davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-05
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NY)

On XXXX, I tried to use my XXXX Credit card to purchase some clothing for my children for XXXX. My card was declined. I thought I XXXX have had the wrong card on file [ they had recently sent me a new one ], so I pulled out the card and reentered the number and it was declined again. I thought I might had the wrong card in my wallet so I went online to try to see if I could find my card number. When I logged on, I was shocked to see I had a late payment of XXXX dollars and that they had decreased my spending limit from about XXXX to XXXX. I had made my last full payment in XXXX of XXXX and I had a XXXX balance. Apparently XXXX full days aftee I has XXXX out my balance of XXXX, they charged me a XXXX dollar interest fee and never sent me any emails or paper bills to tell me about this charge so that I could pay it off. From XXXX of XXXX to XXXX of XXXX, they have been charging late fees and interest fees and NEVER ONCE sent anything stating that there was this charge. When I called to figure out what happened, I was told I needed to call them to XXXX a verificiation for a XXXX balance, which in the XXXX years I've had this card, I have never had to do. I also asked why I wasn't emailed and they said they had emailed me and when I double checked my emails, there are still no emails of statements for XXXX. I am enrolled rhe paperless billing, but I never received emails giving me a statement. It also states on their site when you log on that since I have late notices, I will receive paper statements, which I have also never received. In the 6 years I've had this card, I have never missed a payment or been late on making a payment.
Consumer complaint received 2023-05-05
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: U.S. BANCORP (CA)

I had several credit inquiries conducted on me recently, and a credit line was opened using my name, but NOT BY MY REQUEST, apparently were identify theft issues. These credit inquiries were from : XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 A charge card account was actually approved by the XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/2023, and a request to change mailing address for this fraudulent account was submitted by the offending party. I have contacted XXXX to request the account be cancelled.
Consumer complaint received 2023-09-05
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. (TX)

my personal information was used without my permission to open fraudulent bank accounts and bank inquiries. I have contacted the consumer financial protection bureau, police department, and consumer banking reporting agencies XXXX XXXX XXXX XXXX XXXX and Clarity Services to notify them of the unauthorized activity that needs to removed per federal law FCRA 609. 

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 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 2023-03-21
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUT # XXXX, XXXXXXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX, TXXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXXXXXX XXXXXXXX  ACCOUNT # XXXX has violated my rights 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 a account without my written instructions
Consumer complaint received 2023-12-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed an unemployment benefits claim for the pandemic and I was told that I didn't qualify, I later found out that the claim was indeed approved and someone had been receiving benefits on my behalf dating back from 2020. I tried to get in touch with the edd to file a claim and was told that I was under investigation for fraud. I tried to explain my situation to the bank of America and I since been receiving letters that the claim was approved in my favor but I have not received anything but yet I have statements stating that the money was spent. Apparently someone with all of my information was contacting the bank and acting as if they were me and was changing the information on my account and email and online account info. I have been defrauded of my benefits of the pandemic unemployment benefits claim and for my recent unemployment benefits claim because the claim was put on the same account as the pandemic account and I have spoke to Bank of America and I have tried to get them to close the account and open a new account to solve the issue but I was told that I needed to get ahold of the EDD to get a new account. My account is still being spent and I am still without the money from the two unemployment benefits claims.
Consumer complaint received 2023-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (CA)

Collection Bureau of America Account number XXXX XX/XX/202XXXX XXXX  XXXX XXXX and XXXX Contact info phone number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I pay for about less than XXXX dollars of Gas and Electricity monthly and I have XXXX and the reason that I have medical is because I have low income. 
Its impossible for me to have and live in XXXX apartment that I have to pay more than XXXX per month ( XXXX ). 
How I said before for XXXX, I am a victim of an XXXX XXXX. 
XXXXm submitting pictures of my bill of gas and electricity.
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

A tree fell on my home XXXX of XXXX, I still am out of my home. The lender placed insurance has been negligent and I received no funds from them. This forced me to pay my storage, pod, and rent ( so, I wasn't homeless ). After getting an attorney a miracle happened and they sent more money. The hold was not removed from my bank account until a couple weeks ago. I was under a trial plan for 90 days. I made the first payment. I was calling to make 2 payments and they refused to take my money. The end of XXXX would have been 90 days. So, they should have taken my payment. 
So, now I get to fight again to get my home. I need to get a trial of 90 days started again with my mortgage. I'm very disgusted to say the least. The insurance company only sends XXXX at a time. At this rate, with my monthly expenses due to being out of my home. It's going to take forever. This is all a big waste of money that I guess they can write off??? I need another trial period of 90 days with my mortgage. 

It makes me ill just writing about this. I really need some help! PLEASE!!
Consumer complaint received 2024-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (MI)

I launched my business in XX/XX/2024 and almost immediately encountered significant issues with Square. From XX/XX/XXXX to XX/XX/2024, the business generated {$13000.00} in transactions. However, Square then restricted my ability to process payments, stating that my funds would be held for 180 days unless my customers initiated refunds themselves. Despite a customer attempting to initiate a refund on XX/XX/2024, Square canceled this transaction at XXXXXXXX XXXX. It has now been 90 days since the restriction began, leaving my business crippled and plunging me into debt. Repeated attempts to address this situation through emails, calls, and chat have been unproductive. The representatives consistently state there is nothing they can do but wait out the XXXX period. Meanwhile, my account displays a balance with upcoming nightly transfers totaling {$13000.00}, yet all transfer attempts are met with a message stating they are " currently unavailable, '' effectively locking me out of my funds. Each effort to resolve the issue has led to being either ignored or shuffled between different representatives without any resolution.
Consumer complaint received 2023-08-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/2021, I applied for a home mortgage with Truist Bank. 
Truist provided a Loan Estimate on XX/XX/2021, with Estimated Closing Costs of {$13000.00}. 
On XX/XX/2021, Truist notified me that I was required to complete and pay for septic repairs as estimated by XXXX XXXX XXXX in the amount of {$7700.00}. 
Truist provided a Closing Disclosure on XX/XX/2021, with Closing Costs of {$11000.00}. These closing costs included my payment of {$7700.00} to XXXX XXXX XXXX, and a credit of {$7400.00} for increase of Closing Costs above legal limit. 
I contracted with XXXX XXXX XXXX to complete the septic repairs, the repairs were completed and I paid {$7700.00} to XXXX XXXX XXXX by XX/XX/2021. 
We settled the mortgage and purchase of the home on XX/XX/2021. At settlement, Truist did not include my payment to XXXX XXXX XXXX as part of my closing costs. By doing so, Truist increased my closing costs above the legal limit, did not account for it, and avoided giving me the required credit of {$7400.00}.
Consumer complaint received 2023-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

I make my monthly payments to Hyundai Motor Finance and 3 of the 9 payments I have made has been returned stating that the payment did not go through. Each time I am required to pay a fee for the payment not going through. I pay all of my bills with the same account information and Hyundai Motor Finance is the only company that habitually returns my payments. I have repeatedly asked them to rectify the problem and they have refused. I do not want to continually make payments for them to be returned requiring me to pay additional fees that I should not have to pay.
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd. (TX)

AN AGENT FOR XXXX CALLED ME TO MY PHONE NUMBER XXXX FROM THEIR PHONE NUMBER XXXX. THE CALLER WAS ASKING FOR A WOMAN. I DO NOT KNOW HER. I ASKED THE CALLER FOR HIS BUSINESS NAME AND ADDRESS. HE REFUSED TO GIVE ME THEIR INFORMATION. HE TOLD ME HE WOULD CALL ME BACK AND GAVE ME THE SILENT TREATMENT. WHEN I TOLD HIM I COULD HEAR HIM BREATHING HE HUNG UP ON ME. I CALLED THE NUMBER BACK AND COMPLAINED ABOUT THIS SITUATION. I SPOKE WITH XXXX AND SHE TRANSFERRED ME TO A SUPERVISOR XXXX XXXX. I LEFT HER A MESSAGE ON HER VOICEMAIL. THEY VIOLATED THE TBCC AND TCPA BY CALLING WITH THEIR ADAD AND ADTS PHONES. MY NUMBER IS REGISTERED ON THE TEXAS NO CALL LIST AND THE DNC REGISTRY. DO NOT CALL ME ANYMORE.
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (OH)

I sent a second certified dispute to Equifax, XXXX, and XXXX on XXXX regarding an unverified account on my credit report. XXXX XXXX XXXX is on my credit report the credit reporting agencies claimed was verified. I did a direct dispute with the creditor as advised by Equifax only for the mail to be returned. This also is a medical debt that is below {$500.00} and under the Medical Debt Rule, it should not be reported.
Consumer complaint received 2023-09-25
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (IL)

XXXX recently implemented changes to data availability to third-party websites, apps, and data aggregators. Rather than allowing third-parties to scrape their data, they are instead now funneling all of that to XXXX, which was at one point their own firm that they spun off and are heavily invested in. 

With this change, XXXX is taking choice out of the consumer 's hands when it comes to data aggregators and forcing them to use aggregators that XXXX itself has a vested interest in seeing succeed.
Consumer complaint received 2024-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-08-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (CO)

I am very protective of my identity as I noticed this collection was added to my credit reporting with all three bureaus. First you guys are falsely reporting information that does not belong to me. You have a different name that does not belong to me. An address attached to that collection does not belong to me. This must be removed immediately before I have to take legal actions against you guys for false accusations. I have researched and reached out to the original company, XXXX, and they have no records of me ever having service with them thats associated with my social security number. You guys cant be threatening people with information that you assume can be theirs. You cant pick and choose who the collections belong too. This account was also falsely open without my permission and my social security number was never used for my identity protection. If you can not prove that this is me, remove this account immediately or I will have to service the next step into legal actions.
Consumer complaint received 2023-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX ran my credit when there was no need to, bank representative ran my credit which in fact has ruined my credit because of inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I need removed due my credit literacy I didn't know this would hurt my credit, and that it has done.
Consumer complaint received 2023-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

Below is a copy of the story ( I've typed it out way too many times, so I created this copy and paste version. ) There is more evidence and transcripts I can provide, it would be too much to include and type out. I'd be happy to walk through everything that happened on the phone too. 
-So I went to transfer {$2900.00} from my Venmo account to my XXXX XXXX  account on XXXX  the XXXX. The transfer never went through for some reason. So I did it again on XXXX  the XXXX. Some glitch happened on Venmo, where it simultaneously sent the money, and yanked it back via an " add funds '' transaction. So the money was effectively missing. I contacted XXXX, they told me it was Venmo. Venmo can't seem to wrap their head around the issue, and keep trying to think I'm confused and thinking that I accidentally used the " add funds '' feature ( which can't be true, otherwise the {$2900.00} would of never left the account ). Anyways, I've been emailing with Venmo trying to figure out where the money is. ( They don't have a phone number listed. So even in a emergency, you can't contact them quickly. That is a major problem for a financial institution. ) I repeatedly told them NOT TO LOCK MY ACCOUNT. Finally on XX/XX/XXXX the money appeared around XXXX in my Venmo account. The 5 hours later, XXXX, I get a email saying they locked my account for suspicious activity. But upon logging into the app, it says it's locked for violating the acceptable usage policy. Which is it? 
Now I have $ XXXX I can't touch ( plus all future money scheduled to be deposited in that account ), all because Venmo is punishing me for daring to get mad say the issue was caused by them/their app. I need my account unlocked IMMEDIATELY! I have to pay my rent, it's over due. I literally told them at least 6 times, not to lock my account. This is very unacceptable to block MY MONEY from ME!!!! I'm literally crying now because of all this. It's like a bad dream. My money dissappear, while I have debts to pay, it finally shows back up, and before I can pay my bills Venmo locks my account up. I will be closing my account as soon as reasonably possible possible. But my payroll checks get deposited in my Venmo account. So now I can't even get paid from my job. Unlock my account now!!!!! ( this is all after a whole different issue I had with Venmo. So I think they are punishing me. Which is very illegal. I have transctipts/evidence of everything in my claim. ) '' I think they are retaliating against me for " yelling '' ( typing in uppercase ) and getting mad at them for my money dissappearing. Which I think anyone would be mad and emotional in that situation, having all their money taken/locked from them. They literally locked my account at the exact moment to inflict maximum damage. The locked it right as the account had the ( almost ) the most money it has ever had in it ( $ XXXX ).
Consumer complaint received 2023-08-05
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. (NV)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.
Consumer complaint received 2023-12-24
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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX, not later than XXXX XXXX days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of XXXX XXXX! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS XXXX XXXX. As a consumer I am demanding the deletions listed IMMEDIATELY!
Consumer complaint received 2023-08-05
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: WELLS FARGO & COMPANY (PA)

Wells Fargo account is on credit the address is in California I am in Pennsylvania. I have never opened or used this account. My social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX.
Consumer complaint received 2023-08-05
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. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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