davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (SC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX during the covered period.
Consumer complaint received 2024-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

I have contacted Ability Recovery Services numerous times without success, as the phone simply rings with no answer. Additionally, I sent a letter requesting debt validation and further information on XX/XX/year> XX/XX/year>. I never received a debt notice or the right to dispute it. This company is not adhering to the FDCPA regulations. I am documenting everything meticulously in case my consumer attorney needs to initiate litigation. Your fraudulent verification of an unknown medical account on my credit report This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act, I have the right to request a validation of the debt that you allege I owe. I am hereby formally requesting proof that I am indeed the correct party responsible to pay this debt and there is a contractual obligation which binds me to pay this debt. 

Please furnish legible copies of the following : XXXX. Formal agreement between you and your client that identifies that you have the authority to collect this alleged debt or proof of acquisition by purchase or assignment of this alleged debt. 

XXXX. Agreement that bears my signature wherein I agreed to pay the health care provider along with the required XXXX authorization. 

XXXX. Be advised that this letter is a formal dispute and a demand that all collection activities cease and desist. Collection activities include verifying and/or reporting of this account as per the federal trade commission XXXX XXXX Compliance with the terms and conditions of this letter within 30 days is expected or supply me with a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities , the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as being subject to the XXXX and Texas medical privacy rules XXXX I also hereby reserve the right to pursue civil action to recover damages.
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IL)

Found my credit score has gone down ( now by XXXX points ) as Chase Bank issued a credit card under my old name ( name changed when I married 23 years ago. This person had my old name, my old phone number, and used my social security number. 

I discovered the information while Chase was in the process of sending this unknown person a credit card under my old name, but my current address.
Consumer complaint received 2024-09-22
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (VA)

To Whom It May Concern, I am writing to file a formal complaint regarding a Western Union money order I purchased on XXXX XXXX XXXX in the amount of {$500.00}. After misplacing the money order and later finding it, I discovered that I could not cash it because it had been altered. I then initiated the refund process, followed all required steps, and was informed that a refund would be issued after 30 days, provided the money order had not been negotiated. 

That 30-day window has long since passed, yet I still have not received my refund. Despite repeated follow-ups, Western Union has failed to reissue my money. I have been told multiple times that the refund is " in process '' and could take an additional 15 days or more. Meanwhile, they continue to hold {$500.00} of my money, and I was charged a {$15.00} fee for the refund process.

The delay and lack of transparency in handling this matter is extremely frustrating. I have been given no clear resolution, and the outsourced customer service provides no help beyond reiterating that the refund is still processing.

I believe this situation reflects poorly on Western Unions practices, and I am deeply concerned about how others, particularly seniors, low-income individuals, and those relying on timely payments to meet their obligations, are being treated. This experience has been a nightmare, and I will never use Western Union again.

I request that my refund be expedited immediately. For reference, the tracking number for my money order is XXXX, and the date of purchase was XXXX XXXX XXXX 

Sincerely, XXXXXXXX XXXX
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Unifin Inc. (SC)

I receive calls from this company asking me to verify my personal information so that they can talk to me, yet they will only provide the name of their company ( Unifin ) but no debt information such as dates, amount owed or whose name is listed. They have also contact several family members of mine concerning what seems to be a debt owed by me after they have been continuously asked not to call.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

I've mailed and called LVNV Funding about this account and asked for verification and validation because I do not have a contract with this company and do no owe them. I informed them of identity theft issues, but to no avail and valid responses. 
LVNV Funding LLC ( Resurgent ) @ XXXX, Acct # XXXX
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC (FL)

ccount info Account name XXXX XXXX XXXX LL Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$420.00} as of XX/XX/XXXX Monthly payment - Original balance {$420.00} Highest balance - Terms 1 Months Payment history XXXX This company bought a debt from a credit card company I never signed anything with them giving them the right to create this account. It is listed as a collection even after I paid it in full, it shows up as negative item on my credit report. They bought the debt but it is fraud to open up a new account to the company who bought a debt without my permission and created an account under there letter head without my permission, I have asked them to correct it they refuse
Consumer complaint received 2024-09-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP (CT)

Good evening. Unfortunately, I feel harmed by the Honda financial XXXX  for not being clear and professional when I traded my car. I traded a XXXX XXXX XXXX for a XXXX XXXX XXXX. However, a negotiation was made that added a lot of interest or something like that to my financing. The total financed was {$65000.00} with XXXX  monthly installments of {$980.00}. I have already paid XXXX  monthly installments totaling {$22000.00} and I still have to pay XXXX  monthly installments of {$980.00}, giving a total of {$60000.00}. XXXX. being that the market value of the car is between {$25.00} XXXX to {$29.00} XXXX. I ask you to please help me with this situation because I don't know what to do and I'm no longer able to pay this amount. I bought it in 2022 and it's financed until 2029 Please Help me! Thanks God Bless you
Consumer complaint received 2024-09-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TX)

Subject : Debt Collection Activity Related to Identity Theft Company Involved : Bank of New York Mellon XXXX Mortgage, XXXX Description of the Complaint : I am filing a complaint against the Bank of New York Mellon for pursuing debt collection activities related to an XXXX loan that was fraudulently created in my name without my permission. This loan, numbered XXXX, was initiated by XXXX Mortgage, XXXX, acting as an agent for Bank of New York Mellon, on XX/XX/XXXX. 

Details of the Incident : Identity Theft : The XXXX  loan mentioned above was established using my personal information without my consent. I did not apply for or authorize this loan, which constitutes identity theft. 

Foreclosure Attempt : Bank of New York Mellon and XXXX Mortgage, XXXX attempted to foreclose on my XXXX using this fraudulent loan. This action was taken despite the fact that I had no legitimate connection to the loan. 

Credit Report Discrepancy : In XXXX, the fraudulent loan was removed from my credit report as a result of being identified as a fraudulent account. Despite this, I continue to face debt collection activities from Bank of New York Mellon related to this loan, which I believe is illegal and unjust. 

Lack of Resolution : I have attempted to resolve this matter directly with the Bank of New York Mellon but have received no adequate response. Their continued pursuit of debt collection regarding this fraudulent loan is causing me significant distress. 

Requested Resolution : I urge the CFPB to investigate this matter thoroughly. I request that the Bank of New York Mellon cease all debt collection activities related to the fraudulent XXXX  loan in question. Additionally, I ask for assistance in ensuring that my rights as a consumer are upheld, and that any necessary corrective measures are taken to prevent further harassment..
Consumer complaint received 2024-09-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

We leased a property in XXXX XXXX  from XXXX XXXX. Due to many maintenance issues the property offered to allow us to move out. We terminated the lease due to multiple breaches of contract and in accordance with their offer to allow the lease to be terminated. 

We also made a full and final settlement payment in the amount of {$940.00} which was endorsed by the company. 

The property sent us several notices about an outstanding balance. We replied to each notice with our dispute and related concerns. The company failed to ever respond to any of our disputes concerns. We will attach copes of those documents. 

We began receiving collection request from XXXX XXXX XXXX. We asked them for proof they were associated with XXXX XXXX and for copies of all of the prior dispute documentation that XXXX XXXX provided them with. They provided copies of our original contract. They provided no proof that they were authorized act on behalf of XXXX XXXX and they never acknowledged receipt of any of our disputes. 

Prior to receiving a response from us they called us and threatened to damage our credit by reporting to the credit bureau. We asked for proof within the deadline they provdided. They have now reported us to the credit bureau. Neither XXXX nor XXXX has once attempted to discuss our concerns outlined in our dispute. They are unfairly harassing us instead of making a good faith effort to discuss our concerns and to determine what is actually owed.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (IL)

have yet to receive any communication from them, and he was unable to provide clarity on why my card continues to be declined. I have made numerous attempts to contact Barclays via phone and email over the past week, but the issue remains unresolved. I respectfully request a prompt and thorough investigation into this matter, as it has caused significant inconvenience. If the Executive Office is indeed reviewing my case, I would appreciate an update on the status and a clear explanation of the reasons behind the ongoing issues with my account. CARD is declining all purchase attempts.
Consumer complaint received 2024-05-30
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. (NY)

I noticed the problem in XX/XX/XXXX Hard Inquires XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Personal info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt NY XXXX INCORRECT INFO : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX This account needs to be validated DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF EDXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

HomeDepot Credit card offer a 0 % promotional interest free for 6 months or 12 months. 
However, they don't make it clear that after expiration of promotional balance there will be a carried over of interest on remaining balance. There is no warning or messages before charing such interest as a result leaves consumers rattled with high balance ( interest from 6 month promotional balance ) thus leaving them behind on other important payments. 

In my case total interest charged is interest {$1300.00}. 
{$620.00} is the result of interest tacked-up on the balance after promotional period expiration. 

This is example of misleading/deceptive marketing for 0 % promotional balance. 

I've opened a case for waiving off any interest charged after expiration of promotional period. 
I would request Home Depot to revisit the marketing for promotional offer and offer consumers clear and transparent way of communicaitons, offers, any rules that govern it.
Consumer complaint received 2024-09-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SUNRISE CREDIT SERVICES, INC (TN)

A collection agency called several times attempting to collect debt {$380.00} from me since XXXX on XXXX XXXX account number ending XXXX and I've informed them that I do not have any credit account with them, nor did I make any sandal purchase from " King Size '' catalog. The below information was extracted from card statements provided in the attachments which were mailed to me in XXXX, XXXX ; by Sunrise Credit Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The charges consists of : XX/XX/XXXX - KING SIZE CATALOG PURCHASE - CATALOG - SANDALS- {$80.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX - LATE FEES - {$29.00}, {$35.00}, {$40.00} & {$40.00} INTEREST CHARGES - {$2.00}, {$2.00}, {$3.00} & {$4.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - LATE FEES - {$41.00}, {$41.00} & {$41.00} INTEREST CHARGES - {$5.00}, {$6.00} & {$7.00} Additionally, these statements show my address in Ohio which I've not lived at for over 10 years.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (FL)

I would like to report a potential case of mortgage fraud to the Federal Trade Commission. I believe that XXXXXXXX XXXX XXXX securitized my promissory note and sold my personal information without my consent to another bank/servicer and/or the credit bureaus. I am concerned that this may be a case of mortgage fraud and would like to alert the FTC for further investigation. ''
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc. (DC)

On XX/XX/year>, My car was broken into boxes and personal items were stolen. I went to pay my credit card and notice there was fraudulent charges posted and or pending. I immediately called the card provider and disputed the charges. They gave me a credit while they investigate. They informed me the investigation showed I was in the area when I was not. The charges were made in Florida. I was in XXXX XXXX DC at the time of purchases. I showed them I had to order other cards that were stolen as well as a new ID. I sent them emails I also sent them pictures of my busted car window. The issue was not resolved.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Unifin Inc. (SC)

This company is calling multiples family members and neighbors and stating that they are filing legal actions against me. I spoke with them and stated that if they have all my information to please send to my mailing and I will have my attorney look at it. They continue to call different family members every day
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NV)

1. Why does Citibank restrict my login? 2. Request Citibank to unlock my account so that I can use my own funds. My name is XXXX XXXX and my account ending number is XXXX Citibank was restricted, my mobile phone screen told me that my bank information was wrong or I changed my card, but I did not change my card. Today, I communicated with the bank about this matter, and they told me that I could not use the extended bank account several days ago, and the bank withheld my funds for XXXX to 60 days without any email notification. I have been using my account normally, I have not done anything illegal, and the funds deposited in the account are deposited by myself, another bank or the company. My last deposit of XXXX dollars was also transferred through my other bank. I asked the customer service of the bank what the reason was, but the customer service did not tell me directly, but just said that I could not use any account of Citibank anymore, which violated the consumer protection law of the United States. I hope Citibank should correct its mistake, restore my account and give me a reasonable explanation. If I do not do so, I will reserve all rights to legal action for infringement of my rights.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION (GA)

I called on XX/XX/2024 to complain of very low interest rates on balances under {$1000.00} of .05 % This represents borderline fraud and deception as the company itself, HSA Bank is making a significant spread on this money. It is a true harm to the small investor and destroys their ability to grow the funds for their future needs. Also until I called and made them stop, HSA Bank imposed relatively large monthly holding fees of a few dollars on my account. I worry they may still be doing this to others. I plan on closing the account and moving it to XXXX to earn a better rate of return, however they threaten a {$25.00} fee to close the account which fare exceeds the interest on my account earned over 5 years! 
Please use this information to investigate HSA Bank and compel them to drop egregious fees and very low interest rates for those who can afford it the least. Please help me help the average HSA owner.
Consumer complaint received 2024-09-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (PA)

I have good credit XXXX XXXX Payment history So when a collections for {$120.00} showed up on my credit report, it was very alarming Upon calling the company, they also agree that they thought it was fraudulent. But they wanted me to pay them a {$190.00}. 
To take it off my credit report completely and sign up for .It 's credit monitoring for XXXX dollars a month I feel like this is a big scam. If I pay the {$120.00} now I have a collection on my credit report for XXXX years Unless I pay them a {$190.00} and XXXX dollars a month. They are saying that the debt is associated with XXXX. 
Which I currently have, and I am in good standings with I went to the address associated with this debt, and it is a vacant building.