davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Property Receivables, Corp (CA)

An unknown suspect obtained my name and Social Security number by unknown means. The suspect then used that information to rent an apartment with XXXX XXXX at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ( Phone # XXXX ). That account was then sent to collections with an agency called Property Receivables Corp which is located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( Phone # XXXX ). The company that rented the apartment to the suspect was contacted and advised that the account is unauthorized
Consumer complaint received 2023-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX, XXXX, and XXXX, all in violation of my rights according to USC 1681 A 3 my medical inforomation was shared with a 3rd party to whom i know no knowledge of the company is ( Account resolutions services ) the open date is XX/XX/22. I Would like this account to be removed immediately.Because of this my credit has been affected and has caused emotional distress.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

Have had Citi Master Card since XXXX, now called XXXX XXXX XXXX. 
Minimum payment due on XX/XX/XXXX was {$49.00}. Cardholder ( me ) paid {$200.00} on XX/XX/XXXX. I had XXXX starting XX/XX/XXXX so I was quite ill, but I know the pandemic is now over. On XX/XX/XXXX, Citi Bank charged me a {$41.00} late fee. They have been inflexible on a prior late fee, so I know they are inflexible on this fee. Need CFPB to continue pushing for laws that limit ridiculous, egregious late fees and/or base late fee on number of days late, ie. being late one day is a minimal fee, being late 10 days is a higher fee, etc.
Consumer complaint received 2023-12-27
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

XX/XX/XXXX Made an accidental {$130.00} payment on a XXXX balance Best Buy account. 
XX/XX/XXXX Sent notice of overpayment and requested return of funds. 
XX/XX/XXXX They asked for dollar amount and date -- I submitted both. 
XXXX  They asked for an XXXX XXXX XXXX XXXX report. 
XX/XX/XXXX My bank was unfamiliar with that report but I did try to send them a file and a cut and paste from my account but the website would accept neither -- asked for an email address. 
XX/XX/XXXX Informed them because of their lack of response I would have to file with appropriate state and federal bureaus. Said I would wait for response until XX/XX/XXXX. No response. Note : Their own website shows the payment being made on a XXXX balance account. Very odd. 
Thank You
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

I located XXXX XXXX XXXXXXXX on XXXX. I booked, via direct messages on XXXX and phone call, a tour. I was asked to pay the deposit to hold the requested dates, via Western Union, to XXXX XXXX. I sent the cash via Western Union and it was picked up. I did not receive a confirmation and the company profile is no longer on XXXX and they are not answering any of my calls.
Consumer complaint received 2024-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (NJ)

I am writing to dispute a debt that has been reported on my credit report. According to 15 U.S.C. 1692g ( Validation of Debts ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a validation of the debt. I have no recollection of this debt and was not provided an opportunity to dispute it as required by law. 

If the creditor or collection agency believes they have given me proper notification of this debt, I request that they provide proof of this notification. Specifically, I am asking for the certified mail receipt with my signature that verifies I received such notification. Without this documentation, the debt should be considered unverified and should be removed from my credit report.
Consumer complaint received 2024-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (AZ)

I am writing to express my frustration and disappointment regarding the unresolved matter of a collection account on my credit report. According to our previous correspondence and agreements, this account was scheduled to be removed from my credit report over two months ago. Despite numerous attempts to reach out to your company via email, I have not received any response or resolution to this issue. 

The collection account in question is XXXX XXXX. Per our previous discussions and agreements, it was agreed upon that this account would be removed from my credit report once the necessary actions were taken.I paid the balance off on XX/XX/XXXX for {$120.00} agreed upon by XXXX XXXX However, despite fulfilling my obligations, the account remains on my credit report, negatively impacting my credit score and financial standing. 

I have made every effort to communicate with your company regarding this matter, but the lack of response and resolution is unacceptable. I expect prompt action to rectify this situation and ensure that the collection account is removed from my credit report as agreed upon. 

I kindly request that you provide written confirmation once the account has been successfully removed from my credit report. Additionally, I expect a response to this letter within [ specify a reasonable timeframe, e.g., 14 days ] to acknowledge receipt and outline the steps being taken to address this issue. 

Failure to resolve this matter in a timely manner may result in further action, including formal complaints to regulatory authorities and legal recourse. 

Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution.
Consumer complaint received 2023-12-25
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc. (KS)

XXXX XXXX XXXX sent me a debt letter claiming I owe them a balance. Reference : XXXX, demanding a response by XX/XX/year>. 

I dispute this debt as the result of identity theft, including the theft of my government issues ID card. I demand that XXXX XXXX XXXX fully investigate this debt and provide proof of their investigation. I also demand live security video proof of the person using my ID at the original creditor. 

The entire premise of my dispute is that someone used my stolen ID card without my authorization with the original creditor. XXXX has been unable to provide proof of any investigation that I owe this debt and has only attempted to provide the ID used at the original creditor, which is further proof of the ID theft as that was the stolen ID card.
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

Based on my credit report the account was falsely opened in 2021 at XXXX. The only interaction that I had with this club was a free trial. To acquire a free trial I had to provide first name last name and Identification and sign for the trial, this was explained to me by the front desk person at the time. 

I never agreed, or signed any binding contract beyond a trial basis. 

The company Allied is now collecting for a debt that I simply was not aware i ever acquired and says that it is for XXXX XXXX month term. total amount owed was XXXX I have never made and payments towards this balance because I was under the impression it was only a trail. I had decided that the XXXX wasn't for me after XXXX day trial and i didn't want to sign up for a membership. 

This account was opened on false pretenses of a trial and was a bait and switch situation. I was mislead in the trail and now they are repotting to my credit
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I used auto debit from my checking account tied to my credit card, which the card was from the same bank. At various times I would change the amounts auto debited to pay my credit card bill. Unbeknownst to me the new amount would not cancel the old amount so they would stack on top of each other. I was dealing with my dads health issues so I didnt realize what was happening. Then it just became a vicious circle of them taking money out of my checking account, putting me in the hole then they would take cash out of my card to put back into the checking. And all this time Im paying all this interest and fees, just a merry go round of money. When my bank was Suntrust the new auto debit I would select would cancel out the old auto debit. Apparently Truist changed it up. They told me thats not the way it works. I was dumbfounded how they go about auto debit to make payments. I have all the old account records from the day they became Truist. Closed out account on XXXX  and theyre still saying I owe them money. XXXX bank!
Consumer complaint received 2023-06-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (OK)

Credit karma took over XXXX and with it they took over my account. 

They keep sending me things to create an account with credit karma ( I refuse ) my account had been closed since the Start of XXXX. 

Multiple phone calls all end with them saying they can't direct deposit into any of the provided bank accounts. And they also can't mail a check. They say my only way to get my money is to open an account or wait for an email ( which they haven't replied in over 2+ weeks ) and that they escalated my profile. I think they're doing this to many customers. 

I have no signed paperwork with credit karma. They are holding my money ransom to force me to open an account. It's deceptive, and it needs to stop. 

It's been XXXX weeks since I told them to send my money via check ( they replied they can't send checks ). 

I provided XXXX different bank accounts and routing ( they state there is an error with their system so they can't deposit ) I've reached out via email Multiple times a week since XXXX and Multiple phone calls. 
They will not give me my money. Please help.
Consumer complaint received 2024-02-01
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. (MN)

I have a number of Vanilla brand Visa Gift Cards that were puchased in XXXX of XXXX and XXXX of XXXX. The ones I've tried to spend at retail stores have all failed. When I check the balances on the cards, it shows their full balance is available, but no matter what store I try to use the cards at, it fails to authorize the purchase. This even happens when trying to spend much less than the balance on the card ( e.g. a XXXX purchase on a XXXX balance card ). I've tried this with multiple cards over multiple days and keep getting the same result where the transaction is declined. Their website says to try using the card at a different merchant, but when I do that it still gets declined ( both in-store and online ). 

It appears this is widespread, as I'm reading about other people having the same problems. Is Vanilla doing this intentionally? The pack the card came in says " Card may be used in the US and District of Columbia everywhere Visa debit cards are accepted, '' but clearly they're not honoring that. They have effectively stolen the funds on all of these cards from me.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America continuously debits my account for a reversed dispute on an old account that they are trying to collect on. They continue to take any direct deposited funds from my account and place a hold on them before taking them to apply payment to the negative account without my permission or consent. I receive XXXXXXXX XXXX  and have to account for all monies spent/debited and this is not an approved task per the policy. I have consulted with Bank of America several times about this and expressed that I was a recipient of XXXXXXXX XXXX and their response was that there is nothing they could do. Current date XX/XX/2023 deposit amount {$97.00}. Bank of America debited amount : {$86.00}
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (VA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Linda Strumpf (CT)

Lawyer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX I completed payment for a debt via wage garnishment which completed on XXXX.After waiting XXXX days for information on judgment satisfaction, I contacted the debtor. They indicated the full amount was not collected. I contacted the state marshall indicated on the judgment and the marshall confirmed the amount was paid but said there may be accrued interest. No statement, or details have been provided. It is now XXXX and I still don't have any statement to validate funds owned.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

I had my money deposited on XX/XX/XXXX from XXXX XXXX app And on XX/XX/XXXX I tried to withdraw my money instantly and it did not work then I tried to withdrawal my money standard and it went thru but was saying pending for 2 days and my account got frozen instantly then on XX/XX/XXXX my money returned to my Venmo account. I THEN GOT a email saying my account was permanently closed and I have sent in multiple emails and called them multiple times and no one is helping or explaining to me why my account is permanently closed I just need my money
Consumer complaint received 2024-01-21
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. (TN)

In accordance with the Fair Credit Reporting Act this creditor : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604A section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b, 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 2024-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NJ)

I was a victim of fraudulent activities and Wells Fargo is refusing to credit me the money back. Scammers were able to go into my account, they transferred {$39000.00} from XXXX of my savings accounts into my checking account and made approx {$19000.00} worth of transactions at a USPS postal service and WF denied my claim. They blamed me for thinking I was talking to a WF agent but I was being scammed and now they deny my claim and refused to pay me back. They basically blame me for believing I was talking to a real agent, but the scammers were using a ghost app and on my caller ID, it read " WELLS FARGO '' with a phone # that goes back to an actual WF branch. I have been through my local PD as well as the postal PD because the transactions were all made through the USPS and yet, WF is claiming that it is my fault for giving my info to the scammers, that I believed was an agent. I had never been through anything like this. I was not aware that I was being scammed. The so called agent, told me about fraudulent activity on my account and while I was on the phone with them, I checked my account and there were transactions that I had indeed not done myself, so I believed them when they called me because the proof was in my face. Little did I know that they did those transactions themselves, to lead me into thinking they were helping me when in fact they were getting ready to scam me for all of my money I had in savings. As i gave them info, thinking they were helping, they broke into my accounts without WF stopping them or showing any red flags and they were able to steal {$19000.00} from me within seconds.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Comerica (TX)

On XX/XX/2022, I entered Comerica Bank, located in XXXX, Texas with all of the pertinent required credentials to open a business checking account. I presented to the banker my EIN Documentation, XXXX Documentation ( Filed in XXXX XXXX ), and my unexpired photo identification ( Texas ID ). I explained to the banker, my XXXX is in the name of XXXX  versus the EIN in the name of XXXX XXXX. It was at that time I explained to her I am in the process of incorporating and the name of the company will be registered as XXXXXXXX XXXX  XXXX XXXX. Assuming everything was okay, I signed documentation for the newly opened account. If there was a problem at that time the banker was in possession of my identification, to include company documentation, and was privy to my social security number, could have easily utilized my SSN rather than the EIN to establish the account. On XX/XX/2022, I received a phone call informing me the account was closed, with no adequate explanation given. I was told, my identity could not be verified, then I was told there was problem verifying my company, and still Comerica have yet to provide me with an adequate explanation as to why I was denied the opportunity to open a business account. I cant help but feel that my XXXX  may played a part in how I was treated, which brings into question, how people of XXXX are treated at Comerica Bank.
Consumer complaint received 2023-07-15
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (MO)

I reached out to this company numerous times, said they have no account on file, yet it clearly shows on my credit report. 

They responded : " Waypoint is unable to locate an active account in the name of the consumer for. The address, email, and telephone number our not in our database. If the consumer could provide a complete account number or other demographic information Waypoint will search for the account at issue, however we are unable to locate the account with the information provided. Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' They are reporting on my account when they can't even locate me???? I have pictures buddy.
Consumer complaint received 2024-02-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (IL)

In early XXXX, maybe around the XXXX or XXXX, I received a new credit card from the Home Depot in the mail. I thought it odd I got a new card. Upon further inspection, I noticed that the new card had a different account number than my original card. I went online to check my account and noticed new charges that I did not make. I disputed the charges online. Then more charges occurred so I reached out by phone to discuss the issue with Home Depot customer support. After talking with one of their security representatives, I found out that charges had been made on my actual account and disputed those. Additionally, this new account had been opened in my name without my knowledge and was being charged as well. I was told that the accounts would both be closed and investigated. The charges on my original account were reversed. However, on XX/XX/XXXX, I received a letter from Home Depot saying that the new account was determined to be my responsibility and I would need to pay those charges. I intend to file an appeal. I have frozen my credit and placed a fraud alert for one year on my credit as well. I also filed a police report about the suspected Identity Theft. However, I read that I should file a report with CFPB, especially now that Home Depot is attempting to hold me responsible for a credit card account that they allowed to be opened fraudulently using my personal information.