davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2021, my Barclaycard Rewards Mastercard was stolen by thieves. The thieves drove off with it and immediately went to a nearby commercial center and began using it, including stopping at a gas station and filling up. I received a fraud alert from Barclays which is when I realized my card had been stolen. I immediately had Barclays deactivate the card and send me a new one. I contacted their customer service department several times, listing out what had happened, and every single fraudulent transaction that occurred that day. In fact, after my real transaction that day at a XXXX, every single transaction that occurred afterward was fraud/theft. Those were the last transactions on said card. 

For some reason however, their fraud department keeps insisting that the transactions are valid when in reality they are absolutely not. I have tried and tried to explain this simple situation to them, and have called them dozens of times with this same issue. Each time I am redirected to the " fraud '' team where I am subsequently sent onto a two hour hold ( 2 hours at least, I usually hang up after wasting 2 hours for them to answer the phone ). So far I have not heard anything back from them. 

Worst part of this all is that this card is fully paid off, and now they've added the stolen transactions onto my account and are trying to tell me to pay them off, including interest, WHEN THEY ARE ALL FRAUDULENT TRANSACTIONS. What makes this even more infuriating is that they've already found a couple of these transactions on XX/XX/XXXX to be fraudulent, yet have found others to be valid, seemingly at random, despite that some of the transactions occurred after the ones they've admitted were fraud, chronologically. So not only are they insisting that I'm lying or delusional, their own audit logs or judgment seems I already got robbed in real life, now Barclays is trying to rob me again. This is coming from a customer who had the card for over 10 years, back when it was first called the XXXX rewards card. This is how they treat their customers who have been loyal and responsible but are unlucky enough to be victims of crime.
Consumer complaint received 2021-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Collection Systems, Inc. (TN)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-08-30
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: Shellpoint Partners, LLC (GA)

This company, Shellpoint Mortgage, is inaccurately reporting late payments to my account, during a Covid 19 forbearance plan. I have contact the company multiple times and they will not update the information. 

They have been contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and their claims resolution company refuses to update the status of my account. 

I have also disputed this information with XXXX  and XXXX, who will not update the status either.
Consumer complaint received 2021-08-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (VA)

I had lost my wallet around the time the loan was taken out which was XXXX the loan was taken out I lost it the previous week the birthday on the account not right and I know my social security card was in there and I had to get everything replaced I never received any payment from cash net usa I dont bank with XXXX XXXX I bank with XXXX XXXX  for the amount of {$2100.00}
Consumer complaint received 2021-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I transferred money out of my Venmo account balance to my checking account. What I thought would be a very easy process as the service is advertised as an easy way to send money. The next day I received an email stating that my account was restricted due to recent activity that triggered some security alerts. I contacted Venmo to fix this and they advised that it would take 15 BUSINESS DAYS so at least 3 WEEKS for someone to contact me back to even begin the process of fixing this error that Venmo has made. The money I transferred out was to pay my mortgage. Needless to say, I can not tell my mortgage company they will have to wait at least 3 weeks to get their money, so how is it okay for Venmo to say the same thing to me? It's not and it's despicable that action is not taken against these corporations for these horrible practices.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXXhas a collection on my credit that was opened in XXXX  and I stopped living at that residence the same year, however, after almost 11 years the credit agencies will not remove it from my file.
Consumer complaint received 2021-01-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On XX/XX/2020, I wrote to Portfolio Recovery, LLC requesting validation and an investigation into items that I believed were inaccurate. 
To date, I have not received any such validation. The only reply I received was a fake letter from XXXX XXXX  dated XX/XX/2020 & XX/XX/2020. Portfolio Recovery fails to provide my request for the alleged contract or other instrument bearing my signature. In my previous request directly to you, I listed my reasons for disputing the information and requested validation. Portfolio keeps deleting and re-inserting the accounts in my credit files. This has damaged my credit score and credit wortness.
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was approved for a Covid 19 deferral of payment through XX/XX/XXXX. I have an email dated XX/XX/XXXX stating such. My mobile banking app reflected no payment due on XX/XX/XXXX, my due date, until yesterday. I have spent 5 hours trying to straighten this out with representatives giving me misinformation, hanging up on me, being rude, questioning my illness. Bank of America admits that they approved the deferral but will not remove the payment due. Its unconscionable.
Consumer complaint received 2021-01-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX and TransUnion have not investigated my dispute and added a false comment on my file for the below account. 

" TransUnion didnt review this item because you asked them to cancel it. If you changed your mind, contact TransUnion '' file number XXXX Completed on XX/XX/2020. 
Also when I try to dispute this again I got a pop-up message : TransUnion didnt review this item because you asked them to cancel it. If you changed your mind, contact TransUnion ... I never cancel this dispute!
Consumer complaint received 2021-01-02
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: EQUIFAX, INC. (VA)

XX/XX/2020 I began receiving notifications from equifax with soft inquiries. I havent applied for any credit since XX/XX/2020 as i was going through an IRRRL Prior to XX/XX/2020 XXXX during the summer ) the same thing occurred so i reached out to them and after several calls it stopped. I subscribe to Equifaxs credit products so i know right away when there are any changes in my credit. Fast forward back to now, Ive emailed them to twice to address my concern and even advised them that if it dont stop i will notify the CFPB. Long story short Equifax is the requesting the inquiry and it comes up soft inquiry when i receive the notification. At least thats what it says when i open the alert.
Consumer complaint received 2021-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Re : XXXX - LVNV Funding LLC account number ending : XXXX - XXXX XXXX XXXX To Whom It May Concern : This email was sent to LVNV Funding LLC regarding accounts # XXXX, XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, wish they claim Collection. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay LVNV Funding LLC.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

Account Name : FIDELITY CREDITOR SERV ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-08-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

-Submitted initial deferment exit request on XX/XX/21, with 19 attachments meeting application requirements. 
-Called on XX/XX/21 to inquire the status, and was informed by an agent that my application was mistakenly filed in another program ( short sale instead of deferment exit ). 
-Sent email on XX/XX/21 recapping the phone call, and asking to confirm status. Sent original email as an attachment, demonstrating my original request and how Freedom Mortgage had messed up my request. 
XXXX called Freedom Mortgage and spent more than 2 hours on the phone trying to get Freedom Mortgage to process my request under the right status. I was contacted by a supervisor by phone and email, and she assured me she was working on the issue. She admitted Freedom Mortgage made a mistake and committed to fixing it. 
XXXX Received email from the supervisor stating the issue was escalated. 
XX/XX/21 Received another letter requesting incorrect information- sent email to supervisor. 
XX/XX/21 Let supervisor know I will file a complaint.
Consumer complaint received 2021-01-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TN)

On XXXX XXXX XXXX I obtain a copy of my credit report as i was going over my report i seen account in the name of credit acceptance opened on XX/XX/XXXX this isnt mines i never obtain any credit from this company ive called this company to inform them and also ive filled a police report
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

NewRez and Shellpoint are still fraudulently trying to steal my home. Attached is evidence of continued harassment and failure to cease and desist illegal practices. I've already supplied you with documentation showing the practice throughout the country. 

The attached documents are from a company I have no knowledge of and the foreclosure costs listed are manufactured.
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America closed and or removed access to my Nevada unemployment card. 
In XXXX of 2020 I alerted Bank Of America about an unauthorized ATM withdraw. 

I was then sent a new card to activate. 
Bank of America then denied my claim for an unauthorized withdraw within 24 hours. After receiving this information I then sent an appeal. 

On or around XX/XX/2020 Bank of America closed my account and or restricted ALL access to the account online and through ATM withdraws and card uses. 

Due to Bank of America I am unable to pay bills or buy groceries for my family. 

Bank of America stated it was " Nevada unemployment '' that had closed my account. 

After so much back and forth between the two agencies I am left without the funds necessary to provide for myself or my family. Due to Bank of America 's negligence of closing any and all accounts that had reported fraud. Leaving myself and thousands of others without our benefit payments.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I having an issue obtaining my credit file and report from Trans Union. For over 1 year, I have sent numerous letters of request to Trans Union, requesting for Trans Union to mail and send me a copy of my Free Annual Credit Report, which I am entitled to receive annually under the 1970 Fair Credit Reporting Act ( FCRA ), as of to date, I still have not received a copy of my Free Annual Credit Report which is a violation of the Fair Credit Reporting Act under federal law. Trans Union has sent me numerous letters informing me they do not maintain a credit profile on me which is inhibiting and prohibiting me from receiving my Free Annual Credit Report, apply for and obtaining credit.
Consumer complaint received 2021-08-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC (PA)

i never received a single statement from this company since i opened the loan. i just set up autopay through my bank and the payments went out every month at the same time. I tried to register online to view my account, but was not able to no matter what i did. Customer service tried helping me but the most they could do was try to escalate the matter, repeatedly, but no one ever got back to me. 

In the meantime, they sent an audit of the payments over a period of the past six months and it showed an inordinate amount of fees being assessed multiple time per month, which another customer service person could not explain to me either. 

This company is predatory in the extreme and I would like some help reaching a resolution to remove all these fees.
Consumer complaint received 2021-01-02
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 — Was not notified of investigation status or results
Company: United Collection Bureau, Inc. (OH)

I sent letters on XX/XX/XXXX and have not received a response. I have been disputing this for months with no response. I feel as tho I'm being taken advantage of. I DEMAND these accounts be deleted from my credit report immediately! Also, UNITED COLLECTION BUREAU has not provided proper validation of these accounts! I attached what they sent and this is not validation of these accounts that they're reporting to XX/XX/XXXX They are supposed to send me a signed contract with my SIGNATURE! They're in violation! XX/XX/XXXX is in violation as well. Also United Collection Bureau is reporting different amounts on these accounts to XX/XX/XXXX and the letters they sent me say a TOTALLY DIFFERENT Amount! THIS IS A VIOLATION!!! Also, United Collection Bureau DID NOT send anything for 2 of the accounts. I never received anything for those. I have attached the letters and what is being reported to XX/XX/XXXX XX/XX/XXXXis supposed to make sure that what is being reported is ACCURATE! PLEASE REMOVE ALL ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Service Bureau, Inc. (KS)

The debt collector would constantly try to call my phone while I was at work. They would then call my job. I informed them that I could not take personal phone calls at work since I work with the public and are also really short staffed. They got really mad at the fact they couldn't call my job and insisted the only way they would stop calling my work is if I paid the whole debt. I told them I have the right to request they not call my work and they became abusive and said they would no longer work with me and would no longer accept payments.
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (KY)

Im submitting a complaint because the bank systems that issue and service my prepaid credit/debit card failed to reimburse my account for fraudulent charges reported correctly and timely to them, nor have they provided proof that I personally made these charges or received the benefits of these charges. They can not the charges are fraudulent. 
I received an electronic warning notice from my bank that an attempted purchase was occurring in the amount of {$210.00} on XX/XX/XXXX. I immediately called and insisted the customer service person not allow this charge, cancel my current card, and re-issue me a new card due to fraudulent activity. The representative also noted another {$50.00} fraudulent charge the previous day but said the {$210.00} charge had already been processed and I would need to report both as fraud. I wrote my bank per policy on XX/XX/XXXX and requested they remove the two fraudulent charges totaling {$260.00}. I was temporarily credited that amount until 6 weeks later when my bank provided electronic receipts from the merchants showing purchases were made online electronically WITHOUT NAMES OR ADDRESSES, not even a purchaser IP address. I called my debit/credit card customer service on XX/XX/XXXX and again requested proof of purchase, signatures, and delivery addresses but did not get a response. My bank reversed their credit for {$260.00} but never provided proof that I made these purchases or received good/services. They can NOT provide proof because I did not make these purchases and reported them as fraudulent. 
I have attempted to contact my prepaid credit/debit card issuing bank, the main bank affiliated with the card issuer, and the XXXX XXXX all to no avail. None of them have responded to my numerous complaints and requests to remove the fraudulent charges totaling {$260.00}.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 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 XXXX XXXX XXXX
Consumer complaint received 2021-01-02
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: Experian Information Solutions Inc. (LA)

The inaccurate information was not updated on my mortgage balance after I sent supporting information indicating the correct balance. 

Balance : XXXX First sent on XX/XX/2020 2020
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I accepted a credit card with a promotional 18 month zero percent interest with a XXXX XXXX credit line, I also had another card with a XXXX credit line both with Fifth Third Bank. On XX/XX/2020 both cards were reduced to XXXX XXXX  and the second one to XXXX XXXX. Fifth third didnt keep the promotional agreement and leaving me with a high usage of on one card and a credit score that would suffer because of the reduced amount. I called fifth third and they stated they would restore the credit lines if I accepted a hard pull to my credit but couldnt receive the zero percent interest. Im very annoyed by fifth third because they send me loan offers every week and took the credit lines in the middle of a pandemic when I never missed a payment, why reduce my credit and then offer loans?
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.