davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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. (VA)

XXXX XXXX XXXX has reported that this is in the court -court name XXXX XXXX Services Docket number 0564 month filed XX/XX/XXXX Consumer Portfolio Docket number 7555 month filed XX/XX/XXXX Credit XXXX XXXX XXXX XXXX Filed XX/XX/XXXX on XXXX XXXX I went into my bankruptcy lawyer office to have him do a data base search on the company to found out there is nothing in the court system under my name and even in there state there is nothing in court for me or in my state where I live there is nothing the only thing that is Docket number XXXX Court name XXXX court Eastern Month Filed XX/XX/XXXX balance XXXX so I need this to be investigated with law enforcement and the fraud department to find the docket number and which the company has listed and filed in court there not judgment or lien found in my court where I live from any of those companies
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

Citibank reopened my credit card account without my consent, posted an annual fee of {$110.00} and then harassed me daily to collect it. 

I closed my credit card account with Citi over the phone in XXXX and confirmed that the annual fee would be waived and there was {$0.00} balance on the account. I then started to get automated collections calls every single day about an over due balance. I spoke to a representative several times and they assured me that the account was closed and that the annual fee would be waived. 

Finally on XX/XX/XXXX, I asked for a cease and desist and that they stop contacting me about my account. They then informed me that a credit card was reissued after I requested my account me closed in XXXX and it was in fact re opened without my consent. When I asked to formally close my account again and for written email confirmation of what was discussed on the phone and confirmation that my account was closed with a {$0.00} balance the representative on the phone told me that she would not provide that and a letter would be mailed in 7 - 10 business days.
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (VA)

I am writing to formally address a persistent issue following the closure and payment in full of my American Express Gold card in XXXX XXXX Despite the closure of the account, I have been continuously receiving unwarranted calls and encountering erroneous charges purportedly associated with usage fees on a card that was formally canceled and closed. 

I have diligently engaged in multiple discussions with representatives, all of whom assured me that the erroneous charges would be rectified and confirmed the closure of the aforementioned card. Regrettably, these efforts have not led to the cessation of these unwarranted communications and charges. 

This situation has become increasingly burdensome and has caused significant inconvenience. I am compelled to express my deep dissatisfaction with the ongoing nature of these issues, despite my repeated attempts to resolve them. 

I kindly request an immediate and definitive resolution to this matter. Additionally, I seek assurance that no further charges will be levied on an account that has been officially closed and settled. 

Please treat this matter with urgency and provide me with a comprehensive resolution within a reasonable timeframe. I appreciate your prompt attention and cooperation in addressing this issue.
Consumer complaint received 2023-12-29
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)

XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX  PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT ASAP, THESE INQUIRIES WERE NOT AUTHORIZED
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

On or around XXXX, First Citizens Bank ( FCB ), participated in the unlawful removal and transfer of funds from my bank account at their XXXX XXXX branch in XXXX XXXX. These unlawful acts involved the State of California Franchise Tax Board collecting what it considers funds owed it for XXXX income tax purposes. The order was invalid as no notification was provided whatsoever to myself, and the due diligence by the FTB was incomplete and a huge shortcut was taken by the FTB in failing to notify the account holder, myself, about any type of levy whatsoever. This makes the transfer of funds unlawful and FCB was alerted to this fact by myself, and chose to act in a felonious manner, regardless. Further, FCB could have verified the information it received, and should have, with minimal effort but made the decision not to and because of this misconduct, First Citizens Bank has involved itself in unlawful banking behavior. Completely unacceptable, this bank does not give a hoot about its customers to the point of helping their accounts get looted. This type of nonsense might fly in NC but this is corrupt California things are different.
Consumer complaint received 2024-05-28
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: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX - Wells Fargo refused my request to charge back a bogus charge by a financial company for {$7000.00} for BUSINESS CAPITAL -- Not Credit Cards. The company advertised up to {$150000.00} in Business Capital for that XXXX fee. On XX/XX/XXXX which was the first day that the financial company starting the process, I recognized they were simply applying for credit cards using my credit score and personal information -- I told them on the spot -- this is not what you advertised nor is this Business Capital -- it's creditr cards! They said they work with companies that can get capital off of the credit cards -- I said oh noooo, I need capital not credit cards. We go back and forth and the company wants to haggle over why credit cards is better or the same as capital -- I cancel this order over the phone and in writing. I then call Wells Fargo to dispute this 1 day old charge and Wells Fargo tells me no!!!!! They say I need to file a police report about this matter! I tell them, that's absurd. I have the right to deny a charge -- especially within 24 hours for sure. 
It's not like I have received anything tangible. Surely no capital in 24 hours. Wells Fargo tells me too bad so sad. Since this initial XXXX interaction with Wells Fargo, they have ( Wells Fargo ) maliciously taken money over {$5000.00} out of my accounts and and sent it to another entity -- on there own. Charged my Wells Fargo Credit Card {$7000.00} and threatened to ruin my credit profile and FICO score with the 3 Credit Bureaus. 

This is beyond outrageous! Wells Fargo needs to be put out of business. How many outrageous, harmful, destructive violations does Wells Fargo get to commit against consumers before they are put out of business -- not just fined and change executives. 

From the Housing Scandal ( under XXXX XXXX ) to a litany of other violations, why does Wells Fargo get to just pay a fine and shuffle the executive chairs and continue on with predatory malicious vicious unethical business practices? Close Wells Fargo down and sell off the assets to other banks -- do not let the simply pay a fine and change executives ; their culture stays the same no matter who is top dog. 

Please CFPB, stop Wells Fargo on this matter and 100s of thousands of others. They are the same wolf no matter how they change executives or even their business name. 

Wells Fargo must be closed down just XXXX XXXX XXXX in XXXX under XXXX XXXX, Break Wells Fargo up and sell off the parts and assets.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I was a victim of identity theft for some reason they will not delete this XXXX XXXX  account off my credit report according to the 15 USC 1682 law, there should not be any damages on my report is a defamation to my character as a credit consumer
Consumer complaint received 2021-03-09
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: Experian Information Solutions Inc. (TX)

There is a alleged bankruptcy on my credit report. I have disputed it numerous times and all 3 credit reporting agencies keep telling me it was verified through a 3rd party company. I have reached out to the companies they claim they verified it through and the companies has denied claims. I also sent the denials to all 3 credit reporting agencies and they then claimed that it was verified through the courts. I went to the courts to see if this was factual and the courts informed me in writing that they do not verify anything to anyone. I then sent the letter to the credit reporting agencies and all 3 sent decisions back saying verified but will not tell me who it was verified through, how it was verified and the name of the person who verified it. It is my rights to know those things and if they can not tell me who it was verified through, how it was verified, and the name of the person who verified it with proof of verification, all 3 reporting agencies is to remove the alleged bankruptcy right away.
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

As a follow up to complaint # XXXX, my repayment plan request was finally approved after 2 submissions and a couple of follow ups through CFPB. I saw it was approved/processed today, but the loan terms are incorrect. According to my total balance of the loan and the application I submitted, it shows payment would be around {$150.00} on 20 years of payments and the loan was processed under 10 years of payments. When I first had my loans consolidated with MOHELA, I had a standard repayment plan with 20 years as the term and then MOHELA for some reason changed it to SAVE when Standard payment was lower. Now after 2 applications and multiple follow up messages through CRPB, MOHELA finally processing my repayment plan request to standard - but the term is supposed to be 20 years, not 10. The application/request I submitted shows 20 years and when I had standard repayment in the beginning before it was changed, it was also 20 years.

This is extremely frustrating because after a couple of applications submitted, complaint messages, its finally processed and not even how it was submitted or originally set up.
Consumer complaint received 2023-04-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

At XXXX today ( central time ) I got the fourth notice of the following : BofA Security : Debit card ending in XXXX was declined because the CVV was entered incorrectly. Please try again. Reply STOP to end texts. 
From XXXX Instead of opening their link, I contacted my bank, checked to make sure all the links were correct ; attempted to order a new card, then called the number XXXX And spoke to a man named XXXX. 
He sent three texts to various my phone account, but none went through.

He then told me this was a fake number and to get a hold of the fcc.gov to report This is that report.
Consumer complaint received 2024-03-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

My PC Richard/Synchrony store credit card was out of my possession ( likely lost or stolen ). A purchase was made at a PC Richard store using this stolen card, however the person making the purchase provided an address, phone number and email address that did not match any of the information on my PC Richard account or my PC Richard/Synchrony bank credit card account. 

I called in XXXX to dispute these transactions and was told that the address on file had recently been changed to the fraudulent address ( XXXX XXXX XXXX, XXXX, NY XXXX ). The agent indicated that the transaction and account had been flagged as a result of this address change. 

I never received documents indicating the resolution or closing of the case. On XX/XX/XXXX I reviewed my credit report which stated that my PC Richard/Synchrony account has a past due balance. When I called Synchrony bank to inquiry about this, they stated that the dispute was not found in my favor because the purchase was made in person and the card was swiped. 

I reopened the case with Synchrony, however my complaint is 2 fold : 1 - I was never provided with notification that the dispute case was closed.

2 - Synchrony bank noted a potentially fraudulent address when the purchase was made and permitted the transaction to be completed. Further, when I called Synchrony in XXXX, they verified my identity through confirmation of my SSN as well as through a secure link using facial recognition and a photo of my holding government-issued id. The dispute investigator did not take into consideration the contact information difference between what was on my PC Richard/Synchrony account and the invoice that Synchrony stated the merchant provided to them on XX/XX/XXXX. I have requested that the dispute case be reopened and I have provided them with the merchant provided invoice, my address dispute with XXXX to support the fraudulent address and my claim that I did not perform the transaction. 

In the meantime, my credit score has dropped XXXX points and needs this needs to be corrected ASAP. I did not perform these transactions and Synchrony must perform an adequate review of the information provided. A simple review of the address, phone number and email differences from the merchant-provided invoice and my information on file with PC Richard/Synchrony along with my identity verification and dispute is plenty of evidence to find in my favor and remove the past due status on my account.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Winklevoss Exchange LLC (CA)

Re : : Gemini account, I have held a gemini crypto account for several years. I often travel and work around the globe. In XX/XX/2023 I logged into my gemini account from overseas. 

After my travel, I noticed my account had been frozen. Gemini has asked for photo verification, bills, and now its asking for Specific details about my travel and overseas work contracts, etc. 

This seems rather invasive and I am reluctant to handover my travel information ( I gave them copies of my bills ) I have made many inquiries as to the progress and either no response or form letters. 

As stated, this lack of access to my account has gone on since XX/XX/2023 with no resolution. 

Your help is greatly appreciated as this feels fraudulent, and I no longer have access to my funds
Consumer complaint received 2023-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (GA)

In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. attempted to collect a medical debt for a person with my same name and birth date ( this person does exist ). The alleged debt is for a XXXX XXXX  in California. I am a XXXX XXXX  in Georgia. I was over XXXX miles away on the date of service. He was shot. I have no gun wounds ( EVER ). I wrote letters ( certified ) and made phone calls. Reported Identity theft to local PD, IRS and SSA. I called and XXXX said it was resolved. 

In XX/XX/XXXX I received a letter from Phoenix Financial, XXXX XXXX XXXX, XXXX XXXX, XXXX, Illinois, again attempting to collect this debt on behalf of XXXX XXXX XXXX XXXX XXXX. I called XXXX they said the debt had been canceled yet here I am again fighting them. I have sent multiple certified letters to Pheonix requesting they retain any and all communications/records regarding this matter as I intend to sue them for my time and expense. which at this point is approximately {$3100.00}. I have called them multiple times ( written notes ). I have 5 years of correspondence on file. 

They have failed to respond. I am retaining an attorney, and will proceed with filing complaints with my State Attorney General.
Consumer complaint received 2024-07-14
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX, XXXX  XXXXSubject : Dispute of Debt and Request for Validation under USC 1692 ( c ) ** Dear Jefferson Capital Systems I am writing to you regarding a debt that you have contacted me about. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692 ( c ), to request validation of this debt.

Please provide the following information : 1. The original creditor 's name and address.

2. The amount of the debt.

3. Copies of any documents that support your claim that I owe this debt, including the signed agreement that created the debt.

4. A detailed accounting of how the amount you claim is owed was calculated.

While this debt is under dispute and until proper validation is provided, I request that you cease all collection activities related to this debt as required by law. Additionally, please refrain from contacting me at my place of employment or by phone, and limit any further communications to written correspondence only.

Thank you for your prompt attention to this matter. I expect to receive the requested documentation within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

i was scammed for XXXX XXXX  tickets multiple times. they would show me the ticket that i would buy then not send it. sent money through paypal friends and family because they asked to get the money right away. im out hundreds of dollars that i can not get back. they would also lie and say the payment was never received and that they would refund it for me XXXX  as well which is attached in my bank app.then when i requested the money back they we no longer available
Consumer complaint received 2020-07-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached the notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, to remove and block these items.
Consumer complaint received 2023-12-20
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. (NV)

NO ACTION TAKEN PER. 15 U.S.C. 1681a 1681a. Definitions ; rules of construction BY LAW SAYS IT IS ILLEGAL FOR CREDITORS TO REPORT LATE PAYMENTS A.K.A TRANSACTIONS ON CREDIT REPORT.

( A ) credit or insurance to be used primarily for personal, family, or household purposes. ( B ) employment purposes; or ( C ) any other purpose authorized under section 1681b of this title. 

I SUMITTED MULTIPLE DISPUTES COMPANY REFUSE TO REMOVE EVEN AFTER UPLOAIDING EVIDENCE PER IRS TRANSCRIPT
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CA)

This is follow up complaint I filed regarding XXXX XXXX XXXX on XX/XX/XXXX, ,and now transferred to XXXX XXXX XXXX , SERVICER NATIONSTAR MORTGAGE LLC. , loan reference NO.XXXX. 
Now my only home I grew up was forclose and sold on auction by XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. 
On XXXX I sent " QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST '' but it was ignored by NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX Waters Blvd.. TX XXXX, XXXX. number XXXX XXXX, and to NATIONSTAR 'S ATTORNEY THE XXXX XXXX A LAW CORPORATION address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CALIFORNIA XXXX XXXX 
President Obama 's Executive ORDER XXXX " Establishment of the FINANCIAL FRAUD ENFORCEMENT TASK FORCE " explicitly acknowledge the existence of significant crimes and other violations in XX/XX/XXXX, The Department of Justice worked out a settlement with XXXX XXXX XXXX and did not consider this settlement.. 
Now I am dealing with XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX .One of their agent name XXXX XXXX harrassing me to leave my house because i do n't own it anymore.. 
I notified NATIONSTAR MORTGAGE and informe me the company harrassing me is unknown to them .I was told by XXXX XXXX XXXX TO SIGN ANOTHER AGREEMENT. 
I feel like I am facing another fraudalent activity.PLEASE HELP.