davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Allied Collection Services, Inc. (Nevada) (NC)

Allied C ollection Servic Opened  XXXX   XXXX ,  XXXX  {$170.00} Original creditor :  XXXX    XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of  XXXX   XXXX .
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Recieved a phone call around XX/XX/21 from XXXX XXXX asking if I had applied for a card, which i said no. They said they would disregard the application they had received and put a fraudulent notice on it. 

XX/XX/21 Received a debit card and a XXXX  card from USAA. Called and spoke to them and told them I never applied for these cards. They said a fraudulent application was on file and advised me to notify credit bureaus. I put a fraud notice in with XXXX. 

I am notifying you now, as I am now afraid someone has my personal information and is trying to open accounts. My husband and I will be purchasing a home soon around XXXX of this year with XXXX  XXXX  and I do not want any trouble or damage done to our credit report.
Consumer complaint received 2023-10-16
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: Bread Financial Holdings, Inc. (OH)

I seldom use my Comenity Bank, XXXX XXXX credit card. I made a purchase with this credit card on XX/XX/2023. I did not receive a statement for this purchase and since I rarely use this credit card its not setup for auto pay and I didn't think about it. When I realized I never got a bill I called Comenity Bank and told them I haven't received a statement, they apologized and waved the late fee and I paid the bill in full over the phone on the same call I made to them. Later come to find out the late payment was reported to the credit bureaus. I filed a credit bureau dispute and asked Comenity Bank update and remove the late payment credit reporting. They sent a letter saying they were unable to make any adjustments to my payment history. I called and requested documentation on how the came to the conclusion they were unable to make any adjustments to my payment history but I never received any additional information. I then disputed the credit reporting with the individual bureaus but Comenity Bank still would not adjust my payment history or give me any additional information.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IN)

I have 2 accounts with Synchrony Bank. One is a XXXX mastercard, the other is pay pal credit.. both accounts were payed off.. checks written on XXXX and cashed and returned by Synchrony bank on XXXX. They advised they have not recieved any payments. I have called them numerous times.. I have asked to speak to a supervisor. I was on hold 2 times.. once for 40 min the other for 30 min without speaking to anyone. They continue to call me 3 times or more a day for payment and I keep explaining time and time again and nothing gets done. I have filed a dispute with them on-line and via US mail to no avail. Please help. I have copies of the returned checks indicating they were processed. The mastercard account ends in XXXX and the paypal credit ends in XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2021-04-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

This is a follow-up to a complaint made on XX/XX/XXXX concerning XXXX XXXX, XXXX XXXX, Portfolio Recovery Associates, XXXX, and XXXX XXXX. I provided documents showing that I had a credit account with XXXX XXXX and another account with XXXX that was used to shield my bank accounts and/or other credit cards. Neither XXXX account involved a physical credit card ever. A credit card was never issued to me. XXXX XXXX wrote to advise me on XX/XX/XXXX, that it would become the owner of my XXXX XXXX account as of XX/XX/XXXX. I was unconcerned about that action because I had paid my XXXX XXXX account in full as of XX/XX/XXXX and did not intend to use it for anything more. I started getting billed in XX/XX/XXXX for XXXX rides that I had not charged. XXXX always served as a pass-through agent to retrieve funds from my bank account to pay any vendor. XXXX XXXX did not provide records of those transactions done before XX/XX/XXXX and chose to address both accounts as if they were singular. XXXX needs to address how the accounts became morphed into a single account. XXXX XXXX responded to my complaint by providing information to my XXXX XXXX account # XXXX. My complaint is about XXXX account number XXXX. XXXX attached copies of billings to the XXXX account, which was used for credit and was paid in total XX/XX/XXXX. However, as I complained before, the account ending XXXX was not a credit account and the funds came directly from my bank. XXXX did not clarify why they sent a letter to me on XX/XX/XXXX, stating the XXXX XXXX account would be funded by them, instead of XXXX XXXX, as of XX/XX/XXXX. Portfolio Recovery Associates claim to have bought the XXXX account, but XXXX XXXX claimed to have sold account # XXXX. There were two accounts : one was credit and one was a transfer agency account that was paid by my bank through XXXX. XXXX XXXX  explanation is woefully inadequate and needs further investigation.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (AL)

The company disconnected their TV services and continued charging me monthly charges even though I had already returned their equipments and did not have any contract with them. I tried calling them, but my cry fell on deff ears as they didn't want to hear anything from me. They are also very rude and non professional as they kept hugging my calls
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX  ( Original Creditor : 08  XXXX XXXX  ) - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( Original Creditor : ) MERCHANT CREDIT - XXXX XXXX/XXXX  - XXXX XXXX  XXXX  XXXX  - XXXX XXXX/XXXX  - XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX  XXXX, I ( Original Creditor : ILLINOIS XXXX XXXX ) - XXXX
Consumer complaint received 2021-04-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company (NY)

Freedom Mortgage Corporation is trying to collect payments from an alledge debt. 
We sent a Debt Validation letter with exhibits back in XX/XX/2021 via USPS Certified mail, but the Debt Validation letter was never answered. i have the tracking confirmation that confirms that Freedom Mortgage Corporation received the mail on XX/XX/2021 at XXXX XXXX.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On XXXX two wires totaling {$230000.00} were sent to XXXX  XXXX XXXX  from HSBC ( MY BANK ) a few days later the receivers account at XXXX  XXXX was put on hold/freeze. no reason or explanation was ever given to why XXXX  XXXX closed the account, they then said HSBC needs to send a " Hold Harmless letter '' I was assigned a customer services manager XXXX XXXX who has NOT helped me and only has e-mailed/called me 1 time in the past 2 months even after 15 calls/ e-mails. HSBC has proof of where the funds originated as I had to provide proof of closing ( I sold my house ) when the funds were deposited in the account and no other funds have been deposited. So I don't understand why HSBC can't help and provide the letter/assistance especially when they know where the funds came from. HSBC asked all communications between XXXX and HSBC be handled in the XXXX XXXX that was done but still HSBC has not/will not help in recalling the funds
Consumer complaint received 2021-04-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

My fourth letter to this bureau regarding an inaccurate item. On XX/XX/XXXX a dispute letter with supporting documents was sent to the bureau and I have yet to get a response. I have been in process of trying to get a mortgage and this card has hindered that process and I am disappointed in the way this has been handled. I am sending in my this letter today with more supporting documents.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

After observing fraudulent charges to my Bank of America checking account, I promptly called Bank of America to report this on XX/XX/XXXX. The total of fraudlulent charges were {$340.00}. I was referred to Bank of America Claims/Disputes Department at XXXX which I called immediately and reported the aforementioned details. A Bank of America representative informed me that they would investigate the charges, a investigator would be contacting me via mail, and the claim would be processed within 30-60 days. Since XX/XX/XXXX I have made numerous calls to the Bank of America Disputes Department to check on the status of my refund. With each call I was continually told that an investigator would be calling or sending me a letter on the status. I never received a phone call or letter on the status of my claim from a Bank of America investigator. Fraudulent electronic charges were withdrawn from my checking account with Bank of America in XXXX, Texas between XX/XX/XXXX thru XX/XX/XXXX. I did not make any of these online charges nor authorize someone to act on my own behalf. The totality of the fraudulent and dubious charges in the amount of {$340.00} to my account came from XXXX XXXX, XXXX, XXXX, and XXXX. These types of online transactions to my account clearly should have alerted as Red Flag indicators to Bank of America. As my bank spending reveals, I have never had any history of making any online purchases or international purchases with bank accounts. I have made several requests both verbally and in writing that these unauthorized and fraudulent withdraws from my account in the amount of {$340.00} be refunded. Additionally, I filed a police report regarding these fraudulent withdraws from my account with the XXXX County Sheriffs Office in XXXX, Texas. 
Today, XX/XX/XXXX, I received a " blanket '' letter that Bank of America is denying the fraud claim. The Bank of America letter had no assigned name of the sender. I have not been provided the name of the investigator who processed this claim. Too, I called Bank of America to request a copy of the investigator/claims report for this denied this claim and I was denied my legal right to that documentation. 
Again, these unauthorized online withdraws to my account from these foreign entities were not authoirzed by me and I am requesting a full refund of all highlighted fraudulent charges totaling {$340.00}. 
Bank of America was grossly neglegent and void of implementing standard security alerts to my account and Bank of America undoubtedly failed to investigate with dilegence to justly resolve this claim.
Consumer complaint received 2023-05-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Predatory mortgage loan practices via Wachovia/Wells Fargo during XXXX calendar years. 7.2 % interest during closing. Would not refinance during entire duration of the loan. Multiple foreclosure threats. Denial of refinancing applications multiple times. Transfer of loan to XXXX XXXX in XXXX. Then things got even worse. Forced to sell in XXXX pending foreclosure.
Consumer complaint received 2021-04-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P. (FL)

PARAMOUNT RECOVERY SYSTEM Had bought 6 medical bills that are over 7 years old THEY WERE NOT MINE ( I HAD TO PUT FRAUD PROTECTION ON MY ACCOUNT ) and they were removed from all 3 of my credit Bureau 's back in 2019 it took me several yrs to get them removed because they were never mine in the 1st place at all ... They were just put back on all 3 of my credit reports and even updated to being new as of last month I contacted all 3 Credit Bureau 's and XXXX XXXX did remove them but XXXX  and XXXX only removed 3 of them I asked them to remove them they said they are mine and they are new I tried to tell them no they are not mine and they were removed/ deleted off my report back in 2019 and just put back on in XXXX of this yr I fought for the last 7 yrs or more to get them off my credit report and they finally took them off because they wee not mine then PARAMOUNT RECOVERY SYSTEMS just bought them updated them and put them on my credit report as new XXXX and XXXX will not listen to me I TOLD THEM GO BACK AND LOOK THE WERE REMOVED HONESTLY and I have been trying to get them removed again for the 2nd time, I was told once they are removed or deleted, they can not be put back on But they are back on and I worked so so hard over several yrs to get them removed they came back on again PLEASE I BEGG OF YOU CAN YOU PLEASE HELP ME AGAIN TO GET THESE REMOVED THEY ARE FROM XXXX LOOK AT MY REPORT I PAY ALL MY BILLS ON TIME THANK YOU
Consumer complaint received 2021-04-05
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: NAVY FEDERAL CREDIT UNION (CA)

Navy federal refuse to resolve the issue Thus is my last attempt I was XXXX around by this cheap bank for the past 7 months I will give s law suites against navy federal for abuse stress waist of my time hours and hours on the phone they did and caused me
Consumer complaint received 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/XXXXand still nothing from them. That means TransUnion has NOT complied with Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX ) XXXX XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXX/XX/XXXX XXXXXX/XX/XXXX ) XXXXXX/XX/XXXX ( Original Creditor : XXXX XXXXXX/XX/XXXX) XXXX XXXX XXXX ( Original Creditor XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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)

My wallet was stolen from my office about XXXX XXXX on XX/XX/2023. A police officer came and made a report about XXXX minutes later. Once the police left, I immediately notified all of my credit cards. Upon talking to my Old Navy Credit Card, sponsored by Barclay 's, I was informed someone had just made a puchase for {$44.00} at a mall about 15 minutes away. I was told it would go into review and the charge would be removed from my account. 

On XX/XX/XXXX, I received a letter saying that because chip card technology was used it must have been in my possession and the charge was valid and being put back on my account. 

At that point I called the number on the letter and was given an ID number, case number, and an address to send by regular mail a letter and a copy of the police report. They did not give any option to submit electronically. So, I immediately put a letter with the police report in the mail as directed. 

I just received a letter dated XX/XX/XXXX stating that because I did not provide proof, they are reinstating the charge plus interest. 

I called today and was told their system wasn't working and they can't help me, I should call back some other time. 

I have to paperwork to prove the card was not in my possession at the time. It's very easy for them to state they didn't receive if my only option is snail mail. This is bad business to not respond to customers, and to not give us a way that proves we sent our proof. How is this legal? I would like my refund.
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (DC)

Bought XXXX XXXXXXXX XXXX on XXXXXXXX XXXX though XXXX confirm that i had two day trade left and i called severally XXXX XXXX XXXX did not allow me to sell and triggered {$79.00} loss On another App Cash App bought  XXXX XXXX XX/XX/XXXX and though I had two day trade left Cash App and Gamestop did not allow to sell and that triggered {$1000.00} loss. Another though at sell XXXX the average stock increment showed 34 %, it actually came out opposite returning {$1900.00} from {$3000.00} invested instead of positing {$4000.00} from {$3000.00} invested at average 34 % increment.
Consumer complaint received 2023-10-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (CA)

I received what I think is a fake collection letter from XXXX XXXX XXXX, or someone impersonating them. This collection attempt is for an installment loan through a payday loan company, and mentions as a potential witness against me my ex-wife who is deceased. ( I haven't seen or heard from her since 2001. ) Also I never took out an installment load with the payday loan company mentioned in the letter. Whomever sent the letter is also trying to pass it off as a legal document with a " filed '' stamp on it, although it doesn't look like any legal document I've ever seen. The amount of money they want me to pay is a significant in that it's not a small sum, at least by my standards.
Consumer complaint received 2024-03-22
Product: Credit reporting 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. (NV)

To whom it may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : inquiries : XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report this is a violation of the fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the fair credit reporting act section 611.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name XXXX XXXX XXXX XXXX : Account # XXXX, Account name XXXX XXXX XXXX XXXX  : Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX Account XXXX XXXX has violated my rights.XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/year>