davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
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: Synovus Bank (TX)

On XX/XX/XXXX there is a hard inquiry by ( XXXX XXXX ) and I only remember calling a car dealership to ask about if I would be eligible and they didnt notify me of running my credit score to check I specifically asked them if it would affect my credit if they checked and they said no and now I see there is a hard inquiry from that time I called and received no help from them to get it removed if you can please help me. 

XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) again I had called them to inquire about a car and they asked for my social and didnt let me know they would run my credit report and affect my credit to see if I was approved and again no help after calling them and asking them to remove the inquiry I was told I should have known it would be ran as a hard inquiry but I was never told or I wouldve went in and looked for a car personally not over the phone XX/XX/XXXX ( XXXX XXXXtx ) was a accidental inquiry online when looking for a phone plan and I called customer service and they said they didnt have access to remove it off my credit so I would like it removed XX/XX/XXXX, ( XXXX XXXX XXXX ) I had inquired about this card but their page said it wouldnt affect my credit score to see if I was pre qualified and now I see it as a hard inquiry I called them and they told me they couldnt help me and there was nothing they could do about it
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SC)

On XX/XX/12 I applied and was rejected due to FCO reporting FALSE information. I contact the supposed creditor and they could NOT validate my information. I emailed FCO over 20 times and have yet to receive a response. I called them with the original creditor on the phone and they also spoke without me on the phone, but yet nothing has been done! These frauds are causing me emotional and financial trauma due to their fraud!

They are also REFUSING to provide me with the information they have.. instead insisting that I send them information.. These fraudsters just want my real info so that they can adjust in their system! how can you have a different social than the original creditor??  THAT'S BLATANT FRAUD
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2019-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (UT)

XXXX police department has not received any request from Midland for the police report they needed to resolve this identity theft in my name. XXXX police report # XXXX is available for them to request to clear this judgment in my name and remove the levy that was placed on my XXXX XXXX account. 


My identity was used to obtain and improperly open a credit one credit card account back 2012. I filed a police report back in XXXX in 2012 in regards to identity theft and my home being broken into during that time.
Consumer complaint received 2019-12-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX XXXX XXXX reported a debt for {$2100.00} on my credit report as an account opened in XXXX of 2018. It lists the original creditor as " 08 HSBC Nevada N.A. ". I have only had three credit and merchant accounts in my life and HSBC was not affiliated with either. I had NO credit or merchant cards opened in 2018. I contacted XXXX where the representative refused to provide evidence of this debt or to remove it from my report. Instead insisting only that I owned them {$2100.00}. He refused to open an inquiry of any sort or take any action regarding my dispute. I have disputed this debt with all three credit bureaus and hope that this attempt to scam me is corrected in a timely manner. 
HSBC Nevada is apparently no longer in existence as I did try to reach out to them to correct this error.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This 12 inquired I dont recognize report fraudulent run my credit 1 ) XXXX XXXX,, 2 ) XXXX, 3 ), XXXX XXXX XXXX XXXXXXXX XXXX, 4 ) XXXX XXXXXXXXXXXX XXXX, 5 ) XXXX 6 ) XXXX XXXX, 7 ) XXXX XXXX XXXXXXXX XXXX, 8 ) XXXX XXXX XXXX 9 ) XXXX, XXXX XXXX, 10 ) XXXX,, 11 ) XXXX XXXX XXXX 12 ) XXXX XXXXXXXX
Consumer complaint received 2019-12-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MN)

Several months ago I filed a complaint with you against a mortgage lender who advertised an attractive rate then when later it disclosed points that made going forward unattractive we were charged with their " preparation '' expenses. If this is not deception I do not know what is. So far you have not even acknowledged the complaint let alone done anything about it. If this is how you protect consumers we are all undone. Thanks a lot for nothing and XXXX  XXXX to you.
Consumer complaint received 2019-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (NY)

On XX/XX/2017 i was about to take out a SBA loan and i got a message that i have some sort of collection on my business I had no clue what it was so i called and they said that its for a bill from XXXX  XXXX, i didn't remember not paying or anything BUT i didn't have even the time to investigate so i just paid the {$540.00} just to get over it ( see attached sheet ) Now is 2 years later ( i'm thinking to renew my loan ) I went to check my business report and its still there as an unpaid Balance!!!!! 

I also don't commit not to sue the company for the highest amount possible for damages of all kind
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Asssoc reported a debt for {$2100.00} on my credit report as an account opened in XXXX of 2018. It lists the original creditor as " 08 XXXX XXXX  XXXX. ". I have only had three credit and merchant accounts in my life and XXXX was not affiliated with either. I had NO credit or merchant cards opened in 2018. I contacted PRA where the representative refused to provide evidence of this debt or to remove it from my report. Instead insisting only that I owned them {$2100.00}. He refused to open an inquiry of any sort or take any action regarding my dispute. I have disputed this debt with all three credit bureaus and hope that this attempt to scam me is corrected in a timely manner. 
XXXX XXXX  is apparently no longer in existence as I did try to reach out to them to correct this error.
Consumer complaint received 2019-12-24
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Choice Recovery, Inc. (NE)

My boyfriend received a court summons for my debt from the collection agency. The medical office to which I went was for me only and the insurance and guarantor information was for me. He was listed as an emergency contact. They are suing both of us and we both received summons separately for my debt that is owed.
Consumer complaint received 2019-12-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I have been a customer of USAA since XX/XX/XXXX, but on XX/XX/XXXX, I became a victim of financial profiling by USAA. USAA violated my civil liberties, financial security, and privacy by threatening to suspend online access to my financial accounts, if I failed to provide information on my 1 ) annual income ; 2 ) estimated net worth ; and 3 ) status as a current or former high-level elected or appointed foreign government official, or a relative or close associate of one. Moreover, it is my belief that USAA is using the Patriots and Bank Secrecy Acts to gather intelligence on high-ranking military personnel for purposes incongruous with U.S. banking laws. Its action to suspend my online access to my financial accounts for the sole purpose on gathering information not relevant to my banking activities or needs violates my privacy, financial security, and civil liberties, as an American citizen and veteran of the United States military.
Consumer complaint received 2022-09-02
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. (TX)

I am submitting this CFPB Complaint to you today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (OR)

Quick Summary : Wire transfer funds ( approx {$2500.00} ) stuck in intermediary/correspondent bank account ( XXXX XXXX, XXXX XXXX XXXX ; Swift Code : XXXX ; account # XXXX ). Neither receiver or I have access to the funds. I need the funds to be refunded so that I can send them to the receiver 's beneficiary account which is based out of XXXX ( XXXX  XXXX XXXX  ).  Both XXXX XXXX ( intermediary account to which funds were sent ) and XXXX  XXXX XXXX XXXX ( account from which funds were taken ) have repeatedly directed me to one another, stating " they would have to be the ones to handle that. '' I have spoken to upwards of 12 different employees across both banks since XX/XX/19, yet no one has been able to provide me with the concrete steps of this process, or provide me with any concrete assistance. Details : Funds were transferred via Western Union on XXXX ( Tracking # : XXXX XXXX XXXX ) from my XXXX  XXXX account ( sender 's account from which funds were taken ) to the XXXX account ( the intermediary account of the receiver 's bank where funds were deposited ). The receiver 's beneficiary account is XXXX XXXX XXXX located in XXXX, and they are not able to initiate the transfer from XXXX ( correspondent 's account ) or reject it so that it is returned to me. At this point, funds are completely stuck in the correspondent bank account with XXXX. Companies Involved/Steps Taken : Western Union : funds transferred from sender to receiver 's intermediary account through Western Union wiring service ; they stated that they are unable to refund funds that have already been deposited XXXX XXXX  : Receiver 's intermediary account ; both wire transfer department and accounting department continue to direct me to XXXX  XXXX and say there is nothing they can do on their end XXXX  XXXX : Sender 's account ; both wire transfer department and accounting department continue to direct me to XXXX and say there is nothing they can do on their end. They have also refused to reach out to XXXX on my behalf or engage in a conference call, even though employees have done this before for me. XXXX XXXX XXXX : Receiver 's beneficiary account ; they stated that they have no access to the intermediary account with XXXX, so they can not initiate or reject the transfer
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I had XXXX XRP ( ripple ) coin mysteriously disappear from my Coinbase wallet on XX/XX/21 the app updated through the night and now I have XXXX XRP coin and no receipt of the destination is was moved to.
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX, I received two separate notices of Stop Payment Orders for checks dated XX/XX/XXXX. My account was charged {$20.00} for each stop payment. I have not initiated any stop payment orders for this account in a far back as I can remember ; nor has my co-account holder. First, let me state that my concern is not for the charges for the stop payment orders. These funds have been restored to my account ; but rather for the apparent lack of visibility, ability to track transactions in PenFed 's financial systems indicating a lack of an ability to audit transactions, and the apparent vulnerabilities in PenFed 's transaction/accounting systems. When contacted, PenFed attempted to research these stop payment orders and communicated to me the following information : 1. The  check numbers referenced in the stop payment orders are not in the current series of checks I am using. In fact, checks in this series ( XXXX series ) have not been used in about 30 years for this account. 
2. They can not identify the payees or amount of the checks in question.

3. Since the account was charged for these stop payment orders, the orders had to originate from within their ( PenFed 's ) system. Had they been initiated on-line, there would not have been the {$20.00} charge applied. 
4. PenFed can not identify who initiated these actions.

5. PenFed can not find the original transactions which triggered the stop payment orders.

I find this to totally unacceptable in a financial instituion. I believe this lack of accountability/auditablity to a major vulnerability and potentially leaves PenFed and its customers open to fraud.
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I originally had XXXX school loans with XXXX that were transferred to XXXX in XXXX. In XXXX both loans with XXXX were paid in full. Now in XXXX I pulled my credit reports from XXXX XXXX and transunion saw XXXX is reporting both loans payment history incorrectly ; in payment history XXXX since XXXX reports no payment history until XXXX, which is the final payment payment owed. Also XXXX does not report who the original creditor, XXXX XXXX on either account. This is completely inaccurate. I disputed both loans on all XXXX credit reports. In XXXX I received notice from all XXXX bureaus verified the information as accurate. Per fair credit reporting act, a creditor has to report complete and accurate information to credit bureaus by law or if incomplete and inaccurate by law has to be removed from a credit report at all credit bureaus. Also under fcra I have the right to request from the creditor the information provided to the credit bureaus to verify the debt information as accurate. So I called XXXX on XX/XX/XXXX and spoke to rep XXXX employee ID number XXXX. I advised her of my plight, and I was requesting that a copy of that information be sent to me that was used to verify the payment history per my rights under fcra. XXXX informed me that they do n't actually keep record of each payment you make and when. They only report the date when the account has been paid in full. In my case, XX/XX/XXXX. Which is exactly what 's reported on all XXXX credit reports, no other pay history accept being paid in full on XXXX. I advised XXXX of fcra law, and I wanted the accounts removed. XXXX refused also to send copies of the information sent to credit bureaus to verify accounts and XXXX advised that was n't going to happen either. I stated under fcra law it was my right to ask for and receive this information, if they refused they are violating fcra law and can be sued. XXXX laughed then asked if I knew how long XXXX has operated like that, and if they were breaking laws someone would have complained about it before.i advised her you know your on a recorded line and admitting XXXX is violating fcra laws. XXXX can be sued for this, I then asked how to reach their legal department, XXXX then advised that XXXX does n't have XXXX.
Consumer complaint received 2022-01-04
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: DISCOVER BANK (AR)

XXXX XXXX XXXX XXXX purchased on XX/XX/21. All information given in sales pitch was fraudulent and deceptive and was found out after rescission period was over. I was denied access to XXXX website until after rescission period was over and in fact never told there was a specific cancellation window. I have made numerous contact phone calls with Quality Assurance for this membership to be cancelled with 2 Certified Mail Letters sent to office in XXXX, FL on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, also sent a Cease and Assist Letter to XXXX due to extensive phone calls from XXXX and XXXX XXXX, calling me morning, noon and night on my phone. Post office states they will not accept mail sent, trying to avoid my correspondence. I have already disputed twice the charges to my Discover card due to services not provided as stated. I will be filing a complaint with Profeco against XXXX XXXX XXXX ( They have a XXXX rating of F with similar complaints ) and with Consumer Financial Protection Bureau against Discover. My other credit card company understood there was no way for myself ( consumer ) to discern the deception by reading the contract. With the multiple correspondence via Certified Mail to XXXX XXXX and XXXX XXXX XXXX to addresses provided with no receipt or acknowledgment accepted. There was no way the contract would have disclosed the price of a week being {$5000.00} compared to the {$500.00} we were promised. We did not have access to the booking site to verify false claim until after the rescission period. 
Purchase Price : {$47000.00} Down Payment : {$14000.00} Amount Financed {$35000.00} Monthly Payment : {$870.00} My other credit card has refunded charges due to deception and fraud by not providing any services promised. 
After reading the contract it was founded that the only benefit we purchased for this amount of money was to receive a 25 % discount on future vacations with XXXX XXXX XXXX. My spouse and I were never told this information. I see where the information sent my XXXX to Discover states we have already used services with XXXX, however the leisure cash that was provided was given as an incentive to attend their presentation. We have used no other services. We have been trying to cancel this membership since XXXX which was within 30days of signing membership contract. Full contract was not made available at time of signing and only deceptive benefits were discussed.
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In mid XXXX I contacted Capital One customer service informing them that my address changed and that all future correspondence should be mailed to my new address starting on XX/XX/XXXX. When I failed to received the monthly statement, I contacted Capital One to confirm that the address was indeed changed. They informed me that they HAVE NO RECORD OF THE CALL, and that they still have the old address in the system. They also informed me that they marked me 30 days late since I failed to make a payment. Ive been a Capital One card holder since XX/XX/07 and in 13 years I HAVE NEVER BEEN LATE ONCE. They made an error, failed to change my address as requested, failed to send the bill to the correct address, and caused me to get a 30 day late! Capital One is refusing to correct the late out of good will even though the mistake was made by them due to the negligence of the rep to save the new address provided. 

Please see attached confirmation of address change from USPS, rent stub,  utility bills, as well as bills from other creditors ... .all showing the new address.