transactions. I have been with Wells Fargo for many years and have been happy with them until this incident.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2020-04-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (GA)

I have been contacted by a firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX,, Georgia XXXX they first called themselves, XXXX, XXXX XXXX XXXX XXXX for a debit I could not have incurred as it was when my father was Ill and later died. Then with the same address a group called XXXX XXXX XXXX did the same thing, both representatives threatened to sue me for a firm LVNV.
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

Ive received a debt from XXXX XXXX XXXX/Syncb since XX/XX/2018 saying I owe them for lord knows what. I never received a bill or a letter, nor have I ever even applied for whatever credit card this is for.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-06-09
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2015-08-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (SC)

They call at least five times a day and leave a recording stating to leave the last XXXX digits of your account number. Since we have already paid XXXX bills this month and are in transit to XXXX this is ridiculous as we have no records and no idea of what they are calling about. I tried to explain that Florida took away my rights and gave the POA to my daughter and they should call her but this fell on deaf XXXX ears.This seems to be a common practice to have people who speak broken English but it is a very poor practice for an XXXX year old with hearing problems.Perhaps I should turn my phone off. 
XXXX XXXX
Consumer complaint received 2020-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NC)

I closed on a new home with XXXX XXXX  ( XXXX XXXX ) in XX/XX/XXXX. XXXX XXXX   sold it to Flagstar Bank. I then set up my account promptly with Flagstar bank and set up automatic payments of monthly mortgage payments. All these times I had home insurance bought since the first day with XXXX  insurance  agent. The agent sent the proof of insurance to XXXX XXXX  and no issues and all were good. After the mortgage moved to Flagstar I called them and verified the insurance info and I was advised to verify it online, so I verified it online at XXXX. I then received a physical letter saying I don't have insurance in XXXX until late XXXX - 2 letters total. Both times I verified them via XXXX and the second time I called the rep and told about this recurring letters coming to me even though I verified them online and it showed I have successfully verified that I have insurance for the property XXXX XXXX XXXX, XXXX, NC XXXX - Conventional Without PMI XXXX I then even asked my XXXX  Agent XXXX XXXX to fax this info to the Flagstar and his team faxed the info to them. I got another mail now on XX/XX/XXXX that they bought insurance on behalf of me and charged me {$4800.00} and this premium is unwarranted even though I verified my insurance 4 times and called them twice in this regard. It completely shows how they are not in sync or not doing their job of getting the fax info and updating my mortgage, but charging me 8 times more premium and 2 times more of insurance amount. This is very irresponsible and sucking the money from the highly timely customers like me. Now my agent again verifying my insurance with them. I am totally dissatisfied with their handling of this insurance. If they can't even handle this simple task how they will be taking care of my mortgage or any other customers in the US. I am also reporting them to FTC or other agencies regarding this malpractices and fraud.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Equifax is reporting a collections item ( # XXXX ) without naming the collection company which allegedly is trying to collect the debt. Clearly this is 100 % inaccurate as how can I possibly dispute this item with the collection company if I don't know who it is. 

I have written to Equifax two times but they failed in both cases to properly validate the debt as required under the Fair Debt Collection Practices Act. Their continued listing these items on my credit report is a collection attempt which is barred under the the FTC Cass opinion.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

On XX/XX/year> I had an appointment scheduled to open a business account at the Citizens bank office in XXXX XXXX. I had an appointment with XXXX XXXX or XXXX ) XXXX already have an personal account with them and I wanted to linked both accounts. She kept asking for the IRS number from my LLC business. I informed her I had it on my phone and she suggested I emailed it to her and she printed it out. And then, her branch manager came over and introduced herself. All of sudden, she started interrogated rudely about my new business. And then she wouldn't let me answer my questions. I told her I was new at opening a new business and just needed help. They refused to open an account for me even though I had all the required documents for them. I believe I was discriminated against.
Consumer complaint received 2020-04-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (SC)

This company is reporting inaccuracies to the credit agencies. This account is not mine, I have asked for proof THIRTY ( 30 ) days ago, original documents, validation, & they have sent none and it is hurting my credit worthiness. I also have my receipt from my certified letter that I sent over a month ago And received nothing which is a direct violation of FCRA 609. I am under dire stress due to the global pandemic covid19 and this situation is not making it any better.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC (NE)

I was alerted through XXXX identity protection that someone had opened up A credit card under my name that I did not open. There was a credit check for XXXX XXXX And it was not me, so there is fraud that I need taken care of so my credit score and identity do not get destroyed.
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (VA)

XXXX XXXX XXXX ( exact date unknown ), I submitted a formal request via Credit Control , LLC 's website XXXX XXXX XXXX XXXX XXXX seeking detailed information regarding a debt they are attempting to collect. Specifically, I requested the following : - The original amount of the debt ( initial balance owed to the original creditor ). 
- An itemized list of any payments made on the account, including dates and amounts. 
- A detailed breakdown of any interest, late fees, or other charges added since the debt was charged off.

- Verification of the debt, including documentation proving that the debt is mine, such as copies of the original agreement or contract with the creditor. 
- The name of the original creditor, along with written notification that Credit Control , LLC is either the owner of the debt or acting as an agent on behalf of the original creditor. 

Despite this, I received no acknowledgment or response from Credit Control, LLCnot even a confirmation that my request was received. 

On XX/XX/year>, I submitted a second request through their website. In response, I received an email stating, we are unable to locate an account with the information provided. I promptly replied to this email with the debts Reference Number, which XXXX XXXX had mailed to me previously, and requested the same detailed information for a third time. This email was sent to a valid address ( not a " no-reply '' address ), but they failed to respond. 

As a consumer, I am within my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request this information, and Credit Control , LLC is required to provide it without delay. Their failure to respond appropriately or provide the requested documentation is a violation of the FDCPA and undermines my ability to verify or dispute the debt. 

I am filing this complaint because Credit Control , LLC has disregarded my lawful requests and neglected their responsibility to provide the required information.
Consumer complaint received 2024-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/year>, I was scammed by someone claiming to work for bank of America for a total of {$23000.00}. 

Right after the transfer happened, I noticed online it said you can still edit or stop the transfer if you use a desktop computer. I do not have one so I immediately called BOA for assistance. I spoke with a XXXX who denied she could stop the transfer, although we both confirmed we saw it processing still and she was also the one to set up the claim. She asked for my address so she can mail my Scam acknowledgment forms and I confirmed my address 2-3 times with her. When I received the scam acknowledgment forms a couple days later I noticed that the form stated I lived at a completely different address Ive never heard of before. I did not feel comfortable signing. I ended up going to the bank on XX/XX/XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXo speak to XXXX XXXX ( XXXX ). He spoke to three different people and finally got the right address on the forms. He also told me to come back so that they would send out the forms for me to ensure it got there safely. I was able to go back the following saturday to send out the forms, but the co-manager was working that day I didnt get to catch her name, but she walked over to the fax machine I saw her hitting all the buttons and she said she sent them out. Three business days later I called to check on the claim and they said that the papers were never faxed over so I decided to email them instead. sure enough they then got the papers. Why was this address on my legal bank forms? And why did the co-manager working that day not send out the forms for me when she said she did? 

It has been over a month now, and I am being told I need to wait 60-90 days for a response. A woman named XXXX from the complaint department on XXXX XXXX end, told me that theres nothing they can do and even hung up the phone on me as I was still speaking. No answers, no compassion, just left here completely broke. This awful situation is really starting to affect me in negative ways. I rely on that money to live my day to day life. I have worked my tail off for almost 20 years to save up that money. Ive been financially dependent since XXXX. I pay some of my mothers bills, I need that money back. Please!
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX BANK, XXXX XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX BANK, XXXX XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2020-04-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (IL)

In XXXX of XXXX I obtained a loan from TD Auto Finance ( account number XXXX ). When I received my first billing statement I noted that my last name was misspelled on the satetement. I reached out to TD Auto Finance right away and requested a change. They responded asking for a copy of my DL which I provided. The name was not corrected. 

In XXXX of XXXX, I paid off a loan and received the title to the car. The last name and address were incorrect on the title. I reached to TD Auto Finance 3 times until they finally responded a couple of weeks later telling me to go to DVM to correct the issue. 

Given that this is a problem with TD Auto Finance and how they keep their records, I would like the to fix the title and re-issue a new one.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (WA)

I initiated a payment of my American Express Blue for Business Card.

Amex, without my permission or initiation, draft two payments of exactly the same amount right behind each other on the same day. It was clearly an error in their payment processing system. They also show no logic checks to prevent that from happening. I called to get a remedy. I have to fight for them to return the second, unapproved payment. They never did tell me why they initiated a second unapproved payment. They never would have corrected this without my complaint. 
Initiating a financial transaction without a customer approval is clearly illegal and can lead to overdraft exposures and fees and other problems. 

Please make Amex fix its broken payment processing system