davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

On XX/XX/year> I received a notification about a debt collection agency called Hunter Warfield flagging my account. The collection company paid for this alleged debt in my name and is reporting this account that is due to identity theft to all three credit bureaus. I never received a letter and phone call from this company about this alleged account. I did contact Hunter Warfield about this account and the person I spoke to gave me three different balance amounts, They did not have any of my information in their system correct at all. I explained to them that I did not authorize any accounts to be opened in my name and I want this alleged debt removed immediately. Upon doing research on the original credit company that sold the debt I found out that XXXX XXXX has had managers and salespeople that steal people information and steal money from renters.
Consumer complaint received 2024-08-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (OH)

I initiated a transaction on XX/XX/year>, for {$10000.00}. I received an email stating that it would be delivered by XX/XX/XXXX. However, when I contacted customer service on XX/XX/XXXX, they informed me it would be delivered by XX/XX/XXXX. On XX/XX/XXXX, the status in my app changed from " in progress '' to " completed, '' but the receiver still has not received the funds. Since then, I have been calling daily. Initially, they said the receiver 's bank might take XXXX days to process it. Now, they claim it has been delivered to the receiver 's bank account, but the funds are still missing. They are saying it could take another XXXX working days to resolve the issue and have offered to refund the transaction fee ( {$0.00} ) as a consolation. My receiver is in significant trouble and has missed their payment commitments from XX/XX/XXXX through today, XX/XX/XXXX. 

I also initiated another transaction for {$14000.00} on XX/XX/XXXX. They promised that this transaction would be completed by XX/XX/XXXX, but the receiver has still not received the funds. They send an email on XXXX saying your transaction is on hold please provide more receiver 's info. 

Please help, Western Union is holding money for more number of days then they promise by any reasons.
Consumer complaint received 2024-08-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Stark Collection Agency, Inc. (NM)

I opened my XXXX and noticed an email from XXXX XXXX. 
Reports through the three major credit bureaus XXXX, etc It states I have two deragotries.and one of these accounts it says The Stark Collection Age. 
This was opened in XXXX The amount is {$330.00} $ I have never took a loan with this company.i am XXXX XXXX Social security. 
I tried looking up a phone number for this outfit to get a hold of someone ..no phone number XXXX XXXX is taking points of my Credit number I don't know who this person is ..and never took an amount of {$330.00} Now this is on my credit report? 
It's a loan place to what I gather. 
And in XXXX I never took a loan out period. 
Yes this is effecting a credit score as in Now. 
So now I'm looking for a number on this business .or go through F.B.XXXX or any other? 
R Took screen shots of what I was reading from my email
Consumer complaint received 2024-08-17
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: CAINE & WEINER COMPANY, INC. (PA)

I'm writing to file a formal complaint against the Caine & Weiner, located at XXXX XXXX, CA XXXX. Account number is XXXX of {$5400.00} dollars I believe they have violated my rights under the fair Debt Collection Practices Act ( FDCPA ) and am requestioning that alleged debt be investigated and removed from my credit report. According to 15 U.S. Code 1692c, debt collectors are prohibited from communicating with consumers at times or places that know to be inconvenient including at a consumers place of employment if the debt collector aware that such communication are not allowed.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (IN)

I funded a high yield savings account on XX/XX/XXXX through BMO Alto. The amount I funded was {$5900.00}. I then about a week and a half later on XX/XX/XXXX tried to pull {$3000.00} back into my linked checking account for personal reasons. XXXX then froze my account because of potential fraud and I was prompted to reset my password to get back into the account. After resetting my password I was not allowed access back into my account. I was also prompted to provide documentation at this time to try and reverse the freeze but was not allowed back into my account to try to provide this documentation. I gave it some time to see if this was just a possible glitch and I could sign back in later. Then on XX/XX/XXXX I called customer service to try to get back into my account and they gave me the number to call the fraud department which was not open on the day. The following day on XX/XX/XXXX I get an email that my account is now closed. I call customer service back and they see that my account did in fact close and that I would see my funds transferred back into my linked checking account. It now becomes Friday XX/XX/XXXX and my funds had still not been transferred back to my personal checking account. I then call the fraud department and explain the situation and they tell me that I am no longer considered a customer with XXXX  and I would not have access to my money that was promised to be transferred back to me. They said if I think I need to be compensated that I should contact my bank that I used to fund the account to get any money back.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

I opened my citi bank account and i am student. I put all of my funds that i use to pay my bills and rent because i am currently studying. Today at XXXX XX/XX/year> at XXXX, i tried to log in my bank account but i was not able too because it kept showing me a random error that thier system experience delays. I called CITI BANK and they told me that they CLOSED MY ACCOUNT AND CAN NOT PROVIDE REASON FOR IT. They said they will give me check after of my funds after closing and it will take XXXX to XXXX  DAYS. I am a student and have bills and rent to pay and i have no money except my savings in citi bank which is not alot of money that they can't give me soon. That was my hard earned money and they have no rights to hold my money that i deposit. I MOVED FROM NEW XXXX TO GEORGIA STATE recently to study in XXXX XXXX XXXX. There is NO CITI BANK BRANCH IN XXXX XXXX WHERE I CAN GO FOR HELP. Please help me getting my funds back before end of this month so i can pay my bills, Other wise my credit score will get hurt and i will have to live on streets and have no food to eat. Please help me get my funds back before end of this month. PLEASE ITS URGENT AND IMPORTANT. My Biggest mistake that i trusted and used CITI BANK. WORST EXPERIENCE.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (OK)

I XXXX XXXX was trying to get credit established at a Bank the bank was the XXXX XXXX XXXX I also had tried another bank due to being turned down by XXXX XXXXk the other bank was called XXXX XXXX and was told by both the bankers that I have unpaid checks out for chexsystems from 2016 I was wondering how that can be because I'm XXXX XXXX XXXXXXXX this is XXXX XXXX I have no debt so that name must be frivolous or someone is acting as a fiduciary on this name I would like to file a complaint in a lawsuit due to fraudulent information being attached to my name from chexsystems
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (MS)

If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

The creditor of any account under an open end consumer credit plan shall transmit to the obligor, for each billing cycle at the end of which there is an outstanding balance in that account or with respect to which a finance charge is imposed, a statement setting forth each of the following items to the extent applicable : ( XXXX ) The outstanding balance in the account at the beginning of the statement period. 
( XXXX ) The amount and date of each extension of credit during the period, and a brief identification, on or accompanying the statement of each extension of credit in a form prescribed by the XXXX sufficient to enable the obligor either to identify the transaction or to relate it to copies of sales vouchers or similar instruments previously furnished, except that a creditors failure to disclose such information in accordance with this paragraph shall not be deemed a failure to comply with this part or this subchapter if ( A ) the creditor maintains procedures reasonably adapted to procure and provide such information, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title.
Consumer complaint received 2024-08-16
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: Experian Information Solutions Inc. (NC)

I noticed more than several different Inquires on my credit report concerning all three Credit Bureaus, Experian, XXXX, and XXXX. I did not authorize or have knowledge of submitting or applying for these companies. My information was stolen because of several different Data Breaches that have taken place that my information was housed at. These are the different Credit InquiresXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Each company is reporting a balance on a charge off account, a credit line, credit limit and listing the record as charge off month after month now going on years. It was charged off XXXX time, has no balance owed and listing a record month after month when your company does not even own it, is not just false, but misleading and illegal.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-26
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX  account # XXXX and XXXX  account # XXXX  .15 U.S.C. 1681 section 602 A. States i have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ID)

Last XX/XX/2024 I tried to contact Experian in reference to incorrect information on my credit report. I can't get through to do it online because they claim that they can't identify me. I have tried to call and the automated system saying that it can't identify me. Then it runs me through different options. Non of the options help and there is no option to speak to a person. There is a great deal of wrong information in my credit report but Experian has made it impossible to dispute it
Consumer complaint received 2024-08-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: M&T BANK CORPORATION (CT)

M and T bank has an auto dialer calling me at least once per day. It says ( I copy and pasted )... 

This is M & T Bank. Please return our call at XXXX at your earliest convenience. Again, the number is XXXX. 

I have called twice and asked them to stop. They have not done so and say there is nothing they can do. Today I got a call at XXXX and XXXX with a XXXX second message. It's is beyond harassment and they will not do anything to sop it. 

Can you help?
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (MD)

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

XXXX XXXX : # XXXX and # XXXX, XXXXXXXX XXXX XXXX # XXXX and # XXXX, XXXX : # XXXX, XXXX : # XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (GA)

XX/XX/year> XXXX Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. Debt validation includes the following : Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide documentation that demonstrates I am legally obligated to pay this debt. What was the original date of delinquency for this account? Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your receipt via certified mail, or a complete removal in writing of your claim from my credit profile. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also reserve my right to take private civil action against your company to recover damages. I hereby notify you that you do not have my consent to communicate with me through any means. Furthermore, I did not authorize you to obtain or possess my personal and private information. Any such actions constitute aggravated identity theft. Additionally, I did not authorize you to report my information or name to any consumer reporting agencies. Failure to comply with these directives will result in legal action. In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. A copy of this request for validation has been sent to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrently with your own.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

I received a notice dated XX/XX/2024. 
The Notice applies to my " Shop Your Way Mastercard '' account ending in XXXX. 

I am rejecting the changes to my account terms. The change is an increase in the Annual Percentage Rate for purchases, balance transfers, and cash advances to 34.24 % Since I am rejecting this change, my account will be closed. Consequently, I lose all earned " Shop Your Way '' points to my account! I request remittance of {$25.00} per point and offer an XXXX concerning this transaction. If not accepted, I request immediate remediation and arbitration concerning the loss of points over the forced closure of my account.
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

Commencing on or around XX/XX/2024, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Crypto.com 's services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in Crypto.com, which is a regulated company. 
I tried reaching Crypto.com multiple times, but all of my attempts fell on deaf ears and I have never received a resolution to my issue.