davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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: I.C. System, Inc. (NC)

I Reached out to IC systems IXXXX, who is a debt collector for XXXX XXXX or XXXX on XX/XX/23. I notified them that they put a collection on my credit for XXXX. They informed me that the account was in someone else 's name that's close to my name but it is not my name. I informed them that their information was inaccurate and I have never had an account with spectrum and they told me to reach out to spectrum. I reached out to spectrum as well on XX/XX/23 and they told me that a family member was using my information. I asked what information and they said they took the first XXXX letters of your name and opened an account but they didn't have any other information. I spoke with a spectrum supervisor on XX/XX/23 and she informed me that the account they're referring to does not have any of my information attached to it ( SSN number, DOB, Full name or Address ). I also reached out to XXXX and filed a dispute and they sent me an email and said they deemed the information to be accurate. I called and asked a representative what information that they linked to me to make it accurate and he said that I needed to reach back out to the creditor who reported the information. It seems that they are all pointing the finger to one another but no-one can prove that an account was opened in my full name using any of my personal information. I feel like I'm being targeted and railroaded just because a company is trying to blame someone because they can't find the real person responsible for this debt. I've spoke to several representatives from IC systems INC since XX/XX/23 and no information that they have given me links this account to me so I don't know how its on my credit. They don't have my real name, email address, DOB, address, they don't have anything but 3 letters of my first name and last name. This is not right and not ethical and against the law!
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023, I received a letter from XXXX XXXX XXXX stating that they were attempting to collect a debt for XXXX XXXX XXXX. Immediately I got scared and started asking questions. I never checked my credit profile before. I did not even know much about credit to begin with. I created an Experian, XXXX and XXXX account and I started going down the list of items that are on my credit report. I noticed many things that were on my report that I were wrong, so I updated my information. But this account that is on my credit report I have no idea what it is nor where it's from. I did not create this account and did not make this charge. That is when I realized that I am a victim of identity theft. I did not make this charge, nor did I open this account. This is a fraudulent account that I did not authorize. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit.
Consumer complaint received 2024-05-19
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: BARCLAYS BANK DELAWARE (CA)

DISPUTE WITH BARKLEY BANK - XXXX XXXX XXXX XXXX XXXX

VENDOR - 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.

DISPUTE TRANSACTION DETAILS:
1) CHARGED FOR MERCHANDISE NEVER PROVIDED.
2) COMPANY PROVIDED A FAKE TRACKING AND FAKE SHIPPING COMPANY.
3) COMPANY PROVIDED FAKE CONTACT INFORMATION - UNREACHABLE
4) COMPANY ADDRESS IS A FAKE ADDRESS.
5) COMPANY HAS "F" XXXX XXXX XXXX RATING.
6) XXXX XXXX XXXX WAS ONLY A COMPANY USED BY XXXX XXXX TO PROCESS PAYMENT.  VENDOR IS XXXX XXXX
Consumer complaint received 2024-05-17
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: CITIBANK, N.A. (CA)

I have XXXX XXXX XXXX 's card for a long time and have rarely used it. About XX/XX/year>. I called their customer service, and I said that I am paying off and closing my account. I paid all my balance and asked the agent to close my account due to they keep sending me text messages regarding froglet activity in my account. Also, I asked the agent to email me the conformation, but the agent said It took 1 to 3 days to send you an email but I dont receive any email. 
After a couple of weeks when I checked I found that one of my card was closed and another new card that I am not aware of was their, and already has some charges. I called customer service again and I ask explanation. The agent was said " Yes the old one closed and we issued a new card. '' I wasn't ask for it. I asked again I already paid off where this charge comes from? she/he said " ohh..it is transferred from the old card. Even though I don't even received the new card, by calculating how much time and my energy I waist every time I called, I asked if I paid the amount my card will be closed? The agent said " yes " I paid all and I asked again to send me the conformation email or mail that I am not owing anything. As usual I don't received any email or mail regarding this. 
Again, after a couple of weeks when I checked, I sow {$3000.00} charge and to make a payment. I called again, they told me to file dispute. After that, every time I called, they telling me different things. Sometimes they say It is under investigation the investigation takes a time, once you file dispute you shouldnt worry about it. You dont need to pay anything but in the other hand they are harassing me with phone calls regarding late fees. Also, some emails from Citibank. 
Now I realized, I can't do by myself and I need help regarding this issues.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (NV)

The bank keeps using incorrect account information in regard to given name and charging, I, as XXXX XXXX ( XXXX XXXX ) or XXXX when I was given an indivisible name XXXX XXXX ( XXXX XXXX ) from XXXX with a perfect credit score ( tax classification ) that is indivisible as well and the account doesn't reflect tax classification, I, being given a perfect indivisible credit score. Than from application an error to include a middle name which isn't apart of my identification card used to aquire account I believe is blocking services promised to I by US Federal reserve banking institution in a perfect and indivisible credit score for bank to write off stuff as tax write offs.
Consumer complaint received 2023-12-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I got notification of from Credit Karma that there was debt placed under collection under my name while I used to live in XXXX XXXX  during that period of time. Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX XXXXXXXX {$3200.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$3200.00} Original Creditor XXXX XXXX XXXX Past Due {$3200.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Freedom Mortgage Company (FL)

I filed a complaint and received a response from this company. I would like to respond. They claim that my homeowners insurance was not accepted because my name was not on the loan. After speaking with an attorney, I was informed that the Homeowners insurance should be in the deed holders name. That would be me. 

The mortgage company says I submitted a premium showing my partners name so they accepted that and returned the money they took for the LPI. Once my partner passed I NEVER had a policy with his name on it since my insurance company said they could not insure a deceased person. I find it fascinating that the insurance they accepted from me, which was in my name, was during Hurricane Season and when Hurricane Ian hit my home and I had extensive damage. They allowed my company to cover those damages of course. 

They also say they spoke to me many times on the phone. I called Freedom mortgage when I received the letters about LPI and the only thing they would tell me is that they could not speak to me because my name was not on the mortgage. I tried to explain to them that not only I, but my insurance company sent the proof of insurance to the many times. Again, I was apologized to and was told again they could not comment on that account to me. I assumed my insurance policy was good enough since they accepted it in 2022. But no one would ever confirm that with them. If all of these calls have been recorded do they have a recording of all my calls on XX/XX/XXXX thru the XXXX? I did have an agent tell me that my payoff was XXXX and that they received my check and I was paid in full. 

I believe this company has been unfair and after all the documents they requested from me were sent to them and since my partner passed over 2 years ago they have have been nothing but rude and have been a big stress in my life.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On or about XX/XX/XXXX I was a victim of a security breach on Fifth Third consumers personal and business financial accounts, including but not limited to debit card purchases transactions. Consumers checking account was repeatedly breached by an authorized account takeover through Fifth Third debit card scheme ( which includes fraudulent payments to business entities for services, subscriptions and products unbeknownst to consumer. 

Fifth Third is playing games and tactics for beneficial gain which is fraud upon its face. Since XX/XX/XXXX Fifth Third strategy increasing the number of products, subscriptions and services to Consumers accounts as well as existing customers. Fifth Third is violating Illinois law by failing to exercise ordinary care and good faith in obviously fraudulent withdrawals. Fifth Third Bank security failed to detect that its withdrawals were visibly and clearly fraudulent.

Consumer is taking matters into its own hands by contacting the business entities directly for fraudulent payments and for same as oppose to dealing with Fifth Third fraudulent department. I contacted several business entities and have been successful in XXXX out of XXXX. The business entity XXXX XXXX XXXX indicated that the domain that was purchased was XXXX and the email was XXXX, which was fraudulently made up. 

Also now XXXX is involved with Fifth Third debit card scheme and since last night has withdrawn XXXX fraudulent payments for services, subscriptions and products unbeknownst to consumer. The Consumers financial accounts has went from positive to negative and not Fifth Third will began seeking beneficial gain for overdraft fees of {$37.00} and {$8.00} per day for each transaction activity. 

XX/XX/XXXX XXXX {$51.00} was reimbursed XX/XX/XXXX XXXX {$4.00}, {$4.00} and {$73.00} XX/XX/XXXX XXXX  and XXXX {$98.00}, {$66.00} XX/XX/XXXX Debit Card purchase at XXXX XXXX  mail, a XXXX for {$46.00} XX/XX/XXXX XXXX XXXX {$25.00}, {$39.00}, and {$39.00} XX/XX/XXXX Fifth Third Overdraft Fees {$37.00} per XXXX fraudulent XXXX subscription Fifth Third unlawful conduct is in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), the Truth in Lending Act ( TILA ), the Truth in Savings Act ( TISA ), and any and all other regulations.

Consumer seeks appropriate penalties and other monetary relief for injuries sustained since XX/XX/XXXX to present. 
Fifth Third actions falls under Section 1031, 1036 ( a ) ( 1 ), 1054 and 1055 of the CFPA, 12 U.S.C. Section 5531, 5536 ( a ) ( 1 ), 5565, 5565 ; TILA 15 U.S.C. Section 1601 and its regulation Z, 12 C.F.R. p1026 and TISA 12 U.S.C. Section 4301 and its regulations DD, 12 C.F.R. part 1030.
Consumer complaint received 2024-03-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NJ)

XXXX XXXX XXXX XXXX, transfered my loan services to Mr. Cooper/Rushmore Servicing , on XX/XX/23. During the transfer process my mortgage payment on XX/XX/23 of {$1100.00} was taken by XXXX XXXX XXXX from my checking account then wire transferd to Mr. Cooper/Rushmore that XXXX mortgage payment. As of today, Mr. Cooper/Rushmore has not reconized that payment. I have been sending proof since XXXX until now. Bank records, Wire transfer records from XXXX XXXX XXXX, countless calls with no resolution. I feel Mr. Cooper/Rushmore is at fault for taking this long to resolve this with proof I have provided. My credit is being affected. Mr.Cooper/Rushmore is charging me late fees when this not my fault. 

Please contact these parties : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Rushmore Servicing XXXX Rushmore Supervisor XXXX XXXX XXXX Email contact : XXXX XXXX
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (IN)

OK on XX/XX/XXXX, I did an E sign I did not get vehicle until XX/XX/XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX in funded from the credit acceptance corp its a nightmare situation. They have taken advantage of me and knowingly I feel extortion is the correct word I was told I have gap then service contract its still on contract then last thing I sign is paper stating my funding was capped I dont get those ok fine well they wont make my payment reflect the correct amount of XXXX instead of XXXX they took off service contract verbally but contract and amount are same at 24 % interest also snuck paper saying I owe XXXX more in 30 days after XXXX down payment they wont let me out of nightmare it states if contract is changed or edited then its void I would like to save my future from this get my money back and lets move on there a terrible company I found out
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (VA)

Between XX/XX/XXXX and XX/XX/XXXX, my mortgage company Shellpoint/NewRez received my mortgage payments and cashed them in, but has failed to apply them to my mortgage statement. I have submitted a request for an investigation with my bank, XXXX XXXX XXXX, in XXXX and again in early XXXX. In both instances, the investigation shows that ShellPoint received my payments ontime and cashed the payments. 

I've spent a disproportionate amount of time trying to prove to the mortgage company that they in fact have my money. I've been threatened with foreclosure and this situation is starting to impact my health. 

I may have figured out why the payment is not being processed on my own. When NewRez provided me with the account number last XXXX, they omitted a " XXXX '' at the beginning of my account number. I explained this to the representative at Shellpoint multiple times and they refuse to do any work to correct the matter. I made the adjustment to my XXXX payment, and it has been processed on time. 

I need some intervention and assistance. Thanks.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CO)

Today I needed proof of 3 cashed checks and I could only access 2. I repeatedly went through all of the search and advanced options to pull the check up, which was showing as cashed on my statement, to no avail. I finally called bmo customer service ( XXXX ) 3 times separate times. Reps have no idea what they are doing, they just keep repeated my name and that they will be happy to help me, then not actually helping at all, being disconnected, on hold for over a half hour with the csr and still can not get an answer on how I can get what I need, then finally being told it would take 2 days for a supervisor to return my call. I then called my branch and they answered the call " bmo, can you please hold ''?. I had to leave a message for the bank manager to return my call, which he did not do. When I called him back just before XXXX, he told he " they would have no idea what cashed checks to give me, and they can not do it anyway ''. I KNOW what checks I need. How can this be allowed to continue? It has been this way since they took over botw and this is my 2nd complaint here. I can not close out my account until I receive my last direct deposit check next month.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

This company is informing all major credit bureaus that i owe numerous accounts with XXXX and XXXX. They have not presented a wet ink signature contract with them and this debt they claim i have is not valid. This company needs to remove this wrong information or i will pursue legal action.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

In XXXX, while booking family flights I was targeted with an offer from XXXX XXXX for an offer of the Citi XXXX credit card with a {$400.00} sign up bonus and XXXX bonus miles. The offer seemed great so we applied, got approved and then purchased our tickets. 

After getting the card, Citi changed offer to their in house offer to XXXX bonus miles and not honoring my original offer. 

Ive reached out and was told nothing could be done unless I sent them a mailer or flyer and that the website alone is not proof of an offer to me. This was an offer given at checkout which I took advantage of at that moment. Ive been repeatedly told I can do nothing and the application team has what it has without any flexibility to honor what was rightfully offered to me. 

They only offered a courtesy of XXXX XXXX  miles and are unwilling to offer me what I was offered upon checkout.
Consumer complaint received 2024-07-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: T.S. Holdings (TX)

I have bot contract with the third party IQ Data International IN. No proof of this debt inquired was not provided by this third party, and I am now being harrassed with daily calls. I have nothing to do with this account it is not mine.
Consumer complaint received 2024-03-03
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: AMERICAN EXPRESS COMPANY (GA)

Hello, I can not spend the last {$11.00} on an American Express gift card. It is a couple of years old but still supposed to be valid until XX/XX/year>. It worked at some point prior, but no longer works anywhere, including my local stores, XXXX, XXXXXXXX XXXX XXXX 

After researching, unfortunately, I've found that this is a common complaint for this card.
Consumer complaint received 2024-03-04
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Capital one closed both my walmart card account and my menards account, they stated it was due to " fraud '' they stated that they returned my payment because it was an invalid account number. Capital one closed my accounts on XX/XX/XXXX without notifying of anything possibly being fraudulent or that there was any problems with either of my accounts. I made an additional 5 payments between the 2 accounts with the same bank account number they previously stated was invalid and therefore closed both accounts. The lady i spoke with told me that if i made significant payments to both of my accounts that the likelyhood they would reopen them was good. I paid an additional {$510.00} between them last payment being on XX/XX/XXXX all with the same bank account i have used since opening an account with capital one.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (MO)

Over 40 complaints closed with no resolution today experian stole NOW almost 20 of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NY)

On XX/XX/XXXX, I received a bill from a collections agency - Bull City Financial Solutions , Inc, for an XXXX ride I had in the summer of XXXX, for {$2000.00}. The XXXX ride was with XXXX XXXX. This bill had been paid in full by my insurance ( attachment A ). I responded and sent a reply back using their form on XX/XX/XXXX, disputing this ( attachment B ). However, I received another statement that was identical to the first. 

This time, I disputed the debt, writing a letter asking them to stop contacting me, and including the insurance statement. My letter is from XX/XX/XXXX ( attachment C ), and they received it via certified mail on XX/XX/XXXX ( attachment D ). However, in another letter signed XX/XX/XXXX, they continue to contact me about this debt that was fully paid ( XXXX ), violating my request to stop contacting me, and continuing to bill me for a debt that is not mine.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

I have been in communication with this agency for the past several months. They seem to be playing a game with move it from here and place it there ; as well as, adding account to replace a removed account. The company hos now reported erroneous information to XXXX. I intend to file a suit in Federal Court, promptly if the company does not remove every collection reported in my name from every credit reporting agency as of Friday, XX/XX/XXXX. The employees seem to think this a joke. I have spent countless hours and money dealing with this. I will be seeking {$1000.00} for every instance. Thank goodness my records are well documented.