davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I contacted I C Systems last month via letter sent on XX/XX/XXXX, which they signed for on XX/XX/XXXX. I have proof of my communication with them and they have not responded within the 30 day mark. I requested viable evidence of the account they claim I owe. They are reporting negatively on my credit reports without proving the account is in fact mine, which it is not. I have attached my proof of communication with them.
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 — Reporting company used your report improperly
Company: Synovus Bank (AL)

I was un rightfully denied credit under title '' 15 subsection 16:11 '', " false and misleading denial of my own credit '' USC code 15 16-11. I formally request written response in 72 hrs, or I would like to speak to the underwriter of this account. Thanks
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account completely from my Credit Reports : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Despite writing two letters to XXXX XXXX to correct my payment history across my three credit cards, they continue to report no payments for XXXX and XXXX 2015 on my credit reports despite my evidence that this is inaccurate. I am enclosing a copy of the electronic payments made for these dates.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (CA)

I have requested for substantiation of this debt and instead of verification documents I received more bills. I contacted my hospital clinic where they confirmed, I have no outstanding bills. Progressive Management Systems has not provided any proof of the debt and instead continues to report me as delinquent, which is impacting the ability for me to get a mortgage loan. Please help me!
Consumer complaint received 2019-03-02
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: Paypal Holdings, Inc (VA)

I purchased this ring on line from XXXX. On line price was {$20.00}, I was charged unit price {$16.00} on XXXX receipt ( attachment 1 ), charged on PayPal $ XXXX % tax = {$17.00} on XX/XX/XXXX. 
I returned the ring on XX/XX/XXXX because I did not like how it looked on me and it felt too thick and not comfortable. ( see attachment 2 return receipt ) On XXXX order status ( attachment 3 ) it list item as Shipping Status : Return. This is correct, the item is returned. 
Attachment 4 is XXXX return receipt for the item. It shows my item as returned and credited at {$20.00}. XXXX refunded my momey to PayPal, but PayPal did not refund my money to me. 
I filed the dispute with PayPal on XX/XX/XXXX. PayPal denied my request for money refund, I never quire understood why. Pay Pal does not have a call number to call or email, and I had to follow their process to request my refund money. 
After I was denied a refund, I appealed the case with PayPal, and on XX/XX/XXXX I was informed that We reviewed your transaction ( s ) and are denying your case ( s ). This decision was made because we never received documentation that proves you are due a credit. ( attachment 5 ) In summary, I should be given my money back from PayPal. I retuned the item and was given a receipt of return from XXXX. I was given a copy that XXXX refunded my money to PayPal ( attachment4 ) PayPal is refusing to give me my money they state they never received documentation that proves that I am due this credit. 
Can you please help me and recover the {$17.00} from PayPal? 
Should you have any questions, please let me know. 
PayPal Dispute Case ID : XXXX Transaction Amount : $ XXXX Dispute Amount : $ XXXX Transaction XXXX Transaction Date : XX/XX/XXXX XXXX
Consumer complaint received 2018-03-23
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. (CA)

In correspondence dated XX/XX/18 I sent this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. This is the frivolous account ; XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2017-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CA)

This company is a joke. It does not show me my balance amount as of each transaction. Every other company does this, XXXX XXXX and XXXX XXXX XXXX except this. For example, I have {$1000.00} balance, spend {$3.00}, the balance should display as {$1000.00}, and so forth on each transaction line. Show the balance amount on each transaction line. Have a manager call me back and fix the problem. 
This is an easy problem, fix it, and stop acting like a bunch of boring guys in suits, and do your job. Please have high end technology director call me up. I do XXXX XXXX for a living.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX PL XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$720.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia To : XXXX XXXX  XXXX  XXXX XXXX for XXXX XXXX XXXX XXXX : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and CAPITAL ONE BANK USA N.A is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for XXXX damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had suspected Fraud on my checking acct.

It was suggested by the representative that I open a new XXXX  acct. Linked to the old acct. 
I opened the acct I was also told that the Bank Representative from the Fraud Department will always have to transfer the funds. I was told they're open 7 days a week 24 hrs per day. 

I've been making these transfers past 3 months no problem. Today I called to transfer my money I was told that Department is closed and they are the only Department that can transfer the money. Last month I didn't have this problem. So this policy changed and Bank of America neglected to inform me. Now they're holding my money and telling me sorry. 

I need my money today, I never received a email or anything.
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (CA)

Hello, This is a complaint against Wells Fargo and their credit Card Services. Wells Fargo illegally opened a credit card for me on XX/XX/XXXX and my identity was stolen erroneous charges were made to the card causing me financial hardship as a newly XXXX year old with a minimum wage job that was never able to recover from. I went into a branch and made them aware of the charges and they told me I had to pay them here was nothing they can do. This event caused me to sink into a financial debt i never recovered from until this card was charged off in XXXX. I submitted a fraud claim they never fully investigated at the time and now on XX/XX/XXXX they send me a letter saying that after further investigation that they were wrong and that I WAS a victim of identity theft reimbursing me the funds that were erroneously charged to my credit card years prior that put in SUCH a financial constraint I was never able to recover from and ultimately caused my credit card charge off in XXXX.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (GA)

I received a XXXX prepaid card from XXXX XXXX for overcharges on my account when I closed out the account in XXXX. The XXXX card is issued by Citibank , N.A . pursuant to a license from XXXX XXXX XXXX. The amount of the card balance was around $ XXXX {$16.00}. The card number is XXXX, security code XXXX, with an " good thru '' date of XXXX ( XXXX XXXX ). 

On attempting to use the card in XXXX XXXX and XXXX XXXX, it was rejected at purchase site ( s ). I called the toll-free number for customer service on the back of the card, XXXX. The Citibank customer service agent told me that the card had a {$0.00} balance because after 3 months the bank starts automatically deducting {$5.00} on the first of every month from the card balance for maintenance fees. Therefore, the entire balance was eliminated in maintenance fees. I explained that no where on the card did it explain this feature of the card and any card-holder would be unaware. Nice way to make generous profits for Citibank. The agent explained there was nothing that could be done except discard the card as it was no good any longer. So I lost the entire amount of the card due to Citibank not explaining to the cardholder the maintenance fee associated every month. Gift cards should not have maintenance fees or " GOOD THRU '' dates if that is the policy to erode the card balances with fees. It is really not GOOD THRU any predetermined date. 

I believe this is a very, very unethical practice and should be stopped or make Citibank pay a substantial fine for unethical behavior to consumers. It is really theft by deception!
Consumer complaint received 2017-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

The following attorney group has been making consistent false attempts to collect a credit card debt for the following, ( Portfolio Recovery Assoc, LLC ) which is no longer due/relevant. The amount they are attempting to collect by harassing false letters and phone calls is past The statute of limitations in Illinois. 
This firm has been contracted several times before by your Consumer Financial Protection Burea, but yet they continue to harras me by mail and phone. 
Please assist me in this matter and make this firm stop harassing me, please. 

XXXX and XXXX at XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IL)

In XXXX of 2006, We attempted to refinance our home. I was asked to provide check stubs and did so showing my accurate monthly income of {$2500.00} per month. Instead of verifying my income, XXXX  XXXX/Wachovia/Wells Fargo generated an application via their computer system indicating that I was making {$8000.00} per month plus my title was changed from Analyst to Vice President. So without my knowledge, of this fraud, they approved me for a loan that was already illegal to sell to consumers in Illinois ( XXXX mortgage ). Then, they took out a default insurance policy in anticipation of my default. I was also unaware of this policy until I was contacted by XXXX XXXX, advising me of this default policy. They first stated that it was illegal for them to take out a policy without my knowledge. Then they advised me that the bank had put through a claim but was denied because they did not following the federal underwriting guidelines. I also have a letter indicating this from XXXX XXXX XXXX ( the default mortgage insurance company ). One year later, the bank used the same exact application indicating my monthly income of {$8000.00} to open an equity line in the amount of {$35000.00}. Firstly, I am not aware of such equity line. There is no proof of funds distributed. Incidentally, there is no proof of any closing for either loan. We also put in about 6 or more complaints to the Consumer Financial Protection bureau. Each time, they lied about the findings. They denied all allegation, claiming they did nothing wrong when the proof was provided. Even though, I provided a letter from XXXX XXXX, they deny any such policy. They even ignore the fact that the same exact application was used a year apart. The notarys signature is also on a blank piece of paper and is dated 1 day after the loan. The mortgage shows about 6 title companies. I contacted each title company and none have any recollection or information about any closing. They all state that there was no such closing on their books. Also, a recent title search shows that I do not have a mortgage.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (NY)

On XX/XX/20 I went to Keybank on XXXX XXXX XXXX XXXX NY to open a checking account. I received a flyer in the mail that if I opened a new checking account with Keybank they would give me a {$400.00} bounus. After they made a profile, they started to open an account and told me that thei was a problem with my XXXX   account. They told me to call XXXX and would not open an account until the issue was resolved.. The XXXX report had no issues except that on the same day Keybank tried to open my account they put an incorrect address in my profile. I contacted Keybank and they told me they would work with an Executive Lead to get the XXXX error removed. I did not hear back and asked that the branch manager get involved. I still have not heard back from them and they do not answer my emails anymore. 

The 2 issues are : Keybank put an invalid address in my profile which I need corrected Keybank is not honoring their {$400.00} bonus..
Consumer complaint received 2017-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Total Card, Inc. (SC)

I had some payments to be returned. Those fees etc were included in the payment when my payment that went through was made. I waited the 14 days as laid out in the agreement. When I called to find out what the situation was, the representative told me that there was a 30 day hold to the account as stated in the agreement. I asked her to show me where it stated that. She advised me that it was not there, but it was something we should just " know. ''
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (WA)

Cash App is forcing me to pay {$5.00} or {$50.00} to obtain a new debit card even though my old one expired. I must " order '' a debit card ( " Cash Card '' ) to be able to spend the balance on the {$30.00} Cash App XXXX XXXX for XXXX that I received. Cash App refuses to refund the gift card value to cash, and also refuses to issue a free replacement debit card, even though their website clearly states that " The XXXX XXXX is a free, customizable debit card that is connected to your Cash App balance. '' There is no free way for me to obtain the card.
Consumer complaint received 2022-09-08
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. (TX)

I am disappointed by the actions taken by the Credit Reporting Agencies and continued reporting the disputed accounts without providing me copies of proof of verification for the accounts the Credit Bureaus claim as verified. I conducted a research with my Credit Report and noticed that : 1 ) there are accounts reporting late payments on my Credit Report even though it is clear that I never missed a payment ; 2 ) there are closed accounts reporting late payments even though the accounts are closed and the balance is 0 ; 3 ) charge off accounts reporting balance or accounts reporting even without my knowledge ; and 4 ) there are accounts reporting on some Credit Bureaus even though it was deleted from the other Credit Bureaus. I am submitting this CFPB Complaint to request that the accounts be corrected and or deleted : XXXX XXXX XXXX XXXX XXXX Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2017-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

I contacted nys hesc about my student loans, back in XX/XX/XXXX, at this time i was told upon making my sixth payment it would be reported to the credit bureaus as paying as agreed, I have contacted the credit bureaus, XXXX, XXXX, & XXXX with letters sent by certified mail and still to this date I have a duplicate account amount of {$20.00}, XXXX, which shows twice as making me owe XXXX, I just had XXXX pull the report yesterday and it shows duplicate accounts, nyshesc has yet to respod back to me about this duplicate account and updating the report when I began making the monthly payments of {$68.00} as requested, I phoned the nyshesc on XX/XX/XXXX for an update on my payments and was told they do not report payments I sent a letter on XX/XX/XXXX to the agency I have not received a response, Im asking that the duplicate amount be removed of my credit report and payments as agreed be reflected. thank you
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I noticed today that my BankAmericard MasterCard was closed while online. I looked at my card and the expiration date states that the card is valid thru XX/XX/XXXX. I called Bank of America customer service and was told the account closed on XX/XX/XXXX. I stated I did not receive a notice that the card was closing - and ask why they closed it. The customer rep stated it was closed due to lack of activity. I asked again why I was not notified and was told that according to her records, I was notified in XX/XX/XXXX. 
I never received the notice - and how can they close an account without my knowledge? and before the card expired? 
The rep said she was sorry -- good thing I didn't try to use this card today - it would have been embarrassing.