davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I sent money to this young lady for service to do my hair. I never received the service. It turned out to be a scam because she blocked me after the money was sent to her. My bank declined the transaction for the larger amount of money. They sent XXXX back to be.on XX/XX/XXXX they well be taking XXXX and XXXX back out of my account because they dont approve it. They only approve the XXXX and XXXX. They told me to contact the person I sent the money to but how can I contact a scammer.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

XX/XX/2021 Synchrony Bank blatantly closed all Store and General Purpose Visa & Mastercard Accounts with them when I Refinanced a mortgage and Paid 5 of the credit cards with Synchrony down to less than 1 %. I have never been late with any payment and all account are even set up on automatic recurring payments. I refinanced a mortgage and paid off some credit card debt. So my debt to income was actually lower for my new mortgage payment would be lower. 

The same time they closed all accounts they received over XXXX XXXX dollars in payments for accounts ( XXXX XXXX, XXXX and XXXX ). 

The mortgage with XXXX for XXXX had been paid off in full which was a monthly payment of {$890.00}. It was replaced with a mortgage of XXXX with a monthly payment of {$660.00}. 

Again XXXX had not update my report so both mortgage were being shown, I informed Synchrony of this to no avail.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (TN)

I received an email about a credit card that I never applied for or received. I called the company twice and was just put on hold. It says I opened the account in XXXX of 2020 and the XXXX $ balance is a card fee.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (MI)

XXXX XXXX referred a debt of {$61.00} to a collection agency without notifying me that the debt was ever owed. I logged into my XXXX account via their website and at no time or do this day does it suggest I owed any money. It displayed a XXXX dollar balance. They referred this to a collection agency which never contact me about it either. Collection agency : XXXX XXXX XXXX -XXXX FL XXXX reported this as a collection account for 6 months ( starting XXXX ) to all the credit bureaus without contacting me regarding this apparent debt that I was not aware existed. Negative financial and career impacts from having negative informaiton on an otherwise clean credit history is significant. This item needs to be deleted from all three credit reports as many laws were broken regarding notification of debt and also notification of collection account.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (FL)

This company reported several accounts on my credit file that are unknown, I requested validation and they were ALL removed and now they are back. Please help nothing was received nor provided. This is false information against me. 

Listing show Fox Collection {$450.00} Fox Collection {$370.00}
Consumer complaint received 2021-03-06
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. (MA)

I want a removal of a credit remark. This remark is due to a late payment, that had occurreddue to changing of online payment XXXX XXXX XXXX 
 Under the Fair Debt Collection Protection Act, I have the right to request that incorrect and unverified information be removed from my credit file. XXXX XXXX moved their auto loan payment system from XXXX  to XXXX. I was under the expectation that it would be a seamless transition, as told to me by phone call to XXXX XXXX customer care. Instead I realized I had to set up a new account on a different website. This is due to XXXX XXXX error. Had perfect payment history with XXXX XXXX before and after this. I have underlying causes and have been limited during covid 19. 

I was making payments on the XXXX XXXX XXXX XXXX site until XX/XX/2020 when then found out it was no longer accessible, but by then it was too late. 

I have had perfect payment history aside from the late payment in XX/XX/2020 The customer service is horrible. I call up and feel like I am being berated by this company and they are mistreating me because of my ethnicity. I need this removed immediately or I will escalate.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Synovus Bank (AR)

BECAUSE OF THE NATIONAL EMERGENCY COVID-19 I AM REQUESTING XXXX XXXX XXXX XXXX XXXX ETC..TO CANCEL BOTH CARDS FURNISH XXXX TO THE IIRS.
Consumer complaint received 2021-03-05
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: Resurgent Capital Services L.P. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Resurgent/LVNV Funding, XXXX, and XXXX. The Account Opened is Resurgent/LVNV Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-03-06
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. (CA)

I have reached out to Equifax and XXXX  twice to remove fraudulent activity reporting on my credit. They haven't done an investigation. They keep providing a generic statement that they falsely claimed is verified.
Consumer complaint received 2021-03-06
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: LoanCare, LLC (MD)

Have automatic payment on my mortgage. They did not take it out in XXXX and they should have. They admitted it was there fault. /they were going to send me a letter saying this.and they never did..
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I received a copy of my credit report and found the following item to be in error. 

XXXX XXXX XXXX Collection account {$700.00} past due XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 USC sec 1681i ( a ) you must complete this investigation within 30 days of the receipt of this letter.
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (NM)

Kraken Crypto currency Trading Co.

I opened an account with Kraken. Kraken web site kraken.com requires you to make a bank wire transfer to one of their company banks. XX/XX/2021 at my request my bank wired {$1700.00} to a XXXX account with XXXX XXXX. My bank emailed me the transfer was completed. No funds have been registered in my XXXX account. The only way to contact XXXX for help is through their email support system. I have emailed them 4 times, I only receive a generic response, We will contact you soon. 
I researched on line about Kraken Scam. There are XXXX of complaints from customers all over the US and world about Kraken Scam.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (VA)

I called Care Credit by synchrony bank. I called in because I have a STELLAR payment history. I ran into an issue this month and called in to get relief for one month to get my account updated. I spoke with a very rude rep who said her name is XXXX and her manager is XXXX. When I asked for help with late fees and payment she told me my ONLY OPTION IS TO CLOSE MY ACCOUNT. She did not offer anything else except to close my account. I am absolutely shocked that synchrony bank would treat their good customers in that way. I have a perfect payment history and just ran into an unexpected expense and XXXX said there is no options for clients. If I do take one option that they offer, my account will be closed. This does not see right that a big company does not offer one month of help. I want the CFPB to know what they are doing. They threaten and do not offer any type of relief even for a month
Consumer complaint received 2021-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

Wake field and Ass. sent text ab out debt Icalled them XXXX. They checked to see if I had an account with them. I Did not. I gave them personal info. They said no account. I called to make sure all iwas ok. They said I owed {$1100.00} to XXXX XXXX XXXX XXXX XXXX. They said I could dispute it. I asked fir debt validation, they ignored me. I called them back and explaned this was not me. They said they made a mistake.I called back to make sure all was over. They brought up the debt owed again. I said this was not me and they said sorry. I do not trust them in what.they told me, that it is over. Now worried I will get a letter of this debt. Will call layer
Consumer complaint received 2021-03-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Revolut Technologies Inc. (CA)

I have several transactions refunded by the merchant. They say they have not received the refund. I have provided screenshot and proof or refund. I asked them to dispute the transactions as refund not received. They won't do it. Their customer care representatives are every arrogant. They don't listen or refuse to escalate the issue. I have XXXX $ of funds they're holding up and not releasing to me. 

There is no response for complaint registered with them on XX/XX/XXXX.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2021-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

I contacted Loan Depot by phone on XXXX to question interest adjustment based on early payments. 

Only first names are provided by representatives. I spoke with XXXX and was told that someone would call me regarding my concerns. 

I heard nothing back & on XXXX I tried again and after waiting for some time the call was dropped. I was unable to try again as I have to make contact before work. 

On XXXX I called again & again after a wait of over 15 minutes my call was dropped. I did call again and finally reached XXXX ( a? ). I explained the promise of a follow up to my concerns by Loan Depot back on XXXX & that I had not received a call or email. I also told her of the dropped calls issue. She was able to get her supervisor XXXX XXXX to look at my file. She also apologized for the difficulty I had experienced. She told me that her supervisor would look at this immediately. He did. 
I was told that XXXX XXXX reviewed my file & that I had been credited properly. I was not given the opportunity to speak to XXXX XXXX directly. 

I put to together an excel spread sheet so that I could track my concerns with anyone at Loan Depot. I called again on XXXX. I asked for XXXX XXXX but was told that he would not be available for a couple of hours. I spoke with XXXX who told me that she would submit a research request. About a hour later a phone message was left by XXXX XXXX telling me that the additional payments that I had made were applied to principal balance and that I could call back if I had ay other questions. 

I called back 25 minutes later. I was able to speak with XXXX ( not XXXX XXXX ). 
I explained that I need to talk with someone who could review this with me and resolve interest calculation and proper application of funds to principal. He told me that there was no one that does this. I told him that this made no sense and that the only alternative that I was left with was to file a complaint with the Consumer Financial Protection Bureau. He said that he hoped that I wouldn't do that. I asked if there was someone else I could speak with to resolve my concerns and was told no.
Consumer complaint received 2021-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (FL)

I have had a loan with Best Egg for 14 months. Every month I have paid interest between $ XXXX. Suddenly, this month, they are demanding to apply approx. {$XXXX} toward interest and {$XXXX} ( more or less ) toward the balance. When I ask for an explanation or reconsideration I get nothing. I have paid off thousands toward the balance of this loan. My interest should be going down, not up. This company should be held responsible for stealing from their customers.
Consumer complaint received 2021-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My complaint is with Bank of America I am on unemployment and filed my weekly claim it takes two business days to receive your funds on the day to use the funds I did so and after purchasing a few items that morning of they froze my account and asked if I had valid verification of whom I am I repeatedly let them know due to Covid-19 all of the state of New Jersey Department of Motor Vehicles where close and that once they are due to open you have to make an appointment and appointment was months down the line due to COVID-19 I am very disappointed at the fact that they know it isnt possible to do so right now I am convinced that this is an fraudulent practice of there institute
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

I received a letter from CCS USA. dated XX/XX/21 accusing me of owing them {$200.00}. They purchase the debt from XXXX XXXX XXXX. I do not know these companies and never signed a contract or did business with them. I contacted CCS. they have no permissible purpose according to the FDCPA AND FCRA THE PRIVACY ACT as well. They can not sell or buy debts. I have to have had a contract with my signature as proof. CCS is a? 3rd party collector to a debt that is not owed. As solution i want the harrassment to stop from them in this pandemic. I already contacted XXXX the so called original debtor to rectify this situation. It's my right. As a vulture company Ccs is officially advised to not further pursue this FRIVOLOUS claim. Im ready and willing to use resources set fourth by the FCRA FULLY.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (CA)

I am very upset with Barclays Bank Delaware 's actions. They have a mess in their reporting. They don't even know what is happening in the account, but I will explain what is happening : Barclays is reporting discrepancies across bureaus, they have failed to investigate my case or contact me to clarify my doubts after I called and emailed many times to their customer service department. 

This is how they have been changing their reporting : XXXX  : XX/XX/XXXX report : Late payment reported in XX/XX/XXXX. 
XX/XX/XXXX report : Late payment reported in XX/XX/XXXX Now : Corrected, which is what I am asking for. 

XXXX  : XX/XX/XXXX report : Late payment reported in XX/XX/XXXX XX/XX/XXXX report : Late payments reported in XXXX, XX/XX/XXXX Now : Late payment reported in XX/XX/XXXX The account is the following : Barcalys credit card : XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, limit {$17000.00}. 

I have been through a really hard situation. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc ). My credit sore has dropped due to all the crazy changes that Barclays has been doing on this account. All I am asking is to get the late payment that is reported in XX/XX/XXXX in XXXX to be corrected, I demand no late payments to be reported in this account or to get the entire account removed from all three credit bureaus. I already have sent letters to Barclays and they didn't even mark the account as disputed.

Please send the attach proof to Barclays. 

Thank you.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We received conditional approval for a mortgage for a second home in XXXX Tx on XX/XX/2021 for the amount of {$250000.00}. Since then we have completed and submitted all of the required forms and information and just pending an appraisal in order to close. As of XX/XX/XXXX ( original closing date ), Bank of America has yet to secure an appraisal nor can they communicate when they would be able to. 

This has effectively put the entire transaction on hold while rates continue to climb. It's hard to imagine why Bank of America is unable to complete this basic step needed to close this deal.

My loan officer is XXXX XXXX, NMLS # XXXX XXXX, extXXXX I'm not sure if there is anything you can do but would appreciate any help with this matter that you could provide. 

Thank you and please let me know if you have any questions and/or comments
Consumer complaint received 2021-03-04
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. (GA)

I sent certified letters in to all 3 bureaus beginning on XX/XX/2021 requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well and I have yet to hear anything back from them and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXXXXXX XXXX XXXXXXXX ( late payments ) 2. US DEPT OF EDUCATION {$64000.00} ( student loan ) 3. XXXX ( inquiry ) 4. XXXX XXXX  XXXX A {$1200.00} ( charge off ) 5. XXXX XXXX {$1900.00} ( chargeoff ) 6. XXXX XXXX {$1000.00} and {$1000.00} ( collection ) 7. XXXX XXXX XXXX {$1900.00} ( collection ) 8. XXXX XXXX XXXX XXXX ( student loan ) 9. XXXX ( inquiry ) 10. XXXX ( inquiry ) 11. XXXXXXXX XXXX  ( inquiry )
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA. USAA has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and ( 2 ) Affidavits of Truth to USAA as they have violated me as a Federally Protected Consumer. Most recently, I have mailed them a Notice of Default and Opportunity to Cure. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached
Consumer complaint received 2021-03-05
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: Colony Brands, Inc. (NC)

I have disputed charge with XX/XX/XXXXseveral times, alerting that the account does not belong to me, within 5 hours the credit bureau states the account was verified by creditor. I contacted the creditor directly, spoke with Ms XXXX XXXX, agent states the wrong address and could not pull any shipment information. I don't understand why the creditor is reporting fraudulent information.