davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The collection account with XXXX XXXX  was an account that was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. The account was sold to Portfolio Recovery LLC in 2019. I have filed an identity theft affidavit, which is attached. XXXX XXXX  acknowledged this and deleted the tradelines from my CRA reports. I have also attached documentation attesting to this fact.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (AR)

This company, Transworld, has called at least once a week for over a month. All they can say for the nature of the calls is " a personal business matter ''. I work XXXX shift and sleep during the night. I'm not going to address an issue if I'm not getting told what the issue is. I've ask them if they can't tell me what they need then to either contact my law firm, the XXXX XXXX law firm out of XXXX, or to quit calling.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (CA)

Money Network is the service provider for the checking account where my XXXX pay is deposited, and they have made it impossible for me to access my funds for XXXX, which is due tomorrow. Their mobile app is broken and doesn't allow anyone to sign in ( see Money Network app reviews in the XXXXXXXX XXXX XXXX and the XXXX XXXX ), and there's no work-around for that. Their website is broken and gives an XXXX XXXXXXXX every time you try to sign in, and there's currently no work-around or fix for that. And when I try to withdraw my funds from a different bank, the withdrawal is blocked because I don't know the exact amount in the account, and a XXXX hold is placed on my account. Money Network doesn't deserve to exist as an organization. How is this not actionable? They have my money and won't give it to me.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MI)

Hello, my name is XXXX XXXX I have been reporting this account for also a XXXX XXXX XXXX I have never opened this account this and XXXX other accounts was open in my name and my identity has been compromised. I been telling that I have not open this account. The transactions are not mines. I dont even know what the card look like. I never received anything until my credit went from XXXX now its in the XXXX because someone open an account in my name. I need this report off my credit. I didnt know about this account & legally didnt sign for it.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (FL)

I received an email from US Bank regarding an application for a Silver Business Checking account. 

The imposter was using the XXXX number from my business and provided a phone number that was not mine. 

I received the email and contacted the bank to tell them that it wasn't me.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (FL)

I have coresponded with XXXX and their collection agency for months to update my credit report and they continue to report inaccurate information. The last request was on XX/XX/year> with no response to my phone calls or letters.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Upgrade, Inc. (CA)

These accounts represents a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding these fraudulent accounts, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account are : UPGRADE INC XXXX, UPGRADE INC XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (GA)

XXXX, XXXX, & CoreLogic continues to report incorrect information on my consumer reports. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other personal information listed. Once you update these reports send me a copy to ensure you have complied with federal law.
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Data Mortgage Inc. (GA)

The mortgage company was is guilty of dual tracking. They clearly told me my home was not in foreclosure through XXXX XXXX 2024. They were also discussing the possibility even Modifying my loan. They immediately forwarded my loan to their foreclosure attorney while in active Forbearance.

This is clearly dual tracking. My home has equity and the are attempting to foreclosure so that I will lose my equity and my home. Frank Dodd act protects homeowners from this type of abuse.

I also mailed a QWR and sent a notice of error in XX/XX/scrub> 2024. The have refused to respond to either document. I sent a notice of default XX/XX/scrub> 2024 and they havent responded. I informed them that this was against Federal Law to be working with a homeowner on modification and forbearance and Simultaneously starting foreclosure proceedings.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX, Citibank has now found disputed transactions in my favor, I have no access to my funds nor have I received a cashiers check for the remaining funds owed to me, I am requesting a cashiers check be made out to me immediately.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

NOTICE TO AGENT IS NOTICE TO PRINICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your comapny notice purasuant t 15 usc 1602 ( k ) that your company never provided an adequate notice which cleary and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement.

According to 15 usc 1602 ( k ) the term " adequate notice '' means a printed notice to a cardholder which sets fort the pertinent facts clearly and comspicuously so that a person against whom it is to opperate could reasonably be expeced to have noticec it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement or account, issued to the cardholder, or by any other means reasonably assuring the recipt therof by the cardholder. 
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a volation under 15 usc 1602 ( k ) Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the the transaction therefore made an uniformed decision and it resulted in multiple billing errorsm and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ) the term 'unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request that you do the below-mentioned things : Enter your request here. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) Capital One US DEPT ED XXXX XXXX XXXX If you accept my request, I will not escalate this matter to the Federal Court. In case you do not accept the above request, legal action shall be taken against your company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2024-06-17
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. (AR)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act Conserve, has violated my rights. 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 a account without my written instructions 15 U.S.C 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.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

Reviewing my credit card charges for the last few months I found a number of charges for " Experian Credit Report '' -- including two in one day for {$19.00}. Like many of the complaints about Experian indicated, it is VERY difficult to reach a human being ; clearly this is intentional because there is no option in the automated system to be connected with anyone. Doesn't this violate some regulation?? 

After finally reaching a person, it appears that when I put a freeze on our credit reporting account some months ago after a widely reported data breach involving one of the credit reporting agencies, we started to be billed for a " Premium Membership '' for {$19.00} for myself and the same charge for my wife. The man I finally connected with on the phone read a long list of services that go along with the " premium membership. '' As I told him, there is no way I intentionally signed up for ANY membership that would carry a monthly fee of ANY amount. 

He agreed to take off the most recent charges but said I had to fax in a letter to dispute past charges. I have submitted that letter by fax fo XXXX.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (GA)

I have had a Juniper Credit Card with Barclays for many years. They have increased and decreased my limits in the past but the latest was the last straw. I received my credit card statement on XX/XX/year> and noticed my credit limit now reflects {$3300.00}. It was previously {$11000.00}. I have a balance over {$3000.00} so I went from using approximately 30 % of my credit limit to now over 95 % of my limit. This has devastating impacts on my credit score. It dropped XXXX points. Now I have never had any late payments or issues with this company. I also have not missed payments on any of my other cards. But due to the fact i have used my other cards they decided it would be a great idea to decrease my limit by {$8500.00}! I understand decreasing a limit but decreasing it by that amount is not fair. I am now harmed due to this lower credit score on obtaining additional credit. There should be a policy in place for reducing credit lines for customers with no issues. This practice is awful!
Consumer complaint received 2024-06-25
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: CREDIT ACCEPTANCE CORPORATION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.
Consumer complaint received 2024-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (FL)

This is showing up on my credit report with all 3 agencies. They are verifying the information when I dispute it with the agencies but they are not providing me with the original statement and my signature for whatever this amount owed is. My suspicion is fraud since this isnt my debt.
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OR)

In XX/XX/XXXX my credit card issued by Citicard was charged {$99.00} by XXXX for an antivirus software I did not use any more. I filed a dispute and was resolved in my favor. 
Again in XX/XX/XXXX my credit card was charged {$100.00} by XXXX. I also filed a dispute to Citicard. This time Citicard resolved that I had to pay {$100.00} for something I did not use since last year.The same issue but different resolutions. 
I don't agree with Citicard 's resolution.
Consumer complaint received 2024-06-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (IL)

In 2014, a federal government-backed debt security was used to acquire a {$970.00} line of credit for the trust estate in discussion. Without the consideration of the trust estate, SYNCHRONY FINANCIAL presumed equitable interest, initiating a breach of fiduciary duties since the federal public security number owned by the Social Security Administration, a United States federal agency, was used to regulate the account. Through the oversight of material facts, SYNCHRONY FINANCIAL has neglected their official capacity, committing the offense of embezzlement of federal funds, initiating damages. SYNCHRONY FINANCIAL 's omission of material facts has caused them to devise a scheme to defraud, using the United States Postal Service for the purpose of executing the scheme. SYNCHRONY FINANCIAL had access to material, non-public information such as government-backed securities and have used this information to make trades in their company 's stock, resulting in significant capital while simultaneously annihilating the equitable interests of the trust estate. This performance is not only unethical, but also illegal, which undermines the financial market 's honesty.
Consumer complaint received 2024-06-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BANKERS HEALTHCARE GROUP LLC (WA)

I suspect that BHG has made attempts to reach out to employers in the market to inquire about my professionalism which may be damaging my employment opportunities. This needs to stop if they are engaging in such activity. There is no reasonable reliance. I need reasonable accommodations as a result of XXXX. I am working with XXXX on XXXXXXXX XXXX XXXX & a XXXX  account to avoid such problems in the future.
Consumer complaint received 2021-10-12
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. (FL)

I was looking at my credit report and I see that my credit score is very low. I have no idea why you put this information on my account. I'm shocked. I don't know what should I do with.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/year>, Chase restricted my company 's business account for XXXX XXXX XXXX. I filed a CFPB complaint on XX/XX/XXXX to assist with this matter. Chase assigned XXXX XXXX rep ) from the XXXX office to my file phone number XXXX and XXXX. XXXX has not responded, he has not done due diligence to solve this matter after I provided XXXX different phone numbers for XXXX XXXX bank where my deposits originate. I have made contact with Chase Executive office over XXXX times, each time XXXX is not available after the answered rep contacts XXXX for availability. XX/XX/year> visit to the branch where the account was open in XXXX, TX. XXXX XXXX the rep that assisted, was made aware of the situation and reached out to XXXX. XXXX made time to contact me back after I emailed him a week after the encounter. XXXX did not respond to XXXX from the XXXX branch in XXXX hours. I am now putting Chase on notice that I am seeking damages for the misappropriation of funds since XX/XX/year>. Chase has only initiated contact after I filed a complaint with CFPB.
Consumer complaint received 2024-06-24
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

I purchase an American Express gift card for {$250.00} plus {$6.00} purchase fee back on XXXXat our local XXXX store. I tried to use the card on line to purchase an Item, and it said it was declined. Then yesterday I tried it at the grocery store, and it said the said thing DECLINED. I have tried to contact them several times and all I get is punch this buttom for this or that, then push this buttom. Can not get thru to anyone. And I do have all of my recepts. What else can I do. I need this money times are very hard, and I feel like I in some way am being scammed by AMERICAN EXPRESS. Thank you for your time.
Consumer complaint received 2024-06-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

On XX/XX/2024 I purchased a XXXX gift card with {$500.00} loaded to it. I have tried to use the card to make a purchase in stores. I has declined every attempt. When I call Incomm, thye keep me on hold a long time, and tell me to try the card again, even though it continues to decline.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MO)

This company continues to check my credit every two to three months and lowers my credit limit. This has been happening for over a year now. I have filed multiple complaints with this agency and the company Citi Cards will draft a weak response and nothing happens. I am being targeted and discriminated against. This poorly impacts my credit when they check my report and lower my available credit. As I have stated before nothing has changed on my credit report. I am never late, I have no missed payments. I filed a fraud charge over a year ago and they immediately checked my credit and started lower my limit. I am going to file a suit at this point, and I am sure I am not the only person who they are doing this to. They also have started doing it with my Home Depot credit card. I will file a separate complaint against that being lowered recently. Other companies are increasing my limits and this one is constantly decreasing them. There should be some accountability from the government for this abuse. I am writing the companies that they represent and the Vice President. In an election year, we should get some rules changes I am sure.
Consumer complaint received 2024-06-24
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (SC)

On XXXX the XXXX I called because I noticed some strange transaction with my card. The money XXXX  XXXX told me to wait for the pending cards charges to go through and to lock my card. By the time my card was locked someone had made five {$200.00} purchase and three {$50.00} purchase for XXXX. On XXXX the XXXX I'll call back because the charge were no longer pending the lady took my information and told me that they will be sending me some dispute forms and to fill them out and I had 10 days to return them or I can go online and print a dispute form from the website she gave me the wrong email to send but up XXXX  the correct email when I noticed that the phones had a different email than what she gave me. I waited a week because and I did not hear back from money Network she told me that they did not get the email dispute phones yet and that the dispute forms they mail should have arrived by now. The same day the dispute forms came I filled them out again and emailed them with the PDF and then email them again with a tiff file and waited. Another week went by and I called and it's still telling me that they did not receive the disputed forms and not have gone past the time frame to make a dispute claim. When I called and asked to speak to a supervisor the supervisor told me that there's no way that they can know what to dispute office has received and can not let me know where my dispute was at.