davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (ND)

A Door to Door salesman came to our house via a new cable company we had heard of in our City. They made an offer for our Cable and Internet Service that would save us over {$100.00} per month. We went ahead with this plan and called our former cable company, XXXX XXXX, and they said to return all of their equipment to cancel our service with them. We did so on XX/XX/XXXX and we asked them if we owed anything on our account and were told they did not know but they would contact us if we did. We never received an e-mail nor any billing in the mail from them so we assumed we did not owe anything and forgot about it all. 

Then in the last week of XXXX we received a letter not from XXXX  XXXX but from a Debt Collection company, Credit Management LP, stating we owed {$160.00} to XXXX  XXXX. From this, we knew this would affect my husband 's credit report and we had never received a previous billing via mail or our e-mail prior to receiving the letter from the Debt Collection Company. 

Our son immediately got on the phone and called XXXX XXXX and asked them why this amount owed was sent to a collection agency when a ) we had never received a bill prior to this notice and b ) that the account was sent to a third party collection company in less than 2 months of our cancelling our service. 

The representative on the phone stated they had mailed two billings but we never received them and had been actively looking for any notification about an amount still owed. If we had known that this amount was due soon after we closed our account, we would have reviewed it and taken care of it but now it has been sent to collections and we both want to ensure this is not reflective on my husband 's credit report prior to our paying it and want to know why we were never notified of this debt before it was sent to a Third Party Collection. 

My son has suggested that this is in retaliation for our canceling our service and I am unsure if this is the reason but what I do know is if we had owed anything, then we should have received a billing in the mail and/or been contacted by XXXX XXXX before it was sent to collection and we also want to inquire as to why it was sent to collection in less than 60 days of our closing our account.
Consumer complaint received 2020-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (VA)

XXXX XX/XX/XXXX, charged off amount for {$790.00}. Wrote the XXXX, emailed the President of the Company. Barclays Bank Delaware has violated the federal law under the Fair Credit Reporting Act section 608 and 611 by reporting after my husband went off XXXX XXXX in XXXX due to combat related injuries. Servicemembers Civil Relief Act was also violated. They have multiple accounts on my husband 's credit report that payments were stopped and balances were adjusted to reflect the Servicemember Civil Relief Act. I submitted documentation showing he was on XXXX XXXX because they had violated the law. This company saw my husband was on XXXX XXXX and documentation was submitted to them via fax. Never reported any late payments until he was released from XXXX XXXX and is completely XXXX. They are also violating the Fair Debt Collection Practice Act by reporting to the credit bureau after my husband went off XXXX XXXX. I have disputed this multiple times with the credit bureau and Barclays Bank is now put the debt as a charge off/collection when in fact they are breaking numerous laws. Barclays Bank needs to be penalized for not abiding by the federal laws that are in place for the consumers. This company continues to violate laws.This company is not veteran friendly. The federal government need to get involved and make sure they are not taking advantage of the consumer especially a veteran who has served his country. They are up on statue of limitations in the state of Virginia as well. The list just goes on and on. They never reported on his credit report when they approved my husband for the Servicemembers Civil Relief Act.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — Store credit 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. (NC)

On XX/XX/XXXX a bad actor posing as me went into two different Best Buy locations in XXXX, XXXX. I was at a concert with my wife in the town that I live -- XXXXXXXX XXXX. I got an email on my phone thanking me for my purchase with a receipt attached. Receipt was from XXXX XXXX  on XX/XX/XXXX from Best Buy # XXXX in XXXX. The charge was for and XXXX XXXX for {$1500.00}. I called the Best Buy XXXX number to report this as fraudulent. I assumed that would be the end of this. 

An hour later I got a similar email from Best Buy # XXXX in XXXX, XXXX. It was time stamped XXXX XXXX  on XX/XX/XXXX. THis was for several XXXX  and a XXXX XXXX XXXX XXXX totalling {$2900.00}. 

I called again the next day to report these again. Nothing happened. I called back after a few weeks and was told that my claim was denied and that I had authorized these purchases. I DID NOT! I resubmitted a claim and was denied again. 

I have had to freeze my account not only with Best Buy, but also with the big three credit bureaus. 

Last week we took a family vacation to XXXX XXXX XXXX. Cell service is spotty at best there. When I got back to civilization, I had multiple emails, voicemails, and missed calls from Best Buy/Citibank . They have continued to call but I haven't spoken to them. 

I filed a police report in XXXX XXXX I filled out a complaint on the FTC website and now on the CFPB site. Please advise. I'm attaching the receipts in question and a picture of us at the concert on XX/XX/XXXX in XXXX. XXXX XXXX was made the following morning, but the show was the night of XX/XX/XXXX. A quick search of XXXX XXXX XXXX XXXX dates should confirm this. 

Thanks!
Consumer complaint received 2019-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Made a purchase from another individual for tickets to a basketball game in exchange for {$250.00}, he said to send him the money via my bank ( JP Morgan Chase ) thru XXXX. Money was sent, seller didn't deliver the tickets and wouldn't return calls or texts. Seller 's name is XXXX XXXX based out of XXXX XXXX, phone number is XXXX. Email address is XXXX. Had friends call him as well to inquire about buying tickets from him and he tried to pull off the same scam with them. 

I contacted my bank JP Morgan Chase and they said they will investigate and possibly reimburse me, but it's not guaranteed.
Consumer complaint received 2023-08-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AL)

Constant phone calls from multiple different numbers. 8 calls XX/XX/2010 calls XX/XX/XXXX. 58 calls between XX/XX/XXXX and XX/XX/XXXX. It's automated. Sometimes it rings once and then drops the call. It's excessive.
Consumer complaint received 2019-02-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC Bank USA, N.A. had a " Get {$350.00} with this exclusive offer. A special invitation for HSBC Advance. I would receive {$350.00} by depositing a minimum balance of {$10000.00} and maintain at least the qualifying minimum balance for 90-calendar days. For example, I open a HSBC ADVANCE CHECKING account on XX/XX/XXXX. By XX/XX/XXXX, I should receive a {$350.00} Welcome Deposit into my new HSBC Advance Checking Account approximately eight ( 8 ) weeks after completing the requirements.

Opened account with XXXX XXXX XXXX, Personal Banker at HSBC Bank USA, N.A., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX  [ XXXX / XXXX ] on XX/XX/XXXX after XXXX XXXX assured me that I QUALIFIED for the {$350.00} bonus welcome interest.

XX/XX/XXXX : I emailed XXXX XXXX, XXXX Branch Service Manager at XXXX regarding the failure of XXXX to deposit the {$350.00} onto my checking account.

XX/XX/XXXX : XXXX XXXX wrote me back to inform me that she is reaching out to the marketing team.

XX/XX/XXXX : XXXX XXXX said that she was informed that I had a previous HSBC account, thus did not qualify for the {$350.00} promotion.

I DO NOT HAVE ANY PRIOR HSBC ACCOUNTS.

XX/XX/XXXX : I wrote a letter to Mr. XXXX XXXX XXXX, Chief Executive Officer and President of HSBC North America Holdings , Inc., HSBC Bank USA, N.A. and HSBC USA Inc. at the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New York XXXXXX/XX/XXXX : I received an email from XXXX XXXX, Manager of Customer Relations. She said that she will look into the matter and will contact me.

XX/XX/XXXX : I emailed both XXXX XXXX, Manager of Customer Relations AND XXXX XXXX, XXXX Branch Service Manager for a written explanation on why HSBC failed to deposit {$350.00} onto my checking account.

XX/XX/XXXX : I received an email from XXXX XXXX, Manager of Customer Relations. She said that she is continuing her investigation and will contact me.

XX/XX/XXXX : I wrote XXXX XXXX, Manager of Customer Relations a letter regarding HSBC Bank USA, N.A. failure to honor its contractual obligations.

As of this date, XX/XX/XXXX, no requested information as to the denial of the {$350.00} and failure to follow its own contractual protocol- We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes to complete our investigation.
Consumer complaint received 2019-02-09
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. (OH)

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. 
XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-02-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

Today, XX/XX/2019, Paypal sent me an email saying my account was limited. But I never set up an account with them. I used a website called XXXX and used a guest checkout. They have a box that you can check off that asks if yo want to setup and account. I didnt check the box, and they still setup an account in my name anyway. They did this without my permission and this is an invasion of my privacy.
Consumer complaint received 2022-09-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

I ordered an XXXX from XXXX XXXX XXXX. This was an XXXX XXXX. XXXX XXXX XXXX over the course of a month could not get the phone set up properly : They could not get it to adequately connect to their network, they could not get Voice Mail to work. They had me go to XXXX and get a different phone and still they could not get it to work properly : I had been an XXXX XXXX XXXX  customer for over 15 years at that point. 

I attempted to return the phone to XXXX XXXX XXXX directly ( twice ). I canceled my account with them and went on to XXXX. 

XXXX XXXX XXXX is attempting to collect a debt for service, merchandise, and product support that they did not provide. I attempted to resolve this with XXXX XXXX XXXX three different times and even offered to restart service. XXXX XXXX XXXX could not even make that happen. 

They attempted to collect on this previously. It was removed from my credit reports as it was not a valid debt by the debt collection company. 

I do not owe money : They could not keep to their Service Level Agreement, and I discontinued my patronage of their business. 

The debt they are attempting to collect is not owed and is an issue that is now nearly three years old.

I even kept the new phone in it's packaging for two years.
Consumer complaint received 2023-07-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Sequium Asset Solutions, LLC (WA)

SEQUIUM ASSET SOLUTIONS , LLC The phone and surveillance equipment was not working properly when purchased and credit was not applied as representative stated. The service were not activated when a crime against victim XXXX XXXX XXXX was committed on XX/XX/2022 a police report was done by XXXX XXXX XXXX and XXXX continued to bill me for services not used. XXXX called several times and reported she was not at residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and reported breaking and entering. 

The company had continued to send a bill after notice of entry of judgement and told the company not to contact me anymore that no bill was due. Phone and surveillance was my equipment from contractual agreement between parties. XXXX XXXX XXXX reported to Attorney General office of risk Management for fraudulent charges for service not used.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Check Resolution Inc. (CA)

I just received an email saying that I owe {$3000.00}. The account says XXXX XXXX which I have never heard of and that the account was opened in 2019 in XXXX. 1 ) I have not been to XXXX in 2019nor did I open any account in 2019.
Consumer complaint received 2019-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My earlier complaint was satisfied by Bank America. The complaint was filed on XX/XX/XXXX, complaint # XXXX. There was fraud in my son 's checking account. After our complaint was filed, the money that was withdrawn from our accounts was returned. We were satisfied, and maintained our Bank America ( BOA ) accounts. To our surprise BOA apparently revisited the issue just this past month, and claimed my son was responsible for the fraud, & then raided it of all funds and closed the account, which is held jointly with me. The account without any warning was suddenly closed on XX/XX/XXXX. When we called they told it was because of the earlier fraud and that the money needs to returned. Bank America than raided my personal account, and took an additional {$770.00} out of my account. All this was done without explanation. I'm attaching a pdf of the XX/XX/XXXX letters, announcing the closing of the account and the withdrawal of funds from my account. The letters do not explain the reason for why the money was taken out, or the reason for the closing of our joint account. I've called Bank America numerous times. One representative promised that he would investigate, and would get back to me. But that was two weeks ago. When I call I get transferred from one BOA division to the next. I've wasted a lot of time on the phone repeatedly telling one representative after another the past and the present. No one is able to explain. They seem unaware of their earlier letter recognizing that my son was a victim and not responsible for the fraudulent check deposited into his account.
Consumer complaint received 2019-02-09
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (NC)

I had a loan with XXXX XXXX and after trying to work with them in 2017 to see what I could do to make payments since I couldnt afford them. I was told to apply for a forbearance or deferment right away without getting the option to see about an income driven repayment plan. Not only was I not aware of this but I was told I needed to pay {$50.00} dollars to be put into a forberence state which I couldnt afford to pay since I was living paycheck to paycheck just trying to survive. After all this happened, I stopped answering there phone calls for a short time to reset my thoughts and see about options. The very next time I communicated with them. They were rude, disrespectful and wouldnt let me talk without them talking over me. At the end of the phone call. I told them to stop calling me and to leave me alone. No sooner then the very next day, I started getting phone calls from them day after day after day. I answered quit a few times and told them to stop calling me especially since I was at work the majority of the time but still had no luck. The very last time they called me, I recieved a letter in the mail a couple days later saying they sold my loan to another company. My loan at the time with XXXX XXXX was around 5,800 dollars. By the end of everything when the loan sold, its over 8,000 now.
Consumer complaint received 2019-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

My mortgage was sold to Flagstar for servicing. The date of the first notice I received was the XXXX statement. 

I found out in trying to pay online via my old Servicer, XXXX, that my mortgage was sold. I was on vacation in XXXX XXXX I called and spoke to customer service and I was assured by them that my RESPA period is protected per FCRA, but they reported a Late Payment during the protected RESPA period in violation of my rights. The protection is in place for a reason! I did not have access to online banking and did not know my new account number, etc. 

Once I established online banking access, inaccurate amounts owed showing on online banking access. It appeared like I had missed 3 month 's payments but when I spoke to customer service, they gave me opposing information, and they were confused too. They " guessed '' that the following months ' payment due was also showing as late, in error. 

My rights were not protected during RESPA period! Worse than their erroneous and inaccurate info and reporting, I started getting threatening communication from Flagstar mortgage without regard to the RESPA Service Transfer period.

I spoke with a Service Rep names XXXX, and she indicated Flagstar would write to me regarding my complaint. To this date I have received ZERO communication back from Flagstar. My case number with Flagstar is XXXX.
Consumer complaint received 2019-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i have multiple credit inquiry i never initiated and as a victim of identity theft, i had a fraud alert placed on my credit report which requires 1. i give a written consent before my credit is pulled. 
2. i be called before my credit is pulled. 
3. credit report should stay as much a 6 months, but we also have 11 Pulls within a 1 month span from an individual company ( XXXX ), XXXX XXXX pulls within a week span. 

none of the above fraud prevention measures were followed according to FTC rules, attaching fraudulent pulls below and should be investigated and deleted Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i have attached 2 police reports from City of XXXX & XXXX XXXX to further make the case that this is a result of identity theft and upon failure to delete these, i would have o choice but to proceeding with legal actio against Transunion XXXX already deleted these as a result and so has XXXX. 

thanks XXXX XXXX
Consumer complaint received 2019-02-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (OR)

My payments have historically increased and most recently without giving me any written notice. When I called they claimed they mailed me notice. Which I never received. I did receive my tax form so they clearly have the correct address. They continued to tell me I still had to make this new increased payment without me receiving a notices regardless. The biggest issue I have is that I've paid over XXXX on this loan since 2013 and the principal has only gone down XXXX. I feel completely over a barrel. Wells Fargo is crooked and unaccountable.