davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had received an email from indeed saying they thought this job would be a good fit for me. I saw that it was a remote video editing job so I decided to look into it. I applied for the position and they told me we would have the interview on the XXXX app. I went there and they had a pdf of all these professional questions, and I answered them to my knowledge. They told me I would hear back from them in a day or XXXX. The next day I got a message from them saying I got the job. They gave me a list of all the equipment I would need for the job. I told them I didn't have all the equipment that they had listed. They told me the company would send a check of {$2500.00} for me to get the required equipment from their accredited vendor. They sent me the check and I had it deposited in my bank account with XXXX. Before the check I had {$760.00} in that account. Then their accredited vendor who I also talked to on XXXX was asking to transfer the {$2500.00} to them through XXXX and I couldn't send it to them because of my bank. I went to Huntington bank to let them know that it was in fact me trying to send this money through XXXX and they gave me the go ahead. I couldn't send all of it at once still, but was able to do {$500.00} breaks of it. I did XXXX {$500.00} transactions. So in my account I had {$1000.00} left over. The company kept pushing me to keep doing {$500.00}. That's when I realized something seems off so I called the company I applied for and they said that they had no positions of this at all in their company and requested me info because this wasn't the first time they got hacked like this. So I went to Huntington Bank and have my account freeze and on hold. I explained what had happened and they said since I had come in and said that it was me trying to send money ( fake check money mind you ) to the receiver on the other side that the remainder {$1000.00} I had to pay for so now my account is XXXX because they took everything I had in there to pay off fake money.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OH)

On XX/XX/XXXX some woman had gotten Into my phone and stole XXXX dollars from me by sending it from my cash to hers. It was unauthorized. I was in the bathroom and didn't find out until later. So I disputed and XXXX  denied me twice saying I authorized it that's why. Which I didn't. This company is horrible.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AL)

To Whom it may Concern, RE : REQUEST FOR FURTHER INFORMATION With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report.

The report records that I owe a company that I did not enter into any agreement with. I request that you provide the original documents for this information containing my appended signature and any other related information. 

If this information is unavailable, I request that you have the item deleted from my credit report as soon as possible. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (IL)

I closed my business checking account on XX/XX/2024. A representative told me it was closed. The account does not appear on my dashboard. XX/XX/2024. My business credit card has been blocked because I am being told additional information is needed to close the business checking account. An account that I already closed and was told was closed. The account does not even appear on my dashboard when I log in. As of today XX/XX/2024 I am still unable to use my credit card which was recently opened and had nothing to do with business checking account. This has to be one of the worst consumer experiences I have had with any bank. It has delayed my purchases. It should not be this difficult to close an account.
Consumer complaint received 2024-10-03
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: Resurgent Capital Services L.P. (NY)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and New York Laws Dear LVNV FUNDING LLC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft fraud laws under New York State Penal Law 190.80 . 

It has unequivocally come to my attention that LVNV FUNDING LLC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, New York State law, specifically under Penal Law 190.80 ( Identity Theft in the First Degree ), underscores the seriousness of unauthorized access and misuse of personal information, including unauthorized credit reporting. Such actions not only violate my rights under federal law but also infringe upon New Yorks stringent identity theft protections. 

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that LVNV FUNDING LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New York State Penal Law 190.80. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and New York State law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LVNV FUNDING LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (MA)

When I signed up for my credit card, I received an XXXX pass good for a year ( I activated my card and received the passes on XXXX/XXXX/XXXX ). I called BarclayCard support on XXXX/XXXX/XXXX asking for the specific date of expiration of my pass. The representative said that my pass expires on XXXX/XXXX/XXXX, and I confirmed with that same representative that I can use the pass through XXXX/XXXX/XXXX. I found out today XXXX XXXX/XXXX/XXXX XXXX that my pass expires on XXXX, contradicting the information given by the representative. I contacted BarclayCard today asking if they can either extend the date or reimburse the cost of a pass ( {$100.00} ), and they only offered me XXXX or XXXX points, worth {$20.00} or {$50.00} respectively. Had I been informed of the correct date by the representative I spoke with, I certainly would have used the pass. Instead, I was misled and unable to use the benefit I intended to use when I signed up for the card.
Consumer complaint received 2016-02-15
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (WA)

TJmaxx Reward/Synchrony. and or their collection deptarment. They are calling my Work phone! I would like them to stop. They have my cell phone number, they have my email, they have my address. They Do Not have to call my work phone. They are going to get me fired! I have my cell phone on vibrate at work, I can not answer it at work. They are calling me every half hour, and from various different phone numbers. XXXX XXXX XXXX etc.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (CA)

I received a denial for a claim Ive done with XXXXXXXX XXXX within the the denial the reasoning was stated that XXXX XXXX bank has provided documentation showing that I authorized the transactions from the claim. In response I contacted the cfpb XXXX XXXX bank and got to the bottom of it by receiving documentation from XXXX XXXX stating that I do not have an account with XXXX XXXX. I ask how its possible for XXXX XXXX to contact my bank with documentation stating that I authorized any charges if I do not have an account with them XXXX XXXX is lying and have not received any documentation from XXXX XXXX at all and have denied my claim under false pretense. I have reported to cash app that I do not have any accounts with them and if there is any accounts in my information it needs to be removed I was told that I cant talk to a supervisor which is a right of consumer. I then explain that my rights are being violated by putting a company policy above my consumer right to a supervisor as well as the fact that I am literally calling to figure out how they are saying I authorized any transactions when I have not authorized any accounts with them what so ever I have even received new bank accounts from this situation because it proves that someone has access to my personal information. Im not sure why cash app is not responding in regards to this matter more professionally. Ive also learned of the XXXX equifax data breach as well as the XXXX national database data breach for which I have put security freezes on all three credit bureaus to protect personal information Freon further attacks
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX  : This account was taken over by XXXX XXXX  XXXX They never gave me a reason why the account was taken over and closed. This company is not communicating with me about the account. I believe this was closed because of Identity theft. 

Macy's/CBNA account was closed for the same reason. 

XXXX XXXX XXXX account is not mine
Consumer complaint received 2021-10-27
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (TN)

XX/XX/year> spoke to XXXX # XXXX Account Resolution Selence Finance she stated the contract was mailed to XXXX, Tn address on XXXX XXXX XXXX again I expressed I never received the final modification contract. I asked it the corrections were made to have the siblings ' names removed because modification is based on my income I provided all financial documents. Spoke to XXXX on XXXX XXXX he stated that he had put in a request to have these corrections made removing siblings names from final modification documents. Called back spoke to XXXX # XXXX in Customer Service she stated she didn't see where they are working to correct the documents make the changes needed to have the names of the siblings removed. Received acceleration of the debt for modification after I've made the 3 trial payments and waiting on corrected final modification documents to be sent for my signature. I've called to make the monthly modified payments for XXXX XXXX XXXX XXXXXXXX will not accept my payments.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-01
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. (LA)

I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : CBNA ( BANK ) - INQUIRY DATE ( XX/XX/year> )
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

Basically I had alot of money invested with cash app bitcoin and it was stolen but alot of the transactions didnt show on my end until way later and for large amounts. Also had my debit card unauthorized charges made by people that didnt own a cash app with my name but the transaction still went through meaning anybody can find a debit card input it into there cash app and drain that persons account especially if they dont have alerts set up. Every time I spoke with someone whos english was broken and always ended in a result of no resolution made me feel more angry and upset.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

Cash app is holding my money without cause on 4 transactions {$300.00}, {$98.00}, {$15.00}, {$15.00}. I have proof and letters from merchants showing the funds are being held by cash app without cause.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (FL)

BACK on XX/XX/year> My Mortgage CO. Roundpoint Mortgage put a Forced placed Flood Insurance policy on my Mortgage and not officially notifying me of this act until 4 days after the fact and they did this within the 45 day grace period that was aloud according to their official letter to me on XX/XX/year> that they did this to me... They charged me {$99.00} for the forced placed flood policy up until XX/XX/year> and so now I might have XXXX flood policy 's in effect I hope not...
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

I continue to receive demands from transworld systems claiming I owe for a fedex purchase which I never received. I am not aware of the purchase in question. The last time this company bothered me it was an attempt to collect for an item I never even received. And it was cleared from my credit card as they agreed that I never received this item. Furthermore, I have no idea why I would even owe an additional fee to fedex for any reason regardless if the item had been received. This is an attempt to harass and collect monies that I DO NOT OWE. I want this to stop now as it has continued for far too long. I am reaching out for your kind assistance as this agency does not seem to have any internal checks and balances to justify their demands. 
To be clear I have no idea what transworld continues to harass me regarding, but I want it to stop now. I do not owe for any items whatsoever.
Consumer complaint received 2024-10-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: CMG MORTGAGE, INC (NC)

Last month ( XX/XX/XXXX ) I decided to begin the process to refinance my home loan to decrease my interest rate form 8.25 % to a lower rate and to a lower mortgage payment. I do not want a cash out refinance. However, I was told by my current lender, Click to Close out of XXXX, TX, that I would have to repay the $ XXXX first time homebuyer down payment assistance grant that my first lender provided to me. 

No where in the Second Lien Disclosure document, in my closing documents package ( p. 44-46 ), does it state that I would have to repay the grant if I refinance my home loan to obtain a lower interest rate to better afford my mortgage. Learning this last week was not only confusing but extremely discouraging and distressing as I am trying to better afford my mortgage. I was advised that to refinance my home I would have to first payoff the $ XXXX XXXX, or surrender the equity in the home to repay the grant that the first lender, CMG Financial, out of California provided to me. CMG Financial did not disclose this to me, and now I am stuck in a high interest rate without the option to lower the rate without giving away most of the equity in the home in addition to the costs and fees associated with paying to refinance the home. 

Due to the horrible mishandling of my home loan by the original lender, XXXX XXXX, I had to find a new lender in order not to lose the home that I worked hard to find and I was closing on. I was grateful for the work that CMG Financial did to get me a home loan. However, I believe that there has been a misrepresentation of the terms of the down payment assistance grant and unfair lending practices involved here.

I'm at a cross roads that could put be behind financially if I refinance my home, making buying the home a waste of time and money while increasing my debt and taking the equity that I have worked hard and sacrificed for to build up in the home that I purchased in XXXX on my own.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC (FL)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2015-11-07
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NC)

I got an Citi Credit card offer ( Thank You Preferred Card ) in the email from Citi. It promised me that if I spend {$1500.00} in the first 3 months then they will post XXXX bonus points along with {$100.00} gift card. ( XXXX points on dining ). 

I applied for the card ... .got approved ( ending with x XXXX ) but when I spent the money the customer service starting giving me lame excuses. 

They did not give me bonus points and the {$100.00} gift card. They asked me to fax the offer to verify. When I faxed them they said they do n't want to offer me the bonus with gift card. 

This is fraud and false marketing.
Consumer complaint received 2015-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I am protected by chapter XXXX bankruptcy laws from having any of my creditors reporting me as delinquent and the balance due should reflect the court order. in the case of cenlar financial that balance due should be XXXX and no late payments. the same goes for fnb omaha. These XXXX creditors note that it 's a chapter XXXX wage earner plan but show that I am late and in arrears from 2013 when my bankruptcy was confirmed.My information is reported accurately by XXXX but inaccurately by Equifax and XXXX. I have tried to discuss this with them but am getting nowhere. I am trying to do an fha streamline to help my situation and this inaccurate information is a detriment to my credit and is preventing me from moving on.I believe that they are in contempt of the fair credit reporting act because i have made all my bankruptcy payments to my trustee on time and have not missed any.
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.