davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I went into Huntington Bank to exchange some pesos Into dollars I brought in XXXX pesos they said the equivalent was {$4100.00} they said it would be deposited into my account within 7 to 10 business day I waited 10 days I called they said they didnt know anything yet on the 12th day I called and they said that it was denied that the bills that I turned in were old I didnt understand because I had taken pictures of the bill and one of the bills said XXXX thats not that old. when I asked when can I come in and get my money back they said they were not giving it back that it would be destroyed by the federal reserve I said why its my property if youre not gon na give me the {$4100.00} please give me back what I brought in the pesos that was my dads he passed away two years ago he gave them to me and I have a big expense with a new XXXX Ive been in a XXXX for 26 years, I need it to cash it in so I can help pay for my 20 % of my Medicare part. At that time he said he was not able to give me any more information that I would have to XXXX the federal reserve and their practices I asked for a letter phone number address he can not supply me with any information other than I was not getting my money or my pesos back. im sorry but I do believe that that is wrong is my property I should be able to get it back. I am a XXXX year old woman, I went ahead and googled the federal reserve I called them they suggested for me to put in the complaint to the consumer finance because its not right and I want my money back dollars or pesos. I could really use the dollars to offset my unexpected expense but if they cant do it then I believe I should get my pesos back I dont understand why this process is so misleading and so wrong. thank you in advance for your time to look over this complaint I hope things can get resolved and I hope that this practice is not really used by the federal reserve of destroying money without explaining why or not given the money back as a souvenir even I just dont understand. I do have a receipt from the bank I do have pictures of the money in case I need to turn them in I can do so.please I hope to hear from you soon have a blessed day.Thankfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Consumer complaint received 2021-09-20
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: TD BANK US HOLDING COMPANY (PA)

1. td bank - wrongly posted a late payment on my XXXX  credit report on - XXXX XXXX. 2. TD BANK has admitted their error in writing. 3. i have explained & uploaded the letter to XXXX the letter from XXXX & XXXX. 4. but after 30 phone calls, 80 hours of phone & internet time, nothing has changed! 5. I HAVE A LETTER from TD BANK saying i did nothing wrong, td was at fault & it requests that XXXX remove the late posting 6. i am a XXXX XXXX XXXX XXXX, and XXXX XXXX  and thus situation is making my health worse. 7. its also costing great physical & financial problems. - i NEED HELP! please help me in this matter. sincerely.. XXXX XXXX, XXXX and XXXX XXXX emoji derogatory information immediately. XXXX  theres nothing at all, they seem to only care about the corporations, and not the individual who needs help
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

Received a letter about unemployment insurance personal identification number. However, I did not submit an unemployment claim. I contacted Colorado Department of Labor and Employment at coloradoui.gov and reported the fraud online. I also called XXXX  and went through their process to put a fraud hold on my social security number with XXXX who informed me they would contact XXXX  and XXXX  to inform of the fraud hold. A few days later, I received a U.S. Bank ReliaCard with instructions for activating the card. This is the card used to received the unemployment benefits. This is the second time I have received this card. The last time I received it I called U.S. Bank and they told me to call unemployment. When I called unemployment, they told me to call U.S. Bank. I got the run around and all I wanted to do is close this account. I believe someone has stolen my identity and applied for unemployment benefits in my name.
Consumer complaint received 2020-11-11
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Toyota motor credit is activity reporting false payment history information on my credit report on payed off vehicle which is effecting my credit please have them remove this payed off balance this is effecting me to obtain credit and has me at a low credit rating this is currently all false please remove this credit payment history provide me with proof of dates times and of verifiable proof off any money owed or late payed thank you XXXX XXXX XXXX
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CO)

Account was opened in my name without my permission- Refer to The Below Alert I have been made awareness of the responsible person is that has been using my identity for some time now without consulting with for my permission or anything of that nature.. 

XXXX REPORT STATES : Account Details High Credit {$18000.00} Owner UNDESIGNATED Credit Limit {$32000.00} Account Type REVOLVING Balance {$1700.00} Date Opened XXXX XXXX, XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount $ XXXX Months Reviewed 12 Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Flexible Spending Credit Card Date Closed Date of First Delinquency Comments Contact CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NJ)

Applied for forbearance with ally bank in XXXX of 2020. After they admit they coded account incorrectly and XXXX of letters, emails and calls o am no closer to being able to make payment or fix my credit We even have payments we made with banking numbers given to us by ally never go through. 

We want our second mortgage to resume payments and have our credit fixed We send the documents they want many times and each time told thats all they need and then get another letter asking for exact same info Latest letter asks for my tax return while saying they have my tax return
Consumer complaint received 2022-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

I believe this to be a legitimate scam. I received a letter in the mail on XX/XX/2022 from TSI ( Transworld Systems Inc. ) I've never heard of them or the Creditor : XXXX XXXX XXXX. Several of the phone numbers i found to contact both companies, don't work and the one that does, goes to a very suspicious routing system and i never get a person or resolution. The letter says i owe {$1100.00}.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

It has come to my attention that there has been a compromise regarding my credit with your institution. I have been made aware that despite being accompanied by an FTC report # XXXX, you have neglected to remove certain items. It is imperative to emphasize that under section 605b of the FCRA, you are legally obligated to expunge accounts determined to have been opened through fraudulent means. The disputed accounts in question were initiated without my authorization. Enclosed herewith is the requisite FTC Report bearing reference # XXXX. I urge you to promptly eradicate these accounts. Failure to furnish records and insistence on the validity of these items will compel me to pursue legal action. Neither I nor my legal representative tolerate any form of subterfuge. Therefore, I implore you to adhere to the stipulations of the law for the swift resolution of this matter. Kindly remove the disputed items, as they were unauthorized and contravene Section 605B of the Fair Credit Reporting Act : EXPERIAN : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (FL)

I received a letter from a 3rd party offering legal services for a debt collection filed against me by LVNV Funding LLC on XX/XX/21. A docket sheet was included in this letter and when I searched the docket number I can see that there is a legitimate civil complaint filed against me and they are claiming I owe {$830.00}. This is scheduled to go to court on XX/XX/21 in Pennsylvania where I no longer even live. I have no debt showing on my credit report, have never been contacted by a company or collection agency regarding debt, and would not even have known about this civil complaint if it were not for the 3rd party ( XXXX XXXX XXXX ) sending the letter and offering legal services. I have tried to contact LVNV regarding this matter and have not been able to get any information about what debt they are claiming I owe them.
Consumer complaint received 2021-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

Hi XXXX XXXX again with my 3rd complaint. I just want to let XXXX know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/XXXX and XX/XX/XXXX. Was out of work for Covid 19. Fall behind and I did pay the monthly off in XXXX when I went back to work So they reported it as late on my credit report I ask the credit bureau to remove and they said no And XX/XX/XXXX I had death in my family was out of town for 2 months left my credit card at home my sister died and left a XXXX  son and trying to get a house so he can move I. With me but these late payments are hurting me I been deny a lot of things because of these late payments
Consumer complaint received 2021-09-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC (CA)

I was place in a repayment plan XXXX of XXXX. My original mortgage payment was for {$2700.00}, it increased to {$3300.00} once I was place in a repayment program for 24 months. I hace been consistent since XX/XX/XXXX. My original past due balance was {$14000.00}. I have made {$32.00}, XXXX since I have been on this program. 

I am in receipt of a notice informing me they are removing me from the program and I am due to pay {$16000.00} in full by XX/XX/XXXX otherwise they will start a foreclosure process. I should only owe for XXXX and XXXX total of {$5700.00}. This is the 2nd time I try to refinance and they have prevented me from obtaining a new loan. I had previously spent 7 months trying to have them correct their mistake when they reported me late to the credit agencies. I received letter of apology from them in XXXX and here we are in XXXX and I am going through the same experience when I tried to refinance the first time. 

I would great appreciate your help
Consumer complaint received 2021-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Hi Transunion XXXX again with my 3rd complaint. I just want to let TransUnion know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has illegally and falsely placed an Bankruptcy on my consumer report..I have asked transunion several times to validate the account..THEY HAVE FAILED. I asked them who was the furnisher of this account and they told me it was the BankRuptcy Court ... This is a lie, as I have contacted them and they do not communicate directly with the courts. Transunion is using data which I never gave permission to use from a third party company such as XXXX XXXX or public records database which is not only not accurate but they are not obtaining thin information directly from the original furnisher..This is a violation of my consumer rights and I DEMAND MONETARY Compensation for this violation
Consumer complaint received 2021-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (MI)

On XX/XX/XXXX I was sent a collection attempt for an alleged medical debt from Revco Solutions in the amount of {$150.00}. On XX/XX/XXXX I had emailed their management office a request for them to provide supporting documents from the original creditor to substantiate the medical debt. I was very detailed in my request and explanations to the company. On XX/XX/XXXX Revco solutions sent me another letter and collection attempt for an additional {$120.00} and refuses to provide the requested documents to substantiate the alleged medical debt. my name which is unique is often confused with other people named XXXX or XXXX. I do not recall any treatment or date of service on the dates they have listed. I have requested a copy of my signed consent for treatment and billing and other financial assistance documents. I have full medical/medicaid insurance and I feel that this is a fraudulent billing attempt. Instead of the company providing the requested documents and proof of the debt being valid they think I should send them proof I paid the debt.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CB1, Inc. (MT)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-09-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (IL)

The debt is inaccurate. Hospital incorrectly billed wrong insurance although I gave them updated insurance information for services in XX/XX/2019. I was unknowingly left stuck with a huge bill of {$6900.00} that my insurance would have covered and left me with a small deductible. Ive spoken with State Collections agency about the error. They lured me into making a monthly agreement to supposedly protect my credit, until I Can get the hospital to correct the error with a promise to not flag my credit as long as an agreement was in place. However, my credit was flagged although I paid as promised and XXXX XXXX XXXX will not correct the error because they said they no longer own the debt and it can only be resolved with State Collections Agency.
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (LA)

Synchrony Bank closed all of my accounts in XXXX of XXXX. I have managed to pay off the balance in full on Ashley, Belks, JC Penny, Lowe 's, XXXX XXXX XXXX, Rooms to Go. I paid a " good faith '' settlement agreement to them for the PayPal credit card, and I had to file a complaint before I could receive the letter outlining the arrangements of that settlement agreement. 

I never missed a payment to Synchrony Bank until after all of my credit cards were closed at once, and they demanded the total amount of their money. To this date, I have not missed any payments with any of my other creditors. Even after my son was hospitalized for 30 days with XXXX XXXX XXXX, two of which were XXXX XXXX, I never missed a payment. It appears that they have an algorithm that they are using to affect minorities due to race disproportionately. There is no other explanation. 

I located the Sams Club card, XXXX XXXX, and PayPal Mastercard. I have not been able to locate the XXXX XXXX XXXX credit card. I have filed all types of grievances with Synchrony. On several occasions, I called and left a message for the following individuals at Synchrony Bank Headquarters : XXXX XXXX ( XXXX ) XXXX extension XXXX and XXXX XXXX at ( XXXX ) XXXX XXXX extension XXXX with no return phone calls. 

I request that you ask Synchrony Bank to provide me with information on how to pay for the TJ Maxx credit card. Please keep in mind that they have played all types of " malicious games '' with me since I started on this journey of trying to pay for these credit cards. They have some unsavory lending practices that need to be stopped. If my son was not XXXX and I am his only caregiver, I would seek legal action against them. 

In one final attempt on today, Sunday, XX/XX/XXXX, I contact TjMaxx credit/Synchrony Bank at ( XXXX ) XXXX and I was told by the representative to call ( XXXX ) XXXX and no one has any idea on how to pay my credit card bill.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (FL)

I have sent letter to XXXX, XXXX and XXXX about disputing the inquiries listed on my report. I did not authorize my credit report to be released, nor do I have any relationships with either company that is reported these inquiries.
Consumer complaint received 2021-09-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: FinCo Services Inc DBA Current (LA)

I have tried and been trying to get access to my funds for the last 6 weeks and by my purse and my telephone being stolen or misplaced I have yet to gain access to my friends or talk to a lie real person about the issues at hand and especially during a disaster of a hurricane and being homeless and not having any fun to get any food or transportation
Consumer complaint received 2021-01-05
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: EQUIFAX, INC. (GA)

I have sent a letter to the credit bureaus XX/XX/2020. I have not received any results yet. It has been over 60 days. That is a voilation. I demand for those accounts to be deleted at once. I feel as if they are taking advantage of me and not taking my request serious. I also sent a complaint through consumerfinancial.gov/complaint a few weeks ago. This is my second attempt to send a complaint. I received a letter from you saying you threw out my last complaint for not identifying myself. I am Who i say I am.
Consumer complaint received 2021-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group (GA)

I sent out debt validation letter for multiple accounts listed on my credit report on XX/XX/2021. I sent the letters to address listed for Profit Services Group on credit report. They did not accept or pick up my letters and they were returned to me 30 days later.
Consumer complaint received 2020-04-12
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. (MO)

I'm requesting for the 3 major credit reporting agencies to remove and block these following unauthorized accounts reporting on my credit file. The following accounts do not belong to me. 

1 ) XXXX XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX   {$2000.00} 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX {$4600.00}
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The branch that I was forced to schedule an appointment at is at XXXX and XXXX. 
Bank of America claims that my account was closed in XXXX. However it has constantly maintained a positive balance the whole time that it has been " closed ''. I spoke to 5 different representatives, both on the phone and in person, and was given 5 different answers as to when I would get to access my IRS check from the bank that it is in. After the last person I spoke to in person told me that the account was " for sure '' closed, and that they didn't know why I wasn't mailed a check, and that I should have been for the positive balance since XXXX, I was promised that the the check would " bounce '' back to the IRS, that BOA would not accept it, and that once it stopped pending, it would NOT post to the closed account. It is now showing a cleared and posted status on online banking for this " closed '' account. They are keeping my money and not letting me access it instead of bouncing the check like they said they would.