davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc. (GA)

My wife name is listed not mine they put tradelines under both our names for 1 account that has been closed since 2020 I have disputed at XXXX, and kickoff neither will fix it
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

on XXXX I bought a airline ticket through XXXX by using credit card and when I realized that those tickets fake by confirming by original airline sites, then I tried cancel and called the credit card company to dispute but they says I selected no refunded cancel which I never did and now they wont refund me anything. I keep contacting the credit card and the other company which I bought the ticket from but no help. I really dont want to loss this money please help
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP (MO)

This account was paid in full through wage garnishment, with XXXX, the company has a balance showing due on my credit report when it should be showing a XXXX balance. I have disputed this information 3 or 4 times and the company keeps saying that it is current and keep reporting it as unpaid.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

I filed a dispute with Cash App under account : $ XXXX for a transaction that took place on XX/XX/2024, in the amount of {$1400.00}. I received an email stating that my dispute was approved in my favor and my refund would be sent to my XXXX XXXX XXXX card that was linked to this cash app account. I have yet to receive a refund to my account and the only thing your representatives are suggesting is to call XXXX XXXX XXXXXXXX. We'll I have done that multiple times. I have attached a copy of the email that was sent to me. I need thus resolved immediately please thank you
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

The company nis trying to charge me twice for what seems to be the same account. {$2700.00} and {$2600.00}. I have been disputing these fraudulent accounts since 2023. I have requested Validation of Debt, Collection Agency License, Original Contract with my signature, acknowledgement of receipt of police reports and affidavits of identity theft, detailed methods of verification all of which have been ignored. I have even provided the company with a complete printout of FCRA-605b to explain that a fraudulent account can't legally be sold or reported after proof of such has been provided, which it has.
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TX)

This is now the 3rd proxy company LVNV funding LLC had used to harass me for a debt for which there is no agreement in writing with my wet signature that I have an obligation with LVNV funding llc. They have use at TOTAL OF 3 COMPANIES TO HARASS ME NOW. Please see my to previous cases as proof. Lvnv keeps violating the cease and desists so I will now obtain legal counsel and am preparing to sue. I request that that what ever account or accounts lvnv is reporting on my credit report be IMMEDIATLY REMOVED AND DELETED FROM MY TRADELINE. Failure to do so will result in me invoking my rights under FCRA protections and will sue LVNV for breaking and disregarding regulations.
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I provided the companies with affidavits of identity theft, police reports, detective phone numbers and multiple disputes that were all ignored. I requested a detailed description of the companies ' methods of verification, validation of debt, license to collect in the state, I sent a litigation letters all of which have been ignored. I requested a block based on FCRA-605b which was also ignored. The companies will not respond to me at all. I do not owe the collection agencies anything.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (FL)

DiscoverCard has denied several legitimate transactions for me, one time leaving me stranded at an airport because I could not get a XXXX home. When the transaction occurs I received a text on my cell phone suspecting fraud and telling me to call in. When I call in I am told I can only validate my identity with a phone number that is with the credit bureau. I changed my phone numbers awhile back due to XXXX XXXX and my current number is not in the credit bureau, nor do I want it to be. Even though Discover is texting me about the fraud to my correct number, they will not use that for my identity and as a result I cant gain access to my account.
Consumer complaint received 2015-07-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX, have been trying to Modify my XXXX mortgage Thru Chase for the past XXXX years. They take a long time and we keep providing all the information that they require in a timely manner. I keep being told that its under review and then I am told to resubmit everything all over again because the file is too old again. I keep getting the run around and not the help I need. I have been having financial troubles XXXX and a severe reduction in work and pay. However, I feel that I can save our families home with a Modification.
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

This company keeps reporting on my credit file, I have disputed and called. This company does n't even have a social associated with this account. I have never had a XXXX cell phone, I need some help to resolve this issue
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (DE)

This is related to my Venmo account. Name on account is XXXX XXXX ( my married last name ). My Venmo Customer Support Ticket number is XXXX. 

For the past couple of months, I am unable to transfer money from my linked XXXX checking account into venmo. However, Venmo allows me to link my XXXX account and allows me to pay people as long as it's link. But won't allow me to transfer funds into Venmo- a feature I have successfully used before. I attempted to transfer money again and received a message that says I should contact customer service. 

On XX/XX/XXXX, around XXXX XXXX, I called Venmo. The agent could see I had multiple attempts to transfer fund that were declined. 

They said their XXXX referenced a risk rule and to wait XXXX hours for things to reset so I could make the transfer. 

HOWEVER, the agent noted that they could see I had many other attempts where days or weeks went by and nothing in 'their system reset '. 

I asked her to escalate this to their XXXX  or XXXX  team to look into it. She said they couldn't do that and there was no other option to address this. 

I notified her that I am making a formal complaint and wanted her to raise this. She said they didn't have a complaints resolution process. 

I asked to talk to a Supervisor. At first, she said I couldn't but upon pressuring for resolution, she transferred me to a supervisor named XXXX. XXXX basically told me the same thing and mentioned I could get a Venmo debit card as a way to solve for this. 

I found this SUPER problematic. I also notified them that I believe UDAAP has been breached for not having any way to address this. They wanted me to have a subpar product experience and use their product to solve the issue I'm having instead of finding a way to fix it so I could get equal access to all their services and features like all venmo customers. 

At the end of the call, XXXX said she would raise it but did not give any clarity and said she wanted to set my expectation that nothing can be done.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX of 2024 CITI Bank decided to close my bank account with no warning and or explanation. I have reached out multiple times to CITI Bank employees via phone call same day XX/XX/XXXX of 2024 at XXXX, next morning XX/XX/XXXX of 2024 at XXXX. I was given no explanation of reasoning to why my account has been disabled and blocked. I have been denied access to my mobile Citi bank app as well. XX/XX/XXXX of 2024 at XXXX I have contacted CITI Fraud Service line and wasnt given any information as well. Did not receive any physical mail/ letter, email and or phone call to why Citi has denied my account and funds.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (PA)

I received a refund from XXXX XXXX and they suspended my account, I have called XXXX times about this and I have provided all the documents they have asked for, and they still do not remove the suspension with all my money in the account, each time they send me another email asking for more of the same documentation that I have already sent them, No representative or supervisor has been able to help me, they just say they have to escalate the situation to a specialized team and when I ask them for the number of the specialized team they say they don't have access to that number
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

In XXXX 2013 I became the victim of identity theft. One of the accounts is from XXXX in XXXX, IL. I have successfully remove all fraudulent accounts and addresses from all credit reports by repeatedly providing a police report, signed affidavit and supporting documentation, including a history of events and fraudulent account disputes and resolutions. However, equifax has been notified several times of my identity theft and this specific fraudulent account. I did n't even receive confirmation of my first notice of fraud to equifax. It was only after my second fax of documentation that equifax acknowledged my dispute. It took several notices of fraudulent addresses for equifax to remove those, and they have now refused to remove this particular account from XXXX. XXXX, XXXX, XXXX XXXX XXXX, and several other fraud investigators have been very responsive and accurate. This problem is particular to Equifax.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (OH)

The company provide a debt validation response. I am not disputing the debt. My dispute is that I do not owe for the debt. Discover took my original application and securitized the application. They then took the XXXX  number created to trade my application on the secondary market. The law states that they are to take 20 % and I am to be paid the remaining 80 %. However I have not received any proceeds. They turned my application into commercial paper. 

Additionally they are making claims that are illegal. It is illegal to deny the payment coupon as a form of a payment as it is a negotiable instrument per UCC 3-104. Discover also requested I include a check with the coupon which again is illegal as they can not request payment to be made with floating rate notes. 

They are refusing to return the floating rate notes I paid while I was unaware of this information. And have advised they charged off the account as a loss, when in fact they have not experienced a loss because they are still trading my application on the secondary marketing and receiving benefit. 

They are committing securities fraud and have refused to correct their fraud. 
They did not provide proper disclosure as no where in their cardmember agreement states they are using commercial paper nor does it speak about them turning their applications or the floating rate notes into securities to be traded on the secondary market. 

At this time, Discover is committing Tier 2 Federal Reserve Act offense which is punishable as {$25000.00} per day that my issue is not resolved. 

They are failing to perform their fiduciary duty.
Consumer complaint received 2023-04-03
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. (KS)

On XX/XX/XXXX I received a call at around XXXX XXXX from someone who said he was XXXX XXXX XXXX XXXX XXXXXXXX in credit card services. I was with family so did not answer. A recording was left. He stated that if he could not get me on the phone he would put a " security hold '' on a XXXX  credit card they had issued in my name and to call them right away. So on Monday XX/XX/XXXX I called XXXX  and talked to XXXX in their Fraud Dept. He asked me some questions and stated the person who applied for the XXXX credit card said she was a XXXX. I have never been nor am I now a XXXX. This person used my credentials except for the addres which they used at XXXX XXXX XXXX XXXX, PA... I told him this was a bogus address and I have never even visited Pennsylvania nor do I know anyone or have not ever lived at that address. He said he would take care of it and make sure and let the CRA '' XXXX ( experian, equifax, XXXX ) know and make sure it comes off my reports. He did not. It is still showing as an address along with a XXXX Credit card for {$11000.00} on my credit report. This is wrong. I have informed XXXX and sent a police report as I had the Officer listen to the recording. I have also filed a complaint with the FTC stating Identity Theft and will attach it to this info. XXXX  XXXX XXXX still has not removed this " bogus '' information from my credit reports even though I have requested a letter promising they would. I have not received one. I have spent hours and hours on the phone trying to resolve this.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc (SC)

VERIFICATION OF DEBT REQUEST RE : account number XXXX Alleged debt in the amount of {$11.00} Dear H & R Accounts, INC. After reviewing your dunning letter, I have some concerns about the validity of your reporting/request. This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. Request is hereby made that H & R Accounts, INC. and XXXX XXXX XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. Accordingly, please provide me with a complete accounting of the alleged debt H & R Accounts, INC. claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to H & R Accounts, INC. for the alleged debt obligation which is the subject matter of this dispute. An itemized breakdown of what H & R Accounts, INC. claims the payment is owed for. Explain and provide me with the method utilized to calculate the amount in dispute. Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount H & R Accounts, INC I owe. Identify the current owner of the alleged debt. Identify and accurately describe any third-party costs for which H & R Accounts , INC is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report. Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. Provide a statement showing the relationship H & R Accounts, INC has with XXXX XXXX XXXX, and advise how H & R Accounts, INC gained access to my private personal data without my exclusive written consent. Dated : XX/XX/year> XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL INC (MN)

This debt stems from the IRS. IRS contracted with the company XXXX XXXX XXXX XXXX. 
In XXXX I owed {$430.00}. I didn't pay the debt until XX/XX/XXXX. Since I didn't know what the interest that would be charged on {$430.00} so I paid {$500.00} figuring it would cover the amount due. 
The IRS claims I never paid my debt and so for two years the amount of {$430.00} had been steadily increasing. The IRS wouldn't return calls or letters. The IRS contracted with XXXX XXXX XXXX XXXX to collect the debt. 
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX, including letters from the IRS 's own debt collectors proving I had paid. My bank sent a letter with documentation that I paid. I sent in a copy of the IRS 's Direct Pay that showed I paid. 
When I contact XXXX XXXX XXXX XXXX -- every representative has a different way of interpreting the documents. 99 % have indicated I have sent the correct info to prove that I paid this debt, but the XXXX I spoke with today, indicated that SHE BELIEVES I still owe an additional {$490.00}! I asked what that was for and she said penalties. I asked what sort of penalties and she said she didn't know. 
I want the IRS to look at the documentation, admit they are wrong, and stop bothering me with debt collectors.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NE)

Wells Fargo Bank messed with my accounts after they did not take a serious caution to acknowledge the suspicious check before I already deposited a suspicious check and I was the victim of fraud, contacted the branch XXXX in the person. After XX/XX/XXXX, Wells Fargo decided to close all of my accounts to prevent fraud. I am a hard working to get communication with person because they refused to provide interpreter for getting information and did not cooperator to my communication right until now. 

The branch XXXX suggested me to call the Wells Fargo Fraud Department. I realized the consumer allegations it made robocalls to keep circle like text numbers no longer associated with living relay.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (PA)

This complaint to LIGHTSTREAM for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Consumer complaint received 2016-05-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: COMMERCE BANK (MO)

I recieved a check for {$550.00} dollars that was post dated XX/XX/2016. I deposited the check into a personal bank account on XX/XX/2016 with my bank, Commerce Bank . Funds were not available for the check when it was processed on XX/XX/2016. Commerce Bank proceeded to charge me {$10.00} for a returned check AND did not re-run the check. My account was never overdrawn and I was told that the check would be sent back to the originator by a Commerce employee on XX/XX/2016. It is improper for a bank to process a post dated check before the date on the check, charge an account holder for essentially doing nothing except mailing the check back to the originator, not re-posting the check on or after the date it was deposited and not communicating to me that the check would not be re-posted to my account.
Consumer complaint received 2024-09-07
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: RFNA, LP (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-09-07
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: Avant Holding Company, Inc. (PA)

a hard inquiry was done on my credit card that i never applied for or submitted to. i called them and they said there was nothing i could do as it was declined but they negatively effected my credit report