davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Financial Triangle, Inc. (FL)

Financial Triangle loan officer and manager XXXX XXXX is marketing loan program in California, she is not even licensed in California. I attach her flyer. This is illegal. I called Financial Triangle, they just ignored. Financial Triangle and XXXX XXXX mortgage license shall be revoked.
Consumer complaint received 2024-06-12
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: EQUIFAX, INC. (FL)

Hi this is really a minor issue. My credit report is blank, its not showing my accounts below. Perhaps its due to the info you have. I applied for credit and they cant see anything. Please update records to reflect address and the accounts listed below. 

ADDRESS ON FILE SHOULD BE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ACCT # XXXX {$230.00} XXXX ACCT # XXXX {$210.00} XXXX  {$130.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (VA)

Synchrony handles the zero-interest XXXX XXXX . I paid off a defective hose ( {$79.00} ) and sent it back to XXXX  because it had several leaks. ( Found out they charge {$8.00} for the shipping label. ) After several weeks I called Synchrony who noted, yes, we see the hose was returned. We will issue you a refund for {$53.00}. When I pointed out I had paid {$79.00}, they said they would need to deduct {$26.00} from my refund check for " outstanding balance '' at XXXX  on an XXXX XXXX  XXXX. I had set up " 5 easy-pay '' monthly payments on the hair product and had 2 payments of {$10.00} left- the first of the 2 payments was not even DUE for 2 weeks. The last payment was due in XXXX. When I pointed out that these were 2 separate transactions/agreements with XXXX  and they had no right to take MY money that I had already paid - and use it to PRE-PAY my easy pays for me with XXXX  -- they claimed " our hands are tied ; it won't LET US make refunds when you owe XXXX  any payments. '' If this isn't illegal, it is surely unethical. They are tampering with the consumer 's budget, deciding how my agreement should be managed, taking money out of my pocket that was already tendered for a defective product. Synchrony is making interest off my money in their bank account.. and off of millions of other people 's money. I received the refund for {$53.00}. My balance at XXXX  is still showing I owe them {$8.00} for the shipping label and 2 payments of {$10.00} for the last two easy-payment on the hair product. Calls to synchrony- they say they will need to transfer me to XXXX. Customer Service at XXXX  has no remedy. Widespread theft is what I think it boils down to.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XXXX XXXX XXXX XXXX and XXXX XXXX XXXX improperly used my credit report and this item has been removed from my credit report based on the fact that according to 15 usc 1681b i have not given a permissible purpose for XXXX to report anything on my credit report this is was permanently removed but still shows an inquiry on my report under transunion as well as XXXX reporting agencies these are violations of the FCRA.
Consumer complaint received 2017-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

XXXX  has committed egregious violation in servicing our former account.  XXXX  refuses to take responsibility fo r 3 fa iled attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      XXXX  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agencies.  XXXX  offers a lawyered and morally deficient explanation for not responding.  XXXX  refuses to respond any further than attached documents reflect.  XXXX  has done great harm to former clients. Clients have continually corresponded to  XXXX  for redress. These practices must cease.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

that you are attempting to collect in accordance with 15 USC 1692b. I am referring to account XXXX XXXX XXXX. With a past due balance of {$650.00}. Please provide me with the following information : 1. The name and address of the original creditor 2. The original account number 3. The amount of the debt 4. Proof that you are authorized to collect this debt I also request that you cease all communication with me regarding this debt until you have provided me with the above information. Under the Fair Debt Collection Practices Act, you are required to provide me with this information within five days of receiving this letter.

Please note that I dispute the validity of this debt and I am requesting that you provide me with proof of the debt in question.

I am requesting that you investigate the disputed item and remove or correct any inaccurate information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I disputed an atm amount transactions for the amount of XXXX $ on XX/XX/year>. Then received a letter on the mail stating they have completed there research of the inquiry about charges of {$6000.00} on your account. 
Because we have been unable to reach you or we did not receive the information we requested from you, we based our decision on the information available. We have determined the transaction was authorized or that a processing error did not occur. As a result, please consider your claim closed. If you would like us to reopen your claim, please provide details of the reason for your dispute. I then called and asked what additional information I can provide. The investigator then stated it closed and there is no additional information or anyway to reopen this claim.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Ive been calling for days to speak to a human. I need to know why they have not taken off the collection account that XXXX has requested that they do. Every other bureau has a human to talk to except this one and every other agency has honored the request made by the collection agency and has removed this debt. 

The debt they placed they Already removed once and hade violated the FCRA! Now they arent honoring the collection agency requests for it to be removed. And I cant get a hold of anyone to speak with about his which is ridiculous! 

Im getting ready to sue as its XXXX me my home loan!
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

I have a collection on my credit report that I reported as fraud in XXXX and yes its still on my credit report from XXXXXXXX XXXX for {$5000.00}, I have been fighting this for years, I filed a fraud report with the police department, nothing was done, XXXXXXXX XXXX is reporting on my credit report numerous times and thats incorrect, XXXX XXXX  is incorrect, XXXX XXXX fraud -- XX/XX/XXXX, XXXXXXXX XXXX  fraud -- XX/XX/XXXX all these accounts should not be on my credit report, they are incorrect and destroying my life, please remove XXXX XXXX from my credit report, Been fighting this since XXXX, these accounts are keeping me from living a normal life.
Consumer complaint received 2024-05-27
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: DISCOVER BANK (GA)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I don't recall having a contractual relationship with this collection company Portfolio Recovery Associates , LLC. 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 XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), 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 2023-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (GA)

I tried to open a Truist account about a year ago but for some reason I was told that I have an account with Suntrust which is false. I need this fixed immediately. Your customer service does not exist so every time I call Truist I get put on hold and no one answers.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2018 I reached out to Experian, Triple Alert to cancel a credit monitoring service. It was next to impossible to find the number to call - they make it extremely difficult to cancel. I finally received an email with a customer care number ( see below ) : Customer Care Contact Information Phone : XXXX Hours : Monday-Friday from 6 a.m. to 6 p.m., Saturday-Sunday 8 a.m. to 5 p.m. Pacific Time Email : XXXX Your Membership Number is : xxxxxxx After being on hold for 30 minutes, I was told I need to call another number and proceeded to hold another 5 minutes. After calling the new number XXXX XXXX XXXX, I was told they could not find my account. This is a shady business practice, designed to collect {$4.00} per month from consumers indefinitely. The third number XXXX XXXX XXXX put me on hold for 9 minutes. The representative redirected me back to the XXXX number. This is a scam and very poor business practice. I am disputing the charge with the my credit card company. 

I never did get resolution. The customer service rep told me to dispute the charge. However, this is a recurring charge so not sure how I'm supposed to dispute it EVERY month.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Claim ID : XXXX Amount : {$5300.00} On XX/XX/2023 I filed a claim with my bank institution. At that time I informed them my phone was stolen along with my wallet and other items. They opened the claim and 9 days later they denied it. I asked for reconsideration on this and they informed me that they never relied info on my possessions being stolen. Which is false because the phone calls are all recorded. I sent in then after being denied, the police report, phone carrier statement and my statement as well. I faxed these documents in and received a conformation number XXXX the sent fax. 
Today I called in and they have not received any of the information. I have been given the absolute run around yet I have complied with every request since and nothing has been done. I was on the phone with numerous supervisors and she just rudely hung the phone up on me.
Consumer complaint received 2024-01-14
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. (GA)

There is an account reporting as XXXX XXXX XXXX XXXX on my report that does not belong to me. The company ( s ) continues to mark this account as verified without providing proof and documentation. The account does not match any information in my personal records ( ex. Address, accurate name, etc ). This account being listed on my file is violating my consumer right to accurate reporting.
Consumer complaint received 2024-01-14
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. (PA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX. In the period from XXXX to XXXX, my employer, XXXX, experienced two significant data breaches, exposing sensitive personal information, including Social Security numbers, addresses, birthdates, and account numbers. This breach resulted in multiple instances of personal loans being opened in my name. 

Specifically, on XX/XX/XXXX, a loan in the amount of {$5000.00} was applied for with XXXX XXXX XXXX. Despite my attempts to dispute the account, XXXX maintains that their investigation supports the claim that it was indeed my account. I firmly believe that this loan was a result of identity theft, considering the widespread data breaches during the mentioned period. 

I am seeking the intervention of the CFPB to thoroughly investigate this matter and rectify the situation. The exposure of personal information due to XXXX 's data breaches has put me at risk of fraudulent activities, and XXXX 's refusal to acknowledge the possibility of identity theft is deeply concerning. 

I request that the CFPB investigates this case diligently, considering the broader context of the data breaches and the potential impact on affected individuals. Your assistance in resolving this matter and protecting consumers from the consequences of identity theft is greatly appreciated.
Consumer complaint received 2022-06-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (IN)

Cash App has taken {$990.00}. from me. On XX/XX/XXXX I reported the unauthorized transactions and they closed my ticket. I reached out again today as another {$790.00} WAS ILLEGALLY WITHDRAWN FROM MY ACCOUNT AGAIN. They do absolutely nothing to help, they do not protect their customers, they are aware of the issue and neglected to help now I am missing another {$790.00}. 

On XX/XX/26 at XXXX I reached out to their support team in the app and described the issue. I haven't even gotten a response since. I want to sue them for the {$990.00} they illegally cashed out from my account.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/ I was reviewing my credit reports, and I saw some things I were not sure were correct. The next day I sent a letter to TransUnion through certified mail asking them to reinvestigate and make sure the account information was complete and accurate. 

They refused to do a reinvestigation and said I should wait to get the results of the original investigation I did by phone. 

On XX/XX/ I noticed some things were still not correct or did not match my other credit reports when their investigation was complete. The next day I sent TransUnion another letter via certified mail asking them how they verified the information and to provide me with a description of how they reinvestigated the accounts. 

They refused to do that as well. They sent me an e-mail saying that I was a credit repair company. They said they could not verify my information because they needed identification. I already sent XXXX forms of identification with the letter. I am not a credit repair company, and I do not use a third-party. I just want the accounts investigated correctly. They do this the majority of them time when I try to dispute by mail. I called and chatted with them to confirm who I was. I was told multiple times they were going to continue with the investigation, but they did not. I am attaching the documents that I mailed TransUnion.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, of XXXX I had a property closing at XXXX. Unfortunately, the email was hacked and the wire information provided was part of a scam or a fraud, meaning it was the wrong ones. I took the wrong wire instructions with the wrong information and I proceeded to deposit XXXX wires from my bank Wells Fargo to XXXX XXXX ( receiving bank ) .First XXXX was for {$37000.00} and the second was for {$12000.00} to complete the total amount of {$50000.00}. As soon as we noticed at the closing table that I was being a victim of a fraud we began to call the bank to stop this process because we notice the money was still pending at that time which was around XXXX. The bank couldn't do much because they were almost closing. We was instructed to go to the branch the next day which was XX/XX/XXXX, so we did. Unfortunately, they haven't being helpful at all, the bank is doing the bare minimum and I do not feel their support. They just made the XXXX recalls for each wire and gave us the case number, these are XXXX and XXXX and up until today XX/XX/XXXX, we have not obtain any result or answer from their part. Additional to all this I contacted the XXXX department XXXX XXXX XXXX to reject this fraudulent transaction twice, first on XXXX, XXXX and then on XXXX, XXXX.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Case # XXXX C F P B : This complaint ongoing since XX/XX/2022! 
Capital One keeps closing marked as duplicate as I submitted several times to TRY TO GET A RESOLUTION from Capital Capital closes without letter and resolution each time and frankly I am really tired of this! 

Capital : Letter please as to why duplicate case closed without resolution
Consumer complaint received 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (NV)

I contacted Minto Money to ask for a detailed statement on XX/XX/year> since the information is not available on my online account. I have been paying bi weekly on this loan for 2 mths and the amount isnt decreasing at all. I have beem paying XXXX. XXXX and it was a XXXX loan but still owe over XXXX dollars. I was informed that they do not do statements and can not tell me how much of each payment has been applied to my loan. They gave me the email address which I emailed the company to ask for this information and have not received it. This information should be available to every customer especially since this is a financial institution their should be full transparency and I should be able to easily access this information at any time. This company is predatory and taking advantage of its customers.
Consumer complaint received 2024-01-14
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. (NY)

XXXX erroneously reported to XXXX that I failed to pay a debt timely. This resulted in my credit score dropping from XXXX to XXXX. I have submitted several notices of dispute imploring XXXX to do a proper investigation, which they haven't done. Further, now my XXXX report reads that the debt was settled for less than the full amount. This is untrue. Despite filing XXXX additional disputes, XXXX hasn't corrected their error. ( As soon as I learned of the {$100.00} outstanding balance, I called XXXX and asked why they didn't simply charge the credit card on file -- no answer was given. I directed them to do so, and the debt was paid in full XXXX. The account is still active. )
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (MO)

To whom it may concern, Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S I am writing to file a complaint against BLITT AND GAINES PC for engaging in debt collection activities within the state of Missouri without the appropriate licensing. According to my records and research, BLITT AND GAINES PC does not hold a valid license to collect debts within the jurisdiction of Missouri. 

This unauthorized collection activity violates the laws and regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) as well as Missouri 's specific regulations regarding debt collection practices. I believe this conduct is unacceptable and warrants investigation and appropriate action by the CFPB. 

I request that the CFPB thoroughly investigate this matter and take necessary steps to ensure that BLITT AND GAINES PC ceases its unauthorized debt collection activities within Missouri. Additionally, I urge the CFPB to impose appropriate penalties and sanctions on BLITT AND GAINES PC to deter similar violations in the future.

Furthermore, I would like to request that the CFPB keep me informed of the deletion progress of this investigation and any actions taken against BLITT AND GAINES PC to delete all credit reporting immediately. 

Also, for every violation I request to be paid for Thank you for your attention to this matter.