davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-04-18
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (IL)

On XX/XX/XXXX I noticed that my credit card statements were incorrect giving the fact I have never been able to access my credits but on my credit card billing statement its showing that I have been accessing my credits which i false statement chime has been sending XXXX XXXX XXXX  false statements i the consumer has never authorized anyone to access my credits without my authorization but the credits are still being processed. Every time I ask chime to investigate they come back with no error found I also have ask them to send proof of the signature card information which they have yet to send those documents
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX, a debit card was declined during a transaction. I checked the bank app and saw a list of unauthorized withdrawls from an unknown person citing it as a XXXX account. After speaking with XXXX, these were not transactions through their system, this was someone posing as a XXXX transaction. 

I called my bank and opened a dispute immediately. A total of {$2900.00} was withdrawn from my account and my balance was overdraft by XXXX dollars. 

I was told a new debit card would be provided. As of this writing I have not received it yet, likely due to Monday 's bank holiday. 

On XX/XX/XXXX, I received a call on my cell phone from someone pretending to be with my bank 's fraud division and started to openly speak with him as I thought he was calling about the recent incident. He was telling me about new transactions against my account and confirming if I made them while I looked online and saw no issues with the account. I got suspicious and asked for information. He told me he could walk me through getting a refund if I went on my app. At this point I told him I would need a number to call him back and he hung up. 

I believe these incidents must be related. 

I have also filed a police report and put fraud alert on credit reports. 

My bank did not flag a succession of incremental withdrawals and said they can take up to 10 days to replenish my account.
Consumer complaint received 2020-05-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

I have been contacting this company for over a year to confirm the debt. The company has refused to provide any type of debt validation. They have also lied in reference to what the debt was for, as they stated it was for an eviction but Ive never been evicted. I have also disputed this with the credit bureaus with no success or validation being provided. After placing a cease and desist on my account I still received calls from this company. They refuse to escalate my request and are very abrasive. The debt is for {$2400.00} and I have no clue where this amount is coming from.
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

Affidavit of XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX. 
XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, cc : Pennsylvania Attorney General XXXX cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
Consumer complaint received 2017-10-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Credit Analysts of MN, Inc. (MN)

I received a letter from Professional Credit Analysts of Minnesota alledging that I owe a debt of XXXX to XXXX XXXX XXXX. This letter was dated XXXX/XXXX/XXXX. I decided to respond in writing as I need validation and verification for this alleged debt. Today, XXXX/XXXX/XXXX I received a call from someone who identified himself I believe as " XXXX '' I believe he said. His name was hard to catch because he was talking fast in the beginning of the call. He stated that he was calling in reference to this debt. I said " ok '' and he gave me the amount. I said " I 'll be responding in writing '' He started yelling at me, he said " We are a collection agency your writing wo n't do anything! '' I again said, " I 'll be responding in writing ''. Then he yelled again and said " So are you refusing to pay me?? '' I again said, I 'll be responding in writing, thank you for your call today. '' and I hung up. I thought that was very unprofessional the way he yelled and that he used the language " are you refusing to pay me? '' since clearly if I do owe this debt it is to the company he represents not to him personally. How can he say my writing will do nothing when the letter they personally send says things like " If you request this office in writing within 30 days after receiving this notice ... '' Completely rude and blatant harassment!
Consumer complaint received 2016-05-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC (CA)

This refers to Consumer Financial Protection Bureau complaint # XXXX. 
I have sent all required documentation to Shellpoint as of XXXX XXXX, XXXX. I have asked Shellpoint through a XXXX XXXX XXXX ( at XXXXXXXXXXXX ) if anything else is required for the Modification review. As of today 's date, XXXX XXXX, there has been no response from XXXX XXXX with Shellpoint. 
Today I filed the attached complaint with the XXXX related to their settlement with XXXX in XXXX XXXX. 
Please help me get an affordable Modification for my Mortgage
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Synovus Bank (NC)

On Friday XX/XX/2020, I called the phone number twice for the EIP card I was supposed to receive, XXXX ( XXXX ) XXXX around XXXX. Both times I was unable to get someone on the phone and I was also unable to get help. 

My card was sent to the wrong address, something I wasn't aware I needed to fix until slightly too late since I did use direct deposit and electronic payment for my taxes. I moved to a new address and am unable to get the card from the new tenant for whatever reason. I also want to put a hold on the account which I can not do because when I tried to call I was told to get an account number and call back by the operator voice. I also was unable to report it lost because I haven't received it for the same reason! I did try going online but I have the same problem, no card, no way to get it.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (PA)

The payment information that Mr. Cooper has listed on my credit report is not accurate. I have been reported delinquent by Mr. Cooper from XXXX XXXX XXXX through XXXX XXXX  XXXX while going through a loan modification. I am reported as being 120 days delinquent on my mortgage payment. 
In XX/XX/XXXX XXXX  referred me to XXXX XXXX XXXX for mortgage help as I was struggling due to lost wages, rising costs, health issues, and my daughter 's mental health costs. XXXX recommended I request a Loan Modification through the CARES ACT in XXXX XXXX XXXX. XXXX XXXX walked me through the process of requesting this modification. XXXX called Mr. Cooper with me on the line to help clarify why I would qualify for this modification under the CARES Act. I received the paperwork for the modification at the beginning of XX/XX/XXXX. The paperwork clearly stated to make 4 payments of XXXX over the next XXXX months. I contacted Mr. Cooper and XXXX several times to clarify and make sure I was doing the right thing and would not mess up my credit. I was instructed to follow exactly what the loan modification letter stated to the letter. I made my 4 payments of XXXX on these dates : XX/XX/XXXX, XXXX, and XX/XX/XXXX. ( I received final approval paperwork in XXXX which I signed/got notarized and returned to Mr . Cooper. ) While I waited for the finalization of my modification I made 2, {$1000.00} payments on XX/XX/XXXX and XX/XX/XXXX. By XXXX the modification paperwork was finally approved ( NOTE : Mr. Cooper re-sent the modification paperwork to me in XXXX. They said I didn't need to have the document notarized. I called Mr. Cooper from the notary and a customer service rep spoke with the notary and told them where to notarize the document. Mr. Cooper stated that by having the document notarized I had defiled the paperwork and it was no longer valid. I had to re-submit all paperwork again. ) Mr. Cooper had been reporting me as delinquent on my account during this entire time this delay only added to their delinquent reporting. I made a payment of $ XXXX on XX/XX/XXXX. 
I was told this would not impact my credit. It was my understanding that I qualified for a loan modification under the CARES Act. That is what XXXX and I had discussed when requesting the modification with Mr. Cooper. I made all of my payments on time if not a day or two early. I have all the banking statements to prove this. I've sent them to Mr. Cooper and several credit reporting agencies. Mr. Cooper has further dinged my credit report adding additional months late?!?! 
I am asking that my credit report be updated to reflect my payment history including the grace I was promised through the CARES act. I could not work my second job, had a XXXX XXXX, was struggling with the rising costs of everything and my daughter mental health plummeted during Covid and her care was costly.
Consumer complaint received 2021-04-21
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 reached out to the 3 credit bureaus because there is information on my credit report that is inaccurate. 

There are several names and addresses on my report that are not mine. 

There are also 3 accounts on my report that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX I have filed several disputes regarding these matters and have not received a resolution. Having incorrect names and addresses associated with my public record makes me susceptible to identity theft. 

Please help in having these items removed from my credit report immediately.
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OK)

On XX/XX/2019 I called CITI Best Buy card to inquire about my ongoing payments on an account I had with them. I have had the account over 2 years. I would use the account for no-interest purchases but I always had {$100.00} a month taken out as an autodraft. This was been done for 2 years. In fact, I know each month when it will be taken out and I can see it on my statement. 

We move from XXXX to XXXX in XX/XX/2019. XXXX XXXX has been my bank account for 10 years. There is not a XXXX XXXX  here, but I placed enough funds to run the rest of the bills through and then call to change accounts. When I called CITI-Best Buy I was told that my account was past due and that I was being reported on my credit. 

They said the XXXX payment was returned NSF and that I had not paid the XX/XX/XXXX payment because of this. I said I never knew it was returned and asked how they had contacted me over this. I showed on my account where it was paid and the account is now closed so I can not view it. 

When I questioned they said even though I get electronic messages, that none had been sent out in regards to this because their system doesn't allow that type of message. I asked about calls. He said he saw once in 60 days a call had been placed to my phone number but it showed " No Contact '' was made. I very much question the truthfulness of that. Then I asked how about mail? I have all of my mail forwarded from my XXXX XXXX XXXX . He said the system shows that it went into my account and " Updated '' my address with a new address that I did NOT authorize and it was INCORRECT. So their computer updated an incorrect address and I was not recieving any physical mail from them either. 

So they could not email me, due to their error not mail me, nor had to contacted me via the same phone number they have had on file for 2 years. But yet I am supposed to know the payment was returned and make a new one from my new bank account. This is absolutely the dumbest thing I have ever heard. 

I told him I wanted the account paid in full and closed on the spot. I told the rep I was reporting them to the CFPB and he chuckled. He said it was their decision to report or not and that the CFPB couldn't reverse anything. I am furious for this action on CITI Best Buy and I believe they should be held fully accountable. 

No consumer should use this company or be subjected to their ways. This is an example of taking total advantage of a customer, lowering their credit score and forcing them to pay higher than normal interest due to their maleficence.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Duvera Billing Services, LLC (TN)

I was trying to go up for a house, I was denied due to this being on my credit report. They have multiple inquires on my credit report. My information was taken in 2022 due to someone car broke into my car at work and did multiples things with it.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (CA)

Credit Karma notified me that I had been preapproved with high odds of approval for new credit cards in which I then went and applied providing all Necessary personal information only to be denied which then resulted in a negative impact to my credit score knocking me down points and acquiring unnecessary hard inquiries on my credit. I saw that there has been a lawsuit brought against credit karma for this exact thing. I would like to apply as a victim of this situation.
Consumer complaint received 2022-03-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I am a victim of identity theft. I am very upset that my personal information was used without my consent or knowledge. I have requested in writing to the credit bureaus that they remove these unauthorized inquiries.
Consumer complaint received 2019-10-26
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)

I sent three letters to XXXX, Experian and XXXX with the third letter being sent on XX/XX/2019 without receiving a response from either bureau and it has now been well over 30 days it has been fifty days to be exact I requested that all three bureaus correct the inaccurate information on my credit report which they still have not done as of todays date. I also requested original contracts and signatures which I never received,
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I admit I don't understand ... I am under the impression that there are ( 3 ) three credit reporting agencies. TRANSUNION, XXXX, and XXXX? 

I have received reports from two ( 2 ) of these agencies XXXX   and XXXX BUT not from TRANSUNION. 

Am I wrong in assuming there are 3 agencies? that offer free credit reports once yearly??? 

Why can't I get a report from TRANSUNION? Can you help? 

MAILED TO ME :
Consumer complaint received 2019-10-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Coastline Financial Resources, LLC (CA)

On XX/XX/XXXX and XXXX, XXXX, an individual called my employer and spoke to a colleague about a " pending lawsuit against me '' and they needed to " reroute legal papers that were being served to me. '' After the first instance, I told them to not contact my employer again. They contacted my employer a second time, where I again stated that were to not contact me at my place of employment. The person who left the message was named " XXXX XXXX. '' I spoke to someone called " XXXX XXXX, '' who then sent " legal documents '' to my email address. It is a debt collection notice for a debt that I do not owe. It is from XXXX and is not on my credit report. The original creditor had sold the debt years ago. This company, going by " XXXX and XXXX, '' is also known as XXXX XXXX XXXX and XXXX XXXXl XXXX/XXXX XXXX XXXX. They have three different addresses and numerous telephone numbers. I attempted to reach out to one of them and it was answered by a law firm called " XXXX XXXX XXXX XXXX. '' The receptionist mentioned she receives numerous phone calls from people trying to contact XXXX XXXX XXXX XXXX. The number for XXXX XXXX   XXXX no longer works. 

Additionally, I have sent out " cease and desist notices '' via email and certified mail to all three companies. I spoke to XXXX XXXX on XX/XX/XXXX, after she called my cell phone, and informed her that it is not my debt and they need to stop contacting me. She again threatened to have me served at my place of employment.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (CO)

I recently made some transfers from my USA checking account to my account in XXXX using the online money transfer service, Wise. Although the money arrived in my XXXX account without any issues, I noticed that the currency in dollars was not deducted from my USA checking account. 

However, when I tried to contact Wise to resolve this issue, I found out that my account had been blocked without any prior notice. I was waiting for them to deduct the money from my checking account, but now I am unable to access their chat support or reach them over the phone. 

This problem is causing me a lot of inconvenience as I need to pay my bills in XXXX, and it is affecting my credit score. I have been using Wise for almost XXXX years without any issues, so this situation has left me feeling unfairly treated.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I have ( XXXX ) separate Estate checking accounts with USAA that I established as the Executor of both estates. Both accounts have had {$0.00} balances for months and months. There are no outstanding transactions. I have sent a letters to USAA asking that the accounts be closed. I have tried on the phone multiple times to close the accounts. I keep talking with ill informed and incompetent people who keep saying there is missing documentation, but they can't tell me that means nor can they provide me what documentation is missing. 

The first account is titled is The XXXX XXXX XXXX XXXX, # XXXX. 

The second account is The XXXX XXXX XXXX account, # XXXX. 

I have talked with banking representatives and I have talked with customer relations representatives. Thus far the only thing that has been accomplished is to increasingly raise the level of my frustration.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

These companies : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX  are inquiries on my credit report that was not authorized to run my credit whatsoever. They never had permissible purpose. Equifax will not remove the inquiries and told me they will not dispute them!
Consumer complaint received 2022-03-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am a victim of identity theft. I am very upset that my personal information was used without my consent or knowledge. I have requested in writing to the credit bureaus that they remove these unauthorized inquiries.