davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
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: HSBC NORTH AMERICA HOLDINGS INC. (TX)

After My HSBC Master card has been stolen.for one hour, I did call to report the HSBC representative to close the account. She promised to close the account and to take care everything that I was not responsible for after the incident. Later on HSBC called me to deny what they said with me before. Therefore, I send them the incident report that was endorsed by the club manager where the incident happened as well as the case report number from police departments and the name of police officer who was taking care of the case. I have already mailed all of supporting documents to HSBC. XXXX XXXX
Consumer complaint received 2023-05-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (TX)

To whom it may concern, Please I need your help. I am filing a complaint about Synchrony bank XXXX whom I have had a 13 month ROTH IRA CD account # XXXX which matured XX/XX/2023. I have requested in writing with my signature 2 weeks prior to the maturity date that the funds be rolled over to XXXX XXXX XXXX XXXX  also sent them the necessary documents for the roll over transfer. 
After several days from XX/XX/XXXX, I checked with XXXX XXXX several days in a row and they informed me that they have not received the funds. So I contacted Synchrony bank and informed them that XXXXXXXX XXXX has not received the funds. Synchrony responded by saying the check for the entire Roth IRA CD {$130000.00} was mailed XXXX the XXXX. After waiting several more days I contacted XXXXXXXX XXXX  who told me they received nothing. Since then I have contacted Synchrony bank at least 25 to 30 times. I have requested they put a stop on the previous check ( which my bank never received ) and to issue me another check to be rolled over to my XXXXXXXX XXXX. I have requested at least over twenty times for a manager or supervisor to call me to confirm my request but I never received any phone calls. All they did is give me the turn around over and over again. 
Until now my XXXX XXXX has not received my funds, its almost XX/XX/XXXX. 
Its a retirement account for Gods sake that I worked for many many years. I can not afford losing my life savings, please help. In the mean time I have lost all the high interest that I could have made since XX/XX/XXXX at 5.25 % interest rate. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My XXXX XXXX address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

I never had a debt owed to XXXX. They sold information to a company which is now stating I opened an account with them XX/XX/2022. That information is false Ive never opened an account with this company before. They are claiming I owe them {$1900.00}. Which is false. This information is reporting falsely to all the credit agencies and needs to be removed immediately. They dont have any knowledge of me opening anything or my signature on anything.
Consumer complaint received 2023-05-26
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. (PA)

My name is XXXX 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.
Consumer complaint received 2023-05-31
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. (TX)

Despite multiple written requests, the unverified inquiry listed below continues to report on my credit report in violation of federal law. This inquiry must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not delete this inquiry, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2021
Consumer complaint received 2023-05-31
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. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$160.00}, Medical XXXX Balance : {$770.00}, Medical XXXX Balance : {$770.00}
Consumer complaint received 2023-05-31
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. (TX)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX M XXXX XXXX XXXX A XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX  XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (LA)

I have identified inquiries on my report are not related to any transactions completed by me. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid 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. (DE)

My credit card was compromised on XX/XX/16 XXXX by XXXX. Citi gave me a new number and I continued to use this card. However, Citi has not credited all of these amounts. The statement that I received yesterday states that I owe {$3400.00} and I only purchased XXXX, leaving a balance not owed of {$3400.00} that I do NOT owe. I have continued to pay for my purchases since the original dates, but Citi either has not credited my account or gave the credit to someone else. After many calls and responses, Citi has not corrected my account. This includes 3 calls with my banker at 2 to 3 hours each. Two times this past year I was told that I didn't owe anything. I have read Citi 's response, but simple arithmetic says that all of my purchases have been paid and I still owe over XXXX XXXX dollars.
Consumer complaint received 2023-05-31
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: Advantage Credit, Inc. (CA)

I am trying to get a home and I have filed identity theft because there has been an abundance of inquires on my report. I can't get anything let alone I refuse to have my credit ran with all these inquires on it. 15 USC 1681
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (MD)

Unauthorized Inquires on my credit report XXXX XXXX XXXX Bank ) XX/XX/2022 XXXX  XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX  ( Bank ) XX/XX/2022 XXXX, XXXX ( Bank ) XXXX XXXX, XXXX  XXXX ( Finance ) XX/XX/2022 2022
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

Three months ago, our checking account with U.S. Bank was closed to due to fraudulent activity. They created a new account for us, but within 2 weeks, the exact same thing too place. Therefore, we decided to just transer our money to another bank. U.S. Bank has told us that in order to do so, we need to be issued a check for the new account, but we've been waiting 2 months and no check has been issued. We call the Fraud Dept. weekly and the same thing is being said - " We have no timeline of when to expect the check to be issued ''. We are two XXXX XXXX  people and all of our money exists in this account. We are forced to constantly use our credit cards, but those bills need to be paid and yet, we don't have access to our own money!! This situation is more than just frustrating, but it's causing us to receive notices from collection agencies because we don't have access to funds to pay our bills. Please please help us. We have a mortgage to pay and we are in a serious problem. We just want to be issued a check to move our funds out of U.S. Bank, Thank you.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX {$1800.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2017-01-22
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ALCHRO INC. (TX)

My husband went to our XXXX 3 times. 
Once was for a XXXX. XXXX. The XXXX went away on it 's own, and while XXXX paid for the XXXX and XXXX, they did not pay for the XXXX. My husband was not made aware of the fact that XXXX would not, or may not, pay fort he XXXX when the XXXX was taken. I believe this should have been done BEFORE the XXXX was taken. 
His second visit was because he had a XXXX. He paid the co-pay, XXXX, or so she thought. 
The third visit was because the XXXX. Most XXXX would have made the XXXX without additional cost, but this XXXX charged a co-pay AGAIN, which my husband paid. 
All of these visits and charges were posted onto MY account with the XXXX, not my husband 's. I do not know if the XXXX correctly submitted the XXXX to XXXX or not, since it is on my account rather than my husband 's. 
Now, there are XXXX collection notices on MY credit report. While I do not believe anything should be due at all, the XXXX collections are adversely effecting my credit. If there is any collection at all, it should certainly ONLY be XXXX issue.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (NY)

I am a victim of identity theft. On XX/XX/XXXX, the suspect opened credit card account XXXX with XXXXFORTIVA and accrued {$3500.00} in charges. I believe the suspect stole my mail, specifically a W2 tax form sent from my previous employer, from a mailbox located at address XXXX XXXX XXXX, XXXX, NY where I lived from XX/XX/XXXX through XX/XX/XXXX. I discovered this fraudulent account on XX/XX/XXXX as I was looking at my credit report and noticed this unfamiliar bank and delinquent account. As soon as I discovered the account, I called Fortiva to report the fraudulent account. I spoke with a representative in the Fortiva Fraud Department, XXXX, who advised that the account was opened using the XXXXXXXX XXXX XXXX XXXXXXXX address. I had not been living at this address for 2 years when this account was applied for and opened on XX/XX/XXXX. 

On XX/XX/XXXX, I reported this theft to the XXXX XXXX XXXX Precinct, XXXX XXXX, who advised that I needed a written statement from the bank with details and information used to open the account before he could file a police report. On XX/XX/XXXX, I sent Fortiva a letter of request for business records related to this fraudulent account, along with the FTC Identity Theft Report, my government issued proof of identity, the Fair Credit Reporting Act Section 609 ( e ), and a link to ftc.gov resource titled Businesses Must Provide Victims and Law Enforcement with Transaction Records Related to Identity Theft. 

It has been 30 days since I sent Fortiva the letter of request for business records related to this fraudulent account and the only correspondence I have received is an Affidavit of Fraud form to fill out and send back to them in order for them to investigate. My consumer rights have been violated and I demand resolution to have this fraudulent account removed from my credit files. I have taken steps to dispute this fraudulent account by reporting the fraudulent account to Fortiva, disputing the account with all three credit bureaus - XXXX, XXXX, and XXXX - filing a complaint with the XXXX, as well as the XXXX  Police Department. Additionally, I have placed a freeze on my credit, set up fraud alerts, and added consumer statements with all three credit bureaus. 

This credit card account was opened fraudulently using my personal information without my consent or permission. I did not open or authorize this account. My credit report is showing incorrect information by claiming this credit card account under my identity. I demand that Fortiva, XXXX, XXXX, and XXXX absolve me of all charges on the fraudulent account and all activities associated with it, and that all appropriate steps are taken to remove information about this account from my credit files.
Consumer complaint received 2023-05-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

REPEAT VIOLATIONS AS PRIOR HISTORY OF DECEPTIVE ACTS AND PRACTICES IN VIOLATION OF THE CONSUMER FINANCIAL PROTECTION ACT ( CFPB ) 12 U.S.C. 5531, 5536. AND FDCPA 15 U.S.C. 1692e FALSE AND MISLEADING REPRESENTATION IN CONNECTION WITH THE COLLECTION A DEBT. 

FALSE AFFIDAVITS, UNTRUE CLAIMS THAT WERE SWORN TOO. 

I HAVE BEEN DAMAGED FROM FABRICATED EVIDENCE CREATED TO FOOL THE JUSTICE SYSTEM I HAVE ATTACHED A SAMPLE OF THE FABRICATED MONTHLY STATEMENTS USING XXXX CREDIT CARD TEMPLATES TO MAKE XXXX ACCOUNT, THERE ARE MORE OF THE STATEMENTS WITH MIXED SECTIONS OF ORDER. THE SECOND ACCOUNT IS NOT IDENTIFIED HAS MISSING XXXX  YEAR HISTORY SAME MIXED UP SECTIONS. CONTAINS FABRICATED CHECKS ( NEVER USED ) AND XXXX POSTAL CLERKS CONFIRMED THAT ADVERTISEMENT ENVELOPES ADDED IN INFLATED STATEMENTS WITH MY ADDRESS WERE NEVER MAILED. 
I HAVE NEVER RECEIVED THE MONTHLY STATEMENTS AND THEY WERE NEVER SENT/MAILED TO ME. THEY WERE CREATED AFTER LAWSUIT STARTED. 
IT SHOULD BE NOTED THAT ALL OF THE FABRICATED EVIDENCE AND FALSE AFFIDAVITS ARE CREATED IN BANK OF AMERICA DEPARTMENT CALLED THE RESEARCH AND ADJUSTMENT ( COLLECTION DEPARTMENT ) THE EMPLOYEES ARE HIRED AS RESEARCH AND ADJUSTMENT REPRESENTATIVES, I HAVE ATTACHED THEIR JOB DESCRIPTIONS LEVELS XXXX  & XXXX, THE TITLE OF " OFFICER '' DOES NOT APPEAR IN JOB DESCRIPTION AS IS USED ON AFFIDAVITS, THEY DO THE SWEARING AND NOTARIZATION IN THAT DEPARTMENT MOST TAKE TURNS SIGNING AND NOTARIZING AS MOST I INQUIRED ABOUT EACH HAD NOTARY LICENSE. THEY MUST WORK DIRECTLY WITH ATTORNEYS TO GET THE EVIDENCE NEEDED IN COURTS. IT IS IN JOB DESCRIPTIONS.
Consumer complaint received 2023-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (TN)

This debt has been paid off. I keep having debt collectors reopen the account and I dispute through the credit bureaus. It comes out in my favor due to it being paid off already, but my credit score falls and it takes time to correct.
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MI)

I received a letter from XXXX XXXX XXXX stating that I owe PayPal a {$30.00} debt as of XX/XX/23. I don't have a debt on my PayPal and in fact have a {$100.00} credit. The account is also linked to my bank and credit card and hasn't shown up on my XXXX Credit report. I am waiting to hear back from PayPal but I am not sure how to proceed as it appears my information ( name and address ) is available online, but not sure what else. 

A photo of the letter is attached.
Consumer complaint received 2023-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (UT)

TD BANK USA/TARGETCRED {$1100.00} I had a person from the county of XXXX in Michigan come to my door and serve me with paper on a debt I found out that I did not owe. I ended up paying the amount. However, it is still on my credit report. This account is settled and needs to be removed now. 

I reported this debit as fraudulent and it is still on my credit because they are using the payoff as a form of validity. Which, I think is wrong and spiteful. This was also in the wake of my finding out I am a victim of identity theft.
Consumer complaint received 2022-11-30
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. (PA)

I have XXXX chargeoff on my report The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
Consumer complaint received 2023-05-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (IN)

indiana housing and community development senXXXX Cross country mortgage XXXX on XX/XX/XXXX to date which is XX/XX/XXXX they still havent applied the money ive made several attempts to get this resolved and i keep calling every week and still no answer the customer service is rude beyond measures and very unknowledgeable about the business there speaking about. they always tell me a supervisor will call me back and they never do. i called Indiana Housing today and they gave me the info to file a complaint cause they say the money was sent electronically and CrossCountry recieved it and they had 31 days to apply the paymen this is now XX/XX/XXXX 4 months later i have numerous of reciepts from Indiana Homeowners where they sent the payment. Got a paper in the mail on XX/XX/XXXX stating my mortgage will go up by XXXX dollars because of deliquency and im not deliquent
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MA)

I signed up for a balance transfer and it took place as usual. I was charged the 5 % transfer fee, which I knew about, and each month was charged a monthly interest fee at my special rate of 2.99 %. I made the minimum payment each month before the due date. 
Last week I paid the balance, months prior to the end of the special rate. After the payment was processed I received another interest charge that was 4 times that of my monthly interest charge. When I called to ask what the charge was for I was told that it was because I was making partial payments. The representative first told me that the minimum payment was not really the minimum payment and that it was a partial payment. When I asked her to clarify she said that I was assessed the interest because I didnt pay enough, and then said that I did pay the minimum payment that was required but that didnt count the interest. She did not sound confident in her answers and when I asked to file a complaint she said she would transfer me and I was hung up on. 
I checked the statement and it said that the interest was due on a portion of my remaining balance and not the entire remaining balance. Either way, the interest charged was not something that I have ever seen before and Ive been doing balance transfers for 22 years. My credit score is above 700 and I dont have any missed payments on my report. There is no logical explanation for the charges other than computer error or predatory lending.