davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

Purchased a lot with 2 houses on it in XX/XX/XXXX. The house that was built in XXXX had water running underneath it compromising the floor joist and creating XXXX XXXX. I tore it down on the XXXX of XXXX. The Mortgage company went into my escrow account and took XXXX for a home owners policy for a home that no longer exists. I have tried several times to get my money back they are refusing to comply. I have copies of front and back of the 2 checks I wrote on the 3rd for track how and dumpsters, I have documents from the county showing the reduction of tax. XXXX XXXX  shows one house. The other house is insured thru XXXX XXXX. They are really difficult, do not trust me in any way.
Consumer complaint received 2019-04-23
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: EQUIFAX, INC. (GA)

Equifax refuses to address a problem with accessing our credit report that only they can fix. We worked with five different difficult-to-understand agents, supervisors, and managers over a period of three long hours and none of them were willing to do anything but execute the same old script which required us to answer a number of computer-generated questions that our answers did not satisfy. A number of those questions were based on the content of our credit report. I believe the failed answers were actually due to incorrect content in the report, not our personal information. That is evidenced by a number of online attempts which presented a number of content questions that were obviously not from our account because none of them matched any of our mortgage or credit items. Not only did they carelessly allow hackers to steal our data a couple of years ago, they are now corrupting our report so badly that we can't even access it. They claim they are trying to protect our identity, and are requesting we submit additional information to prove our identity before they can allow us to access our account. But, why should we because they have already proven themselves to be untrustworthy and unresponsive? Besides, all a banker needs is our name and SS numbers to access our report, and we have already given them far more than that -- and it's our information! How long are we to put up with Equifax 's careless and incompetent handling of important and sensitive information? By the way, our credit reports with XXXX and XXXX are fine.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The credit reporting agencies are still showing accounts that should have been removed because of fraud. Multiple complaints have been filed to no avail, without the negative information, my credit score should be over 700.
Consumer complaint received 2019-06-27
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. (FL)

In XX/XX/2018 I was involved in the natural disaster hurricane Michael. I had a XXXX XXXX  that was almost paid off and my insurance company paid the remaining balance. Being under Extreme stress of not having a vehicle I checked the box on the Trans Union app to investigate my lender as to whether or not they had closed out my account as a positive line of credit as which it should have been. Not knowing the guidelines that the lenders only have to abide by they only report once a month. So basically just because I wanted an inquiry as to why the account had not been closed yet Trans Union took it upon themselves to just completely delete the account since they found neither party of any foul play.
Consumer complaint received 2020-11-07
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY (NV)

A woman stole my money order after it was mailed ( by the USPS on XX/XX/2020 at the XXXX XXXX location XXXX XXXX,XX/XX/XXXX XXXX and " washed '' out my name and her an alias of her name on the pay to order line and endorsed it using her real name. She used the Wells Fargo mobile banking to deposit my money order into her account. 

I reached out to my local police department who directed me to FTC.GOV to file a complaint. I contacted Wells Fargo but they refused to help me with this matter because the police are supposed to go through their channels with the fraud department, so they won't do anything.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio recovery debt collectors have called me regarding this debt multiple times. 

They seem to be trying to trick or bait me into saying that I owe this debt, which I do not feel that I do. 

They have repeated information that is wrong. Incorrect dates of birth, addresses, etc. 

I have asked them to send documentation that I owe this debt to my address, which they have not done. 

I have told them that I wish to only communicate with them via certified letter, which they have not sent me. 

They called me on a work phone number XXXX repeatedly until I told them to cease contacting me by that number. I told them to send me information via mail, and gave them my correct, current address. 


Instead they just found another phone number I use and contacted me by that phone number instead against my wishes. 

If this was a legitimate debt and this was a legitimate debt collector using appropriate collection tactics they would contact me by mail as I have requested, and provide documentation showing that I owe this debt. They have done neither. 

I consider this harassment at this point. 

The most recent phone number and time they called me by was XXXX at XXXX on XX/XX/2020. 

They have called me many other times from various different phone numbers.
Consumer complaint received 2020-11-09
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: WELLS FARGO & COMPANY (CA)

I got a text on my phone this morning that my bank WF -- -- -informed me of unauthorized charges from XXXX XXXX on XX/XX/20. There were two charges on {$100.00} and the other $ XXXX {$200.00}. Only time I used this card was at XXXX in XX/XX/XXXX, CA @ XXXX XXXX payment of my XX/XX/XXXX credit card {$53.00} and purchases of {$7.00} which sadly I had to use my PIN # because it was DEBIT VISA card. 

The WF rep., also those me the VILLIANS tried 3-4 times at SuperShow several times which got declined. With " their '' persistence, they were successful on their LAST tried and double their amount. 

I got a case number from my bank # XXXX for verification that I reported to them.
Consumer complaint received 2020-11-07
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)

In XX/XX/2019 XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Consumer complaint received 2020-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

I opened an account with BB & T ( Truist ) online around XXXX or beginning of XX/XX/2020. I deposited a check of XXXX at a branch a few days after opening the account. I also deposited a {$100.00} check on the mobile app. I waited several weeks and never received a card. I contacted bb & t to ask when Id receive it and thats when I was told there was a card issued and its been used. So they had me open a new account and closed the original one. I received my debit card the following week and tried activating it but they said I couldnt because the account balance was negative. So the following week I received a letter stating the account was no longer negative. Again, I was unsuccessful at activating my card. They said it was froze. So I assumed a new card would be issued. They helped me gain online access to my account. I submitted 3 bill payments using my checking account number. I also tried sending money through XXXX to a family member on bb & t website so that I can have access to cash but it would not go through. I never used XXXX before so I figured I wasnt doing something correct. I then received a voicemail the same day saying to contact bb & t to verify account activity. When I called them they told me my account was frozen because it was being investigated. Which I figured it was because of the fraudulent charges. But I have been unsuccessful at getting an answer as to why I cant access my funds. They provided the provisional credits within 10 days like they should but they should not be blocking my access to them. That defeats the purpose of provisional credits being issued. Ive contacted bb & t daily to get answers but 95 % of the time My request to speak with a supervisor is refused. The 5 % that I have been able to speak with one Im told they dont have the answers as to why my access to my money is being blocked. All they know is that its under investigation. Yet no one can direct me to the department handling it and they say they are waiting on a response from them as well. This has been going on for almost 2 weeks. Im left in the dark, broke, unable to pay bills. The bill payments I submitted were returned. My electric, phone, and internet are all pending to be shut off. I cant get any answer or help from bb & t. Ive been out of work since XXXX. That money was money I had transferred out of my unemployment debit card with XXXX XXXX XXXX. Ive even contacted bb & t to advise them that I believe I know who intercepted my card and made those charges. Yet Im treated like the criminal every time I contact them. Im constantly promised supervisor callbacks but never receive them. I have no way of speaking to anyone that can help me and will soon have no access to a working phone. Please help me get this resolved.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

try to stop but they charge me for that procedure. They say for stop 'I have to send mj to> TXT stop to end the texts.They send all time this promotion
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has hung up on me twice after hours of waiting and denied my claim twice when my account had a fraudelent withdrawal of {$920.00} on the XX/XX/XXXX. They have done nothing but been unhelpful in getting my money back. I have still been not provided with actual reasoning on why I'm being denied and need further assistance from an institution above them.
Consumer complaint received 2016-01-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AR Resources, Inc. (PA)

I have filed for chapter XXXX bankruptcy, may case is discharged, but this debt on XXXX is still showing open and the amount owed. It should be reporting as balance XXXX and included in bankruptcy. It is reporting correctly with XXXX XXXX and XXXX, but not with XXXX. I have disputed this with XXXX multiple times and every time it is coming back as valid and that AR Resources us validating the debt. This is in violation of the Federal Bankruptcy code. I have also mailed AR Resources letters stating this and have gotten no response.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (KS)

I called Aspire credit card on XX/XX/XXXX about a fraudulent charge I seen posting on my account a representative put me in touch with fraud department and they said they would credit back the charge and send me out a replacement with in 7 to 10 days. A week later I noticed on my account the last four of my card number changed so I thought everything was good. I received a letter on XX/XX/XXXX stating there was fraud on my account and it was suspended. I called and spoke with them again they said that everything was ok but the card was not sent out for some reason so they would sent it out now and I could get it within a couple days expedited I told them that ok just send it regular mail. I received another letter a week later I called back on XX/XX/2023 they told me my card was lost or stolen at first then I talked to a supervisor by the name of XXXX who told me they could not confirm address but they had already sent me out two letters by this time. I asked for a supervisor over him to call me back he said it would take two business days and took down my number. On XX/XX/2023 I called back again due to not hearing anything spoke with another supervisor who told me the problem is the card count was not on account now he can send me out a card in 3 to 5 business days he also said he did not know why the supervisor has not called back for follow up because they should have called me on the XXXX. I dont understand why every time I call them I get a different reason why the card is not being sent out and have to keep calling back. I have been on time with my payments and now am paying for a card and fees of a card XXXX dont have in my possession due to there company and issues.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LoanCare, LLC (TX)

This company report that I have 3 different loan under this company but I actually has been only one loan one company 's already deleted form credit bureaus but the other is still pending. This companies has written off in all 3 loans with the IRS as different evictions on the same matter I had report to them this is incorrect or probably tax fraud in the end please locate the order of deficiency form IRS
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have disputed and sent documents of incorrect information on my credit report so many times there is always an issue with them according to them they update info that looks the same as the last report or they report that agency reported it was accurate even with the documents the collection companies tell me they could find my file or unable to sent me documents that verify the debt is mine I have been doing this for a year now and still cant get a solution
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NY)

After several phone calls too XXXX XXXX located on the XXXX islands and several affidavits and declarations to the company absolutely completely refuses to investigate the fraudulent transactions!! Please see Attachment ... ..Thank You XXXX Once the bank is alerted to the fraudulent charges and all required documentation is received, they must respond to the dispute within 30 days. The bank will have a maximum of 90 days to investigate and resolve the error. Depending upon the nature and scope of the fraud, the bank may decide to notify law enforcement. The XXXX XXXX did nothing! 

Statement from XXXX : Hi, XXXX XXXX, Recently you inquired about your charge ( s ) from your Bluebird Prepaid Debit Account in the total amount of {$1000.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination. 

You may request this information by writing to us at the following address : Bluebird Customer Care XXXX. XXXX  XXXX XXXX, GA XXXX Thanks, The Bluebird Team Email from XXXX : Hi, XXXX XXXX, Thank you for your recent inquiry regarding unauthorized transaction ( s ) on your Bluebird Account. 

We appreciate your patience while we complete the research needed to investigate your claim. We have enclosed the Declaration of Fraud form in order for you to provide us relevant details. Please complete it and upload the form through the following link within ten ( 10 ) business days from the date you contacted us over the phone regarding this claim. 

Declaration of Fraud Form Secure Document Upload : You can securely send your documents using your desktop or supported mobile device* by : Clicking here Logging in with your account credentials and Uploading your documents If a response is not received or it is incomplete, we may be unable to verify your claim. 

As a reminder, it is required we receive your Declaration of Fraud within ten ( 10 ) business days from the date you contacted us over the phone regarding this claim. If we do not receive this document within this time, you may not be eligible for a provisional credit. 

We may take up to 45 days to complete our investigation.

If you need additional options for submitting your documents or have any questions, please call Account Protection Services at XXXX. 

Thanks, The Bluebird Team THIS A VERY BAD COMPANY! Please help in this matter BY THE FRAUD BY XXXX! 

THANK YOU
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (AR)

I recently contacted Walmart service representatives about a high spike in interest rates on my card. I pay my bill on time and I have never been late making payment, for some reason in the past months my card balances continued to go up and my interest rates continue to increase!! My payments each has spiked up as well.The representative couldn't give me a reason why my interest rates, balances and my payments continue to increase.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account Name XXXX Collector. Account Number XXXX. The account name and number above have 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-07
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Tried to submit a check to Bank Of America, under my name but to my husband 's account, they didn't even called or anything and denied to proceed with it, until we found out nothing got done and my husband was charged for it, after fighting about it and submitted 2 claims, they sent us a " Legal copy check '' and I took it to my bank ( XXXX XXXX XXXX XXXX ) and after they did they're investigation, I was told Bank Of America already took the money from the check on XXXX XXXX.. Also contacted my previous landlord ( person who sent me the check ) and he contacted the bank ( XXXX XXXX ) where the check came from and he was told the check was already cashed on XX/XX/XXXX as well.
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (TX)

Talked to XXXX today in regards to debt, refused payment affordable with my agi of XXXX yearly, said they do not set up payment plans that low and will still report debt on credit report with the payment I can afford.