davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Secured Resolutions, LLC (NY)

This Collection Agency Secured Resolutions LLC is attempting to collect a Debt for a XXXX XXXX XXXX in the amount of {$1600.00}. Several attempts have been made to reach out to this company to attempt to resolve this, this is fraudulent and is not verifiable debt, this is not my debt. I have received nothing from this collection agency and they can not be reached. I have disputed this several times on XXXX XXXX and with no luck it seems to stay on my credit report, but the agency will not contact me back about the matter. Again this is not my account and they can not verify it is mine.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (CT)

A mobile deposit was made on XX/XX/2018 into my Suntrust checking account, now Truist Bank, the amount of {$4200.00}, a close out check from XXXX XXXX. I called Suntrust on XX/XX/2018 inquiring about funds availability, the rep released funds that day, making full or half amount available, I do not have exact amount available to me due to length of time since account closed in 2018. I later learned XXXX XXXX placed a stop payment on check prematurely, without my knowledge. The account became overdrawn due to stop payment, funds had been spent, the amount Suntrust claims I owe is {$3400.00}. XXXX XXXX has not reimbursed for funds owed to date, separate CFPB complaints filed in re, unresolved to date. A prior CFPB complaint filed against Truist Bank as well.. I believe Suntrust reps made an error at the time in releasing funds without verifying them first. I suspect they will refer to their funds availability policy which I am not familiar with, it has been over three years since account closed. I also suspect they will claim it is their discretion to make funds available or not, however, the CFPB might want to look into this as Suntrust is apparently reporting the account to consumer reporting agencies as well as several collection agencies. Most recently, XXXX XXXX XXXX sent me a debt collection letter in re, referred account back to Suntrust after complaint filed with CFPB. XXXX XXXX is the third collection agency attempting to collect on this debt, maybe not the last.
Consumer complaint received 2021-07-29
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. (NY)

I am contacting you today because I am a victim of Identity theft, my life is in a place where I never thought it would be. Recently I did not know about how to handle this fraudulent account with XXXX that someone frauded me out of for {$5000.00} with that company. The company then sold it to another company as a collection and they've been harassing me and my family, coming to my home and calling me nonstop. Now I contacted the original creditor and they fraudulently sold the debt without telling me or contacting me to let them know that the account was fraudulent or going to be sold. Now as a consumer with your company im suppose to be protected from all fraud that takes place. I am not asking, you must abide by the law and this account has to come off. According to the FCRA all fraudulent accounts must be removed within 4 days or you are in violation of the law. Ive read up on multiple sites that you guys try to go around the rule and verify that the debt is inaccurate, but all my information was stolen so ofcourse they will try to verify because they think its me. This is not my debt but I am suffering for it do not let XXXX XXXX lie to you and say that its me. Do not let the criminals get away with putting this debt on my name. I want justice for me and my family. Im attaching my FTC report, state id, Identity theft affidavit, and proof of my address.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MO)

Recently discovered that I've been charged for card security program on my Care Credit card ever since opening the account in 2016. I never purchase card security on my accounts. The company states they would not have added it without a verbal or written request. But when I first opened this account it was at a dentist office when I was scheduled to have some expensive dental work done, they offered to do financing for me. They advised me of the payment terms, so many months without interest to pay and I agreed. I didn't even realize until later that they had set me up with an actual credit card, I thought it was just financing through their office. Anyway, I set up my account online with Care Credit website & made my payments. I have since used the card many times for other services. I always log in to the website, where I see the balance, recent transactions, payment owed, & option to make my payment. I never had any reason to even look at my actual printed statements until recently when I was trying to figure out the date of a past purchase. When I looked at the actual statement from several months ago I was shocked to see {$15.00} charge for card security. Checked all my statements from past year & found out I've been charged every month. When I called to complain they cancelled it, but would only refund last few months. I've been paying this for 5 years without even knowing. I DID NOT Agree to this! I feel like I was tricked into this & by signing up for e-statements just made it even easier for them to hide this charge. It's so easy to just log in and see recent transactions & make a payment you don't see any need to look at the statement, but that is the only place you will see the transaction for purchasing card security! It does not show up on the " recent transactions '' summary they show you on the website.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

BANK OF AMERICA continued to contact me without my consent in reference to the collection of an alleged debt obligation. The numerous harassing phone calls at inconvenient times continued even after I initially request that you cease all communication with me in reference to the collection of an alleged debt obligation on XX/XX/2021. 

BANK OF AMERICA further continued harassing me by contacting me without my consent via multiple emails with obscene and threatening language. Within these emails, you discriminated against me by denying me credit because I have in good faith exercised my rights. This behavior is unacceptable, unethical, and against the law.
Consumer complaint received 2019-08-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have contacted the original creditor XXXX XXXX XXXX per Equifax, the XXXX is XXXX XXXX   XXXX, The XXXX has furnished a letter to me, in turn I have furnished to Equifax during the dispute process, they letter categorically states XXXX has no application/ contract on file for the alleged account. 
Therefore this alleged account DOES NOT ARISE FROM A CONSUMER CONTRACT. 
Equifax is simply parroting its XXXX results as it has done in previous dispute regarding this account.
Consumer complaint received 2021-07-29
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. (MA)

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$220.00} or my account was charged off {$220.00} ] .This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I am retired XXXX XXXX and always but Honor, Respect, and Loyalty first. I did not think much of anything when I was receiving letters in the mail about a debt. When I looked into it I discovered the it was a debt that XXXX sold to Midland. I had taken a loan with XXXX in XXXX and have proof it had been paid off. I sent a copy to Midland Credit Credit Management and there response was it is a loan that was taken out in XXXX. I did not understand because my loan was XX/XX/XXXX and I received an original copy paid. Despite my plea they did not care. 

In XXXX they sent an order through XXXX  XXXX and tried to garnish, but to no avail. After I asked for a promissory note, something with my signature Midland could not, so they cause of action and moves Court to dismiss the case from my bank. But, what I did not know it was hanging out in the cloud somewhere. I sold my house and now it showed up again and the Title company is only following their protocol and held back some money. They informed to to write to CFPB to get help and have this company to stop harassing me. 
Once again, Midland Credit Management has not responded to proof of loan and have giving me the run around. I even had the Title company agent represent me and asked for information, but to no avail. The Title company agent tried calling several times like I did, but was given the run around. This debt does not show up on my credit. I've been able to refinance my home through HARP and by vehicles and get other loans with no problem. This has been a thorn in my side. I need Help.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

I want to know why my credit score will go up to the good range than fall back down.Ipay my bills on time iam not applying for no cards or credit so why or they taking my points away from me everytime i get in the good range i get knoted back i want to know why this is not right if this is the way it is i am going to Quite trying Thank You XXXX XXXX
Consumer complaint received 2019-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

I had $XXXX  in my account , I received 3 separate charges on my card For $XXXX , $XXXX , $XXXX & left me with a balance of XXXX Once I saw those charges I immediately disputed them & Made a report & requested a new card .Cash app said once they investigated in 10 days they would contact me. That was last Tuesday. I took the XXXX off. 2 days after I disputed those charges the same charges appeared again and it put my account into the negative of $-XXXX I have been contacting cash app support every since Monday & the cash support was not letting me submit my request finally the did. No one has even acknowledged I even contacted I have sent several emails and Today I received a notification from my bank stating that cash app had took $XXXX from my bank account and put it to my cash balance to leave it at $XXXXI am extremely UPSET AND OUTRAGED Because I have been charged 3 times for this same amount when I didn’t authorize the money in the first place. And it has put me in a bad situation. I need to speak with someone from cooperate. I need some money to contact me back to let me know what’s going on & when I will receive my money back.
Consumer complaint received 2021-07-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Fact, the origins of this Capital One account was open in connection with a consumer credit transaction on XX/XX/2018. This transaction involved XXXX XXXX XXXX. This transaction included a finance charge. This finance charge was in violation of 15 usc 1605. According to the law A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. XXXX XXXX XXXX in fact took cash as shown in attachment labelled as Exhibit B. 

Fact, the origin of this Capital One account was in connection with a consumer credit transaction that included a finance charge with XXXX XXXX XXXX. This consumer credit transaction was in violation of 15 usc 1605. ( a ) ( c ). This transaction included a finance charge, and according to the law the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. This contract did not include my insurance in my finance charge. The fact of no insurance is shown in Exhibit A and Exhibit B.
Consumer complaint received 2021-07-29
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: MoneyLion Inc. (TX)

A Moneylion account was opened under my name on XX/XX/2021 in the amount of {$1000.00}. This account was not opened by me, it has been affecting the closing of my first home. I have been trying to contact the fraud department of Moneylion multiple times and they always tell me that i will get a call back. Nothing has been done. This is a fraud account. They said that they would close this account which they never did and have been reporting late payments and this has been affecting my credit score greatly.
Consumer complaint received 2021-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote the three credit bureaus, XXXX, XXXX  and TransUnion onXX/XX/XXXX. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (MI)

This account is considered closed as of XX/XX/year> profit and loss written off for {$6000.00}. which now makes it income and according to 15 USC 1681 ( 2 ) ( a ) ( i ) no transaction or experiences can be reported.
Consumer complaint received 2021-07-29
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: Experian Information Solutions Inc. (NY)

I am contacting you today because I am a victim of Identity theft, my life is in a place where I never thought it would be. Recently I did not know about how to handle this fraudulent account with XXXX that someone frauded me out of for {$5000.00} with that company. The company then sold it to another company as a collection and they've been harassing me and my family, coming to my home and calling me nonstop. Now I contacted the original creditor and they fraudulently sold the debt without telling me or contacting me to let them know that the account was fraudulent or going to be sold. Now as a consumer with your company im suppose to be protected from all fraud that takes place. I am not asking, you must abide by the law and this account has to come off. According to the FCRA all fraudulent accounts must be removed within 4 days or you are in violation of the law. Ive read up on multiple sites that you guys try to go around the rule and verify that the debt is inaccurate, but all my information was stolen so ofcourse they will try to verify because they think its me. This is not my debt but I am suffering for it do not let XXXX XXXX lie to you and say that its me. Do not let the criminals get away with putting this debt on my name. I want justice for me and my family. Im attaching my FTC report, state id, Identity theft affidavit, and proof of my address.
Consumer complaint received 2021-07-29
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: Experian Information Solutions Inc. (FL)

The following account is a fraud account as I have never opened or used it : XXXX account ending XXXX The attached original XXXX XXXX statement shows Suite XXXX as part of my address, but I never lived in that suite and it doesnt match the correct suite XXXX showing on my credit report.Please delete asap.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CO)

We purchased an item through XXXX on XX/XX/XXXX. When we realized that we were deceived by the seller, we contacted CITI and filed a dispute with their department, case # XXXX. At that time we clearly informed CITI 's dispute dept. that we had the merchandize and that we would send it back to the seller if the seller pays for the return shipping cost. The seller refused to pay for the return shipping. CITI then reversed the charge of {$1700.00}. 

After over four months and many emails with CITI, on XX/XX/XXXX they informed us that they had reversed the credit because we were in possession of the merchandise, the fact which they were aware of when we filed our dispute on XX/XX/XXXX Their dispute department clearly did not read any of our responses and denied our dispute based on the fact that we had the merchandise, the info they were aware of on XX/XX/XXXX! 

We then followed up by filing a complaint with CITI 's Executive Office. However, we later received an automated email stating the same irrelevant reason for denying our request to reverse the charge. CITI 's Executive Office personnel paid no attention to our many emails to them and their dispute department and refused to reverse the charge of {$1700.00}, even after XXXX informed us that that option still existed for CITI to debit XXXX. 

Their first excuse was that the deadline to reverse the charges had passed. Then, they changed the excuse for not reversing the charge was because we still had the merchandise! 

CITI bank has failed to protect us, its customers, by their poor handling of our dispute and dragging the issue unnecessarily, and finally, denying our claim based on the information which was available to them over four months ago.
Consumer complaint received 2021-07-29
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (TX)

I am a Chase Bank client for more than 15 years. I applied for a credit card and immediately they run a hard inquiry on my credit report without having the documentation needed. Weeks later, I received a letter saying that they need more documentation to complete the application. To make sure, I went to a Chase Branch an a Chase '' s business specialist checked the documentation and sent it by fax to them. On XX/XX/XXXX, I received an email saying that the documentation they received were illegible and they sent me a link, so I sent the information again. This week, I spent 1 hour 45 minutes waiting for a customer service at the Lending Department, no answer. On Tuesday I waited for 2 hours 16 minutes and somebody answered but the communication went down. Today, XX/XX/XXXX I called at XXXX XXXX  somebody answered the call at XXXX at the Lending department and said that the documentation is there but has been transfer to the Senior Specialist Department and he transfer me there and they said that the application has been denied because the documentation was not enough. I accept the decision even when my credit score is over XXXX, it is their decision. I requested the hard inquiry to be removed from my credit report because they run my credit without having the documents complete for the application which It is completely unfair for the customers because the only reason I continue with the process it is because they run my credit report. They should run the credit report when they have the application and documentation complete it. The customer service told me on the phone that he will be transferring me with the person in charge of the inquiries reports but I have been transfer to started over with the general customer service and then I've been transfer 3 more times and at that time I gave up on my desire to ask for a fair customer treatment. 
Warm Regards, XXXX XXXX XXXX # ( XXXX ) XXXX
Consumer complaint received 2021-07-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am following up an ongoing dispute, Transunion response is that they are " unable to locate credit report ''. My consumer credit report is reporting negative items from Transunion. This dispute has been going on since XX/XX/2021, please have them remove the negative items.