davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

XX/XX/2022 : I received a letter from CMRE FINANCIAL SERVICES INCXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which attempted to collect {$220.00} to XXXX XXXX XXXXXXXX XXXX XXXX. In fact, I never visited that medical group and there was no bill or any evidence indicating that I had any business with either entity.
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (NJ)

I had a credit card account with XXXX XXXX that went delinquent for several months and the account was eventually closed. XXXX XXXX  then sent the debt to Cavalry SPV I LLC which is a debt collection agency. By this time, I already enrolled in a debt consolidation program thru XXXX XXXX XXXX. The amount owed at the time was {$4000.00}. XXXX XXXX worked with Cavalry to see if a settlement could be reached. On XX/XX/21 a settlement offer letter was sent to me after both parties finally reached a agreement. Cavalry agreed to accept {$2000.00} instead of the original debt of {$4000.00}. Four payments of {$520.00} was scheduled for XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. Payments were made and successful for the first three dates. However, the last payment was rejected by Cavalry. The debt was then sold to a 3rd party collection agency ( XXXX XXXX XXXX. ) seeking the original amount of {$4000.00}. I never received credit for the first three payments {$1500.00} ) nor did I receive my money back. The 3rd party is currently taking me to court for the full amount with XXXX XXXX full support. First they went back on the settlement that was reached, then they basically took my money, and now they want to take me to court for the original amount. This is just wrong and so unfair.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (NV)

On XX/XX/year>, an unauthorized/fraudulent credit inquiry was made to FEB/DESTINY bank using my XXXX XXXX 

I attempted to reach Destiny Card, and haven't been speak to a person regarding the fraud. Please help remove this fraudulent inquiry from all 3 credit bureaus.
Consumer complaint received 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (TX)

I checked my credit score, and I found out there are three new accounts opened with my known. I called three credit card companies ( Discover Card # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) and asked for the address & phone number. 

I figured out it was my separated husband ( he lives in California, and I live in Texas ). I reported three companies with all evidence of card expenses in Texas so they could see that I did not open and use the credit card. But it looks like they don't take it seriously, and they told me that I should probably pay all credit card expenses. I asked him to divorce, and we submitted the joint petition for summary dissolution application in XXXX. 

Please help me with what I should do. 

I will attach the documents I did not open using those three credit cards. Also, attach the joint petition for summary dissolution application.
Consumer complaint received 2021-01-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX is and has been on my credit report for sometime. I have made several calls to the number on my report with XXXX  and on Equifax. I have even disputed the account. 

XXXX XXXX is showing 2 accounts with 2 different amounts. when I called on XX/XX/XXXX, XXXX the lady on the phone said she has my information but does not show her the school. I asked her who received this money and which school did this money go to. 

I informed her that had gone to one school one time and that was for XXXX back in XXXX and that loan XXXX reflects when I was in school starting loan XXXX for XXXX enrollment. 

I have no information on what school this went too along with the many fraud accounts that have been removed from my account. for misidentify. I had inquired about a school one time and never pursued the school because of the false advertising the school provided by me verifying with the XXXX XXXX XXXX  XXXX XXXX XXXX on proper certification once completing a course the Board told me that school is not credentialed and it is only a place of business only not a place of education. I never applied to the school. I only inquired about the school. 

But XXXX XXXX on 3 calls lasting 2 minutes could not give me any information on their account on my credit report because I am trying to clear my credit report of debt. 
The lady at XXXX XXXX XXXX  could not tell me why I never received any bills for this account nor any sort of resolution to this account. 
I ask for XXXX XXXX XXXX to be removed from my credit report on XXXX  and on Equifax based on me trying to resolve this account with no answers directly from the company.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Credence Funding Corporation (FL)

CREDENCE FUNDING CORPORATION ( XXXX XXXX ), XXXX AND XXXX XXXX   ( XXXX XXXX ) ARE ALL ENGAGED IN AN ACTIVE CONSPIRACY TO WRITE FRAUDULENT LOANS FOR ELDELRY PEOPLE FOLLOWED BY THEFT OF HOME USING COMPLEX AND ILLEGAL ESCROW MANIPULATION TO CONFUSE AND ROB THEM. SPECIFICALLY IN THIS CASE WE HAVE A LOAN WITH MISSING ITEMS ON LOAN AND ESCROW DISCLOSURES, AND A THEFT OF {$1500.00} FROM THE VICTIM 'S ESCROW ACCOUNT AFTER HER HUSBAND DIED.. WE HAVE A LOAN THAT NEVER MATCHED THE PAYMENT QUOTED AND A HOUSE PAYMENT THAT DoUBLED SEVERAL TIMES DURING THE COURSE OF THIS FRAUDULENT LOAN 'S EXISTENCE. XXXX EMPLOYEES CONFIRMED THE MULTIPLE COUNTS OF LOAN FRAUD, A COPY FROM THEIR LETTERHEAD IS PROVIDED HERE.
Consumer complaint received 2024-05-02
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: Incomm Holdings Inc. (NC)

We received a Vanilla Card for a birthday gift in XX/XX/XXXX XXXX. The value of the card was {$50.00}. This card balance was {$0.00} when I used for the first time on XX/XX/XXXX. I emailed them on XX/XX/XXXX copy of the front and back of the gift card, legible photo of the receipt, as their online website details to contact them when you have an issue with a card with no funds. I received an email stating the following : Your documents have been received. Please allow up to 24 business hours for documents to be processed to your ticket. In most cases, you will hear back from us within 3-5 business days after the required documents are received. However, it can take up to 30 days. If you need updates on your ticket, please reach out to the XXXX number on your card or visit our website. This inbox is not monitored for inquires. 

I never received any type of call back, no correspondence, nothing. However, I still waited to hear back in case, there was any type of delay due to the holidays. I called their XXXX number on XX/XX/XXXX and I was told that my case was escalated and they issued me a case number. I told them my scenario of trying to use a card which had a {$0.00} balance. It was opened for the first time in the restaurant. I waited and waited to hear from a supervisor and no one called me. 
I called again on XX/XX/XXXX. Again, I spoke to a supervisor named XXXX and complained again for the same thing. I told them I had emailed them everything they needed and yet I still have not received my replacement card in the mail like I was promised two months back. I was told to wait to hear back. 
I called again on XX/XX/XXXX and spoke to XXXX. She stated she will accelerate my case and will send a card after talking to investigation team. I was promised the same with this phone call as with all the others and I was extremely upset. 
Again, after couple months later, I decided to try again to see what the hold up was since I never received any correspondence nor any phone calls to receive any type of resolution to my issue. I called again on XX/XX/XXXX. I was issued another complain log #. I was asked for my date of birth and my address again. They should have had all this information, yet I was asked again. I refused to give any more information as this should be documented with the many times I had called. She did not offer me any resolution except I could speak with the XXXX and again I would have to wait 24-48 hours to receive a phone call. I explained that I never receive a phone call and she went on to say that it could be due to a wrong number documented. At this time, I am again furious and frustrated that this is a scam. 
I have decided to make a formal complaint to receive the funds from this gift card. 
I am attaching the receipt used for the purchased in XXXX and the cover that the card was given to me.
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

I called the following collection agencies regarding the accounts on my credit report. collection accounts un LVNV, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX are reflecting Open and showing past due balances. I also have documentation from LVNV - Resurgent charging interest on account that should be closed due to write offs from original lenders.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WY)

I have attempted multiple times to get XXXX and the Credit Reporting agencies to update my three private student loans. When I made a payment to XXXX it was for my federal student loans, not my private loans. The private loans were from XXXX and were beyond reporting years even in 2017 when XXXX claims XXXX made my last payment and/or became delinquent. I paid my FEDERAL loans that were managed by XXXX at the time, not my private loans. 

I have contacted Equifax and XXXX multiple times, as well as my husband since he is my co-signer on the private student loans with XXXX help. I've asked for a copy of whatever proof has been given to show the money went to the private loans, but all I receive is the comment " the creditor has verified that the date is being reported correctly. Additional information has been provided from the original source regarding this item. '' I have never, sadly, made any payments on my private loans that I took out for my degree at XXXX University. I believed that all of my loans had been consolidated and only paid, minimal federal student loan payments. XXXX is incorrect in reporting that I made a payment on my private loans and the money paid should have been posted to a federal loan payment that they were managing. 

I would appreciate any assistance in correcting this information on my credit report as well as my husband 's. I'm being punished for debt that is older than 14 years. 

Thank you in advance.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 I submitted the following complaint. The complaint # is XXXX and I do not agree with the bank 's response. 

Dear Sir/Madam, I am writing to formally file a complaint against Chase Bank due to their mishandling and neglect in a case of fraud concerning my bank account. 

On my recent trip to Louisiana, I was the victim of a fraudulent transaction that accessed my bank account without my knowledge or authorization. What's more distressing is that Chase Bank, despite evident security issues, failed to take necessary protective actions to secure my account and is now refusing to acknowledge their lack of security and take responsibility. 

To elucidate, on XX/XX/2023, I had a conversation with a representative from Chase Bank regarding the unauthorized transaction of {$3700.00} that took place on XX/XX/2023. The representative confirmed to me that the PIN associated with my account was incorrectly entered on the first attempt of the said transaction. The perpetrator succeeded in the subsequent attempt. I inquired as to why my card wasnt locked or flagged, considering the wrong PIN entry and the unusual nature of such a transaction for my account. The representative had no satisfactory response, only mentioning that the issue had been escalated to his superiors. 

It's alarming to think that such a large transaction, which is atypical for my account, combined with an incorrect PIN entry, didn't trigger any security protocols at Chase Bank. It raises serious concerns about the bank 's commitment to protecting its customers ' funds and personal information. 

Furthermore, Chase Bank did not request a police report when I first reported the fraud. Even after escalating the matter, the executive office neither asked for the police report nor inquired about any detailed specifics regarding the fraudulent transaction. 

It is disheartening to be in a situation where, as a loyal customer, I feel let down by a financial institution that I entrusted with my funds. I request the CFPB to intervene in this matter, not just for the recovery of my funds but also to ensure that such security lapses do not affect other customers in the future. 

Thank you for your attention to this serious matter. I am hopeful for a prompt and just resolution. 

Sincerely,
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

There was a XXXX scam that happened to my account. I did not authorize this, XXXX is provided by Citizens Bank. The amount was {$750.00}, the bank refuses to stand by their XXXX  and protections on the account and they refuse for whatever reason to return the stolen money to me.
Consumer complaint received 2021-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC (AZ)

This alleged debt collection for {$1500.00} from Healthcare Collections - I LLC popped up and appeared on my credit report last year. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. There has been no debt validation or verification provided to me concerning this alleged debt collection. I've requested all of the following with no response : -The original contract -Payoff disclosure -Interest Rate disclosure -Balance history -Payment history -Credit Insurance This company can and will not validate or verify this information for the simple fact that they, along with the original creditor, XXXX  XXXX would be in direct violation of HIPPA laws. I've disputed this alleged debt several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be XXXX XXXX accurate. 

XXXXXXXX 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 XXXX XXXXXXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

XXXX XXXX Bank ss ( XXXX # same inquiries ) wasnt able to provide contract agreement details of fraudulent loans. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they wasnt able to provide contract agreement details of fraudulent activities to obtain retail credit nor activities related to me documented. And XXXX, Its reported as well fraudulent on the XXXX CREDIT REPORT. Identity theft reports as well as police reports and complaints and disputes of XXXX VIOLATIONS to my privacy, and slander of these false reporting to my report.EXPERIAN CREDIT AGENCY fails to comply with the fcra, XXXX, and the cfpb
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NV)

I used my Citibank XXXX XXXX XXXX  card to reserve an XXXX. XXXX cancelled reservation XXXX weeks prior and supposedly return funds to Citibank. My Citibank account is closed and XXXX had new card. Now Citibank says it could be up to XXXX to XXXX days to get my funds back that were returned from XXXX. These are my notes of the timeline. 

XX/XX/XXXX, XXXX XXXX XXXX XXXX forXX/XX/2024 paid deposit of {$1000.00} with my CITIBANK XXXX XXXX XXXXXXXX. 

XX/XX/XXXX, XXXX Host messaged me to cancel XX/XX/XXXX, XXXX XXXX said they initiated the refund in FULL, to a KNOWN XXXX bank account, declined to just give account credit even though I stated I was going to spend the money with them for another XXXX XX/XX/XXXX, XXXX Reserved NEW XXXX, paid {$1000.00} with a different card from different institution. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX supervisors declined to call me to speak on issue, would only message to me to say that they couldnt do anything and I could only call me bank for an update. Only messaged me at XXXX XXXX and then would not reply for days. 

XX/XX/XXXX, XXXX Paid remaining balance on the new XXXX of {$720.00} XX/XX/XXXX, XXXX I spoke with an agent at XXXX named XXXX who stated that my refund has been re-received with XXXX and rerefunded to my new card on file and that would receive it within XXXX hours, AND the same night/late that night I received a messaged from a NEW agent stating that they had no idea who and why I was told that because they did not send out the funds to a new bank and that they dont have any funds to help me and if I wanted an update I needed to call the bank and not them XX/XX/XXXX, XXXX I sent requested screenshots to XXXX from when I spoke to my bank of them stating they have not received any funds from XXXX, after thaXXXX XXXX ignoring my messages and calls for XXXX days! 

XX/XX/XXXX, XXXX XXXX messaged me stating I needed to send in a XXXX XXXX of my bank stating they have no received any funds. ( still have no received requested supervisor call for now over XXXX days, even though they said callback time would be no more than XXXX hours ) I was told I would have a call back from Citibank on XX/XX/XXXX from the supervisor team # ID XXXX ( they wouldnt give a name ). I still have not received a call nor an update or my money. I fully paid and utilize a whole new XXXX and am still waiting for my original refund of {$1000.00} which neither CITIBANK or XXXX say they have. This has caused me great financial hardship and o cant get any answers from the bank or the company.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I was charged {$150.00} on XX/XX/23 for a class I did not attend. I disputed the transaction with Wells Fargo, and I initially received my money back, only to be charged {$150.00} on XX/XX/23, resulting in an overdraft of my account.
Consumer complaint received 2023-09-28
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. (CA)

Good morning. At this point I want ; 1- Complete accounting of alleged debt. 
2- Completed detailed transactions, refunds, chargebacks, credits, or dishonored checks that put the account on negative balance. ( All Credit Card Statements from beginning to last one ) 3- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. ( Original and Completed Credit Application Form ) For all accounts Experian fail to block or remove using the expression " Furnisher had certified to Experian this account belongs to you '' I will be demanding this documentation or information MUST BE REMOVED from my credit files. 

Attached a complete set of Documents to support my Identity Theft form.
Consumer complaint received 2023-05-17
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. (NJ)

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. 
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