davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (NY)

Phoenix Financial is a debt collector that is reporting on my credit report that I owe them medical debt through a hospital that doesn't exist, the present hospital have no record of any outstanding balance on record. The doctor claim that Phoenix Financial is trying to scam me and doesn't have any idea what I'm talking about after contacting every hospital on XX/XX/2019 that this doctor affiliated with. However, doctor XXXX XXXX XXXX stated that this is fraud by this collection agency and I should seek legal action. I try to provide my Insurance information to this company which they inform me that they can accept medical card only credit card. I offer to pay {$99.00} to this company to delete or removed this debt from my report which I have on recording, I never received and email or a tax 1099 but I believe that this company is a scam. I would like a detail investigation in this matter and a lawsuit against this company for falsely obtain information through medical data and scamming innocent families.
Consumer complaint received 2019-11-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Onity Group Inc. (CA)

XXXX XXXX  XXXX verified that I have no debt, loan or default under my name, or ssn to the Sheriff, cyber crimes unit. In an attempt to collect debt and embezzle property, the debt was " KITED '' in direct violation of truth In Lending Act ( 15 USC 1601-1667f ), Title 18 513 ( a ) 1-3, B, C, D, E, counterfeit forged securities. 


XXXX  XXXX XXXX, purchased a {$50.00} buydown title policy and brought a {$0.00} principle balance debt to $ XXXX, while a XXXX trustee attempts to sell the property through XXXX for XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX I am a victim of identity theft ; pursuant to 530. - 530.55,  booked into evidence by cyber crimes is verifies the new loan issue dates which I am not in the notary journal. 

I have no loan with any of these parties, as verified by authorized two way recorded conversation booked with the Sheriff.
Consumer complaint received 2022-09-26
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4600.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1100.00}
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I deposited a check into my business account from an insurance check from the most recent rainstorm to fix our business space. The bank put a hold on the check for XXXX business days which was supposed to be today, XX/XX/2023. Now they have an indefinite hold on the check even though the check cleared the issuing account on XX/XX/2023. I have proof the check cleared from the insurance company. They are breaching every banking standard created to prevent this from happening.
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I have charged off debt of {$3200.00} from a Bank of America credit card. The account became delinquent in XXXX of 2009. Bank of America gave me a 1099-C Form to file with my federal tax return. As instructed, I used the charged off debt as income. To date, Bank of America is still reporting to the credit bureaus agencies that I account is active and open. I have called Bank of America several times asking them to close the account and update it as charged off. BOA told me that they ca n't legally collect on the debt because it it is charged off. The agent asked me to settle the {$3200.00} debt amount for {$2000.00}. I explained to BOA that the debt is charged off and settled. More importantly, I already filed it with my tax return as income. Please help me in getting BOA to close this account.
Consumer complaint received 2019-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been receiving phone calls from various numbers associated with Portfolio Recovery for over two years now. They rarely leave a message and I have never received anything in writing stating what debt it is that I owe. They will also call 4 or 5 times back to back and outside of the allowed times.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a XXXX account they also open a progressive leasing account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted Transunion and XXXX and XXXX with the knowledge that was given to me to the collection agencies also have accounts for XXXX  And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (TX)

Experian : I received your updated credit report enclosed is factual dispute on your credit report that you are reporting { 1 XXXX XXXX XXXX XXXX late payment that is false the vehicle was traded in and I purchased another vehicle through XXXX Please remove the late payments I know thing were slow due to covid } { 2 } XXXX  incomplete account number re aged date, can not post a past due on account } { 3 } XXXX XXXX XXXX  incomplete account number, re aged account reporting past due } { 4 } these inquires enclosed I did not authorizes these inquires } these are factual statements you are reporting on my credit report and they are violations of the FCRA I request that the CFPB handle this dispute
Consumer complaint received 2019-11-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Trust Management LLC (FL)

The first contact I had with this company they called me at my place of employment and stated that if since i was not going to validate my personal information to forwarded them to my HR for wage garnishment.I asked them not to call me at my place of work. They have called again and said told coworkers that there is a case filed against me, they call call from different number but leave the same callback number to call. They have called me from a XXXX XXXX number and a XXXX number and the company is based in XXXX. 
Global Trust Management also goes by XXXX XXXX and I have tried to explain to them that the online loan that they are trying to collect on from XXXX XXXX XXXX which is unlicensed in the state of Florida and I have a letter from the Division of Consumer Finance in XXXX that confirms that they are unlicensed and that makes XXXX XXXX XXXX uncollectable and unenforceable in the state of Florida. I have paid more than the principle amount on this loan.
Consumer complaint received 2019-06-16
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: Experian Information Solutions Inc. (CA)

I sent the attached letter to Experian requested requesting that they send to me documents bearing my signature on the items I previously disputed an inaccurate. I demanded written verification of these items they were reporting. They contine to send a letter stating that they investigated and subsequently re-investigated the disputed Items on my credit report, when in FACT they never did a proper investigation. 

The law is clear, I have rights under the Fair Credit Reoprting ACT. They continue to violate the law by not sending me written verification of documents with my name and signature on them. 

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that Experian somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how their investigator ( s )  arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to Experian previously are once again attached along with this correspondence in order to help you process this request.
Consumer complaint received 2022-09-26
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

XXXX XXXX Date Opened XX/XX/16 XXXX {$580.00}
Consumer complaint received 2023-12-28
Product: Credit reporting 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. (NY)

XXXX XXXX XXXX XXXX XXXX  ( I was never late on this account. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Today, XX/XX/XXXX and several times over the past week, I have tried to get the checking account closed only to be told it cant close until the sender of the wire recall his transfer. The sender, XXXX XXXX has informed me that he called his bank himself to recall the transfer only to be told that he cant as he is out of the States. This bank told me the following several times, have him recall the transfer and then close the account. I was told to leave a voicemail for someone to resolve this account. The sender cant recall his transfer and I cant close my checking account. This has already been going on over a week and nothing was resolved.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (TX)

XXXX/Barclays sent me the attached email offering me a 3.99 % rate until next year. 
I signed up, then called to check. They told me that it only applies to purchases beginning in XXXX. The word XXXX appears nowhere in the invitation email that I received, that is attached. 
This will hurt people who will assume, as I did that any purchases made between now and XXXX will be get the low rate -- and they will not. 
Very deceptive. Angers me. How can they get away with leaving that out.
Consumer complaint received 2019-11-04
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: CITIBANK, N.A. (IL)

1. My purse was stolen in XXXX on XX/XX/XXXX. I reported this immediately to Citibank and had my card cancelled. No charges were attempted. I asked them to wait to send the new card. I called them on XX/XX/XXXX and asked them to send the new card to my US address. 
2. On XX/XX/XXXX I returned to the US, found my new card safely in my mail in a sealed envelope and activated the card. I used it for a few charges over the next two days. 
3. On XX/XX/XXXX, I flew from XXXX to XXXX XXXX. When I arrived, I had a message from the Citi Fraud Department. I called them back and they asked if I had purchased something at the XXXX store in XXXX that day. I insisted that I did not. They then said they would need to cancel the card, even though I had only had it for three days. 
4. A new card was sent out to me in California two days later and I assumed that was the end of the matter. The charge of {$1600.00}, followed by a credit in the same amount, appeared on my next statement. 
5. In XXXX, the charge appeared BACK on my statement saying 'security reversed. ' I called Citi who said that because I did not respond to a letter, they are now treating it as an actual charge. I called three different times to dispute this. Every time I had to start completely again explaining the situation to the nice people in the XXXX. But the charge was still not removed. 
6. On XX/XX/XXXX, I was able to get hold of someone named XXXX in the Security Department who assured me she could get it taken care of. I sent copies of plane tickets and rental car receipts to prove I was in the air at the time of the charge. 

The charge continues and every month finance charges are increasing. I refuse to pay this fraudulent charge and want Citibank held responsible for not obeying the laws.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CT)

Hi! I have a CreditCare/synchrony credit card where i make a {$80.00} minimum payment. I recently have gone through financial hardship and i have been late on making a few payments and i can not stress how sorry i am for missing these last payments for the months of XXXX - XXXX of 2019.I know throughout the year of 2019 i haven't been making my payments on time but this year has just been exhausting, dealing with my very sick daughter, losing family members, switching departments in my job, and just trying to get my life back together. Overtime the payments and late fees started to add up and before i knew it, it just became a lot to handle and again i am so sorry.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

In XXXX of XXXX, a check in the amount of {$15000.00} was given to me as a gift. I endorsed the check to my family member. Because the check was from Chase she thought it would be easier to open an account with the check at a Chase Bank. Within a month Chase closed the account because they claim they were not able to verify me by my phone number. They told her that because I was not able to be verified by phone that I would have to bring my ID into the bank branch to be verified. When I was able to bring the ID to the bank they told us that they no longer accept identification verification in the bank branch and I must be verified by phone. They explained that my phone number needed to be listed in a public registry so they can search it and call. We went to the bank branch where the account was opened to sit down with the banker who opened the account and their money release department and they all gave us a different answer as to why we cant get the money back or returned to the original account.. I had the person who originally issued the check, look to see if the money was still in his account and it was not. He asked if he can get it back, I also asked if they can send it back to him and both of us were told no. The bank at this point is refusing to give us the money or return the money back to the person who wrote the check and I truly believe that someone at the branch stole the money.
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I am looking at my credit file and I notice a few error on my file. I live ar XXXX XXXX XXXX XXXX OH XXXX. Please remove the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
The follow accounts are not mine XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2017-06-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

I ha ve been a Macy 's  card holder for a few years now. I had a payment due  XXXX   XXXX  but since they NEVER updated my address ( I move every year or so due to rent increases in   XXXX   and it takes them repeated attempts to change my address ), they sent my bill to the wrong address and then I got it late -- paid it  XXXX   XXXX . Starting  XXXX   XXXX , I have been receiving phone calls from phone numbers in  XXXX   (   XXXX ,  XXXX  ) NONSTOP. I figured it was a salesperson because ever since I went to the  XXXX   XXXX  concert with my mom and gave them my phone number in a raffle, I 've been harassed at all hours of the day -- but that 's another story. When I finally answered and found out it  was Macys, I  almost fell off my chair. I mean, really?! A few dates late and already they are calling me -- I have received  14 phone calls in 52 ho ur period, all I have screen shots for :  XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX    XXXX   XXXX  :    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    Does that sound reasonable?? I mean this is so ridiculous. And the payment I made in  XXXX  was on time, with no late fees or any extra fees. So basically they are harassing a loyal and good custom er 14 times in le ss than 3 days because of being 6 days late on a payment -- due to an address change!   And there was  NOT ONE  voice message left in all those phone calls so that I knew who was harassing me and could have dealt with it.   This is true harassment and something needs to be done about this. And I 'm not the only one, I 'm sure.    XXXX   XXXX
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (IL)

Late payments were due to other causes beyond my control. I opened a new credit card account DISCOVER FINANCIAL XXXXXXXX in XX/XX/XXXX. They forced me to merge this account with my existing account in XX/XX/XXXX and they deleted my autopay. I added bank account again on XX/XX/XXXX after the account merger was complete. However, I was unable to set up autopay because of issues with Discover online payment system. On XX/XX/XXXX, I realized that Discover had reported my account to Credit Bureaus for missed payment, when the mistake was solely of Discover. During the last three months, they have failed to communicate with me via email or text or phone about setting up payment on their faulty system, because of which I can not set up autopay. During the conversation on XX/XX/XXXX, Discover financial customer service helped me set up the autopay, which I was unable to do so before. The payment was processed on XX/XX/XXXX and the account is current now. 
Required Resolution : remove late payment from my credit history. 

Sincerely, XXXX XXXX.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (TX)

My identity was stolen and someone used it to get an apartment they got evicted and I found out about the collections on my credit years later. 

I took several steps to get the account removed and disputed, IQ data international made the process so much harder. The callers were rude and unprofessional and werent the least bit helpful. 

They use unethical tactics to contact you and attempt collections. I could understand if I owed the amount. But my identity was stolen.
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (NM)

I have a william sonoma credit card from barclays bank. this account was sold to XXXX XXXX  in XX/XX/XXXXto which i was not notified or given a new card. i put a balance transfer on this card around XX/XX/XXXX. i then wanted to pay off this card with a 0 percentage card offer from XXXX  . XXXX sent the payoff amount of XXXX to the information from my william sonoma card issued by barclay bank. i have the etf number and confirmation from XXXX on the transfer. barclays bank of delaware said they never got the payment and XXXX XXXX  who took over this account in XX/XX/XXXXsaid they never got the payment. i am now paying both credit cards and no one will accept responsibility for the payment. i have been continuously calling all three banks and getting no where. can you please help me. thank you XXXX XXXX email XXXX XXXX XXXX XXXX XXXX XXXX XXXX nm XXXX