davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
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. (MN)

On XX/XX/XXXX we filed for a XXXX XXXX  bankruptcy and was discharged with a clean slate. On XX/XX/XXXX I put in to dispute the derogatory remarks and wrong balances they had on TransUnion. After there 30 days they said they had finished there investigation but had left all the derogatory on XXXX of them. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

I attempted to effectuate a wire within the limits that my bank allows. Wells Fargo verified my identity on 4 separate occasions and confirmed the wire. Afterwards, the bank held the fire for fraud and blocked my access to the account and instructed me to call them to fix the problem. I did so and after 30 minutes on the phone I was instructed to go to the branch to effectuate the wire. Now I am being charged {$40.00} to do the same wire that would have cost {$25.00} if I had done it online. Additionally I still do not have access to my online banking account and I can not move my funds in any way.
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Andrews & Cox, P.C. (TN)

Postmarked XX/XX/XXXX, a letter from Bleeker Brodey & Andrews ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX, XXXX, XXXX  ) was mailed to my father 's home, addressed to me, stating they are trying to collect a debt that I owe to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. The first page states an amount of {$3000.00} is owed as of XX/XX/XXXX. It states to " see separate page for itemization. '' The second page includes a header, " summary of accounts '' with details below on two rows : account number ( XXXX and XXXX ), balance, defendant ( first and last name ), loan date, and last pay date/if any. There are two balances listed : {$3000.00} ( as referenced on the first page ) and {$2100.00}. Both have a loan date of XX/XX/XXXX and a last pay date of XX/XX/XXXX. 

I have never rented anything from XXXX XXXX nor any rental place of the sorts. I have never received any communication of any kind about this " loan '' prior to this letter. I am left to believe this company is fraudulently targeting me. Therefore, I am reporting the incident to CFPB and will not respond to the company in an effort to protect myself.
Consumer complaint received 2024-06-17
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: Resurgent Capital Services L.P. (NY)

XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX is on my credit twice for the sane day XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX these companies has pulled an hard inquiry that i did not obtain, please remove from my credit report. thank you
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: VEROS CREDIT, LLC. (CA)

They re opened a closed account with XXXX just because I am currently disputing the charge off with all the credit bureaus yet they dont provide information and information is missing, they have had many errors and I ask for this account to immediately be taken off my credit report. The account was closed and all of a sudden its open again. These are methods that are against the law.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (MI)

The following companies did hard inquirys on my credit report and I had not reached out to any of them. Also, XXXX of the companies XXXX XXXX has an open account, spoke to them told them I was not aware of this and they didnt do nothing. I spoke to XXXX and XXXX they said they will remove it once I file this report. I have no knowledge of the below hard inquires listed below and the one with XXXX XXXX and that open account. There Were multiple different names and addresses on my reort also they remove with numerous amount of addresses also. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs closed by my Apple Card for some reason after requesting a credit balance refund in the amount of {$1100.00} on XXXX XXXX I requested to ask why and they couldnt tell me however my savings account is still open and functional. I requested to have my balance sent back to me via check and they told me that they have no information available and cant help me. They have been illegally holding this balance since XXXX and will not issue the credit balance refund despite it being my money I demand my money be returned to me either direct deposit in my account ending in XXXX or via check and the rest of my accounts with Goldman Sachs be closed or an apology with my account reinstated as this has been very frustrating.
Consumer complaint received 2024-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (GA)

I am not aware of an account open under credit corp solutions or debt owed to this company. 

Company is attempting to collect a debt in the amount of {$620.00}. 

Originally the debt collector reported to the credit bureau that I owed {$620.00} to XXXX XXXX, upon disputing, they corrected the original creditor to credit corp solutions in which I do not have an a account or aware of any debts owed to either parties for said amount.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MD)

For a while now, Ive communicated with XXXX stating that the accounts their company has placed on my credit reports does not belong to me. I, also requested validation, that is competent evidence bearing my signature and I have been largely ignored.
Consumer complaint received 2024-06-15
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC (FL)

My name is XXXX XXXX and I have lived at XXXX XXXX XXXX XXXX  XXXX Florida XXXX for XXXX  years, where I have maintained XXXX XXXX XXXX XXXX for several years. I also have my parents ' apartment where I have the same service at XXXX XXXX XXXX XXXX XXXX Florida XXXX. The payment process has always been perfect, up to date and automatic in both accounts for years and without any problems ( Verifiable Information ) However, Approximately XXXX years ago, an unauthorized XXXX XXXX XXXX fraudulent account was opened in my name in XXXX, Georgia where I have never even been to visit. Despite providing evidence, such as police records and other documentation, to demonstrate the unauthorized nature of this account, it appears that it is not in their best interest to accept this reality. The fraud Department of XXXX XXXX XXXX has not adequately investigated the matter. This is the XXXX  case and now the Company Radius Global Solutions, which I do not know and have never made a contract with them, on behalf of XXXX XXXX XXXX, have reported a new Collection account in the XXXX Credit Bureau, which has caused me great damage and frustration. It is unacceptable that XXXX XXXX XXXX is neglecting its responsibility to address this issue promptly and accurately even by showing you all the evidence that it is not mine. No matter how much I talk to the XXXX XXXX XXXX XXXX department, they don't want to listen to me, they leave me on hold for XXXX hours and hang up on me. As a citizen... If there was any law that protected me and if someone investigated these types of acts they could find the truth, I am a single woman and I keep all my payments up to date with a lot of sacrifice to maintain and take care of my credit and it is very unfortunate that these type of acts affect my credit score because it is something that can continue to repeat itself which will affect me in various ways in my future. I really hope someone here can help me. Thanks in advance. 

Account information : XXXX XXXX XXXX  # XXXX Radius # XXXX XXXX Police Case Report # PD XXXX Radius Global Solutions Phone # XXXX XXXX I spoke with XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

Original Acc XXXX XXXX XXXX - XXXX The service was connected in.. 
Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Open : XX/XX/XXXX Closed : XX/XX/XXXX Original Balance - {$560.00} Thank you very much for your time and help.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

Hello, good morning, on XX/XX/year> my wife asked me if I could change the check for my bank account and indeed I did so and the next day, XX/XX/year>, the account was frozen, we even went to the bank to comment on the situation and they gave us a number to call but they did not provide us with information, we called and the answer was that the phone number had to be in my name and I told them of course why, the number is in my wife 's name but when they did Upon verification, the number is in the name of another person, which my wife and I did not understand. Because of this, we went to the company where we paid for the cell phones and they told me that it is in her name and that she has me on the cell phone account since She is the XXXX who was in charge of those procedures, we called many times and the answer was the same that I had to verify with the phone number, the company provided me with some files showing that they were in my name but since those numbers are recycled, they are not They explain why they still have the name of the previous owner or the bank gets that name because the database is in my name. They want to give us a refund of the money after XXXX days the account is closed, they only return mine and my wife 's goes to an account for XXXX years then it goes to the government and it is not fair that only by calling they want to validate that information when There are many documents where it can be demonstrated that the account belongs to my wife.amount of XXXX XXXX ' check XXXX claimed on XXXX XXXX 's account.I talked to them and we went with my wife and all the relevant documents but they do not receive anything, they only do the verification with the number and a database. and if not, nothing can be done
Consumer complaint received 2018-05-14
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: Experian Information Solutions Inc. (NY)

This is my third attempt to receive from the bureaus requested original documented proof of a disputed 8-year old account [ XXXX XXXX ]. It appears that the account was remove, updated from the information I provided and then placed back onto my report causing my FICO score to drop nearly 40 points. Therefore, it seems I was penalized for requesting a proper investigation ; and sending me tangible proof. 

As per section 609, I should be protected from all forms of false and manipulative reporting and asking for all documents that were filled out when this account was opened, including an application and/or contract with signatures is within my rights. I contacted all three bureaus after discovering that all three bureaus had different and conflicting information about a very old account. It is clear that I was penalized for challenging an account. The amount owed was the same, which should have been the only reason my score would have to change. 

In the pass I was a victim of identity theft, I simply want the original documents to determine ownership.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX CO XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX CT XXXX XXXX XXXX Reference XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX Bankruptcy XXXX Reference # XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (NY)

I was threated to pay for a transaction via Remitly to XXXX XXXX from my XXXX XXXX  account to the persons XXXX, it was a {$230.00} transaction made because they threatened me with my family. I protected information to register my account because I was forced, and I have never got a chance to read the user agreement myself. I found it out in XXXX online that it was a scam, and I contacted Remitly twice to ask for cancellation/reversal of this transaction ( the first time in XXXX on their website, the second time in XXXX via phone call ). I informed them of the situation and especially in the second time, they kept interrogating me and manipulating me into saying that I authorized the transaction myself, even though I have explicitly explained that the transaction is involuntary, made due to being threatened, just so that they dont have to be responsible for anything, per their user agreement. At the end of the phone call, the agent told me that they have successfully collected all the evidence from me so that they could contact my bank to turn down my refund request, without ever telling me anything about the scenario or any information, just endless interrogation with a forceful, threatening attitude. As a financial services company, rules to protect customers rights against scam should be set up. Even though some rules are set up that cancellation could be made if the fund is used for misappropriations, as it was said on their website ( XXXX XXXX XXXXXXXX, also attached to this ), Remitly refused to find a solution like contacting XXXX for a reversal, but trying to manipulate their customers into freeing them from any responsibility. I felt being extremely disrespected, UNPROTECTED, LIED upon, and fooled around as a customer by Remitly. And I INSIST for a resolution.
Consumer complaint received 2024-06-15
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: TD BANK US HOLDING COMPANY (NY)

While shopping at XXXX the worker loading my cart failed to place a item that I purchased ( toilet paper ) in the amount of {$19.00}. I left the store without the item. TD Bank failed to do a proper investigation into this matter. The investigation was rushed and one sided and the reason behind there decision was " Due to the fact that this is a merchant dispute we recommend resolving the matter with the merchant. '' By law cedit card companies have to perform a thorough and fair investigation for disputes and TD Bank failed to do so.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (AL)

This company has been rude and disrespectful upon measures by making threats, reporting false information to my credit report which discriminates my future and relationships with lenders. They violated my rights and couldnt provide my signature or a copy of my photo id.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (NY)

I am unaware of this debt. I didn't have an opportunity to dispute this information. I didn't receive proper notification or verification before it was added to my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), XXXX are required to send consumers a written notice within five days of their initial communication, providing information about the debt, including the amount owed and the name of the original creditor. As of my knowledge, I have not received any such notification regarding the debt in question. If in fact you believe you gave me proper notification then please provide the certified receipt with my name and signature on it as well as Documentation proving that I was properly notified of the debt in accordance with the FDCPA, including copies of any letters or notices sent to me.
Consumer complaint received 2024-06-15
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

I have a Wayfair credit card issued by CITI Bank. My XXXX  and wallet were stolen back in XX/XX/2024. I have been trying to put together all the fraud I have endured and figure out what happened on my own. Citi Bank or Wayfair is not helping me at all. And they have found me responsible for the fraudulent charges twice. My XXXX had all of my personal information on it along with access to my phone and text messages. The criminals have also been using a fake address to obtain credit with my personal information. Now the fraud address is on my credit report. Citi Bank is saying because the fraud address associated with the fraud charges is on my credit report that proves I made the charges. I had to buy a new XXXX and put a credit freeze from the credit reporting agencies. I got a police report as well but it had to be revised because the wrong date was put on the report. I need help because these are not my charges,
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (PA)

My account with FSTPROGRESS was never late! I have had exceptional payment history with FSTPROGRESS and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

FSTPROGRESS Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MD)

This was open in 2019. This isnt mine and Ive disputed with CFPB and experian and they havent responded. This is fraud, i never opened this account I dont have any credit cards in my name I dont shop with Best Buy or even heard of this bank until now
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NV)

We move here in 2017 and I was not aware that they were charging for my son account yet as I am his payee that was for the Social Security and for his SSI. I went to the bank about a week ago and filed a complaint because as the requirement for the fees to be waived is that it be a deposit but he they are saying that he did not qualify for the free yet we are both XXXX and my account is not at Chase it is at XXXX XXXX but back to what I am up set about is no one has the right to be in my personal business and since I have moved here it seems that I have an XXXX  and I am a XXXX they do not allow you to share your concerns and they do not provide services so they fixed his account and not I do not have access! WHO TOLD THEM TOO! I AM GOING TO LEAVE THIS BANK BUT NOT BEFORE I FILE THIS DISCRIMINATION COMPLAINT AS I AM LEGALLY HIS PAYEE AND IF MY SON DOESN'T HAVE AN ISSUE AND I AM DOING HIS BUSINESS WHO AT CHASE HAS DETERMINED THAT THEY HAVE THE RIGHT TO BE IN MY PERSONAL BUSINESS!!!!!