davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

XXXX and XXXX XXXX submit these letters of negotiation on several credit cards through the Consumer Financial Protection Bureau to show good faith to our creditors. We have gone through medical issues and job changes, and are now in a much better position to resolve our debt matters in an orderly manner. Accordingly, we submit these letters of negotiation as follows :
Consumer complaint received 2018-06-18
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: EQUIFAX, INC. (CA)

In early XX/XX/XXXX, I contacted Equifax about an erroneous item regarding XXXX about an unresolved dispute dating back to XX/XX/XXXX. Equifax said I needed to contact XXXX. I contacted my credit card provider, XXXX  about the erroneous report on my Equifax credit report showing an unresolved dispute dated XX/XX/XXXX. XXXX confirmed there were no outstanding issues and that I needed to write a letter requesting resolution to XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX with the appropriate details. The XXXX rep said with my letter, XXXX would send notification to Equifax to clear the item. 6 months later, I have not had any response from XXXX and the incorrect unresolved dispute from XX/XX/XXXX is still showing on my Equifax report. I called XXXX today and I spoke with XXXX, " the building dispute supervisor. '' XXXX was particularly unhelpful and told me to contact Equifax and that XXXX could not be of service and completely contradicted the instructions I had received from XXXX 6 months prior. I requested a letter from XXXX confirming there were no outstanding disputes dating back to XX/XX/XXXX but XXXX refused to be of assistance. It has been my experience that customer service has declined markedly at XXXX in recent years and any issue requires multiple emails and phone calls and escalation to higher management to get simple matters resolved.
Consumer complaint received 2023-07-20
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: Affirm Holdings, Inc (CA)

I purchased supplements from a company called XXXX and then they signed me up for something I did not want and then a payment was due I made a complaint very early and then the next thing I know, Im threatening a lawsuit because I was being charged for something I didnt want and I wasnt receiving. And they sent me to collections THIS IS FRAUD The XXXX company sent me a complete refund email to take care of this and now XXXX/ affirm needs to get it off of my credit!
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called transunion several times, to let them know I am victim of the inquiry issue. I have several inquiries that are does not belong to me. I also called XXXX. 
My Name : XXXX XXXX XXXX. # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2019-06-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (CA)

I requested Western Union ( WU ) to transfer funds ( international ) on XX/XX/2019. To expedite the process, I paid WU-Pay via my bank account for XXXX provided to me. I noticed on my bank statement a few days later that WU collected funds from my bank account twice for the same transaction, on XX/XX/XXXX and XXXX. 

I called WU, but they denied any wrong doing, and asked me to mail a hard copy of my bank statement. They claimed they couldn't find any record of paying twice the full amount. They also refused my request to contact my banker directly. I explained to WU that my financial privacy is my right and they can't violate my right to cover up their fault, be it benign or criminal. WU didn't care less. 

I filed a complaint through my bank. The investigation resulted in my favor, and a full refund was confirmed by a letter to my account on XX/XX/2019. 

WU contacted me today threatens me to send a collection note against me. I explained to them that I was expecting an apology call from them not a threat with a collection note. WU is doubling down knowing that the judgement against them could result in legal consequences. 

WU again refused to contact my bank, who investigated the matter, which ruled for my favor. Why WU is harassing me? Are they discriminating against me?
Consumer complaint received 2022-02-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I am not swayed that XXXX XXXX  XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX, XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX with account number XXXX.
Consumer complaint received 2019-06-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (OH)

I was loaned XXXX dollars on inboxloan.com and spoke with a person to get the loan. He simply told me I was to pay XXXX dollars plus interest. Well turned out I was able to login on the website the day I got the loan and before I got the loan. The day after I got my loaned they simply closed my account. Well actually it wont let me login. But I know they secretly shut it down or something cause other people had the same issues with login. Also issues with talking to customer service they simply hang up. I was charged 799 % interest and was shocked. The agreement they just had me sign and they said everything on the agreement was covered from over the phone. My XXXX dollar loan ended up me owing 4000+ dollars back. I will never do a loan ever again this is straight robbery and I do believe my information is being sold.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX and XXXX XXXX submit these letters of negotiation on several credit cards through the Consumer Financial Protection Bureau to show good faith to our creditors. We have gone through medical issues and job changes, and are now in a much better position to resolve our debt matters in an orderly manner. Accordingly, we submit these letters of negotiation as follows :
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I have sent them the 609 letter requesting that they send me documentation of my contract with my signature. None of the credit agencies have responded and its been 30 days they have to show proof. I was never notified of my car being repoed.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Massive check fraud on XXXX  XXXX  ( XXXX years old during fraud ) by a house keeper ( and friend of the family ). From XX/XX/XXXX to XXXX XXXX for about {$61000.00}. Comically bad changing of amounts ( first checks and the sporatic checks ), completely bogus signatures ( a few ) and then pasting copies of signature ( many ) onto stolen checks. The pasting of signatures was completely obvious : ripped edge of the pasted signature on image, signature vertically offset from bottom line ( signature/ '' For '' ), signature at angles from the bottom line, etc. Yet, Bank of America did not detect this fraud for all 100 fraudulent checks. Due to Bank of America " tricked '' an elderly  customer into not including check images with the paper statements, these checks were not detected for 2 years. 

Actions : Reported to XXXX XXXX Police and investigation started ( Fraud Detective came to house ) for " Elder Abuse ( financial ) /Grand Theft ''. Police report number was given to Bank Of America. 

Reported To Bank Of America : After 3 Months, Bank of America sent Form Letter stating claim was rejected ( Quoting Uniform Commerical Code 4-406 and " Bank of America Deposit Agreement '' ).
Consumer complaint received 2020-06-07
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-09-02
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. (AZ)

XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX provided statements, but no signed contract between XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (TX)

On XX/XX/2023 I called and left a message for XXXX XXXX to give me a call back on my number. At XXXX XXXX I received a call back on work number. When I asked why he called that number he said that he just hit redial. During the entire conversation he would not allow me to speak. I felt like I was constantly trying to tell him what was going on and he refused to even give me the opportunity to speak. There is already a case open for my other complaint. XXXX. If XXXX XXXX would have actually read what was sent he may be able to understand what I am trying to say. I did ask to speak with a supervisor but was transferred to a voicemail. The fact is that we do not owe the money that they are trying to collect. We have told them this numerous times. We only owe about {$10.00} which I am more than happy to pay. 

Also they sent me someone else 's debt.
Consumer complaint received 2019-10-09
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. (TX)

Equifax is the worse Credit Reporting Agency to even deal with. On Several occasions I have contacted them with regards to these inquiries and no one ever wants to assist you in finding a solution. These people are not on the consumer side at all and should be fined all day long and I see why they are constantly getting sued ... ..

I want these erronenous hard inquires removed immediately off my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/2019 an ACH deposit of {$57.00} was made using my debit card number and by a mistake, it was deposited in the wrong banking institution Wells Fargo. The bank reversed it out of my account but was never sent to the XXXX  ( a third party company that makes deposits ) to credit back to my XXXX account. I contacted the XXXX that I provide delivery service for and get paid for it, I was waiting to receive my funds back to my XXXX account and they are requiring that I provide a letter from the financial institution which I did, however, the Wells Fargo indicated the last 4 digits of my checking account number which was not used and not my 4 last digits of my debit card number which it was deposited to. I call and requested a letter 2 times from the Wells Fargo with the debit card number and there refusing to provide a letter to the me with the correct reversal information, so I can be reimbursed back from the company I provide service for. Wells Fargo explain to me that my checking account has my debit card attached to it but XXXX explain to me that XXXX their processing company is requesting something with the last 4 digits of my debit card to refund the money back to my account with XXXX. It's been over a month and I still have recieved my money back.
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION (TX)

This complaint is for Wilmington trust. It is so demanded that Wilmington trust for validation of debt and all commercial matters in accou d # XXXX in accordance to ( U.C.C. 3-402 ) ( b ) I need to see that generally accepted accounting principles ( GAAP ) is being followed. This company is stating that I borrowed cash from their organization.I must see the contract that allows this company to collect this alleged debt on the behalf of XXXX XXXX XXXX XXXX account but most importantly the booking entries with General Ledger. With this company refusing to release this information.The following account # XXXX must be validated this company is required under oath to show me validation for the debt by a certified public accountant ( CPA ), they have 10 days to give me the bookkeeping entries from a ( CPA ) Or this order will be in force and I will request that these book entries be seized under the 1917 trading with the enemy act. Requesting to see entries under UCC 3-302 adequate assurance of due performance.and requesting entries under UCC 2-609 for the sale and purchase. See the attachments as to company still not complying with my orders.Nothing is Certified by a CPA.
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

1. I am currently on a repayment plan with JC Penny Synchrony Bank of {$64.00} per month not {$120.00} per month. Since the XX/XX/2019 a payment of {$120.00} per month has been taken out of my checking account from XXXX XXXX XXXX. 

2. I have sent JC Penney Synchrony bank numerous emails informing them of the discrepancy with my JC Penny store credit account bill. 

3.
Consumer complaint received 2020-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/2020, my debit card, which was linked to my PayPal account, was hacked and {$300.00} withdrawn from my checking account through a PayPal wire transfer service called XXXX. My credit union and debit card issuer would not replenish the funds, claiming the issue needed to be resolved with PayPal. PayPal declined responsibility and referred me directly to XXXX. After many attempts, I finally got through to a XXXX representative but the company has not resolved this fraud nor returned my money to my checking account.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (SC)

I contact Comenity Capital Bank several times requesting financial assistance due to Covid19 unemployment. On XXXX XXXX, I requested payment assistance and a waiver of interest. Instead of assisting me during a financial crisis, the bank sent me a reply email stating the following : " Thank you for your recent inquiry. Attached you will find the documentation you have requested. Please review and if you have any questions you may respond directly to this email ''. This letter informed me that rather than offering me deferred payments, my my credit reports were checked and my credit limit of {$4500.00} was lowered to {$300.00}, which was the amount owed on the account. 

Also note, the website indicates to contact the bank for financial assistance due to Covid19.
Consumer complaint received 2019-06-18
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. (AR)

the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX BANK # XXXX XXXX XXXX BANK # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX U.S. Bankruptcy Court # XXXX
Consumer complaint received 2019-06-18
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. (NV)

Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

The following accounts XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX  XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXXXXXX XXXX XXXX  XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - - ACCOUNT NUMBER XXXX have been all DELETED from XXXX. The law say all credit Bureaus must report complete and accurate information. These accounts ARE NOT VALID AND should not still be reporting to XXXX Or Equifax.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

Currently my husband and I hold a lot of accounts with USAA Bank. We opened several youth checking accounts but were never told about their secret policy that they have. Back in XX/XX/2021 my husbands XXXX XXXX XXXX called USAA to request a debit card be sent to his address. ( He lives with his mom ). His mom took over the phone call and verified her sons information. She then was able to have a debit card sent to her physical address and on XX/XX/2021 she went and spent all the money in her sons account for herself even though she didn't open this account and is NOT an account holder. USAA never contacted my husband or I that a new debit card has been issued or that the XXXX XXXX XXXX had called in. According to them any child ages XXXX are account holders and as long as they can call in customer service and give permission to a " legal '' guardian than that said guardian can them make changes to the account including ordering a debit card, having it shipped to a different address than on file and are able to access the funds in the account. They are treated as an account holder even though they are NOT an actual account holder. This is not listed in the terms and conditions or disclosures. If we were told that a biological parent could become an account holder by the say so of a minor we never would have opened these accounts. I asked for documentation that states that is a policy and they said that they cant not provide that to us. So basically money that does not belong to you can become yours as long you can get a minor to say you are there legal guardian and have the DOB or SSN information.
Consumer complaint received 2019-06-18
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. (AR)

the following accounts have been disputed on these dates for these reasons : XXXX,XXXX,XXXX  Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX  XXXX BANK # XXXX XXXX  XXXX BANK # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX U.S. Bankruptcy Court # XXXX
Consumer complaint received 2022-09-02
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. (AZ)

XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX provided statements, but no signed contract between XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc. (FL)

My XXXX account was hacked back n XXXX are XXXX phone was off a whole day no network then i received a notice on my account that it was a data breach but my info wasnt affected then i went to the bank one day to get my XXXX check on XX/XX/XXXX my check was gone .my statement stated the XXXX had been making withdrawals since XX/XX/XXXX XXXXThey then order XXXX XXXX on my account cause the receipt came to my phone ran my bill up to XXXX and said i owe it I trying calling takling to a supervisor but the phone reps will not put higher authority on the phone. They have damaged my life i was XXXX customer for 12 loyal years. They have even blocked the online account and reported me to debt collector ... by they way ve been hacked twice by this company