davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit 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: BANK OF NEW YORK MELLON CORPORATION, THE (KY)

I have debit cards on a Fidelity XXXX XXXX account and those cards are managed by BNY Mellon. On XX/XX/XXXX, a fraudulent transaction of {$740.00} ( posted XX/XX/XXXX ) was made and I called Fidelity to close the card, ending in XXXX to prevent further fraudulent transactions. While investigating our account in detail, additional fraudulent transactions were discovered : {$650.00} XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$550.00} XXXX XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$370.00} XXXX XX/XX/XXXX {$390.00} XXXX XX/XX/XXXX All transactions were to XXXX, to which we neither made nor have an account. This information was provided to both Fidelity and to BNY Mellon 's fraud department. A formal appeal was received by BNY Mellon 's fraud team on XX/XX/XXXX ( via certified mail ). Messages left to BNY Mellon 's fraud team have not been returned. The investigation and settlement is well beyond the times stated in the cardholder agreement. The {$740.00} charge has been returned to our account, but the remaining debits to our account for over {$3500.00} are still not returned to our account.
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I have obtained my credit report and found accounts I never opened, addresses I never resided, and different variations of my name. I also found this account that I believe not to be mine. Acct name : MIDLAND MANAGEMENT CREDIT ( Original Creditor : XXXX XXXX XXXX  and XXXX XXXX  in the amount of {$2000.00}. I also found an account listed on my credit twice. Once with Midland credit management and once with XXXX XXXXXXXX XXXX in the amount of {$870.00}. I am not liable for this debt and I do not have a contract with Midland Credit Management. Also how is the debt listed with XXXX XXXX and Midland. They cant both be requesting payment on the same debt. Police Report and FTC Affidavit are attached with this complaint and disputes sent to all three credit bureaus. Please delete this account from my credit report at once.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DE)

My Name is XXXX XXXX XXXX and I have a loan that is currently being serviced by PHH Mortgage with the loan number : XXXX, I started missing my payments on the mortgage in the month of XXXX of 2019 after my wife was hospitalized because of XXXX  XXXX, and I started to get behind on my mortgage, and as the entire world is suffering from the severe hit of Coronavirus, I lost my Job in the month of XXXX, I applied for a loan modification from PHH in the month of XXXX and I was denied stating I cant be given a loan modification as no loan modification is allowed on my mortgage, I also tried speaking with the Relationship manager and supervisors at PHH asking them to give me a Repayment plan or a Forbearance plan, but I was told that they can't help me with any of those plans.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

IVE REACHED OUT TO THIS COMPANY NUMEROUS TIMES TO UPDATE MY ADDRESS & THEY REFUSE TO DO SO. IVE SUBMITTED MY ID, UTILITY BILL ECT AND THEY REFUSE
Consumer complaint received 2022-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (PA)

I was with XXXX XXXX for 3 1/2 years! They sent me documentation that this debt was paid or settle! I think Citi Bank is trying to double dip! I'm a XXXX XXXX XXXX on a fixed income!, and tried in good faith durning my time of hardship!
Consumer complaint received 2020-06-19
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: Experian Information Solutions Inc. (TX)

XXXX XXXXXXXX XXXX SERVICESDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute SXXXX XXXX XXXX   # XXXXUnder Dispute XXXXXXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all were filed to ftc
Consumer complaint received 2020-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX XXXX XXXXDispute XXXX AXXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX   # XXXXUnder Dispute XXXX XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all were filed to ftc
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (MO)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every station date and balance whether reported or not. 
account Item and Number ) also respectfully request to be provided proof of this alleged item, specifically proof that these aments were in fact late. By the provisions of the consumer protection laws. I demand that if enable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to my creditors who have requested a copy of my credit report in the last 6 months n also requesting the description of the procedure used to determine the accuracy mpleteness of the information. I have read that this must be provided within 15 day + Completion of your reinvestigation. I also read that under federal law, you have 30 days complete your investigation. 
is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must done within 30 days of receipt of this letter, or you must remove the incorrect information. Thank you for your prompt attention, time and help in this matter.
Consumer complaint received 2023-02-10
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. (CA)

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX - XXXX... 
XXXX  XXXX XXXX - XXXX... 


I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NY)

my last dispute it was with chase credit card. now they close my credit card, cause i haven't be available to pay cause the pandemia. so they just close that account they put it as charge off on my credit. now is affecting me .is not my fault everybody is having hard financial issues.
Consumer complaint received 2024-02-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

I purchased a {$50.00} AMEX gift card from a XXXX Pharmacy a week ago. The card says it is active. However, when I try to use it to purchase XXXX XXXX credit, the card declines each time. I called the number on the back of the card, XXXX, and they said I should be able to use this card at a merchant that asks for the card number, expiration date, and the CVV security code. It DOES ask for/require that information in XXXX. The customer service rep simply said, " Your card is active and has an available balance of {$49.00}. '' There are 4 temporary 10 cent transactions from when you tried to make the XXXX purchases. Those are pending and will be put back onto the card. The website on the back of the AMEX {$50.00} prepaid gift card is AmexGiftCard.com/Balance. They have offered me no solution whatsoever.
Consumer complaint received 2020-06-19
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. (GA)

This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulent accounts and Inquiries they are reporting but to my surprise, this company still insist on reporting these fraudulent accounts & Inquiries even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from these accounts & Inquiries. 

Fraudulent Accounts? 
1. XXXX, Account # XXXX 2. XXXX XXXX  XXXX, Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX XXXX, Account # XXXX Fraudulent Inquiries!? 
1. XXXX XXXX XXXX Date Filed XX/XX/XXXX 2. XXXX XXXX XXXX Date Filed XX/XX/XXXX 3. XXXX  Date Filed XX/XX/XXXX 4. XXXX XXXX Date Filed XX/XX/XXXX 5. XXXX XXXX XXXX Date Filed XX/XX/XXXX 6. XXXX Date Filed XX/XX/XXXX 7. XXXX Date Filed XX/XX/XXXX 8. XXXX Date Filed XX/XX/XXXX I still wonder why are you reporting, contrary to that law that states : Fraudulent accounts to be removed within 4 days from receiving proof. 

PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XX/XX/XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them 2.My FTC report
Consumer complaint received 2020-06-19
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: CURO Intermediate Holdings (MD)

The Debt Collection Company who is Reporting this to my Credit on Speedy Cash 's Account has ReAged this account which is a violation of the Fair Credit Reporting Act. 

I've disputed this Item with the 3 Credit Bureaus and because I disputed this account they re-aged this which dropped my Credit Score Dramatically. 

I want this Collection Agency Investigated. They are treated this account as a new collection item which it is not. This account is Two Years Old. 

To Begin with this company is charging Unfair Interest Rates that are astronomical which is how i got in this position in the first place.
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I recently received an email from Venmo explaining that my account has been suspended. This suspension was done erroneously. I live in the United States and was recently traveling on vacation on a cruise ship. When I went to access my account while I was traveling internationally, I received a message from Venmo saying my account was suspended due to suspicious activity. However, there was no suspicious activity on my account ; I was the person accessing my own account ; and, I was doing so internationally only because I was temporarily traveling on vacation. That was me. I already replied to Venmo 's account suspension email and uploaded my US-government issued driver 's license, which is the additional information that their company requested. Despite this, the company still has not reinstated my account.
Consumer complaint received 2020-09-28
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: Radius Global Solutions LLC (GA)

What happened? : I had a pre-approval for a home loan through the GA Dream program but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA Dream program even though I completed everything asked of me to qualify the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the GADream program for down payment assistance for healthcare workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 


When did the last act of discrimination occur? : XX/XX/2020
Consumer complaint received 2020-06-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

On XX/XX/XXXX I called the mortgage companies, US BANK loan # XXXX {$53000.00} and XXXX XXXX XXXX XXXX XXXX loan # XXXX {$160000.00} and requested all of my signed loan documents as I noticed that in XX/XX/XXXX I requested a pay off amount for a possible refinance I found out that the mortgages amounts are the same or more as to when I first took the loan back in XXXX. Thirteen years of payment and no equity? This doesn't look right to me. 

To today 's date I have only received my loan documents from US BANK but not XXXX  ; I have been asking for a month an half for the loan documents to XXXX and they are unable to provide me with the documents. at this point I am not paying them until I get the documents. 

Please hel me resolve this matter and you can call me at XXXX. XXXX XXXX
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

they have two other address thats showing on my credit report that i never lived at before my only address should show XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear Sir, I have a one Month past due on my credit card payment. 
The bank unilaterally withdrew {$1000.00} from my checking account and applied it to a credit card number which is no more active - but did send the money to the current the credit card. 
-There is NOT part of a scheduled / recurring payment plan -This not an E-bill 1.i went to my bank and a agent called customer care which could not justify the withdrawal or provide authorized document signed by me. 
2.I sent them a letter to my bank agent enquiring about the withdrawal and asked them the return of this amount. 

3.i received a reply letter from the bank with NO RETURN ADDRESS and NO specific person to address the mail as it was written " Speciality Claims research and Resolution '' stating the below : " what you need to know " " we are unable to return {$1000.00} at this time because your account is currently past due, over the credit limit or both
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The credit card company XXXX XXXX XXXX  has reported two late payments to my credit report. I think this is incorrect and unfair reporting practices because of the fact that XXXX XXXX XXXX has admittedly been sending my credit statements to the wrong address. The representative that took my email address did not enter it in correctly ; therefore, I was unable to login/access my account for over a month. 

I called XXXX XXXX XXXX on XX/XX/XXXX after seeing that my credit report was updated with delinquent payments. I explained that I had not received a credit statement yet was reported delinquent. The rep proceeded to look into my account. She asked for my email address. I gave it. She then noticed they had the wrong email address. They spelled my name wrong in the email address. 

I have never had a late payment before or after this incident on this card. 

So, I then made a large payment covering half of my current balance and requested that the email address be corrected and that they remove the late payments on my credit. I was promptly sent a letter roughly one week later from XXXX XXXX saying they reporterd correctly and will not be removing the late payments. 

This is very shady business practices. It was clearly a clerical error on their part, which in turn prevented me from even being able to access my account information ( because my email address couldn't be used to set a password since the email was incorrect ). 

I had a near stellar payment history until this occurred. I am disgusted with XXXX XXXX 's lack of responsibility, which clearly occurred due to their representative lacking English language skills. Not speaking English is fine, but screwing up the spelling of a customer 's account information and then holding them accountable because you can't understand them is not acceptable. If I would have received my statements, the bill would have been paid on time, no questions asked.
Consumer complaint received 2020-09-28
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

My account in Wells Fargo bank was charged without any authorization by XXXX XXXX XXXX. every month since XX/XX/2019. I reported to Wells Fargo, ( claim XXXX ) and WF bank did not refund that non authrized charges completely for all money that was withdraw by XXXX XXXX. ( {$130.00} per month ) Very unuzhuall responds for that fraud action. They, WF bank sent me letter and stated that they only responsible for 609 days back from " the statement ''??? 
Pls help me
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NV)

I accepted a promotional offer of {$400.00} to open a new checking account. The terms stated I must have {$3000.00} in direct deposits for three consecutive months within 150 days and that I can't have received another bonus in the previous 12 months. 

I met these conditions along with every other condition. Yet the bank is denying me the bonus. I have escalated this matter multiple times with the bank, the last being with XXXX XXXX via telephone. 

The bank is claiming that my deposits were not direct deposits. This claim can be disproven by their own protocols. The accounts has a {$500.00} per month direct deposit requirement to avoid the monthly fee. In six months, I've never paid that fee. Despite my only deposits for most of those months being these direct deposits. 

The direct deposits came directly from my employer from a business checking account at XXXX. 

One rep mentioned that I'd received a bonus in the prior 12 months. That is also not true. A promotional offer was applied to my account but I never received that bonus. Their terms specifically state you must have received the bonus previously. I never did. 

It is clear to me that Wells Fargo is merely trying to come up with any reason they can to deny me this bonus. I ask they be reprimanded for this behavior.