davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-16
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX my employee XXXX XXXX Charged Airline Ticket with XXXX in the amount of {$2700.00} on company 's ( issued in his name ) XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX issued by Barclays Bank Delaware. 

He completed first leg of journey on XX/XX/XXXX while still had return portion due to travel on XX/XX/XXXX. 

Mr. XXXX received a call from XXXX XXXX XXXX notifying him of suspicious activity on his card, upon which he verified that XXXX and two other XXXX transactions were valid and remaining were not. 

upon receipt of new statement MrXXXX XXXX called and advised the bank that he was issued credit for XXXX even though he confirmed to the agent that the charge was valid. The agent informed Mr. XXXX that it was an error in Bank part which has already be corrected and XXXX was not debited therefore he did not need to worry about anything. 

When Mr. XXXX called XXXX for seat allocation and reconfirmation prior to his travel he was told by XXXX that his ticket is frozen for nonpayment as credit card company did not pay the airline. 

When Mr. XXXX called the Bank again, he was told the bank will take care of it. He received a letter in the mail stating that regarding claim and a credit has been issued to the card, then the credit was reversed on the card and card was charged again. 

Mr. XXXX spoke with several agents at the bank and they insist that XXXX has been paid. Mr. XXXX spoke with several XXXX agents on the phone and in person at XXXX airport location and they all advised him that airline has not been paid therefore his return portion is still frozen. 

Mr. XXXX forwarded the matter to me and I spoke with XXXX at Claims/Disputes and he promised to investigate the matter and would get back to me, which he never did. I called again and I explained to him the situation and insisted that He must stay on the line with me when i call XXXX since he was not willing to call XXXX to resolve the issue. XXXX stayed with me while I spoke with XXXX agent on the recorded line and XXXX agent informed us that XXXX has been paid therefore the ticket is frozen. XXXX advised me that he will work on the resolution and get back to me but it has been over 2 months and we have not heard from XXXX or any one from the bank in writing or via phone. 

In short currently we have paid for the entire ticket, used only one way. XXXX Claims non receipt of payment, Bank claims they have paid. Bank caused the entire mess by disallowing payment in the first place and issuing letter to XXXX regardless of what actually happened therefore Bank is responsible to clean the mess up. 

Furthermore, there is high probability airline may not allow Mr. XXXX on its flight unless the matter is cleared. 

It is bad customer service and poor handling.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have some issues on my credit file that need addressed, my name is XXXX XXXX XXXX SS XXXX DOB XX/XX/XXXX. Please remove any other variation of my name it is not accurate ( Please delete XXXX XXXX, XXXX XXXX ) The following addresses are not mine please delete XXXX XXXX XXXX # XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX, CT XXXX I have requested documentation from the following 5 collections agencies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.
Consumer complaint received 2019-10-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NY)

YOU HAVE MY PAYMENT / CURRENT PAYMENT STATUS IN COLLECTIONS CHARGE OFF I NEVER RECICVED NOTICE THAT I HAVE A COLLECTION ON A SOLD ACCOUNT PLEASE VALIDATE THE COLLECTION YOU SOLD ACCOUNT HOW CAN I BE IN COLLECTIONS
Consumer complaint received 2019-10-16
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. (GA)

I reviewed my Equifax credit report and I totally shocked that Equifax reinserted fraudulent accounts on my credit report from 2-4 years ago. Equifax has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX   XXXX and Consumer Financial Protection Bureau. I am requesting for Equifax to delete and block these fraudulent accounts immediately : 1. XXXX XXXX XXXX   | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. XXXX XXXX XXXX XXXX Balance : {$1600.00} 4. XXXX XXXX XXXX XXXX Balance : {$650.00} Equifax did not notify me within five business days before placing these old fraudulent accounts back on my credit report. Equifax has violated my rights and I will be consulting with a consumer attorney sue Equifax for its negligence.
Consumer complaint received 2019-10-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

XX/XX/19 This account appears on my credit report, i contacted ACE Cash express to see who had the debt, they stated XXXX XXXX XXXX had it once contacting them they advised XXXX XXXX had it upon further research they have been shut down for illegal practice. So i contacted XXXX XXXX the company listed on my credit report, he was very rude and threatening, I asked my balance he stated XXXX upon speaking to ACE Cash Express they stated that I owe {$400.00} and that the collection agency is NOT ALLOWED to tack on anything extra. I expressed this to XXXX XXXX XXXX and he stated well oh yea we will take {$400.00} and I will take it off your credit within 48hrs. They are sending very threatening emails as well, when I asked for the debt to be validated they refused.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (OH)

On XX/XX/2024 at XXXX and XX/XX/2024 at XXXX, I was contacted by XXXX ( XXXX ) XXXX. When answering the phone both times, one time while I was at work (XX/XX/2024 ), and the other time, during dinner with my family ( XX/XX/2024 ), by a representative from Spring Oaks Capital , LLC. I was also contacted by a different number, XXXX ( XXXX ) XXXX, onXX/XX/2024, at XXXX by a representative from Spring Oaks Capital , LLC . Because I was tired of Spring Oaks Capital , LLC, trying to call and harass me, I decided to call back 6 minutes later, at XXXX, after receiving the XX/XX/2024 phone call. After dialing the XXXX ( XXXX ) XXXX number back, they immediately asked who they were speaking with, after stating that the call may be recorded. I proceeded to tell them that my name was XXXX. I asked representative who answered my call who I was speaking with and she stated that she was from XXXX XXXX XXXX. She then stated that she couldnt tell me anymore information until I told them my last name. I proceeded to tell them XXXX. The female representative then stated that they were attempting to collect debt that I owe from a XXXX XXXX Credit Card. I told the representative that I have never had a XXXX XXXX Credit Card, and that I dont owe any debt. I also proceeded to tell the representative to stop contacting me or that I would both press charges and take legal action if Spring Oaks Capital , LLC contacted me again. The number that they contacted was XXXX. According to Spring Oaks Capitals website, that the representative referred me to, Spring Oaks Capital , LLC is located at Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX, VA XXXX, there phone number is ( XXXX ) XXXX, and there email is XXXX. It is a true and a factual statement that I have never opened up a XXXX XXXX Credit Card Account, and that I do not owe any debit to Spring Oaks Capital , LLC. I am requesting assistance to help stop Spring Oaks Capital , LLC from harassing me any further about a debt that I do not owe.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America representative XXXX XXXX of XXXX XXXX Collection department. Started I owed a wrong amount since XXXX of XXXX when the account was closed but still incurred illegal late fees. Secondly the representative stated that they will continue to report the charge off indefinitely eventhough the federal statute prohibits 5 years to 7 years in the state of New York. The {$680.00} I do not owe and its been illegally reporting on my credit for 7 years. SECTION 380-J Prohibited information General Business ( GBS ) CHAPTER 20, ARTICLE 25 380-j. iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;
Consumer complaint received 2019-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL  XXXX
Consumer complaint received 2015-07-21
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (IL)

On XXXX XXXX, 2015 at XXXX EDT I requested a money transfer using Western Union from within the XXXX website. XXXX website connected me directly into WU 's website. There was no way for me to log into my WU account. 
I thought it would allow me to transfer directly from my checking account to my friend 's bank. I entered the required information on each webpage. Before I realized it the WU screen popped up with a receipt with the tracking number for my friend to pick it up from a WU agent. That 's not what I wanted! I knew my friend would n't be able to go pick it up. 
I immediately called WU to cancel the transfer. The CSR there said, no they could n't cancel it, my bank had to cancel it. 
I immediately called XXXX, the CSR there said they have not way to cancel the transfer on their end. 
I called WU back, the CSR told me, they would cancel it and I would have the funds back in my account right away. 
I kept checking my account online that day and the next day and the next day and the next day ( As of today, the funds still have not been credited back ). 
I called WU again and they said it could take XXXX business days for the refund to show up in my account. 
I called WU again on XXXX XXXX only to be told my bank had to call WU to release the funds. 
I finally got around to calling XXXX today. Had to convince the CSR to call WU. She finally did and then the WU agent said she was n't allowed to have a XXXX call when gave them the cancelled WU tracking number. I had to hang up and when the XXXX CSR called me back she said I could pick up the refund at any WU office. When I asked for the tracking number ( that I know WU requires ) the call was disconnected. I called XXXX back and told the CSR the whole story again, she said she 'd have to put me on hold for XXXX minutes. XXXX minutes later she came back and said she 'd have to keep me on hold a little longer while she looked into the problem. XXXX minutes later the call was cut off, I presume by the bank reaching a time-out limit. 
I called the bank again and demanded to speak to a manager. The CSR then said his supervisor was n't available and can he have her call me back. I said no. I want this resolved, then I recounted the problem. He said the only thing he can do was contest the transaction with WU and it would be XXXX days before I would have my funds back. I then relented and gave the CSR my phone number for his supervisor to call. 
Am waiting for the supervisor to call back right now.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc. (VA)

Receivable management systems have been trying to collect A {$470.00} debt from patient first from four years ago maybe like 4 1/2 years ago they have been destroying my credit they have been reporting two times a week instead of once a month as they should this is ridiculous at this point Id rather them take me to court and try to sue me for it because if I show the judge what they doing is illegal I have tried to dispute it Ive asked them to remove it its past the time it should be on my credit they dont care they do what they want to do I feel hopeless and I really need the debt removed off my credit What happened is I felt stick at work for years ago I went to the doctors at XXXX XXXX they check your insurance to see if its active it was going to expire two days after that visit they said it was accurate the doctor saw me they must have tried to charge the insurance After the two day market and because that is expired and they couldnt get their money this is not my fault and they have been harassing me And now the law has changed They cant put any days on your credit thats less than {$500.00} they recently reported on my credit and up the balance Please resolve this I rather spend {$470.00} on a lawyer than them
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Financial Credit Network Inc (AL)

I initially contacted the creditors to resolve this debt. I provided all necessary insurance information from both my primary XXXX XXXX XXXX XXXX and secondary XXXX XXXX insurance coverages. I was told that they would take care of it and get back with me the following day. I did not get a call back and assumed that insurance had taken care of the bill. I monitored my credit report updates weekly but did not see the debt resolved. A little over a month later I just decided to pay the debt out of pocket. My credit report has showed a balance due of {$360.00}, however, when I called the Financial Credit Network company I  was told the amount due was {$380.00}. I payed the {$380.00} payment plus the convenience fee of {$4.00}. I feel that this was incorrect information. After payment was made by credit card, I received an email receipt that listed my and my spouses address as incorrect. I dont trust that this information will get posted and cleared up correctly. I was told to wait 90 days to verify that things would correctly post. I think a wait of 90 days to verify this is ridiculous.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I applied for a loan modification and was approved for trial payments starting XX/XX/19 for 3 months trial payment, I made all the payments on time and continued to make payments every month after. I was told I would get my permanent loan modification agreement after 3 trial payments but as of yet I have not received anything.. I continue call 2 times a week to follow and was told there is delay, but its been way too long, for past week I have been trying to reach someone at Bayveiw to make my another payment but have not been successful, I leave message and no one returns my call. I have a sale date on XX/XX/19 am very concerned to loose my house, I have people and agents showing up at my door saying my home is going to foreclosure. 

I would like my permanent loan agreement asap and bring my loan current.
Consumer complaint received 2019-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NJ)

On XX/XX/19 my paypal acount was abruplty limited by paypal and they requested documents. Legitimate documents that were requested were provided and thereafter for absolutely no reason my account was placed on indefinite hold with {$1700.00} in the balance. This is is an illegal and unjust hold of funds and is causing me a financial burden.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I submitted an application with Bank of America on Thursday, XX/XX/XXXX and received an email within a minute that the application was approved. I was able to download the Bank of America app from the XXXX app store, access my account and submit a deposit. I was able to submit a mobile deposit approximately 75 minutes after the notice that the account was opened and received an email that the deposit would be received and the funds would be on hold until XXXX XXXX. The next day, XX/XX/XXXX, I was unable to login to the Bank of America app and called the number indicated. The call center employee told me that the account was closed and I would need to go to a Bank of America branch to open a new account and that my deposit would be sent back to me. I went to the XXXX XXXX branch on XX/XX/XXXX and was told that I could not present my ID due to BofA back office being closed on Saturday. A copy of my ID was taken and appointment scheduled for XX/XX/XXXX. Today, I received a call from the branch and was notified that I would need to come into the branch with my Social Security card prior to Saturday due to the back office being closed. At this point I will not be able to open the account as my card is at a different location and I have a job M-F. The branch told me to call a different department at BofA to remove the hold on my account so my funds could be sent to me. I called that department ( XXXX ) and was told that the account would not close until XX/XX/XXXX and that my funds would not be sent to me until that time. So BofA accepted my deposit on XX/XX/XXXX with an expected/disclosed funds availability of XX/XX/XXXX and I will not get my funds back until XX/XX/XXXX or XXXX at the earliest. This has been an exceptionally painful experience and I would never recommend anyone bank with BofA
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.