davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc (PA)

I received debit card from Venmo that I never asked for. Called Venmo found someone opened another Venmo account in my name. I had to argue with Venmo to cancel they wanted me to email them my drivers license. I refuse to do that since I didnt open it.. they eventually did cancel debit card. I also canceled the Venmo account I opened and report the other account as fraud.
Consumer complaint received 2024-04-26
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

Old Navy placed an alert on my account and will not let me use either their own store card or a bank card to make purchases. I have called several times, waiting on hold for over an hour to talk to a customer service rep. When I finally did get through they didnt know why the hold was placed or who could help me. They just tried to shuffle me off to the next person. I tried contacting Barclays and could not find any email address or phone number to get a live person there who could possibly help me. So I am basically being banned from shopping at Old Navy for no discernible reason.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (KY)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX Balance {$1800.00} Tbffin XXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX XXXX Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

So today ( XX/XX/2018 ) I woke up from a buzzing of my phone and saw that I have a lot of notification from Wells Fargo. Turns out my checking account is in $ XXXX because of {$140.00} auto-payment for my insurance ( which they should've took it out on the XX/XX/XXXX and the {$49.00} auto-payment for my internet. So at XXXX XXXX I called Wells Fargo because I thought there has been a mistake with my insurance company and I asked the lady if she can stop the overdraft fee that they were going to charge me ( because they charge fees right away ). She said that she can't stop it but I can give them a call back and they will refund it to me. Then I drove to the bank at XXXX XXXX and deposited {$180.00} in my checking account. When I opened my Wells Fargo app it says that I still owe them and my account now says $ XXXX. I called them right away and asked and they said it was because of the overdraft fee. Now I told the guy that I called earlier this morning about it and they said they would refund it to me ; he checked and said my account is not eligible for refund and that the fee will stay. I asked him the reason why it didn't show the fee earlier and he said it was because it's before XXXX XXXX. Now I totally understand that but I called before XXXX XXXX to stop the overdraft fee and told me they would refund it and now they're telling me they will not refund it. 

Wells Fargo have been doing shady things, cheating their customers and been stealing their customers money. It's such a disappointment that they never actually did anything to make their customers satisfied and happy. 

Oh and one thing. I know someone that works in Wells Fargo and she was telling everyone how satisfying it is to see someones account get overdraft and how they love charging them fees and taking the customers money. What a disappointment.
Consumer complaint received 2023-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Accounts 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 2023-11-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (OR)

I have a savings acct. with this bank, for about a year. I also have a savings acct with XXXXXXXX XXXX for about 6 months. From my acct with XXXX XXXX I requested they transfer $ XXXX from my acct at XXXX to my XXXX XXXX acct. The funds disappeared from my XXXX acct on XX/XX/XXXX. To this day the money has never shown up at my XXXX XXXX acct. Shortly after it was out of my XXXX acct. I was notified by XXXX XXXX  they need some more info from me and they wanted those sensitive documents to be sent to a plain email, not through the bank website. I could not get any good answer why this was needed, why it was even requested or who was the impetus for this. I went back and forth for days and now weeks with both banks to get this completed. I have never been able get this completed and in fact I can not even get information from XXXX XXXXXXXX  where this money is in fact at. I told XXXX XXXX if this transfer can not be done like I requested they need to delete the transfer and send the money back to my XXXX acct. where I can access it. They will not do that and have given me a bunch of XXXX about how this is being taken care of, yet it never has been. I think this is some kind of scam. Otherwise if XXXX XXXX thinks this is some type of fraud they should immediately contact the authorities and if they have these funds either hold them for instructions on what to do with them from the authorities or send them back to where they came from. I am being majorly harmed as I need access to my funds so I can invest them where the income will be tax deferred. I am not able to do that and this is costing me money daily for that reason. I also am being kept from having access to my funds when I find a home to buy for living which could happen any day but not if I do not have my money. I need this scam to end and return my money immediately.
Consumer complaint received 2023-05-04
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. (NJ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (NJ)

On or about XXXX of XXXX, I closed my account with Avant Credit : account # ending in XXXX. The remaining balance on the account was {$1900.00}. The last purchase on this account was on XX/XX/XXXX, and the purchase was an unauthorized purchase from XXXX, as a recurring payment from a canceled account. On that XXXX statement for XXXX, I was charged {$37.00} for purchase interest and {$12.00} for cash advance on a closed account. 

The last cash advance that had a bank fee included was on XX/XX/XXXX, and that cash advance was from XXXX XXXX. I am not complaining about the first charge on a cash advance fee of {$12.00} on the XXXX statement. I have a complaint on XXXX of XXXX 's statement that included a {$37.00} purchase interest fee, with a {$12.00} cash advance fee. And following fees such as : ( 1 ) XX/XX/XXXX { {$35.00} [ purchase fee ], {$12.00} [ cash advance fee ] } ( 2 ) XX/XX/XXXX { {$32.00} [ purchase fee ] {$10.00} [ cash advance fee ] and a {$39.00} late fee }. 

The remaining balance on the account on XX/XX/XXXX was paid in full one day after the late fee was charged, and I made a lump sump payment of {$1800.00} on XX/XX/XXXX to close the account. There was no remaining balance on the account once a lump sump payment was agreed too and made to Avant Credit. On XXXX/XXXX/XXXX the credit card company assessed a charge of {$6.00} purchase fee and {$2.00} on a cash advance fee. Resulting in hidden fees that were charged to an account that has been closed for 6 month, and hasn't had a purchase on the account for 6 months. 

Avant Credit is a sub-chapter of XXXX XXXX, both located in XXXX Illinois, and upon talking to consumer service, I was told that the charges reflect market rates on the credit card. Even though the account was closed for more than 6 months. And upon, complaining with the XXXX XXXX XXXX, plus XXXX XXXX -- because Avant was sending negative reports to XXXX -- which results in XXXX in favoring these banking institutions, and dramatically lowered my credit score because I didn't want to opt into their {$29.00} monthly fee on credit rate protection, to fend off on predatory reporting on predatory collections on fees. My personal credit, even with exceptional payment history took a massive hit from above XXXX, and crashed to XXXX because I made two disputes on the reporting and the transaction fees that are being charged by Avant Credit, which is a credit card from XXXX XXXX.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, 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. (MI)

Please remove all the unauthorized inquires immediately. Here are the dates and inquiries : XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Credit of Virginia Inc. (WA)

In XXXX I was employed by a company called XXXX XXXX. I worked as a XXXX XXXX  for 3 months prior to quitting. When I left I returned the day afterwards and dropped off all of my uniforms with one of the techs working there. Since I quit, they have claimed I did not return the uniforms, and then they placed a negative collection on my credit claiming I owe them for non returned uniforms, however they placed it on my credit as a car loan. I have never taken a loan out with this company, let alone a car loan. I have made attempts over the years by phone calls and mail for them to validate my debt, and never once have I received anything. All I have ever received from them was threating mail to every address I've had on my credit, and have left threating voicemails on my phone. Every letter is a threat of legal action/garnishment of wages, contact to current employer, friends and family if I don't pay the money owed. They even went as far to put it on my credit twice to show I was delinquent on two auto loans. I have disputed this on my credit time and time again with XXXX and they were able to one of the time remove one of the car loans they placed on here. However recently they did remove it for one month, but then brought it back on my credit as if it was a new account. I reached out to the company again on XX/XX/XXXX due to it still showing on my account, and the fact they keep it open like I have an open account with them. They have it set up, so no matter the time frame it will never fall off my credit. As of this XXXX it has been 7 years since I left that job, and I'm still having problems with them refusing to validate or remove the account from my credit. The most recent time I reached out by email, they didn't even confirm who they were speaking with before they start emailing personal identify account information out. The last email I sent to them was today, after back and forth of them not being able to confirm they received my uniforms, and still refusing to remove it from my credit. I made the official request for them to stop all communications with me, as they have already violated my rights. With filing this complaint I will also be seeking legal advise as they have impacted me finically over the years with the negative marks on my credit for something I do not owe.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

There was a charge made by XXXX XXXX XXXX XXXX XXXX out of XXXX, VA for {$4000.00} on my Brooks Brothers card ( backed by CitiBank ) and when I attempted to dispute this as fraudulent Brook Brothers card ( backed by CitiBank ) is still refusing to return the funds. I contacted XXXX XXXX XXXX and XXXX XXXX and nobody can provide me with any of my signatures, any document with my name on it either. I've attempted multiple times to resolve this issue but I am not getting any luck. I hope Consumer Bureau will be able to resolve this huge amount made on my account.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (MD)

The card expired in XXXX of XXXX. I paid the account off on XX/XX/XXXX. I have not applied for another card. The account is closed, however I'm being charged an annual fee of XXXX due on XX/XX/XXXX.
Consumer complaint received 2023-11-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/XXXX, I received a collection notice from Transworld Systems INC. seeking to collect an alleged debt of {$120.00} claimed to be owed to XXXX XXXX. 

I immediately disputed this debt by sending a validation request letter to Transworld Systems INC. asking for verification of the debt and proof they are licensed to collect debts in California. 

Transworld Systems INC. responded stating their XXXX  debt collection license was " pending '' but provided no license number. 

I sent a follow-up letter on XX/XX/XXXX, requesting written proof that Transworld Systems INC. had submitted its license application in XXXX  by XXXX XX/XX/XXXX deadline to operate legally during pending status. 

Transworld Systems INC. failed to provide any response or documentation validating that their license was properly applied for in XXXX  by the legal deadline. 

After waiting for the requested timeline, I sent a final notice on XX/XX/XXXX, informing Transworld Systems INC. I still disputed the debt since they can not prove valid licensing. They did not reply and continued collection efforts. 

I request a full investigation into Transworld Systems INC. and their lack of valid XXXX  debt collection licensing while attempting to collect on this disputed account. Their practices appear unlawful.
Consumer complaint received 2023-11-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Brown and Joseph, Ltd (WI)

My brother got into an accident in my car, I thought I had forced insurance through my auto loan place and I was wrong. So I'm bring sued for {$4000.00}. I was never notified. It was sent to collections with Brown & Joseph LLC XXXX XXXX XXXX. They sent me a letter telling they were going to suspend my driver 's license if it wasnt paid. I was upset with my brother so I sent him a picture of it, yelling at him for me having to pay this amount of money. He took it apone himself to call them. They allowed him to set up a payment plan under MY NAME without me being the one to call them. I called to argue this with them and they said we'll he had all the information so that's why we let him. I told them that it shouldn't matter because I was not the one to call them. They said it's fine because he put his own card on file. I don't feel they should have even Acknowledged to anyone that I even had an account there with a balance if it was not me. not to mention. I don't think they can suspend my license for something like this. I didn't even do anything. I'm only being held Responsible because the car was in my name that was it.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (NY)

This is XXXX XXXX with new & updated information about my previous complaint XXXX. National Credit Systems , Inc. has not only failed to comply with the FDCPA but has also failed to comply with the FCRA as well by report-ing an alleged account that has not been properly verified- ( sworn under oath ) pursuant to 28 USC 1746. I am demanding that all reporting to all consumer reporting agencies- ( XXXX XXXX XXXX XXXX XXXX ) cease immediately.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-08
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: Asset Management Outsourcing, Inc. (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my TransUnion report and saw that there was an account with 7 late payments on my credit report. This is a violation of the law under 15 U.S. Code 1681b - permissible purpose of consumer reports. I never gave my written consent to furnish this account onto my credit report. Also these late payments are a violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ). This issue has hindered me from obtaining essential credit and funding for my personal life and business.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

This has been a very long, painful process of trying to obtain numerous credit freezes on my credit reports, only to find out that the information that is listed on them, with all bureaus, is very inaccurate. I've never known who to talk to, especially when I tried years ago to reach out to the credit bureau and wasn't heard. There are addresses, companies, names, phone numbers, etc. That I don't know anything about and it's negatively impacting my credit scores across all the bureaus. I'm unable to get anything in my name. Recently, approximately last week, I tried renting a rental car with XXXX. Much to my surprise, I couldn't because once again I was told that my credit score was too low.
Consumer complaint received 2023-09-08
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. (NE)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rosen Harwood, P.A. (MS)

This entity attempts to collect an alleged debt. This entity has threaten to take me to court over an alleged debt. No documentary evidence has been provided to me proving this alleged debt. I am aware that this law firm is acting as a debt collector and therefore is subject to the fdcpa. This law firm is causing me emotional distress.