davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WESBANCO BANK, INC. (WV)

Hello, On XXXX2024 I found a used Laptop on XXXX XXXX I wanted to Purchase so sent a message to the seller to try to arrange a purchase. I asked them to send me a picture of my name on the screen of the laptop in word processor. They were able to send me a picture and the laptop in the picture they sent matched the description and the pictures in the for sale posting. I asked the seller what payment service they have and they indicated XXXX and XXXX XXXX. Since I regularly use XXXX we agreed to use it. The total cost of the used laptop and shipping came out to {$340.00}. So I asked the seller if it would be alright if I sent {$100.00} then, and after they shipped the laptop and provided a tracking number I would send the remaining {$240.00}. About an hour later the seller was able to send me a copy of the shipping label and told me they had dropped it off at the post office. At that time I sent the {$240.00} payment to complete the transaction and pay in full. The next morning of XXXX2024 I tried to track the package on the USPS website and there was no history of the USPS receiving any packages with that tracking number. I then opened XXXX messenger to ask the seller if there were any problems with the shipping, and I found out their XXXX account was completely deactivated. So I then immediately opened a dispute with XXXX, but their support was not any support for me unfortunately. I thought they would be able to track down the person that scammed me since I thought they had to verify users identity when opening an account on the XXXX platform. Even though I requested to speak to a real XXXX support representative, all of the responses I received seemed to come from an automated computer or something. I then called my WesBanco Bank, since the funds came from by checking account via their XXXX Debit Card. I though they would take Fraud and Scamming as a serious matter as they had when I was scammed in years past. That was not the case this time even though I took the time to provide documents for my case to prove I was scammed online and I never received the goods I purchased. As a XXXX debit card holder and a long time loyal WesBanco customer, I thought they would take time to at least look into the same since {$340.00} is a substantial amount of money. The bank representative said I would here back from them in about 10 business days. I happen to stop at my local WesBanco branch 2 days later and the case has already been closed without the chargeback crediting the amount of money I was scammed. I don't even know how they could conduct a thorough investigation on less than 2 business days, when in other instances it had taken about 10 business days. I'm very upset that they weren't able to take me being scammed and losing my money more serious.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For about 8 months I have been going back and forth between XXXX and Bank of America to try and get this fixed. I am not receiving my payments by direct deposit, instead I am encumbered by receiving paper checks and though it may not seem like a big deal it is when you are relying on that payment just to stay afloat and it takes the paper check an exrtra week to get to my house that Im not always at because I have to travel for a loved one I care for. You can see how exhausting and inconvenient this is after both parties deliberately refuse to assist me in making this account function just like anyone else. Both parties have neglected me and deliberately refuse to even provide an ounce of customer service. Half the time they wont even answer the phone.
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (TX)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX  and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-05-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (TN)

Two things happened. There was a storm XX/XX/XXXX and half of my shingles were blown off. My deductible was {$2500.00}, which started my financial stress. Then my employer discontinued overtime pay. This happened XX/XX/XXXX. We have been told OT will be approved soon, but no date
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (GA)

15 U.S Code $ 1681C-2a 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 XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (HI)

I was not given proper notice by Old Navy and Barclays that Old Navy 's credit card services was being transferred to Barclays and that my automatic payments would end. I only became aware of this when my credit score dropped XXXX points because of one missed payment by Old Navy Barclays. I immediately paid my credit card balance. I've contacted Barclays and Old Navy and neither will help me. 
I've always paid my credit card balances in full by the due date and have always had an excellent credit score well over 800. I had an Old Navy paperless account but I should have been notified by email or something. This is wrong that I was never notified that my automatic payments would end and that I needed to set up new payments with Barclays. When my home mortgage changes servicing companies they always notify me about the transition and that my payments would need to be set up with the new company. Old Navy and/or Barclays should have done the same. Please help!
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm contacting you to inform you that I've experienced identity theft. This message is an official dispute regarding this account. I've followed the instructions from the involved companies and taken appropriate actions to rectify the situation. I've reported the identity theft to the FTC and contacted each affected company directly to dispute the erroneous information. I would appreciate your assistance in resolving this issue. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (IL)

I need Sunrise credit service XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY ( XXXX ) XXXX {$3700.00} to be removed from my credit I do not know what this is about.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax refuses to block under section 605 ( B ) Furthermore, This dispute was not 1 ( a ). blocked in error XXXX ( b ). a material of misrepresentation of facts or c ( XXXX ). I have not obtained goods or services from any transaction on the alleged disputed account, and if you believe otherwise, I need a senior member or advisor representative on behalf of Equifax to swear under penalty of perjury that It is fact, If I have obtained and goods or services for any transactions on this account. 

According to the FCRA, you are required to block the reporting of this information within four business days of receiving my identity theft report and to promptly notify the furnisher ( s ) of this information that it has been blocked due to my status as an identity theft victim.

Despite having a payment history, which is a point of contention, these accounts are not mine, and the existence of payment history does not validate the fraudulent nature of the accounts, nor should it prevent the application of my rights under the FCRA. 
This account does not meet FCRA regulations and should be blocked. 
Enclosed with this letter, please find copies of : The FTC Identity Theft Affidavit, Any previous correspondence related to this mater, Proof of my identity ( state ID, drivers license, etc. ) and Utility bill. 
I respectfully request an expedited response to this serious mater. 
Failure to comply with the FCRA can result in legal consequences. I notified the CFPB of discrimination, and planning to take it further if necessary to protect my rights. 
Please send me written confirmation that the information has been blocked and provide me with an updated credit report to my address listed above. 
I trust that you will treat this mater with the urgency and seriousness it warrants. 
You may contact me for any further information or verification at the phone number provided or email attached to on my Equifax profile. 
Thank you for your prompt attention to this mater.
Consumer complaint received 2024-04-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IA)

I filed a report against Hunter Warfield I filed a dispute for the absurd charges I was charged from previous landlord for supposed cleaning and illegal HVAC charges. I submitted proof and they NEVER got back to me or responded to my dispute. They sent you all documents but never sent me response or investigated my dispute. They are harassing me with phone calls, but doesnt answer when I call their company.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (SC)

This loan was a fraudulent account. My bank Account was hacked and closed due to fraudulent activity. I lost my wallet and my identity was stolen during this process it was used by someone. I send information to this company with ftc report, police report, bank statement closed account. I contact this company in XXXX to have it investigated. I sent over documents and still waiting to hear back. I called XXXX services have to give them 30 days. The loan amount says it was taken out in XX/XX/XXXX this loan is from XX/XX/XXXX.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Associates In : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Third time making this complaint because Citi executive response team refuse to do their job. They like to lie and keep closing my case without actually doing their job. Which is completely fine because I will keep making cases and I will keep calling and I will keep reaching out to whoever till I get my money! Citi bank still has not called XXXX but decided to close my case with no resolution then when I recalled on XX/XX/XXXX the lady re opened my case and told me Citi would call me and do a three-way conference call with XXXX to verify the check the citi refuses to give me,. NEVER got a call but yet again they close the case with no resolution, and still keeping my money.. so I took it upon myself to do Citi bank employees job and I called XXXX and the representative agreed to stay on the line while I call Citi response team phone number ( XXXX ) XXXX! the lady who answered the phone attempted to get a hold of the person that was handling my case but of course she wasnt available.. So like I said yall can keep closing the case all you want but until I get my money, Im going to keep calling and Im going to keep making cases! Do your job and this could of been settled MONTHS AGO! But instead your attempting to keep my money simply because your too lazy to call and verify a check that HAS CLEARED TO CITI BANK SINCE XX/XX/XXXX! Horrible customer service from everyone involved! XXXX is probably the worst employee and worst person to have in a department thats supposed to be for investigations. She wont even call XXXX to verify probably because she does not want to be wrong! shes no help shes useless and shes purposely avoiding calling XXXX  to verify the check! Someone who has a brain and is willing to help needs to take over. Im not letting Citi bank get away with stealing XXXX dollars from me that I worked hard for simply because XXXX refuses to do the job she gets paid to do. I understand your company is doing layoffs and you guys are losing money, but that doesnt mean be spiteful to the people that were your customers.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

PLEASE BLOCKED AND REMOVED Kindly expedite these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am natural person, I am living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be deleted or remove because according to 15 USC 1681 I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 
Accounts Here Remove/Deleted : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Equifax XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Company has not sent proper verification documents. They claim they have sent me billing statements. I have requested for the chain of custody. Copy of their license. And I have submitted a written dispute also asking for the purchase agreement. Also I need copy of the agreement that bears my signature of the alleged debtor.I need proof that I own this debt. Statements are not the proper documentation.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC. (NC)

I asked them several times to stop communicating with me about any debt owed and they sent repeated emails and text messages about several different debts. They say I owed but failed to send me a response after I asked them for detailed billing and verification of the debt. And one of the debts they say I owe they have my last name as something completely different from what it actually is.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (GA)

In XXXX our mortgage, previously serviced by XXXX, was acquired and began to be managed by Roundpoint Mortgage Services. This transition was obviously not something we had a choice in. Following the transition, Roundpoint began to deduct the mortgage payment from the checking account, only with a randomized amount somewhat below what we'd set up on XXXXXXXX XXXX website, but considerably above the minimum payment due. I made repeated attempts, both on Roundpoint 's website and through contacting them via phone, to have this adjusted. The website seems incapable of addressing the autopay settings. 

In XXXX a stolen checkbook led to the closure of our checking account and the opening of a new one. Unfortunately Roundpoint continues to attempt deducting our mortgage payment from the old account. I had to manually pay an extra payment at our last cycle knowing that they one they show to have been made will be rejected. I've added the new payment account, but can't delete the old one because it is being used for autopay. But there is literally no way to change that on their website, and they refer you to contact them which unfortunately doesn't seem possible. 

I have called and tried to get through to a real operator, but been forced to leave my number for a callback. If one came, it was while I was in a work meeting. Today I tried calling during normal business hours and it actually gave me the option of speaking to an operator by pressing " XXXX. '' When I did so, however, the computer said that their offices had closed early. I attempted to write an email, since that is an option for contacting them. But the email dialog box that opens has a character limit far too short to explain my situation. 

How can I, as a consumer, be subjected against my choice to a company with such poor or impossible customer service, making deductions from checking accounts that I have no control over, and potentially impacting my credit history?