davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (DC)

There are fraudulant charges on my Barclays Bank credit card from XXXX : XXXX XXXXthey were never charged by me or my familyBarclays bank claims that they will look into itthey never looked into it and wo n't credit my money backthis month a similar chage has comeI ca n't get my money back
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Tormey Bewley Corporation (NM)

Several attempts to contact the Advantage Group regarding alleged debt collection accounts which are appearing on my credit reports. All correspondence sent to Advantage Group is via US Certified Mail. Despite having received my correspondence this company fails to reply. Despite the collections accounts not being verified, I 've attempted to expedite deletion of these accounts by offering to settle. No response.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX store ran my credit in an error, credit request is in my report and I would like XXXX to remove this errors. E-mail below from XXXX states that the credit was ran in error but XXXX did not resolve this matter.
Consumer complaint received 2018-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I disputed this account with a collection company called XXXX. XXXX  via XXXX  and even through the cfpb site and the company couldn't provide original contract with signature nor prove account even belong to me.A copy of a bill is not a valid method of verification, so by law this account was deleted and this company AFni must have purchased a recycled debt but unfortunately this debt doesn't belong to me and must be deleted or I will seek my attorney from XXXX XXXX XXXX in XXXX FL for damages and defamation.
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I have just entered escrow to sell my home and discovered that XXXX has two illegitimate liens on my property. The credit card debt that the liens referred to is not mine. 
I have made several attempts to get XXXX to provide me with Release of Lien documents for me to provide to the title company, and they have not done so. Further, they have not responded to me regarding this issue or the supporting documents that I have provided. 

I am the sole owner of this property and debtor did not at the time, and does not now have an interest in the property. He did live at the property for a time, as he is my spouse. 

XXXX filed two separate judgments naming my spouse, one on XX/XX/XXXX for {$50000.00}, and another on XX/XX/XXXX for {$4400.00}. 

( also, both of these debts were filled into bankruptcy on XX/XX/XXXX, and discharged on XX/XX/XXXX )
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (IL)

I paid my final payment and asked for closure of the account on XX/XX/XXXX. I called the company on XX/XX/XXXX to make sure the card was closed and my money was returned to me. The customer service agent was rude and did not offer any information. I sent several message via the internet website for closure and return on my security deposit. No response. I contacted the company again on XX/XX/XXXX and XX/XX/XXXX for closure and return of my security deposit of {$300.00} to be sent to me. I have written 3 letters to the company asking for closure and return of my money. It does not take over 2 months to close an account and write me a check for my money. This company is committing fraud by stealing my deposit and not returning it to me immediately. I expect this company, bank and or credit card to return my deposit of {$300.00} to me immediately. I will file as many complaints as possible until everything is restored and all money plus interest is paid to me.
Consumer complaint received 2024-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (KY)

I took out a loan in the amount of {$800.00} and have made large payments per pay check in addition to an extra {$100.00} principal payment. When logging in today expecting to only owe approximately $ XXXX my pay off amount had increased to over {$1100.00}. They are scamming working people and prying on their money that is not affordable.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo does not deduct amounts such as presented checks, debits, withdrawals, their usurious fees, etc.., in the order they are made by the consumer. Therefore, their current balance given to consumer on bank by phone is incorrect, making it impossible to accurately balance one 's account and resulting in multiple XXXX fees that they also do not disclose in a timely or accurate manner, resulting in fees on top of fees. They will also " bounce '' the same check as many times as it is presented, collecting XXXX each time! Ridiculous practice. Once a check is returned for " insufficient funds '' that should be it. But not with Wells Fargo. They will pay things out of order so they CAN " bounce '' and collect their fees. If you call to talk about it they act as if the consumer doesnt know how to balance their checking account. It took me a year to figure this out. I have paid hundreds in unnecessary fees. They are despicable!
Consumer complaint received 2019-05-21
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 have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. I information has been compromised from someone. 


1 ) XXXX XXXX XXXX Opened- XX/XX/XXXX ( 4 yrs, 6 mos ) - amount {$1400.00} 2 ) XXXX XXXX opened- XX/XX/XXXX ( 2 yrs, 5 mos ) amount- {$660.00}
Consumer complaint received 2022-12-27
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602A. states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (MA)

my friend has been sending me {$2000.00} from his bank ( chase ) by using XXXX  to my bank ( chase ) on XX/XX/year>. But I still didn't receive the {$2000.00} until today. I'm pretty sure the bank account and name is correct and it won't be sending to anyone else. So the problem is, the money is gone, I don't know where the money went to. My friend already sent, the money is sending out, but I didn't get the money.
Consumer complaint received 2018-10-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

I was sent XXXXEuros to my Paypal account. I logged into Paypal to receive it. Once I clicked " accept '', the webpage showed me three options, one of which was to convert the money to {$33.00} and some cents. I Googled " XXXX Euros '' and it reported that amount to be worth about {$34.00}. I thought the cost ( $ XXXX {$33.00}?? ) to be reasonable and so I selected this option ( the date was XX/XX/18 ). I then saw a webpage that said the transaction was complete and it provided a link to " transaction details. '' It was only then, that I saw some details that indicated that I was only receiving less than the {$33.00} that I had been promised.
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (AZ)

I had an 18 month promotional offer with XXXX for same as cash financing. Apparently, the offer ended on XX/XX/XXXX of which I was not notified by email or mail. I was assessed finance charges in the amount of {$1700.00}. I have paid my account on time during those 18 months. I called to dispute charges however, they said there was nothing they could do and I had no options. I told them I wanted to pay off my balance with the closing of my house on XX/XX/XXXX. They said I would have to pay my balance of {$2900.00} as well as the interest charged of {$1700.00}.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and XXXX returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance.

Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my XXXX statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to XXXX. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account.

Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XXXX which means all of the reporting after XXXX with the inaccurate balances was based off of inaccurate information from XXXX. An intentional effort to report false information and a clear example of XXXX failing to abide by the FCRA rules.

Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).
Consumer complaint received 2018-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

Property damage loss occurred on XX/XX/18. I paid {$6300.00} on XX/XX/18 for a plumbing repair caused by a covered peril ( lightning ). I received the settlement letter from XXXX  dated XX/XX/18 and received my check on XX/XX/18 payable to me and Suntrust Mortgage. Per Suntrust procedures I had to endorse the check and send to them along with the 16 page adjuster worksheet, I received my endorsed check back from Suntrust on XX/XX/18.

I called my insurance company ( XX/XX/XXXX ) and asked why the plumbing was not included in the initial settlement when the loss was caused by a covered peril - the claims adjuster made the correction and issued a supplement to the settlement and I received the reimbursement check sometime during the week of XX/XX/18. It was made payable to me and SunTrust Mortgage.

The manager at my local Suntrust branch told me to follow the same procedures as the first check - I endorsed and sent via XXXX to Suntrust on XX/XX/XXXX along with my proposal dated XX/XX/XXXX and invoice dated XX/XX/18 from XXXX XXXX. I was expecting to receive my endorsed reimbursement check back from Suntrust by XX/XX/18. I called them on XX/XX/XXXX to get a status and was told they were holding my check because apparently it was not clear the invoice was paid in full so I submitted my paid receipt and a copy of my credit card statement showing the charge made on XX/XX/18.

On XX/XX/18 Suntrust has cashed my reimbursement check and is holding my money and a check will be made payable to me and my contractor. I received a letter requesting a revised adjuster worksheet, contractor proposal, contractor waiver of lein and contractor W9. There is no revised adjuster worksheet, I have already submitted the contractor proposal plus my invoice and paid receipt. I called XXXX XXXX XXXX to get the lein statement and w9 - the job is done, and paid in full by me on XX/XX/18, and they have no need to get involved at this point.

On XX/XX/18 my claims adjuster submitted a letter to Suntrust on company letterhead stating the check issued on XX/XX/18 in the amount of {$4300.00} was intended to be a reimbursement to me for a repair paid in full by me. XX/XX/18 Suntrust acknowledged receipt and continues to refuse to release my money.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I have a Checking Account at Chase Bank. I was writing out bills in the beginning of XXXX and looked at my statement ( which I usually don't look at, I know that is wrong ) and I found that I had no money in the account. I had approximately {$13000.00} in there prior to this discovery. I went to my branch to investigate and they found that someone had made withdrawals starting in XX/XX/2018. Most of the withdrawals were done in the month of XXXX. Chase said they had footage of someone going to various branches and using a withdrawal slip and a fake drivers license. The License number was incorrect. They established that I had nothing to do with this fraud. After an investigation of approximately two ( 2 ) weeks, I received a letter saying that there was too much time elapsed and they could not give me any of my money back. Before I get a lawyer I wanted to see if your organization can check this. I was told by a lawyer that there is not a time frame and Chase told me there was a time frame of 60 days. That being said, the dates in XXXX of these bogus withdrawals, was less than 60 days so I don't understand why they are doing this. This is a lot of money and I will get a lawyer if I have to but if you can help me I would appreciate it.
Consumer complaint received 2023-10-12
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: EQUIFAX, INC. (TN)

I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. 

See below : XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2018-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

On or about XX/XX/2018 I changed the terms of my loan repayment ( I made it such that I was able to keep making payments at around {$120.00} for the next two years as I had been doing already rather than having the payments increase ). Since then, Navient has called and emailed me constantly telling me my loan is due. I make my payments timely ( they are automatic ). I've made 3-4 requests to the company to opt out of communications but they ignore my requests. I feel this is harassment to continuously contact me when I am already making timely payments. The dates Navient has contacted me include : early-XX/XX/2018 - via phone : automated recording ( I have an " important message regarding my loan ''. When I called Navient told me I had an upcoming payment. My payments are due on the XXXX of every month ).

XX/XX/18 - via email - " We haven't received your loan payment - please make it soon '' ( again, my payments are due on the XXXX of every month ).

XX/XX/18 - via email. " Thank you for your payment, it posted to your account. Amount is {$120.00}. '' XX/XX/18 - via email. " Your student loan payment is due. Your last payment was made on XX/XX/18. We're sending you this payment reminder. '' I called Navient in or around late XX/XX/XXXX requesting to opt out of all communications. I spoke with a woman who told me that I wouldn't receive any further communications.

XX/XX/18 - via email. " We haven't received your loan payment - please make it soon. '' The email explains ways that I can pay.

XX/XX/18 via phone : automated recording ( I have " important message regarding my loan ''. When I called in a male rep told me I had an upcoming payment. When I asked to speak to a supervisor I was on hold for 30 minutes, got hung up on and no supervisor ever came.

XX/XX/18 - via email - " We've sent you information about your loans that are past due. '' XX/XX/18 - via email - " Thank you for your payment. Date posted XX/XX/18, {$120.00} ''.

XX/XX/18 via email - " Your student loan payment is due. Your last payment was made on XX/XX/18.

XX/XX/18 - We haven't received your loan payment, please make it soon. '' XX/XX/18 - Called Navient and spoke with a male customer service rep. He confirmed my account is current and not overdue. I told him about these issues and he advised he is taking me off the email and phone lists. It wasn't done before.

I want to ensure moving forward Navient actually removes me from their lists and I won't be harassed by Navient in the future for payments on my account since my account is current.

Thank you for your help.
Consumer complaint received 2018-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc. (DE)

I moved out of XXXX XXXX XXXX ( XXXX : XXXX XXXX ) in early XXXX, 2015. On the Move Out Statement received from landlord after I had moved out, I was charged an additional {$1000.00} full rent for XXXX, when I only remained a few days, and should have been charged a pro-rated amount. They also charged me for a full month of XXXX rent. Additionally, I did not have a current lease in place ( renting month to month since last lease was never renewed ) but was charged a {$1000.00} Rent/Lease Break fee. A lawyer even suggested I take the landlord to court because I paid my rent despite the sub-standard conditions of the apartment, including lack of air conditioning and basic heat. They claim I owe {$3000.00}. I have disputed this amount several times, with no satisfactory response. They also kept all of my security deposit of ( {$1400.00} ) and pet deposit money. This should have been more than enough to cover the pro-rated rent for XXXX. 

Delaware 's Attorney General XXXX XXXX filed a litigation against the landlord alleging violations of the Consumer Fraud Act. Tenants reported numerous complaints of heating and air conditioning problems, broken appliances, plumbing issues and lack of response to maintenance calls. Images of the inside of my apartment are attached to show you what I'm talking about.
Consumer complaint received 2018-10-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (AZ)

Attention : Please include this along with complaint ( XXXX XXXX Ford Motor Company.

On my last attempt to resolve this ( please provide me with the audio recording ) I contacted Ford Motor Credit on approximately XXXX. 

Ford Credit repeatedly criticized me for utilizing Ford Roadside ans continued to blame me stating : " why didn't you call your insurance to tow? We don't do that type of towing so Ford is not liable. Next time call your insurance. '' This is a true testament as to how Ford Motor Credit abuses its customer 's. Because I am XXXX they bleieve its easier to just conduct themselves unprofessionally, unethically, and down right illegal. I am sure there are law in place protecting special populations such as those with XXXX like myself.
Consumer complaint received 2020-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

On XX/XX/2020 my cashapp account was frozen due to " unusual activity ''. This happened just as I tried to send some money to another user. I immediately emailed support to have my account unlocked and have emailed daily since then it is now the XXXX of XXXX and no response. I also attempted to call the cashapp customer service number but can not contact a real person at that number. The automated message just directs me to send an email through the app which is what I have done daily since it was locked. My account has just over 2,000 dollars In it and it is vital to my financial wellbeing that I am able to access these funds.
Consumer complaint received 2016-03-31
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

on XXXX XXXX 2015 and letter was sent out from XXXX about a debt with capital one they said i owe, i received the paperwork around XXXX XXXX 2015 i did reply to say that the debt was paid for in bankruptcy ..but i never heard any thing else from them, they did n't say well ok or anything they just tryed to sever me in XXXX with paper work but i was never home, not until XXXX this year that had tacted on my door..and i found out they been trying to serve me since last XXXX, so they did try to validate the debt, from the paper work they serve me with, they had already got and affidavit sign on XXXX XXXX 2015 from the time they sent me the letter that i got XXXX XXXX, then i had to response back to them, they did n't even take 30 days to validate the debt i wounded had until the XXXX to response, had i not, but i did response right back and they ignore my letter, and i thought they where to stop collecting until they validate the date and send me some kind of correspondence, in stead they where getting affidavit to attached to the court papers, i never heard back from them, then i asked where they debt collector when i was in court last week, they said they where employee by capital one, but i said the paper work said you are debt collector attempting to collect a debt, they are lying about there identity i hope you can help me get to the bottom of this