davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (AZ)

I received a call this evening from a man named XXXX, # XXXX He claimed he was checking into charges to XXXX and XXXX using the last four of my SS number which he had correct. He claimed he would stop all charges made to my number. He said he would call me back tomorrow and claimed to be from your agency and gave me your XXXX number. I obviously have concerns that this is some type of scam. In the last month I had a claim I had won a large sum of money from XXXX XXXX XXXX!! I DID NOT give them any numbers. They called me several times.. then made me open a new checking account..then asked me to get cards to the tune of {$870.00}. I said NOPEXXXX  you send me the money.. I'll pay the taxesXXXX they stopped calling. It just worries me that he knew the last 4 of my SS number.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc. (FL)

The management at XXXX XXXX agreed upon a written amount for my wife and I to pay for terminating our lease early. 

My wife and I obliged and were paying the agreement via the rent portal as agreed. 

*Management claims they never received the payments for XXXX or XXXX. 

Look at the photos and decide for yourself. We carefully redacted our information for obvious reasons. 

**We paid for XX/XX/year> and XX/XX/year> in the amount of {$2800.00}. 

***The amount was not credited toward the early termination fee of {$4800.00}. 

The management at XXXX XXXX inappropriately reported the amount to their debt collections company. 

XXXX XXXX management, XXXX and XXXX, said we must speak with the collections company PDM INC to fix the account balance issue. 

Eagerly we called and .... XXXX at the collections company PDM INC said to speak with management about the account balance issue. Nothing was resolved. 

My credit score is suffering and I was declined for two much needed loans. 

Thank you for your precious time. 

P.S. Any attorney who would like to advise myself, a fellow XXXX vet, reach me please.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NH)

Hello My company name is XXXX XXXX and I was using Wise Bank but they deactivated my account and did not reactivated it. Rather they said to provide other Bank details of the similar company so they will send the funds to it. 

I applied for the amount transfer on XXXX XX/XX/2024 but still I have not received the amount in my other XXXX XXXX XXXXXXXX account of XXXX XXXX. 

Company : XXXX XXXX Bank Account No : XXXX Routing No : XXXX Please help me recover it. 

Regards XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation (SC)

for over 4 years i have been trying to remove this off my credit report but they just refuse to remove it off my report, this was fraud because i never signed a credit report my next step is a arbitration because this was fraud and its been reported but they refuse to remove this off my report i never received a loan from the is credit central company please have them remove me
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (OH)

XXXX XXXX services which is trying to collect a debt for LVNV funding LLC has continued to use deceptive practices by sending me emails every other day and also calling me at least 2 times per day and also sending me text messages that I have records of. LVNV Funding LLC can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX for the cancelled debt of { { {$2500.00} } } in order to file as ordinary income. LVNV funding has illegally reported an alleged debt to my consumer profile. A charge is considered a certificate of indebtness and which means it is income and must be removed off my credit report! All the violations will be sent in the uploaded documentation. 
Violation of 15 usc 1692.
Consumer complaint received 2024-05-04
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA (FL)

I took out a Parent PLUS Loan for my son, totaling {$44000.00}, to support his education at the XXXX XXXX 's online division. Additionally, I borrowed {$22000.00} for my own XXXX school. These loans were then transferred and consolidated. The Parent PLUS Loan was first transferred to XXXX on XX/XX/XXXX, where I paid a total of {$23000.00}. It was later consolidated with the XXXX school loan into a private loan with Mohela/XXXX XXXX resulting in a consolidated amount of {$70000.00}. This consolidation effectively converted my federal loans into a private loan, which now requires me to pay a total of over {$94000.00} ( with the XXXX I already paid ) for what was originally {$67000.00} in borrowed loans. 

Additionally, the Biden administration has recently announced {$6.00} XXXX in automatic student loan relief for approximately XXXX former students of the XXXX XXXX. The U.S. Department of Education stated that relief would apply to those who enrolled at any XXXX XXXX campus between XX/XX/XXXX, and XX/XX/XXXX, and would automatically pause payments for eligible borrowers. My son attended XXXX XXXX XXXX during this timeframe, so the forgiveness should extend to the XXXX XXXX portion of my consolidated loan. 

I believe my Parent PLUS Loan should also qualify for forgiveness. XXXX XXXX XXXX is now permanently closed, and other borrowers have received relief for the federal portion of their loans due to the settlement. I believe the forgiveness should extend to XXXX XXXX XXXXXXXX portion of my consolidated loan as well.
Consumer complaint received 2023-11-15
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-06
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OK)

I produce music and I was purchasing a beat placement from an artist, which is completely normal. On XX/XX/XXXX, I sent {$5000.00} via cashapp and was promised the songs and money back by XX/XX/XXXX, and I have yet to receive any services or payment, I have provided screenshot proof in the attachments below. This individual told me if I sent him {$5000.00} I would receive a check in the mail from his music label by XX/XX/XXXX and a music video to compensate for the work we both put in, and now this individual is ignoring me and not providing the service promised or the money back. He claimed the check was lost in the mail and if I sent {$2000.00} more it will be on the way, which is clearly not true.
Consumer complaint received 2024-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (GA)

Complaint to the CFPB Regarding Paramount REC I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Paramount REC for violating my Fair Credit Reporting Act ( FCRA ) rights. 
Here are the details of my complaint : Paramount REC is sharing my medical information without my consent. I have never authorized anyone to share my medical information with a debt collector. 
I did not receive a five-day disclosure letter before debt collection began. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a written notice disclosing the debt and your rights within XXXX days of initial contact. 
I was unaware of this debt and had no opportunity to dispute it. I never received proper notification of the alleged debt, hindering my ability to chalenge its validity. 
Paramount REC has not provided proof of proper notification. I request a certified receipt with my signature to confirm receipt of any communication regarding this debt. 
The FDCPA states that debt collectors must provide accurate information and follow fair collection practices. By fialing to properly notify me and share my medical information, Paramount REC has violated my rights. 
Furthermo under the FCRA, you only have XXXX  days to respond to a debt validation notice, not XXXX days. Silence is not considered acquiescence. 
I request that the CFPB investigate this matter and take appropriate action against Paramount REC. This may include requiring them to cease communication, remove inaccurate information from my credit report, and potentially compensate me for damages. 
Thank you for your time and attention to this matter. 
Sincerely, [ XXXX XXXX XXXX ] Please note : ID and proof of address
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (WA)

Hello My bank account was suspended by Wise Bank. When I appealed so they informed me that the account could not be reactivated however they asked for a different bank account on my same company to transfer the stuck amount. 

The transfer was applied on XXXX XX/XX/year> but still, so far we have not received our amount from our other bank which is XXXX XXXXXXXX XXXX. 

My company name is : XXXX XXXX Account : XXXX Routing : XXXX Wires : XXXX Please kindly help us recover the amount. 

Regards XXXX
Consumer complaint received 2023-11-15
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WA)

We went through the whole process and I got the final approval. However, in the final paperwork I found out that my fees increased by {$2600.00}, and there was no notice or communication from my loan officer. When I finally got hold on my mortgage officer ( on the day I was supposed to sign ), she explained that the change is due to the fact that my property is formally considered a condo, not a townhouse - and it 's my fault that I did not know the difference and mislead them. 
In my case, the lender knew that this was a condo from the appraisal report that came 20 days ago. 
Looking back, I realized that the lender never gave me the actual rate lock document, just the itemized fee worksheet.
Consumer complaint received 2023-10-09
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. (NJ)

Issue number one. Charges made on my Home Depot card. Contact Home Depot was issued a new card. Thought it was an isolated incident and moved on. Issue number 2XXXX received a letter from Best Buy credit services. They informed me that my credit was denied. I did not apply for a Best Buy credit card.
Consumer complaint received 2023-06-06
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-09
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. (TX)

I requested that a few accounts on my credit file with Equifax be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent XXXX follow up letters on XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (GA)

My account, ending in ( XXXX ) was compromised, whereas someone disputed my valid transactions & I disputed the FRAUDULENT DISPUTES! I received a provisional credit, in the amount of {$7800.00}, to make good, on the valid transactions, that were disputed, fraudently! However, there was a XXXX transaction, that obviously wasnt disputed, by CitiBank, as fraud, considering it wasnt handled, like the other transactions. I pleaded with Citi, via phone/email/internet/fax, to correct this, but they would not! The transaction should have been reversed, as there should be nothing, for me to provide, considering the initial dispute, that was disputed, by me, was FRAUDULENT! One of your staff members handled this, as a regular dispute, though it was fraudulent! Please fix this, as my account is closed, with a negative balance of {$2700.00}! I would appreciate it, if my account were reopened, as it should have never been closed, Also, Id like to be compensated, for damages, as this caused a trickling effect of derogatory situations, for my children & me! Thank you!
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (RI)

Good morning, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX  # XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things still on my credit that are incomplete and not accurate. I received a letter from the creditor with an inaccurate balance, and they did not do the proper investigation, I would like this account removed or deleted, because its hurting my credit score & ability to get credit, and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any 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 2024-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NJ)

Credit card debts were charged off. Bought by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX illegally. I did not received validation of debts. Asked numerous times. Debts placed in judgements. Harassed my employer, garnished my wages and my federal and state refunds without my knowledge.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I have reached out to XXXX XXXX XXXX XXXX # XXXX and LVNV Funding # XXXX numerous times concerning the Per Federal Law, to complete 30 days to complete a investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ), to verify through physical verification of the original signed consumer contract and / or judgments. I have sent certified letters and never received the proper documentation that I request from XXXX XXXX XXXX # XXXX and LVNV Funding # XXXX, that are reporting on XXXX, XXXX and XXXX. I have enclosed the documents that I mail out to the bureaus. If they can't see me the documents, please delete from my credit reporting.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Hello. I have a XXXX XXXX  checking account with Chase. On XX/XX/XXXX, I was charged almost {$500.00} from an electrical company located in XXXX. I disputed it with Chase immediately and was given a new card. I was temporarily credited that money. Fast forward to today, XXXX this money was charged back to my account and my claim was denied. They told me that because my token ID was added to the account they believe I approved the transaction. I had never heard of the company. They claimed my XXXX  wallet had been used for multiple other charges previously and been approved. Once again, I have never purchased anything through this company. So, they will not give me back my money or help me to do prove it. Below are screenshots proving that I was not located in XXXX on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a credit card with capital one, I was maybe a few weeks behind on my payment. I paid my balance in full and even paid over the limit. I never received notification and they closed my account out with explanation nor notifying me prior.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'd like you to remove some information that isn't mine from my credit report as soon as possible. I've lodged a Identity Theft report, which I've attached to this letter, alleging that these accounts are not mine and that my identity might have been stolen. 
I've included a list of the accounts in Identity Theft report. 

I'm not sure how these charges ended up on my credit report, but I never approved or consented to them. I have no idea who provided you with this information! I'd like a screenshot of whoever says these accounts are mine because I do not recognize them.