davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

The reason for the dispute was due to delivery of the flooring that I purchased. When the merchandise was delivered I had received a call from the 3rd party service that Home Depot uses for delivery letting me know that they were on their way and they were delivering, at the time I was on my home driving. I informed the person I was speaking with to " Please the merchandise BY THE BACK DOOR '' so that it would be easier to bring the items in due to the kitchen being right there. When I returned home the merchandise was delivered on a palletized pallet wrapped with saran wrap " Thrown '' on my front lawn. I went to the store after I noticed this and I informed the manager at the time that the merchandise was not delivered in the area that I asked it to be in and that there was no way for me to move all that stuff by myself to the kitchen. She stated that I would have to pay for them to go back and pick up the merchandise. This was during XXXX XXXX weekendXXXX XXXX XXXX was going to be the upcoming XXXX. She stated that there would not be anyone to pick up the merchandise until then based on what the system was stating. I let her know that I was going out to town for the weekend the next morning and that the merchandise could not stay there all weekend. I also let her know that the area that I live in a HIGH THEFT area and with kitchen flooring materials sitting in the front lawn for anyone to come and take was possible. She set the delivery for that XXXX  ( XXXX XXXX ), I received XXXX call from the XXXX party service that picks up and the guy did not speak fluent XXXX and hung up on me. That was the ONLY time that I communicated with home depot about the pick up after the fact. When I returned home later that evening there was nothing there. Since then I have been disputing the entire purchase from my credit card, however they continue to say that I am responsible for the merchandise that I do not have. I have reached out several times to the store manager due to credit services stating that they dispute needed to be resolved through the state, I spoke to the store manager ( XXXX ) ONCE and that was it. She stated that she was going to reach out to the delivey/pick up company that home depot uses via email and woul reach back out. I have since attempted to call the store several times asking for her and each time she is either not in or just left for the day or will be in tomorrow. I have also sent emails to her as well as follow ups with no response. Ive disputed with the credit bureaus with no resolution either.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (GA)

To Whom It May Concern : It has been brought to my attention that { XXXX  } has listed { negative listing } on my XXXX and XXXX XXXX file. To my knowledge, I have never had account with { XXXX }. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { XXXX } including copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that this XXXX  be permanently removed from my XXXX and XXXX XXXX report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Consumer complaint received 2024-02-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Momnt Technologies, Inc. (MD)

Dates and Responses : XX/XX/XXXXXXXX  - Bank is investigating the merchant, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX- Bank is investigating the merchant, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX- Bank is investigating the merchant, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX- Bank is investigating the merchant, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX- Bank is investigating the merchant, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX- Bank is investigating the merchant, XXXX XXXX XXXX XXXX. Bank ( customer service ) could not give me any status of the loan as a result of investigation because the investigation involved banks. Informed to email customer service with my questions/concerns at XXXX ( email attached ). 

After receiving a loan with MomntXXXXXXXX XXXX to procure service from XXXX XXXX XXXX XXXX , the loan allowed for a specific number of treatments from XXXX XXXX XXXX XXXX ). The loan amount treatments were never ( 3 out of 12 ) delivered prior to the inability to access XXXX XXXX XXXX for the treatments ( letter on the door attached ). 

Upon inability to access XXXX XXXX XXXX for the services, I immediately reached out to the bank ( Momnt-XXXX XXXX  ) , via phone call to customer service ( XX/XX/XXXX ). I was then informed the bank launched an investigation into XXXX XXXX XXXX and that the bank would reach back out to me. I called the bank each month from XX/XX/XXXX to XX/XX/XXXX with the same response from them of " no update ''. Bank is still investigating. XX/XX/XXXX, as result of the interest free loan offer that expired the end of XXXX, and not being able to take advantage of it as a result the services I had not received and the current investigation, it prompted me to ask more specific questions related to promotion, status of the loan, the current investigation of XXXX XXXX XXXX, and how all this would affect what I had to pay. When those questions were asked, I was then informed that they could not release any information to me at all because the pending investigation involved banks, but at the same time advising me that I could submit my questions to the banks support team via email and that the bank would get back to me within two business days. As of the day of this complaint submission, the bank still has yet to respond to my email ( email attached ) or responded back to me in any way.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  Date of inquiry : XX/XX/2023 XXXX Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I received an email that I was charged for an amount from a checking account with an enclosed invoice. So I called the number provided in the invoice., complained and was told that I will be refunded the money. I was told to login to the bank where the money is going to be refunded. I did and there's some waiting. Finally, a XXXX was transferred to the account. Because the amount is supposed to be XXXX, te person I> spoke too demanded a refund for the rest of the money. He gave me an address to refund the money using wire transfer which I did. However, when I check my email and found that XXXX was transferred from my savings to my business checking account. At XXXX, I called the bank and told them that someone was able to get in my account ( secured ) and transferred the funds without my approval. The bank froze my online account and reestablished with new credentials, I was told to go to the bank the following day talked to a banker and replaced my business account with a new account number. See enclosed all documents
Consumer complaint received 2024-03-20
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (WI)

Got a call from Target Redcard new member service. They asked me if I had applied for one of their cards. I told them I hadnt and asked for the info they had from the application : address, birthday and social, but not a correct drivers license. I told the representative not to issue the card and they agreed to decline the credit application. I then asked them to close all Target accounts in my name ( we have none ) and send me confirmation of this. I verified my address for that. Just worried they have my info and whether I was OK responding with my information.
Consumer complaint received 2023-06-12
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: I.C. System, Inc. (FL)

Im not liable with XXXX. i do not have contact withI.I.C. SYSTEM, INC they did not provide me with the original contract as i requested. 



Im not liable with XXXX XXXX XXXXXXXX XXXX. i do not have contact withI.XXXX XXXX XXXX they did not provide me with the original contract as i requested.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (AZ)

XX/XX/XXXX a loan agreement was made in my name for purchase of a vehicle, the vehicle was purchased by a company unrelated to me. Speaking with the motor vehicle department, the vehicle was registered to someone with the last name XXXX on XX/XX/XXXX The car dealership falsified a signature indicating it was my signature when it was not. Furthermore, TD Auto Finance backdated paperwork putting a lien on a vehicle falsifying records because it was registered and owned by an unknown individual. They have no perfected lien, no promissory note, no security agreement, and no valid contract. Did not follow the rules of the Uniform Commercial Code. They have created this account out of thin air.
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In XX/XX/XXXX, I spoke with a representative regarding an offer for a reduce in my interest on my credit card with Capital One due to loss of job due to Covid-19. The representative did not make me aware that it will restrict the used of my card. I spoke with Supervisor XXXX back in XX/XX/XXXX stated if I make 3 months of my payments on time that my card will be turn back and the restriction off my card. I have made payments over {$3000.00} since XX/XX/XXXX over the minimum payment and XX/XX/XXXX payment for {$380.00} on XX/XX/XXXX. I spoke with Supervisor XXXX she stated that the restriction will not be lifted until 14 days after XX/XX/XXXX.
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My late Aunt XXXX had a Checking & Savings at Bank America for decades. The bank statement she received for the last 25 years has showed my father as a joint signature & myself as a beneficiary. I have called multiple locations to try & get an appointment to close with my father present who is XXXX. Last Friday, I went in person to the XXXX MA office because I had not yet received a confirmation of my appointment- I was met by a banker & his manager who said although the statements read that way - there internal paperwork is unclear?? This is gross negligence! How would my late Aunt know there was a problem? She relied on the bank to look after her accounts - now in the moment of need due their errors- Im not able to complete the Wishes of my Aunt.
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

In XXXX, my XXXX account was put into collections and purchased by XXXX XXXX XXXX. On XX/XX/XXXX, I was given the option to pay the debt in full for half of the owed monies ( proof attached ). Then, in late XXXX, Transworld has put a negative remark on my credit report stating I owe the same amount that was owed to XXXX XXXX XXXX for the same account. 

This has been paid in full.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (LA)

I previously submitted a complaint ( see XXXX ). CAINE & WEINER put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. CAINE & WEINER did not provide proper validation of the debt. If CAINE & WEINER is unable to provide the above identifying account information, this account must be deleted from all CRAs. CAINE & WEINER also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ME)

In reviewing transaction history due to the other issues submitted in previous complaints, I discovered a GROSS misallocation of funds. I have multiple payments being documented as being applied to the same due date and some are noted as being past due when they clearly are not. The records are completely inaccurate and unclear as to where and how my money is being handled and applied as shown in the attached document. The Lender was pulling my payments automatically so it is not physically possible for them to have been late as noted and it is clearly recorded they posted early yet have notations of being late.
Consumer complaint received 2023-03-07
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. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (CA)

There are incorrect information on my credit reports ( from XXXX, XXXX, XXXX ). I did not have any account or business with XXXX XXXX XXXX, XXXX XXXX XXXX  or its affiliated companies. I do not know why there is a charge of {$4600.00} from these companies on my credit reports.
Consumer complaint received 2024-02-19
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: HUNTINGTON NATIONAL BANK, THE (NV)

On XX/XX/XXXX and XX/XX/2023 I saw 7 hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXX westside on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX on XXXX  that said he worked for the XXXX XXXXXXXX XXXX XXXX. I told him I was going through XXXX XXXX  my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NH)

On XX/XX/XXXX, hard inquiry on my account from the following company : SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX a new account shows being opened SYNCBXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX This was done without my consent or knowledge
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FinCo Services Inc DBA Current (OK)

On Friday XX/XX/XXXX, I received an email from a bank called Current. It asked if I was still looking for a {$500.00} Paycheck Advance. I do not remember signing up for this account and I darn sure didnt ask for a payday advance! I downloaded the app ( which had previously been downloaded and deleted from my phone ) and I verified all of the information requested to log in - my phone number and my email! 
I looked through the transactions and someone had been using this account so I looked for a place to close it. I wasnt able to find anything so I contacted support to do so! 
I originally put in a different email address on the form requesting closure, so the support person requested more information, which I provided all but the card number because I do not have a card for this account! 
She then responded and told me she needed a copy of my ID and a selfie because my account could not be verified with the information provided! So I went into the account and that was all correct info I gave her! 
I argued and someone else responded asking for my ID and a selfie holding my ID. I argued again that I provided all of the info and they still refused! On Sunday, XX/XX/XXXX, I sent my ID, as asked for in the email I had received early hours of that morning and got a response this morning telling me they need MORE information, which they want a selfie with me holding my ID! I was able to verify my info through the app and demand they shut this account down and have even told them someone that isnt me was using this account ( back in XXXX, moving money from XXXX account to another! ) and they still refuse to shut it down!
Consumer complaint received 2023-03-01
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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Consumer complaint received 2024-02-19
Product: Prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP (CO)

I was offered this US Bank ReliaCard for my FAMILY MEDICAL EMERGENCY LEAVE INSURANCE due to medical leave from my GOVERNMENT JOB. It was advertised as a debit card. It is not a debit card. The card rejects most all purchases, merchants reject the card because it is a prepaid card. The US Bank ReliaCard customer service line registers me as a user but says the security code from the back of the card provided is incorrect when it is not. Not incorrect. Really taking advantage of vulnerable people in need. How am i supposed to pay my rent? Get groceries? I WORK FOR THE STATE OF COLORADO SERVING THE COMMUNITY. THIS IS WHAT I GET FOR BEING ON A SERIOUS MEDICAL LEAVE.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.