davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK (OR)

XX/XX/XXXX my email and XXXX account was hacked from the breach my login to XXXX was stolen. {$720.00} and {$190.00} was sent without my consent on XX/XX/XXXX. Then XX/XX/XXXX an additional {$510.00} was sent without consent. Due to heavy usage during XXXX and steady large usage on the card left the transactions overlooked. Then a larger fraudulent transaction was flagged and an investigation was conducted by a Certified Fraud Examiner. They identified these charges as fraudulent. Police reports were filed and these charges were reported as fraud. Discover despite a {$0.00} fraud liability reversed the charges then reissued them.
Consumer complaint received 2023-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (AL)

On XX/XX/XXXX. XXXX I made a purchase with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settled The amount has been successfully transferred, and the payment is complete. {$36.00} I received a letter from Cedars Business Services , LLC on XX/XX/XXXX claiming that I owed a balance of {$36.00} that had been sent to collection. After speaking with a rude representative from Cedars Business Services, I called XXXX and spoke with a representative named XXXX. She informed me that she did not understand why the account was sent to collection and suggested that it must have been a glitch in the system that resulted in it all. However, the bill being sent to collection is still liable to ruin my Credit Report and payment history. This is unacceptable and has the potential to severely damage my Credit Report should this error not be fixed and resolved appropriately. My livelihood is not something that I am willing to gamble on. Failure to correct this matter has the undoubtable potential to ruin my livelihood, my Credit Report and ultimately my life and my family 's. I will be forced to resolve this matter in court should. Attached is the collection notice from Cedar Business Services LLc and proof that the account was paid in full with XXXX.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (FL)

I called last week to customer service to open a merchant dispute for merchandize not received. The bank denied the service saying that I dont have SSN so I cant get assistance by phone, in this case the bank is DISCRIMINATING me because I dont have SSN, tehy just said like a robot all the time " go to the branch '' and Im not in the US to go to the branch, is imposible, also the bank is violating the law " transfer act '' and regulation E and Z that allows customer to present a claim by phone, in person or in letter, giving the this choice to the customer, not the bank. 

Now I need to dispute those charges trough here : I went to the store XXXX on XX/XX/2023, to purchase XXXX smartphone XXXX XXXX XXXX paying {$84000.00} dollars each transaction. Because they didnt have it on stock they will send it to my house by XXXX XXXX 
Next day on XX/XX/XXXX I went again to the same store to buy another XXXX smartphone XXXX XXXX XXXX paying {$84000.00} each one. 
The expected delivery date given was XX/XX/XXXX. The store never sent me a tracking number or shipment information. 
The package never arrived so I tried to reach the merchant several times by the website and phone calls starting on XX/XX/2023, to ask about the shipment, to provide a delivery confirmation or to get a full refund. 
Nobody answered, Now I cant go in person to the store because I moved to another city.
Consumer complaint received 2023-10-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MD)

XX/XX/2023 : Online to pay Macy 's bill and noticed a new credit card was opened and the charges were transferred to this new account. Called customer services and was informed that Macy 's had replaced the legacy credit card with a new one. I had not received any correspondence regarding replacing any legacy card nor did I receive the new credit card via mail. The representative stated that he could now send me the new credit card now that he could verify my address. I asked if he could submit any correspondence relating to this change with this replacement of credit cards, but he said it was no longer available. I did not make the payment online. I did receive my credit card statement by mail, and it referenced the legacy credit card account number.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX & XX/XX/XXXX and 30 days late as of XX/XX/XXXX. I am not sure how this happened. I have always paid on time and never been late. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Deposited {$500.00} on XX/XX/XXXX from my XXXX  checking account through ACH debit Deposited a {$30000.00} check on XX/XX/XXXX at Capital One ATM branch at XXXXXXXX XXXX XXXXXXXX, XXXX  branch Current Online checking deposit shows the amount of {$30000.00} balance including interest paid by the bank On or about XX/XX/XXXX, I tried to call the number the bank gave online which is XXXX because the bank says that there is a problem with my deposit. I requested to speak with a bank representative on that number but the automated call only instructed me to leave my number and they are going to call back. The bank never called back and I repeatedly called them with the same result. Alarmed, I went to the bank ATM branch at XXXXXXXX XXXX XXXX XXXX to directly speak with their branch representative in person. The bank rep was able to finally get hold of the banks rep and the bank rep told me that they have decided to close out my checking account and that they will send me a check. It's been almost a month now and I have not received the check yet from my closeout account.
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: Experian Information Solutions Inc. (NY)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I went to my bank well Fargo to deposit {$1000.00} into my account to XXXX to my attorney for court costs, during the time at which I entered the bank to use the ATM I had placed my business debit card into the ATM slot and deposited the money, after the deposit was confirmed I left the bank forgetting my ATM/Debit Card in the machine, shortly after I had sent my XXXX to my attorney bringing my account back to XXXX at which time my card was unlocked for the ATM transfer as it usually locked, lster that night / next day o had logged into my banking profile and noticed my account was now XXXX after looking into this thinking maybe it was a car payment or something I had discovered that my debit was used for 7 unauthorized fraudulent transactions totaling {$450.00} upon realizing this I immediately called the bank and told them what happened that if they check the cameras they will see everything, I submitted the claim with Wells Fargo on XX/XX/XXXX I called to check the status of the claim in which they had told me they had denied it bcuz they saw no suspicious activity within reason based on the back that during this transactions in between them I had logged onto my online banking which according to them validates that I was aware of this, I explained to the guy I was having connection issues with my phone and within the last few days was taking trips to the XXXX XXXX  where I actually had my phone replaced, I gave them my side of the story as to why maybe this had happened and insisted that they review video footage of the stores these transactions took place as well as the ATM camera where my debit card was stolen from, they told me they would not do this and that there is nothing they can do, my account is now overdrawn {$700.00} bcuz of incurred additional charges of {$35.00} per transaction, that transactions alone should prove enough it was not me as well as video evidence
Consumer complaint received 2023-04-21
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. (GA)

Hi, My name is XXXX XXXX XXXX. I'm not sure how to go about this. I believe someone has stolen my identity, or the credit bureaus has made major errors on my credit reports. I have rights under 15 USC1681 XXXX, Experian, and XXXX is govern by 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed below be removed. According to 15 USC 1681 I have a right to privacy, and I did not give Experian, XXXX, and XXXX written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As I stated above, these accounts don't belong to me. Meaning I never opened these accounts, nor did I give any one authorization to do so on my behalf. I have never been in contact with any of the above listed companies. I don't believe these collection companies have legal rights to conducting business in my state of Georgia. Also I listed inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (OH)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 15 usc 1666b : 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 2023-04-21
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)

Hi, My name is XXXX XXXX XXXX. I'm not sure how to go about this. I believe someone has stolen my identity, or the credit bureaus has made major errors on my credit reports. I have rights under 15 USC1681 XXXX, XXXX, and Equifax is govern by 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed below be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, Equifax, and XXXX written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I stated above, these accounts don't belong to me. Meaning I never opened these accounts, nor did I give any one authorization to do so on my behalf. I have never been in contact with any of the above listed companies. I don't believe these collection companies have legal rights to conducting business in my state of Georgia. Also I listed inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank (FL)

I went to the Synovus Bank located on XXXX XXXX in XXXXXXXX XXXX  I had an XXXX XXXX so I decided to deposit it into my checking account at Synovus. I put my debit card in, and then the XXXX Then, the ATM crashed. The screen said " system failure '' or something like that and then it restarted on its own. I never got my card back or the XXXX back. I immediately called Synovus customer service and was given a temporary credit of a XXXX  Now, I log onto my account and see that the credit was reversed. After they stole my XXXX  I am beyond shocked and disappointed. I am just glad it wasn't a large amount of money. I just want them to make it right by giving me my XXXX  back. Otherwise, they are thieves.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Summit Account Resolution XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Summit Account Resolution, I am writing to address your [ letter or phone call ] dated XX/XX/2023, a copy of which is enclosed, as I contest the validity of the asserted debt. 

This marks the initiation of communication on this matter, and pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically under section 809 - Validating Debts, I insist on a comprehensive written response providing the following information : 1. A detailed breakdown of the alleged debt and its origin ; 2. A clear and transparent exposition of the calculations leading to the purported amount owed ; 3. Provision of all documentation demonstrating my agreement to the indebtedness ; 4. Identification of the original creditor in question ; 5. Verification or furnishment of any judgment pertaining to this matter ( if applicable ) ; 6. Presentation of evidence of your licensing in accordance with the laws of my state, along with relevant license numbers ( if applicable ). 

I am acutely aware of my rights under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It is imperative that you understand : Any imposition of interest or fees is permissible only as stipulated in the original contract and state legislation. 
Your obligation to respond to this dispute is limited to declaring your intent to either cease collection efforts or pursue lawful avenues for debt recovery. 
Pursuing a judgment without adequately validating the debt will be contested in a legal forum, and non-compliance with FDCPA guidelines will be brought to the courts attention. 

I explicitly communicate my decision to record all telephonic conversations, preserve all correspondence, and promptly report any violations to the State Attorney General, the Federal Trade Commission, and the Better Business Bureau. 

Given that I have formally disputed this debt, any reporting to credit-reporting agencies must reflect its disputed status. Failure to adhere to this requirement violates the Fair Credit Reporting Act ( FCRA ) 1681s-2. 

In the event that you do not hold the rights to collect this debt, I demand immediate transmission of this dispute letter to the original creditor for their awareness. 

Concluding, pursuant to section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, I assert my right to be contacted solely via official mail. Any correspondence should be limited to notification of the termination of debt collection efforts or specific actions permitted by law. 

Your adherence to these directives is expected, and I anticipate your prompt and thorough response to this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In XX/XX/2020, I was notified by XXXX XXXX & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with XXXX  XXXX in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX  and XXXX XXXX, fraud alerts were placed on all 3 credit reports, and XXXX XXXX denied the application as fraud. XXXX  immediately removed this hard pull from my account, but XXXX XXXX failed to remove the fraudulent hard pull from Equifax. Since these are hard pulls, they negatively impact my credit score. As requested by Equifax, in XX/XX/2020, the CFPB assisted me in getting XXXX XXXX to correctly fix this fraud error on my credit reports ( see attached letter dated XX/XX/2020 ), but to date, Equifax has not corrected this hard credit pull. 

In late XXXX, I filed yet another complaint with Equifax via the CFPB portal to get this resolved, also attaching the requested correspondence from XXXX XXXX, but Equifax conducted no investigation and closed this complaint out. This is still listed as a hard inquiry on my Equifax credit report, which negatively impacts my overall score. Additionally, it is completely fraudulent, so it needs to be removed immediately.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have disputed this account with the credit bureaus and the credit company. This is a fraud account, i did not co sign a loan. I have disputed this account 3 times and the credit bureaus have refused to remove this account from my credit file XXXX has also re-inserted the fraudulent address back onto my credit file exposing me to more fraud. the account is as follows XXXX XXXX XXXX XXXX XXXX THE FRAUDULENT ADDRESS IS AS FOLLOWS XXXX XXXX XXXX, XXXX MI XXXX I HAVE INCLUDED THE POLICE REPORT AGAIN
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

On XX/XX/2022, I had a court appearance with my ex husband to dissolve and settle the marriage disputes. The only issue that was addressed by the Judge was child custody and child support. I filed a motion for reconsideration. Because of the threats to take my medical license, driver 's license and incarceration, I paid what I could, and contributed to the remaining to the costs of travel, which under XXXX code XXXX is considered support. The other party then contacted child support agency, who not only sent income withholding orders to my place of work without a judge 's signature, they put that I was behind XXXX dollars in arrears on my credit report, stated that it was an installment loan. I sent them a letter asking them to release the contract and validation of debt, and they refused to send me that, using terms such as " obligation '' when that means contracted debt or agreement. I also sent them a cease and desist. I submitted a claim to Experian, XXXX, and XXXX to remove the account. I also noticed it hasnt even been updated, and remaining the same amount. Im submitting this complaint, because they do not have my consent to release this information of my credit report and also refused to release validation of debt. They do not have a signed contract of voluntary obligation of debt. The court case was completed under grounds of lack of jurisdiction and unconstitutionally violated my rights under the Color of Law. This has damaged me severely and will be seeking remedy.
Consumer complaint received 2024-07-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Onity Group Inc. (FL)

Chronology : Regarding Mortgage Loan XXXX As of XX/XX/2024 I was XXXX months past due to PHH Mortage in the amount of {$5600.00}. 
XXXX. Received XXXX XXXX Assistance XXXX XXXX XXXX in the amount of {$3500.00}. 
On XX/XX/XXXX, PHH Mortage acknowledged they received a check in the amount of {$3500.00} and instructed me to send the balance via XXXX XXXX to PHH Mortage in the amount of {$2100.00}. I sent the funds on that day and sent PHH Mortage an email to confirm the conversation with the representative. 
On XX/XX/XXXX, I asked that the the XXXX department investigate if the check for {$3500.00} was cashed by PHH Mortgage. 
On XXXX XXXX. I was notified that the check was returned to XXXX XXXX XXXX because it was a partial payment. 
This is unfair and discriminatory. I can not pay the past XXXX months of {$5600.00} on my own. PHH Mortgage Never notified me that they would not accept the either the {$3500.00} payment nor the {$2100.00} payment. No one wants to accept responsibility for this. 
This is unacceptable since I followed their instructions regarding the loan repayment.
Consumer complaint received 2023-12-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (NM)

Received two emails in XXXX from Marcus ( affiliate of Goldman ) which stated they transferred servicing of two loans I had with Marcus to XXXX and XXXX XXXX. Emails advised that there would be a new email with new account information from XXXX and XXXX XXXX - nothing received either by XX/XX/XXXX ( as originally stated in first email ) or by XX/XX/XXXX ( stated in second email ). I no longer have access to see what my balances are or a method of making payments. Representative of Marcus stated in phone call that automatic debit would continue ( WITHOUT MY AUTHORIZATION OR MY ABILITY TO CHECK OR MODIFY ANYTHING ). Information publicly available is that XXXX and XXXX website is unsecure and does not even have a security certificate with XXXX. I have no way to see what is going on and calls to Marcus are automatically directed to XXXX and XXXX XXXX and I have been cut off from automatic holds three times in a row.