davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I purchased a XXXX XXXX treatment plan from XXXX ( Parent Company : XXXX XXXX XXXX ) on XX/XX/XXXX ( according to the debt collector XXXX XXXX ). I was told XXXX does not handle their financial collections in-house but through Ally Lending ( at the time ) and they were going to set me up on a payment plan, but I was told that I could pay it off in full or in larger sums if I wanted to. I had my first appointment on XX/XX/XXXX and decided I wanted to pay the treatments off in full so I didn't have to worry about making payments so I called Ally Lending on XX/XX/XXXX and made the full payment over the phone for {$4700.00}. I have documentation in my bank statements of this payment to this company. I continued to receive mail from this lending service, saying that I still owed the full amount and was being charged interest. So I called Ally in XX/XX/XXXX telling them about the mail and after providing documentation, I assumed the matter was resolved. I continued to receive the same debt mail from this lending company for months after, but I didn't think anything of it and thought they were sending it to me by accident because I 1. had already paid, and 2. I called them to resolve the issue and they said it was resolved. Now it is XX/XX/XXXX and I am receiving calls from XXXX XXXX debt collectors saying that I still owe the {$4700.00} and they have no documentation of me ever paying. So now I am trying to resolve this all over again by giving them a copy of my bank statement showing that I paid the full amount almost 2 years ago. I just checked my credit score and this specific issue has dropped my score well over XXXX points ( I previously had an almost perfect score ). This has been an absolute nightmare and not only am I having to deal with the tedious task of getting this resolved. I also have to prove that I've been falsely reported for debt with creditors so I can attempt to fix my credit score. It's not fair for someone who has done the right thing, paid all the bills on time, etc to have to experience detrimental damage to their credit score ; which is one of the hardest things to resolve and necessary to be eligible for pretty much anything.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Around XXXX weeks ago, I was skimming through my Wells Fargo checkings account to see if there's any transactions that were made that I did not recognize. To my surprise, there were many transactions made on the same websites and some others. I have tried file a dispute claim at Wells Fargo to assist me with this fraud but unfortunately they were unable to resolve the claim in my favor. I am still left at a lost of {$710.00}. 

All the unauthorized transactions are listed below : MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Direct CA XXXX CARD XXXX {$4.00} XX/XX/XXXX MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Direct CA XXXX CARD XXXX {$54.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX CARD XXXX {$5.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXXY XXXX TX XXXX CARD XXXX {$5.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX CARD XXXX {$100.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX CARD XXXX {$100.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX TX XXXX CARD XXXX {$30.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX CARD XXXX {$30.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX CA XXXX CARD XXXX {$6.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX {$50.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX {$50.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX {$50.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX {$40.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX {$40.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX {$50.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX {$50.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX {$10.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX {$10.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX {$15.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX {$15.00} XX/XX/XXXX
Consumer complaint received 2024-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I moved out of an apartment at the end XXXX of 2023. A few months later I recieved a notice from the debt collector I. C. System. They claimed that I owed an electric bill which was charged for the month after I had moved out of the apartment. After noticing a negative credit report due to the claim I sent a debt validation letter to I. C. Systems, in which they ignored the information requested in my letter and just sent me a photocopy of the bill in which I was no longer a resident at said apartment. Also the copy of the original bill skips from page 1 of 3 to 3 of 3.
Consumer complaint received 2024-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Continental Finance Company, LLC (NC)

I responded to Continental Financial Company on Friday, XXXX XXXX after I was contacted about the hardship program for {$30.00} on Wednesday, XX/XX/year> to be started after my XXXX XXXX last payment of the XXXX XXXX and once again I did not receive feedback from Continental Financial so I am still facing not being able to make my payments going forward. Continental Finance lied in this response or CFPB complaint. Nothing has change.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

There has been reports of someone elses credit card reports and information that is not mine. I have not consented nor do I know the company of CBNA. As of XX/XX/XXXX I have noticed the account wrongly attached to mine and I have been trying to remove and dispute this account. 

The CBNA has been opened in the year of XXXX. I was a minor in high school in that following year. I couldnt have opened a credit card line
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has acted in a discriminatory and XXXX manner against me. They have illegally and fraudulently close my checking account stating that I filed too many fraud. Claims Wells Fargo has been at the forefront of many lawsuits for their deceptive business practices and consumer fraud to their very own customers. 

I demand that they keep my bank account open, and that they get fined for this heinous behavior towards me a XXXX XXXX XXXX XXXX XXXX XXXX. 

Every single claim that Ive ever filed with Wells Fargo is backed up with a police report an FTC report for identity, theft, and evidence that I was either hospitalized with XXXX or that I was not even in XXXX at the time that any of the charges took place on my account They can not simply close my account because I inconvenience them and they have to be forced to do their job every time they have rejected accepting supporting documents from me and now theyre going to blatantly lie and close my checking account saying that I filed too many claims this is discriminatory behavior and I demand That they take responsibility for what theyve done to me. They are victimizing me a victim, and they are criminalizing me and away as well closing my checking account for saying that I have too many claims is like blaming XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will be filing an FDIC complaint as well.
Consumer complaint received 2024-11-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (DE)

Ref : Complaint ID # XXXX XXXX & XXXX : The above referenced complaints have been resolved in the following manner : I have received credits to the account for the duplicate delivery and subsequent return. Logically, the transaction should have cleared the account but now I am being invoiced for late fess, penalties, and interests for the duplicate purchase. I have explained to Citi that the account should register a XXXX balance but I am still being invoiced. 

In addition, a " behind in payment notices as '' as well as " late payment fees and penalties '' have been reported to the Credit Bureaus and as a result my credit score has very noticeably fallen.
Consumer complaint received 2024-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (VA)

My mortgage company, NewRez, accidently sent me an overage payment last year which I promptly returned to them ( within a 3 days ) as it was a mistake on their end. When they reassessed my escrow account this year they factored in additional escrow funds based on them paying me the overage because it made it appear that additional escrow funds were required to cover the full amount of escrow. This resulted in my mortgage payment increasing dramatically. I have called them numerous times over the course of several months. The representatives all confirm they can see the error and I have also provided proof that my insurance payment is XXXX of what they assessed it at based on the prior year 's insurance payment plus the overage amount. They tell me it will be reassessed and they will send me back the money I have paid due to the increase in my payments that were caused by this error. They reassessed my escrow amount this month and are still factoring in additional escrow based on their mistake last year and is still resulting in my mortgage being more than it should be.
Consumer complaint received 2024-11-15
Product: Credit card — Store credit 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: CITIBANK, N.A. (NY)

Ordered an item from Macys which was not received. Item was valued over {$500.00} dollars and was left outside by XXXX with out signature. My home is close to the street with school close and assessible to anyone walking or driving by. Dealing with a death in my family I wasnt aware of the missed item until weeks after and outreach Macys who offered to send a replacement or refund if replacement was not in stock. After months of call and the charge still appearing on my cad I was informed to get a police report and send to Macys. I did get the report and was informed that the funds would be removed. I was not getting statements to my home as Macys was sending my statements to my sisters home XXXX XXXX XXXX XXXX XXXX  XXXX. Unaware of the bill and that the funds were not returned I believed my Macys account had a XXXX  balance until I applied for a card in 2024 and saw the negative account from Macys. I outreached and Macys stated they would not offer a refund because it was too long gone. The account was closed at my request and a lawyer outreached Macys with supporting documentation with no avail. My account has been charged off by Macys but when I try to resolve they inform me that I owe over {$800.00} as there have been late fees added.
Consumer complaint received 2024-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Herbert P. Sears Co., Inc. (CA)

I disputed an entry on my credit file listed " XXXX XXXX ''. After being a victim of identity theft in XXXX, weird things begin to show on my credit report. This was one of them. I provided a police report to XXXX and the current collection agency at that time, XXXX  so the theft of my identity. The fraud account was removed from my account XX/XX/XXXX. I received an alert on my XXXX report on XX/XX/XXXX that a collection was added. I checked and it was an " HP SEARS ''. I called and they told me the above mentioned debt was sold to them. How when it was removed as fraud? Not to mention, it is my understanding that medical debt can not be added to your credit report anyway. Sounds like this is illegal and fraudulent as I did my due diligence for years to get it removed. I have since re-disputed this entry on all my credit reports. XXXX was the only one that honored the fact this has already been identified as fraud and removed it again. Please have HP Sears remove this illegal collection as it has been previously removed by all XXXX credit bureaus and resolved.
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC (MD)

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ).
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I am writing about Citibank at night time calls are handled in the XXXX I have had this account one month and they have blocked my account because I filed a complaint about an employee in return he blocked my account on a fraud hold I don't know how this company could be handling people a. Right now I'm on hold with the fraud department where a supervisor is not available they are playing games with people 's money and it's a joke.
Consumer complaint received 2024-11-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (MO)

I sent a certified letter to requesting proof of debt and the amount on XXXXXXXX XXXX XXXX. I received a notice today from the credit agency stating that the credit agency verified the debt but I have yet to receive any contact from the company.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-13
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MN)

Dear Consumer Finance : I asked for Macys to renew my Macys credit card last XXXX or XXXX. Unbeknownst to me, Macys granted me two credit cards one the regular Macys and one a combination XXXX XXXX XXXX XXXX 

Last year I couldnt figure out my I was getting a bill from Macys when I just paid my Macys credit card. I drove to the nearest Macys store and the clerk informed me that I had two Macys cards.

Can Macys give me two different kinds of credit cards without my permission nor my awareness?

I wrote to Macys about how they created confused and have negatively impacted my credit score, which historically was in the XXXX. Macys stated that their credit report was correct, but they did not acknowledge the source of the confusion Macy 's granted me two credit cards when I asked for one. 

If I can, I have attached the letters to Macys, Macys reply and my credit report. I dont think any company should give customers two credit cards when I only asked and authorized one.

Macy 's responded to my request to take responsibility of the confusion caused by giving me two credit cards instead of one. Unfortunately, they did not acknowledge their mistake nor are they willing to correct the negative credit reports.

Is there anything you can do to help me?
Consumer complaint received 2024-11-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

It is advisable that the collection agency assure that their records are in order before I am forced to take legal action. 
1. Agreement with the collection agency and the original creditor that grants the authority to collect on the alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/ she agreed to pay the original creditor 3. Any insurance claims made by the original creditor regarding the account in question 4. Any judgment obtained by the original creditor regarding the account in question 5. Any name and address of the alleged original creditor.

6. Name on the file of the alleged debtor 7. Alleged account number 8. Address on file of the alleged debtor 9. Amount of the alleged debt 10. Date that the alleged debt became payable 11. Date of the original charge off or delinquency 12. Verification that the debt was assigned or sold to the collection agency 13. Complete accounting of the alleged debt.

14. Commission for the collection agency if collection efforts are successful.

Please provide the name and address of the bonding agent for the collection agency in case legal action become necessary. The collection agency can not and will not be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practice Act
Consumer complaint received 2024-11-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NY)

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance XXXX name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (GA)

I have tried to close this account several times over a long period of time with no luck. This account is a Macys/American Express account . I have a regular Macys card that I want t but am declined I do NOT owe any money to Macys on either account. I can not get beyond their automated phone system.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (AZ)

I am a XXXX XXXX. My caregiver for the past XXXX  months stole my identity and made purchases that I did not authorize at all. I did a police report and yet all XXXX credit bureaus are reporting this information as mines.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On XX/XX/year> I received an email from XXXX XXXX XXXX XXXX assignee XXXX XXXX. The email advised me to call or write them by XX/XX/year> to dispute all or part of the debt. I sent a validation letter through the mail on XX/XX/year>. On XX/XX/year> I received a notification from all three credit Bureaus that a collection account from XXXX XXXX XXXX XXXX was placed on my credit report. They have not replied with any correspondence and validation proving I owe this debt. 
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. I've attached below a copy of the correspondence I sent to the collector.