davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

XXXX Our bank took funds that they never tried to investigate. 
Union Bank XXXX XXXX XXXX XXXX, California XXXX They didnt provide proof of names, photos, times, or people that they attempted to contact. I asked for all of this information and they provided nothing. I filed a police report, XXXX complaint, FDIC complaint and now CFPB complaint Ive tried my best to work with the company, and I got nothing in return. I asked for proof, and I received a letter stating, the payment cards are ( NEARLY ), impossible For a criminal to counterfeit ***** NOT DEFINITELY!!!!! 
Im in charge of my daughters bookkeeping, I was very ill for 3 months. I missed the debit taken from our account. Its her money, I had a card for emergencies. We put gas the night before we had to be at the XXXX XXXX in XXXX XXXX, Ca. It was an unfamiliar gas station. My daughter stated that criminals put something in the slot, so they can steal info. My ex spouse is XXXX and has XXXX XXXX XXXX. Theres no way possible that anyone of us, including our daughter, that would attempt to go to a mall in XXXX, Ca. Its a nasty, XXXX city. People are killed on a daily basis. I was 5-6 hours late to XXXX XXXX. My ex took the wrong bridge. He could never go to XXXX and find a mall, yet alone walk. Nor, could I. He worked in the XXXX XXXX XXXX XXXX, since our daughter was born, and he had us going in circles. I reported it, when I looked at her statement, later when I was a bit more clear minded. The account is in both our names, I do all of her book keeping. Im not letting the UnionBank get away with this petty nonsense. Im sick, though I will fight for my daughter until I am ashes. I know It is a small amount, its not their money. Its criminal act for them to not provide proof, and take her money! After she was subject to a XXXX criminal. Who committed fraud at a mall we know nothing about. UnionBank is an unscrupulous company. I advise everyone not to do business with this company. 
Its not about money. Its about integrity. UnionBank has none. I left my # with the manager to return my call. They didnt, and proceeded to hang up on me 7-8 xms. 1 with a huge gasp, as if annoyed. I filed a complaint. I have 6 - 7 complaint numbers filed with 6 - 7 different agencies. Closing our account after I am done with all of the agencies I can find to file with. Do not let any company believe that you as a consumer, are going to allow them to get away with unscrupulous business practices.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT IS NOT MY OWN BEING DISPLAYED ON MY CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TN)

This insurance was set up when my husband was getting a truck from a XXXX dealership. They needed proof of insurance so he set it up really quick under my name ( because we keep accounts logged in ) on accident. When numbers were finalized my husband ended up not getting the truck at all that was paired to insurance and it still sits on the dealer lot.
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (MD)

My vehicle was broken into and my purse was stolen with all of my identification in it. I was not aware of my identity being stolen until early this year when a creditor informed me that my information was used with the wrong social security number. I was homeless over 4 years and my identity was being used by someone I don't know. I wrote and spoke with several people at the credit agencies but nothing is being done about it. I really need this removed from my credit report. Information that is destroying me from having major XXXX and going back to school. Please assist me in correcting fraud on my credit report.
Consumer complaint received 2018-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

Two items were placed in dispute from a " XXXX XXXX '' on or around XX/XX/31, amounts of XXXX and XXXX, a total of XXXX. These items are for items not received, the seller is a scammer as I explained to several Paypal reps, one of whom took the claim over the phone. The last rep I spoke with stated the seller provided info showing the items were delivered, which they were not. I have not received anything from this seller and the person communicates only through XXXX messenger, as most scammers do.I have not seen any proof of delivery, there is none.
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

I received a letter, on XX/XX/XXXX stating that my Automatic payments have been canceled because of a various list of reasons. This is not personalized to me. Just a general form letter with my name added to it. 
I called the PHH Mortgage Company after XXXX and talked to a foreign speaking man who said his identification was XXXX.Phone # XXXX XXXX He said they needed information on my bankruptcy from XX/XX/XXXX, a reaffirmation form. Stating that the present house I am living in was not confirmed as to whether it was listed on my bankruptcy. I have been paying on this house for 13 years, it was bought in XX/XX/XXXX. Thru EFT from my bank. Now they have canceled that because I had filed bankruptcy in XX/XX/XXXX. Why??? No he could not answer that after 13 years, they are doing this. But they want a copy of my bankruptcy report to prove that this house I am living in and not ever missing a payment is not on that bankruptcy. I am fearful that this is a scam. I do not trust what they are doing and I did not do anything wrong. My credit score is close to excellent and I have not missed payments. The bankruptcy copy cost me {$180.00}, plus {$6.00} shipping I am still waiting on in mail. I would like some answers as to why I am targeted after 13 years of good compliance to there loan. I am planning on getting legal advise also. I have called several numbers to get to this place to file the complaint. It is very upsetting to go thru this, as I am a senior citizen. Maybe why I am targeted, but I am not stupid.
Consumer complaint received 2018-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Kentucky Collections (GA)

My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX On XX/XX/XXXX I started working for XXXX XXXX services In the state of XXXX . I had worked for them 5 years ago under the name XXXX security in the state of Kentucky. They reassigned me the employee ID number I had 5 years ago. My check had been garnished by XXXX XXXX, attorney at law in XXXX, Ky on behalf of XXXX XXXX Hospital, also in XXXX, Ky when I had worked for XXXX XXXX. The Garnishment started back up when I went to work for XXXX security services this past XX/XX/XXXX. 
on XX/XX/XXXX I contacted XXXX XXXX Hospital and was told that I had no active accounts there, so XX/XX/XXXX I contacted XXXX XXXX 's office and was told by a representative there that they had turned the account over to Central Kentucky Collections in XXXX, Ky. The representative for XXXX XXXX also said that they had not received any kind of payments from Central Kentucky Collections.on XX/XX/XXXX I contacted Central Kentucky Collections and spoke to a representative and he told me that, that account had been paid off since XX/XX/XXXX, but he would take notes and send then to XXXX XXXX, owner and manager or Central Kentucky Collections, on XX/XX/XXXX I called Central Kentucky Collections and spoke to XXXX XXXX and she told me she has been sending payments to XXXX XXXX 's Office for accrued interest and court costs.There was no more mention of the account being paid since XX/XX/XXXX. So I decided to file a complaint with you all because it seems like Im getting the run around.
Consumer complaint received 2021-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

I am XXXX XXXX and I am submitting this complaint myself. AWA COLLECTIONS is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section XXXX. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AWA COLLECTIONS XXXX )
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

Navient reported 5 missed payments to the credit bureaus for months XXXX through XXXX of 2015. This loan account was initially opened with XXXX and at a different point sold to Navient. I, the borrower, was never notified of the sale. When payment became due for this account, I believed letters from Navient regarding payment and balance were fraudulent. After some research several amounts later, I discovered that loan had been sold without notice to me. I reached out to Navient by letter and the credit bureaus to resolve this issue. Navient responded to say the reported information was accurate and they were not at fault for lack of communication/notification. The credit bureaus said they reported what they had received. 

All payments to this lender since the time of my discovery have been made on time in XX/XX/2015. I would also like to add that from XXXX to XXXX of 2015 I made payments totaling {$730.00} to show I was attempting to correct a problem I didn't create.
Consumer complaint received 2019-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. l went home to check my credit report and found some items that are not mine listed as inquiries. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-13
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: Experian Information Solutions Inc. (PA)

Good Morning and thank you for reviewing my concern. 
After reviewing the entire credit profile, XXXX XXXX placed a collection on the credit profile after being resold by the original credit profile. This improper credit reporting compromised credit profile and creditworthiness.
Consumer complaint received 2019-05-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: KeyBridge Medical Revenue Management (KY)

On XX/XX/2019 I called to make a good faith offer to bring the account current, but the agent refused and asked for a higher amount. I stated I could not afford the amount requested, but made another offer. Agent then began laughing at me and stated that they'd take me to court instead.
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NY)

I have contacted the company IC System , Inc., XXXX XXXX XXXX XXXX  XXXX, MN XXXX on multiple occasions to verify the ownership of my debt & they do not provide the verification, instead they continue to report to the Credit Bureaus that the account is in collections. I dont have an account with XXXX  XXXX  and I want the account verified and removed from my credit report.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TRANSUNION CONTINUALLY REPORTS A FORECLOSURE ON MY CREDIT REPORT. 

I have nothing to do with ANY foreclosure ; NONE of my assets have ever been foreclosed upon. 

Please REMOVE this erroneous report.
Consumer complaint received 2019-08-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

My mortgage with Flagstar Bank was refinanced on XX/XX/19 - and paid off, in full, by the XXXX of XXXX. I was therefore entitled to receive my escrow balance ( over {$1700.00} ) paid back to me within 30 days, per RESPA guidelines. 

However, I never got an escrow refund. They stated that a refund was sent out on the XXXX of XXXX, but I never got a check. I called back week after week, and they kept telling me that they would cancel the previous check and issue to a new one - to no avail. I called today and they seem to have no idea what I'm talking about. I want the money that is owed me. And I want them to answer for the interest they're making off of it every day since!
Consumer complaint received 2018-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I am a victim of fraud. On XX/XX/XXXX I made a deposit on my checking account with a Cashier 's  Check provided me by a supposed employer, to perform an assignment, in the amount of {$2800.00}. I withdrew {$2400.00} from the account on XXXX when the funds became available. 

On the XXXX when I checked my account on-line to see if I had received my unemployment deposit, I discovered my account was overdrawn a little over {$1800.00}. I ran to the branch to find out why. I was informed the check deposited was fraudulent. 

The bank should not have made the funds available knowing I never had funds in my account since XX/XX/2017 to cover those funds. The cashier was not savvy to realize when cashier check was given was fraudulent. 

I spoke to a customer service rep in the bank and said they could not help me. They did not report my complaint to the fraud department. I proceeded to call the police and make a report. 

On a later date I went to another TD bank branch and the customer service rep was very helpful. He reported the incident to the fraud department and sent them documentation showing clearly I was a victim of fraud. 

The customer service rep. proceeded in assisting me with closing a savings account I had and open a new account so I can do my bank transactions since the other checking account was under investigation. 

I am claiming the previous balance estimated around {$200.00} and my unemployment check which were taken from me and overdraft fees due to this incident. 

Please see documentation attached.\ I re-deposited the sum of {$1700.00} cash into another checking account as per the instructions given me by the employer to the same branch on the XXXX. The account was then restricted.
Consumer complaint received 2018-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (ID)

I had filed XXXX XXXX and had paid off everything. Shellpoint stated I still owed {$3400.00} to them, which was part of XXXX XXXX XXXX. I paid that amount and my XXXX XXXX was discharged in XX/XX/XXXX. I received a statement from Shellpoint stating I still owed {$1200.00}. I have made many calls and mailed letters showing everything was paid. They have said they would clear this up, but as of XX/XX/XXXX. XXXX they haven't. I would like this matter cleared up and a statement from them stating I have never been late. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Today on XXXX XXXX Chase Bank decided to close my account with out giving me any information as to why they closed the account. The worst part is that my paycheck was arriving to that checking account and thats where all the money I have is an all they say is that I can never open a account with them. They wont let me get my check out so that I can deposit it into my new bank and now I have no money since they have it all and dont give me a time frame when I can get it back.
Consumer complaint received 2019-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear Bank of America, I previously notified you that I am a victim of identity theft, and requested that you do the following : Investigate unauthorized transactions on my account Cancel my card Issue me a new card and account number, and Restore any funds withdrawn from my account without my authorization. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. My XXXX account was used for the following unauthorized transactions : Account Number : Charge : Date : XXXX {$700.00} XX/XX/2019 I did not authorize anyone else to use my card in any way. 
I am notifying you of the above unauthorized transactions, in accordance with the Electronic Fund Transfer Act. See Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205.6, 205.11. 
I request that you investigate any unauthorized transactions involving this card, including but not limited to those listed above. 
Please cancel my card, issue me a new card and account number, and restore any funds withdrawn from my account without my authorization. Please send me written confirmation of these actions.
Consumer complaint received 2018-07-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Preferred Visa Card Dispute Department not assisting with dispute of partial charge {$220.00} of total of {$1.00}, XXXX. 

After several days after purchase date XX/XX/18 called Bank of America Preferred Visa Card Dispute Department and provided all details and needed facts and evidence provided. Charge was reversed and no follow up request from Bank of America Visa Card Dispute Department until letter received ( on XX/XX/18 ) and requesting copy of receipt instantly with demand ( by Dispute Department ) of receipt within 72 hours. Because of request to speak to supervisor about additional question was placed on hold for extended period of time- with out specking to supervisor find out if other inf. was needed.

Receipt of transaction was faxed to requested fax number same date of receipt of letter from Dispute Department ( XX/XX/18 ), with detailed description of disputed amount. 

XX/XX/18 Received letter from Visa Card Dispute Department making claim that the copy of receipt was not received. 

XX/XX/18 Called Bank of America credit card services and was told fax was received. 

XX/XX/18 Called Bank of America credit card dispute services to confirm receipt a second time and was informed that I need to go back to merchant.
Consumer complaint received 2019-04-09
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. (PR)

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To who may interest : I applied for my credit report to buy my first home I am residing in XXXX XXXX since XX/XX/XXXX and I sent evidence of the XXXX boarding pass, also evidence of a Massachusset Police Ticket. 
I resided at XXXX XXXX XXXX. XXXX, Mass. XXXX. I need the following accounts to be investigated and removed from my Credit Report. These accounts belong to another person because I have not applied either in XXXX or in XXXX these two accounts belong to my wife XXXX I. XXXX XXXX. 
These are the accounts that have to be removed in the name of XXXX XXXX. 
XXXX XXXX went through the worst catastrophe Hurricane Maria and me and my family need to buy my first safe home and these accounts are affecting me to buy my Safe Home. 

This are the accounts : 1. XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX 2.XXXX XXXX {$5900.00} XXXX XXXX XXXX 3 . XXXX {$490.00} XXXX XXXX XXXX .4.XXXX {$350.00} XXXX XXXX XXXX 5. XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have contacted the company on numerous occasions in reference to this debt. 

However, the company is verifying this debt as mine with a simple bill statement. Not only is that not proper verification, its important to mention I have sent the company over a copy of my police report as well for identity theft. 

Portfolio Recovery {$900.00} Account number : XXXX
Consumer complaint received 2019-09-05
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: TD BANK US HOLDING COMPANY (IL)

I just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already please help.