davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I deposited a check from XXXX XXXX in XXXX, Texas on Monday into my checking account for {$3100.00} at their ATM and then found out they were putting a hold on the funds until XX/XX/XXXX : Hold Transaction layer Deposit Hold {$3100.00} Total amount delayed, available XX/XX/XXXX at XXXX XXXX ET I have deposited their checks before with access the next day. I am being discriminated against, I don't know anyone else locally who is being subject to these one week plus holds! 

I spoke with customer service a couple times and a supervisor who said there is nothing they can do.
Consumer complaint received 2021-10-20
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: CITIBANK, N.A. (CA)

On XX/XX/2021, a balance transfer check ( issued by CitiBank ) has been deposited in my name into a foreign bank account in the amount of {$300.00} by an unknown person. As a result a {$300.00} charge appeared on my credit card statement along with a {$15.00} transfer fee ( {$310.00} total ). 

CitiBank initially sent the blank balance transfer check to me as a promotional offer to transfer my credit card balance. I discarded the check but it appears the check was stolen by someone to commit credit card fraud. I contacted the fraud department at CitiBank in the beginning of XXXX to try to resolve the issue but they have so far been unhelpful. After 2 months, Citibank sent a form to fill out. I filled out the form and sent it Citibank in the provided envelope with their pre-filled fraud department address. I received another letter from CitiBank that they have not received the requested form and that the fraud case has been closed with no further explanation or instruction. 

As of today, XX/XX/2021, the {$310.00} charge is still on my credit card account. 

PS : I have a photo-copy of the fraudulent check with a forged signature.
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FC HoldCo LLC (OH)

I have been getting repeated calls from XXXX XXXX They are trying to contact XXXX XXXX, a person who used to have my phone number. Sometimes they call several times a day. I was told that the number is still listed to this other person, but it has been my number for over 2 years. I have asked them to stop calling. Sometimes when I answer the phone, no one will respond. I have an unlisted phone number, which I have requested from XXXX XXXX XXXX, that nobody be able to find my phone number in a phone book or on the internet. I am not the person they are trying to reach, and it is not my responsibility to provide them with my information. I would like the phone calls to stop.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I received a late payment from Hyundai motor finance because the lady I spoke to didnt speak English very well and we had a misunderstanding. I was calling during the peak of Covid and called to do a payment deferral. I thought the deferral was submitted but I didnt understand the lady had told me I had to sign something that she emailed me and return it. So not knowing I was supposed to sign the paperwork she emailed I received a late payment. I sent Hyundai a letter explaining everything now XXXX is reporting different late payments on the XXXX website it says I was late XX/XX/XXXX. Its reporting late XX/XX/XXXX on identity iq. Since its not reporting accurately Id request that all late payments from Hyundai be removed from my credit report with all 3 credit bureaus. Thank you in advance.
Consumer complaint received 2021-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OH)

Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$970.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$970.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$970.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX 2026
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

I signed up for a credit card with a promotion offering three complimentary nights, but unfortunately, I did not receive them even after meeting the requirements. I contacted the company on XX/XX/XXXX, and was informed that the certificate had been issued on XX/XX/XXXX. They assured me that they would re-issue the certificate and I should receive it within 10 to 14 business days. However, I did not receive anything for the next three weeks. After contacting them again on XX/XX/XXXX, they informed me that I would need to wait another 10 to 14 business days, and that was all they could do. As a result, I would like to file a complaint regarding this matter.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I have been trying to resolve a dispute that has bee mishandled by USAA. During this process, I asked USAA to alternatively issue a miscellaneous credit to my account instead of continuing to mishandle the dispute. 

I was told it was " impossible '' for USAA to do that. The representative I spoke with, who claimed to go my the name of " XXXX '' reiterated that not a single employee at USAA has the ability to issue any sort of account credit or an adjustment to an account. I again asked if she stood my this claim to which she confirmed - It is an impossible act for any person at USAA to issue any sort of credit to my account. 

I do not believe this. I suspect I have been lied to. I asked for specific reasoning and was told " that is not how the system works. '' I do not accept this explanation. I feel misled and misinformed by the products offered by USAA and request a canonical explanation addressing the possibility in issuing an adjustment to account. 

Further, I feel retaliated against for making complaints to the CFPB, as the associate became observably frustrated with my continued attempts for clarification despite her continuing to either provide misleading out contradictory answers. An example of contraction came within her various statements such as " it would have to be a fee or a dispute for an adjustment '' which suggests the possibility to issue adjustments. Further, my account does contain an ongoing dispute, so issuing an adjustment with a dispute as a basis confirms the possibility of adjusting the account. 

I've been lied to and USAA is continuing to egregiously mishandle my credit card dispute.
Consumer complaint received 2023-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-05-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. ()

Dear Madam, Dear Sir On Thursday XX/XX/XXXX an international wire transfer was initiated from XXXX with the intent to transfer money into a Ally Bank account. The money was wired to the following account : Receiving Bank : XXXX XXXX XXXX XXXX, XXXX. 
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX SWIFT Code or Bank Identification Code : XXXX Beneficiary Account Number : XXXX as in accordance to Ally guidelines for receiving wires from a non U.S. bank However, the sender of the money made an incorrect entry into the " further credit '' field which is required to correctly forward the money into the intended Ally account Correct information : XXXX XXXX XXXX XXXX Information as incorrectly entered by the sender : XXXX XXXX XXXX XXXX Further information : wired amount : XXXX ( euros ) unique transaction ID as per the sender 's bank : XXXX sender 's full name : XXXX XXXX sender 's account number : XXXX sender 's bank : XXXX XXXX  XXXX XXXX All attempts of the sender 's bank to stop the transfer proved unsuccessfull. The money left the sender 's bank account. Despite obviously incorrect recepient information, Ally Bank does not cooperate in the process or returning those funds. Multiple calls to the customer care hotline resulted in straight up conflicting responses on when and if the money would ever be returned. As of now, Ally Bank more or less kept the money.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (FL)

Discover Credit card After continuously disputing discover credit card open fraudulently under my name in the amount of {$8200.00} open on XX/XX/2016. Discover has refused to withdraw and remove this account. I have supporting documentation in which proves I am a victim of identity Theft.

I have summited the following documentation more that 10 times *police report *ftc affidavit * copy of my drivers license & social Under the Fair Credit Reporting Act, states if the credit reporting agencies can not verify the debt within 30 days, then it must be removed. Discover has reported to the credit bureau claim to have " verified '' this debt and evidence proving belonging to me.

but this is in fact not true under law.

Simply responding to the dispute and verifying match up numbers in your database is no sufficient verification for identity theft.

In fact the Credit bureaus not only disputed this account as fraudulent but they also informed discover I was a victim of identity theft and provided police report FTC Affidavit.

Of course the information matches up. Someone clearly used my information without my authorization. The thieves have have all My information but unfortunately i have no control of that. I have place a security freeze on my report to prevent further fraudulent misuse of my identity to apply for credit. 
I have provided more than sufficient evidence to get this false accounts removed. discover financial has made my life a living nightmare ... 

Ive spent time out of work totaling 217 hours ( in result lost wages for absent time ) My anual income is {$110000.00} verifiable Through the IRS. also Im currently In the process of buying my first home in Which Ive funded Ernest money in the amount of XXXX in escrow, due to the fact that discover has reported this fraudulent delinquency on my credit report I will not only be able to close on the property and loose the money that I put in escrow plus additional fees such As Appraisal & inspection for a total of XXXX not including time of work Discover credit services. Has caused me not only my good name and credibility but also monetary losses from work wages for taking time off work to resolve this matter, money lost from escrow account in result of not closing on my home due to the fraudulent XXXX, XXXX XXXX XXXX XXXX by this extreme experience. 
suffering of this XXXX XXXX has drastically affected me with health issues such as XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2021-10-20
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: OPORTUN FINANCIAL CORPORATION (CA)

I received a personal loan by the XXXX XXXX XXXX on XX/XX/2017 for the amount of {$1600.00}. While making payments I eventually couldnt pay anymore. So the company took action and put a wage garnishment and took money from my checks and deducted over {$1800.00} the amount owed was paid in full. After the payments were made the creditor added an amount of XXXX and does not want to give me information on why its there on my report. The company does not cooperate very well. Ive tried for a year to resolve this but the company is refusing to give any information.
Consumer complaint received 2015-03-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (PA)

trying to withdrawal money from TD Bank , NA only to find out they are saying theydo not have signatures on file for our company ( owner of the account ). i sent backletters telling TD not to close the account but they closed anyway. They do haverecord of receiving those letters. They are saying they XXXX the money to PA. 
PA has no record of that money. Just want to get our money out of TD Bank andinto our other accounts at another bank.
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2022, I fully linked a new checking account with Capital One 's system to use for future payments. The document " All done! Your accounts are now linked '' confirmed the account was setup and ready for use. The payment of {$1000.00} was initiated to zero out my account. Since this was a freshly linked account, I was very careful to correctly select the new account instead of the default account when manually making the payment. I received a conformation email for the payment confirmation and that it was in process. 

There undisclosed was a hold of an unspecified amount of days placed upon my payment from my checking account with XXXX XXXXXXXX XXXX to Capital One. This hold was placed on my account a few months back but I'm not sure exactly when are Capital One won't tell me. The payment is generally fully processed from XXXX 's side within 1-2 business days after I make the payment. Capital One 's hold on my account was unjustifiable and I was not notified in any way that a change or hold was even placed on my account until I realized it was taking longer than usual to access the paid funds. 

On XX/XX/2022 My Capital One account had some fraudulent charges that are currently being investigated. A Credit of {$320.00} which gave me enough credit to start using my card again as I wait for my payment to through. 

on XX/XX/2022 the credit I was given and was given a few days earlier became available. I used my card a on a few small transactions and my card was deactivated and closed down. I called Capital One to understand what happened to my account in which they informed me they terminated my account. The rep I spoke with advised for me to payoff the {$770.00}. Capital One also charged me a late fee on my account and this did incur interest. She also advised after the payment posts, to call back to begin the investigation process as to where the error occurred. 

After this conversation, I called back on XX/XX/2022 after the payment was posted and I was transferred to the collections department. The rep could not assist in initiating an investigation. I requested to be transferred to a customer service rep who could initiate the investigation. All reps were uncooperative in initiating my request of this investigation into the closure of my account which is another violation.
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES (FL)

The loan company XXXX XXXX, a possible Virginia based small business loan company that deals online only set up a line of credit for my business. The business never received documentation and or loan information pertaining to repayment terms and interest rates and finance charges over the time of repayment. There was no contract executed and given a copy of to me the officer of the company, and now the company is trying to sue me personally stating I signed as a guarantor. There was no indication I ever was gon na be personally responsible and there was no documentation ever asked for basis of repayment for myself personally other than banking statements for the business. There is no account ever opened up on my personal credit report and I have been served by this company with a lawsuit in a state where I dont do any business and apparently this is the state where the company has operated from, in Virginia. I am a Florida resident and my business was a Florida based business, that has been corporately dissolved.
Consumer complaint received 2022-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Credit Corporation (WA)

I contacted XXXX in XXXX when I got a credit card bill. I called and told them it was identity theft and that I never opened a card with them. They told me they would take care of it and not worry. In XXXX, I checked my credit report, and they put on the credit report that I owed money. I called and tried to resolve the matter, but they told me they no longer had access to the fraud account under my name ( which wasn't mine. It was fraud ) and that they couldn't close it even though I had documentation to prove that it wasn't me including a police report for fraud and identity theft. They told me to dispute through the credit report companies, but I was denied a dispute because the company still says it's me even though it isn't. I want this resolved, or I will contact the police again about this issue with XXXX. This is ridiculous, and it is the company 's fault for not double-checking when someone opens a card in someones else 's name. I want this off my record cause it is not me. XXXX sent a debt collector to me for {$5100.00} in XX/XX/2022. I will not pay this cause this is fraud debt.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (FL)

First this account had already been submitted by another collection company under the name of XXXX and this account had been disputed and the closed case now appears again under another collection company CREDENCE, previous case for this account was under CFPB case # XXXX for XXXX
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have issued previous reports and have not received a proper response. Company is stating they bought a debt from XXXX XXXX from or around XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( they don't know the date ). It is obvious that this is fraudulent. I have stated on multiple occasions that I don't know this debt and I am pursuing multiple venues to remove it. The alleged debt in question is XXXX USD, again ; I do not know this amount. I demand proof of original debt, this would take the form of the signed account opening documents from XXXX XXXX.
Consumer complaint received 2018-05-09
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. (NY)

I am uploading proof that the XXXX XXXX XXXX account was deleted off my XXXX   credit report. XXXX and transunion still have not deleted it off my credit reports. This information does not belong and is supposed to be deleted.