davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I filed my claim in XXXX, I ordered a new card to my home but I let them know I would be going to XXXX soon. The card didnt come by the time I had to leave to go to XXXX and I was expecting it to be there once I got back home on the XXXX in the mailbox so I didnt think too much of it. Fast forward to the XXXX I go XXXX XXXX XXXX and my phone and computer gets stolen so I immediately file a police report. And once I get home, I check the mailbox and my card isnt there. So Im waiting and waiting and still no card. And when I call and see if have a XXXX XXXX XXXX XXXX XXXX  I immediately get it sent so that I can pick it up. But I later found out that my claim had been approved and what I had been withdrawing was what was left on my card from the thieves stealing the rest. So I file another claim and it gets denied and come to find out, {$1000.00} was withdrawn from my acct in XXXX although I was clearly out of town and the rest was transferred to someones bank acct and I dont even have a bank acct! So I know there is no real investigation happening and something needs to be done. I need atm footage and to find out whos acct the money was transferred to because it wasnt mine. I want my money back. 

Claim # XXXX
Consumer complaint received 2024-08-23
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (IL)

In XX/XX/XXXX Jefferson Capital LL or Jefferson Capital System depending on the credit report used opened a collection account for the creditor XXXX. I have never to this day had any form of communication with the collector. I had medical debt when I was younger and a doctor informed me of the important of not having contact with collectors as that would allow the collector to reset the statue of limitations. This same collector has illegally reset the time as they are now reporting the account was opened in XX/XX/XXXX over a three year difference. This reset without any contact from my behalf is against FDCPA. I am asking this debt collector is investigated and my because of the clear violation of FDCPA that the debt be removed from my credit report altogether as this debt collector can not be trusted to follow regulations.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$85000.00} XXXX XXXX Balance : {$120000.00}
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (TX)

On XX/XX/XXXX, my card was charged {$130.00} by XXXX for a transaction that I did not make. I opened a dispute with US Bank, but they neither asked for any information nor provided any details about the transaction. Instead, they assumed that I made the purchase. I explicitly told them that I did not authorize this transaction, and they assured me that if it wasn't my charge, I wouldn't have to pay for it. However, they adjusted the payment and made me pay for it anyway. 

This is completely unacceptable and demonstrates incompetence on the part of US Bank. Please review this situation and help resolve it. It is unfair for a customer to be held responsible for a purchase they did not make.
Consumer complaint received 2024-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (CA)

My loan was with SLS Loan Number XXXX, and I had applied for a modification earlier this year and it was denied. I did Appeal the decision and they gave me Deed-in-Lieu approval which I did not want since I do want to keep our home.

I reapplied, during our review my loan was transferred to Shellpoint, Loan Number XXXX, and it was denied again, XX/XX/2024 for exceeding 25 % of our payment per conversation with Rep. & I did request the denial letter but never received via fax/email nor mail. So I did call again on XX/XX/2024 and this time the Rep told me that it was denied due to the sale date being put on, which I had just found out about for XX/XX/2024. 

Now I am confused since they are 2 different reasons and this new company did not even look at the file for review. And I still have not received any denial letter. 

I have sent in documents on XX/XX/2024 to open the review and to hold the sale date. I believe my income is enough and we can make the payments but we need help here, please
Consumer complaint received 2024-08-22
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. (NC)

I need your help regarding this incorrect account listed on my credit report. Ive brought this to your attention because its harming my reputation, and I need your support. Your poor management of my credit report has brought me significant trouble, and your inaccurate reporting has damaged my reputation. You need to correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

To whom it may concern : I am writing to formally dispute inaccurate information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681. Upon reviewing my credit report, I found the following inaccurate items, which I did not authorize or provide consent for reporting : 1. Incorrect Address : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX MN XXXX This address is incorrect and should be removed from my credit file as I have no connection to it XXXX. Unauthorized Accounts : XXXX XXXX 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 XXXXXXXX ) I did not provide written consent to these creditors to furnish or obtain my personal information, as required by law under 15 U.S.C 1681b. Therefore, I request that these accounts be removed from my credit report immediately.

Please investigate this matter and remove the inaccurate information within 30-day period as required by law. I expect to receive written confirmation once the requested corrections have been made.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (FL)

i have been disputing XXXX XXXX XXXX about reporting inaccurate information on my credit report and they still come back as verified. they are in violation of 15 usc 1681e ( b ), 15 usc 1681s-2 for not re-investigation of the inaccurate information. I am requesting deletion of this account from all 3 CRA 's or i will send this to my lawyer for arbitration.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (MN)

In XX/XX/2024 I signed up with XXXX XXXX  for a free trial. After a few days if I did not cancel I would be charged $ XXXX for XXXX months. I canceled with XXXX XXXX  in the time allowed. I never used or received any product from XXXX XXXX and I requested in writing to cancel. 
Affirm then said I owed the money. I replied to their emails saying this should be canceled but their address came back " no-reply. '' I attempted to find another email and phone number but nothing was included in any of the information. I then found where they said you could write to their office if you needed something. I then wrote a letter explaining and asking to cancel. No response was given. 
Since then I have received XXXX texts and emails from Affirm threatening me to pay them or they would report to the credit bureau. I replied to each text - Cancel, etc. Affirm then reported to the credit bureau I did not pay them. 
Again, I canceled in the right amount of time. Did not receive anything from XXXX XXXX - the loan for which Affirm says I am responsible. 
Affirm continues to harass me.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (NY)

I was visited at my house by XXXX, which is a home security system. The salesmen showed my the system and told me about the monthly monitoring service. He also showed my the equipment, HOWEVER, he never told me or even suggested that he was going to open up a credit card in my name, and I would've never authorized him to do so. I want the hard inquiry from Fortiva and the subsequent account removed from my credit, as I have NO KNOWLEDGE of this account, was never authorized by me, and I was thoroughly deceived by the salesman. Im trying to refinance my house, therefore, I would have even further said no about opening up this new card/ for a security system. It just doesnt make any sense. XXXX  practices is very deceiving and I feel that they took advantage of me because Im a XXXX  citizen. 

The inquiry is Fortive ; XX/XX/year> The credit card is too Fortive and has been subsequently maxed out by XXXX themselves again with no knowledge or approval from me.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. NORDSTROM/TD BANK USA XXXXXXXX
Consumer complaint received 2024-08-23
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: CITIBANK, N.A. (NC)

I have been disputing this particular card because it was fraudulently opened using my information. I was XXXX XXXX XXXX XXXX in a XXXX XXXX XXXXXXXX XXXX, during my time there this account was opened using my information. I did not authorized my information to be used, nor did i used this card for any purchases. They have not provided me with any of the information i have requested on multiple occasions. I have filed a police report and and FTC Report in regards to this identity theft matter, and sent copies of my documents to them on multiple ocassions
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

In late XX/XX/year>, I filed multiple disputes with my financial institution regarding fraudulent transactions on my card. Yet, on XX/XX/year>, I discovered that the institution had reversed all the disputed charges, even though they were unauthorized and fraudulent.
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY ()

I went to the US on a XXXXXXXX XXXX and opened an account at TD Bank. I went back to my country, closed my US phone number and left my money at TD Bank. Now they've locked me out of the account and I can not get access to it unless I go to a branch in person, which is impossible as I am from XXXX.
Consumer complaint received 2024-08-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I don't what happened that the company, Synchrony, cancelled four of my credits all mon the same day and all the time i have been making payments and had a good history and was in constant with representatives of the company and making follow-up payments, Never was there a break in communication and never did i receive a phone call from any representative from the company regarding delinquency or serious delinquency. Synchrony also cancelled my spouses lowe 's account and other accounts abruptly. 
I and my spouse believe that we have been targeted financially/economically by this institution. We are financially positioned to pay as required and do believe that we are targeted due to our race and our financial ability,
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX is not following the consumer law. They violated my Hippa rights and I didnt give them any written instructions to put my medical records on my credit report I have a right to privacy my medical records are personal.. please investigate and show me the file you have from my medical doctor. You are in several violation
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

On XX/XX/XXXX, I received a notification on my phone from USAA that I should contact their fraud department for suspicious activity. Upon reaching the department, I was notified of my clients expectations. I was also told that USAA would no longer offer banking services to me for an overdraft. 
On XX/XX/year>, I deposited a check from XXXX to USAA. This check of {$19000.00} was issued from my retirement account with XXXX to pay off a high-interest credit card. It was deposited on XX/XX/XXXX. I could use a portion of the funds immediately. However, I held off because it was stated that the remaining funds would be available in a few days. Within the month, I had made XXXX payment to XXXX of {$870.00} on XX/XX/year>. On XX/XX/year>, I paid XXXX {$17000.00} to repay the loan. My math calculation determined I would have about {$1000.00} left in my checking account after this payment. On XX/XX/XXXX, I received a phone notification and an email that my account had an overdraft charge. I could not reach out to USAA on this date because I was working, but when I checked on the app, I saw that there was no overdraft. The only information I saw was that my employer had paid me. On XX/XX/year>, I received another notification and sat to call USAA, where I was informed that I was - {$15000.00} due to a returned check and an overdraft for fees not available. The first person I spoke to, XXXX, stated that the bank had months to review a deposit, and the bank did not honor the check. 
I was advised to call XXXX and ask if they had pulled the check, to which I confirmed they did not. Another USAA representative could not tell me why the check was returned, except that it appeared that XXXX had not honored their payment with the check. Upon recalling XXXX, they stated the check was valid, provided a valid check, and confirmed that they would not pull a check. I called USAA a third time to convey this message, and it was offered to me that I could submit for a review on this situation. I have requested a secondary review from USAA. 
Based on my phone conversations with staff, there does not appear to be any communication between XXXX and myself. I have been provided vague answers from USAA and dismissed to present my situation to XXXX, who states that have nothing to do with the returned check.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Federal Credit Control, Inc. (FL)

I have requested Proper verification and validation to FFCC-CLVLAND Original creditor : XXXX XXXX XXXXXXXX this company has placed the account XXXX showing a amount owe of {$670.00} I have no knowledge of this account, I have disputed it multiple times and not documentation step by step validating this account has been provided. 

this account is affecting my credit report and as per the fair credit act I request a immidate removal from my XXXX credit report. 

Also XXXX fail to verify and validate this account as stated by the fair credit act.
Consumer complaint received 2024-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Next Financial Inc. dba Copper (NY)

Copper Banking unfairly shut down peoples accounts with little to no notice. They gave me XXXX days notice, I had XXXX dollars in my savings + checking account, and an additional XXXX dollars in investing. 
It takes XXXX  days to take money in and out of investing, I managed to transfer the {$1000.00} out of copper, and I began the transferring process for the {$400.00} in the investing. The XXXX days remaining go by, the {$400.00} is still stuck, my account gets shut down, and the XXXX dollars is lost for ever. 

On their website there is no way to talk with a real person. 

Copper banking is a faux and a scam.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (DE)

I have looked into this company with the XXXX It is over XXXX complaints over XXXX this year alone. LexisNexis. Most of the complaints have never gotten the information requested. Some have been denied the information. The XXXX appears to only send letters asking then to respond then it's closed with them. That's not good enough. I do not recognize these people as a Credit Reporting Agency that we are used to however it appears only insurance companies use it. There are not live representatives to talk about, only automated in which you have to give ALL YOUR PERSONAL INFORMATION. Name, address, ss #, DOB with a company that has invalid information and reporting it to insurance companies and one can only think that it is to XXXX up the insurance prices. I live in DE, I have family in FL and if this company is doing this to keep people from getting insurance or using it so that insurance companies can inflate insurance it's illegal. I have placed the complaint through XXXX but don't hold any hope of anything other than them sending a letter which appears to have done nothing. And I have also sent it to my state senator. This is another agency that should be looking into this company.
Consumer complaint received 2024-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Goal Structured Solutions, LLC (VA)

I have XXXX loans with XXXX XXXX, serviced by XXXX XXXX. I refinanced these loans through XXXX, serviced by XXXX. Loans were paid in full by XXXX on XX/XX/XXXX. These loans were overpaid by {$840.00} and {$630.00}, for a total of {$1400.00}. XXXX XXXX advised me that it usually takes XXXX days for my new lender/servicer to receive the refund check. After calling customer service on XX/XX/XXXX, I discovered that the " extract date '' of my refund was XX/XX/XXXX, and that it usually takes 30 days for checks to be cut and sent after the extract date. However, amounts over {$500.00} take additional time because they need to be individually reviewed. 

It is now XX/XX/XXXX and XXXX has not received the refund check. I have called customer service multiple times over the past few months. Some of the more recent calls to customer service include the following : XXXX - customer service advised that refund check should be going out the following week, provided ticket number XXXX, and agreed that I would get a call or email confirming when the check went out. XX/XX/XXXX - after not receiving a call or email, I called customer service and provided the ticket number, who indicated that they escalated the issue with the payment team and I could expect the check to be cut and sent by the following morning at the latest, and that I would receive a call or email confirming when it went out. XX/XX/XXXX - after not receiving a call or email, I called customer service, referenced the ticket number, and they could not provide an update. 

Given it has been over 90 days since I refinanced, I expect answers as to when my new lender/servicing company will receive my money. I also expect the XXXX to address the poor customer service I received and its lack of attention to communicated timelines.