davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

There were multiple fraudulent charges on my Capital One credit card on XX/XX/XXXX and XX/XX/2019. Capital One reimbursed me for all but one. It was a duplicate charge for {$460.00} on XX/XX/XXXX. I disputed the charge with Capital One and it was denied. I also contacted XXXX  and they referred me to Capital One. Additionally, I submitted a letter to Capital One on XX/XX/2019 detailing their error. 

Documentation provided by XXXX  shows that products were picked up in XXXX XXXX, XXXX and XXXX, NY. I live in New Jersey in the vicinity of 3 XXXX stores. Why would I travel to New York to purchase and pick up products? This was clearly identity theft.
Consumer complaint received 2024-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (SC)

I am writing to file a formal complaint against Synergetic Communications regarding their unfair reporting practices to the credit bureaus, specifically concerning a debt that was previously in dispute with XXXX XXXX XXXX. 

In XX/XX/XXXX, I received communication from XXXX XXXX XXXX  regarding a debt purportedly from XXXX, which I had no record of. Given that the statute of limitations on legal action for collection had already expired, I found it concerning to receive such communication for the first time without any prior notice of the debt over 3 years. Over the following six months, I diligently disputed the debt with XXXX XXXX XXXX, requesting proof of the debt as per my rights under the Fair Debt Collection Practices Act. Despite my repeated requests, XXXX XXXX XXXX failed to provide any evidence substantiating the existence of the debt. 

Finally, in XX/XX/XXXX, XXXX, one of the major credit bureaus, removed the disputed debt from my credit file after recognizing the lack of evidence provided by XXXX XXXX XXXX. However, to my dismay, in XXXX of XXXX, I received notice that Synergetic Communications had reported the same debt to the credit bureaus without any prior communication or affording me the opportunity to dispute the debt with them directly. 

This blatant disregard for due process and failure to adhere to fair reporting practices by Synergetic Communications is deeply concerning. Their actions not only undermine consumer rights but also perpetuate a cycle of financial distress and unjust damage to credit scores. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Synergetic Communications for their deceptive and unfair reporting practices. Consumers deserve transparency and accountability from companies entrusted with handling sensitive financial information. 

Thank you for your attention to this matter. I look forward to a swift resolution and your assistance in rectifying this unjust situation.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (TX)

On XX/XX/2020 I received a welcome letter from XXXX XXXX. That letter mentioned a new credit account opened in my name. However, I have not made any purchases of XXXX equipment nor applied for any financing with XXXX XXXX or any other financial institution in years. I attempted to call ( XXXX ) XXXX phone number, included in the letter, but could not get through. After automated greeting, my calls went to hold, where they remained for over two hours. I have made a few attempts, patiently waiting 2 2 hours on hold each time. On XX/XX/XXXX, I filed a police report for an identity theft case and opened a case on FTCs IdentityTheft.gov site. I have sent a US Certified Mail package to the XXXX XXXX Customer Service address, provided in the welcome package : TD Bank N.A. 
XXXX XXXX XXXX XXXX, NJ, XXXX XXXX Due to the problems with USPS Tracking system during the month of XXXX, I have sent another copy of the package to XXXX XXXX/TD Bank, once again asking them to close the fraudulent account and send me a written confirmation that I am not responsible for charges on this account. I have enclosed all documents available to me at the time to help XXXX XXXXTD Bank to investigate this case. First package was delivered to XXXX XXXX/TD Bank on XX/XX/2020, second copy was delivered on XX/XX/2020. 
I hoped that thanks to my prompt actions, XXXX XXXX/TD Bank could trace the shipping address of the online purchase that was financed in my name, and turn thieves into police custody. 
A week or so later I received a statement, showing an online purchase and financing of 3 ( three ) XXXX cell phones for the total amount {$4000.00}. 
It has been about 4 weeks, since XXXX XXXX/TD Bank received my letter and all supporting documents. For some reason I have not received any response from XXXX XXXX/TD Bank. Reaching their customer service over the phone is not possible. I spent hours and hours on hold trying to reach a representative, with no success. Today I received another statement, showing the original {$4000.00} balance and {$110.00} late fees, so apparently XXXX XXXX/TD Bank is not looking into this case.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

On XX/XX/XXXX, 2 different news outlets reported that my credit union was forcing members into a premium account and they wanted to avoid people closing accounts so the credit union was sending letters and emails in rounds. You have to meet 3 requirements to keep your current free account and during a pandemic this is very hard for most households. If you don't keep up their requirements, the account is forced into the premium version and you have to pay. 

I called to ensure my account wouldn't be moved to a premium and I was harassed and told I couldn't trust the news and to just wait until my letter arrived. 

I was very clear I didn't want to be forced into premium and will be moving accounts elsewhere. I was then placed on hold until the agent hung up. 

This is wrong. I shouldn't have my accounts moved without notice and be forced to pay for something I don't consent to.
Consumer complaint received 2019-06-06
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)

In XX/XX/2019, I started a credit monitoring service as I wanted to see what mas reporting on my credit.I am considering purchasing a car at this time and had been previously made aware of a security breach involving my personal credit file. I found the following erroneous creditors listing on my files 1. XXXX XXXX XXXX XXXX {$250.00} 2.XXXX XXXX {$1200.00} 3. XXXX XXXX XXXX {$350.00} and {$400.00}. There are unauthorized credit inquiries from XXXX XXXX XXXX and XXXX/XXXX also listed.
Consumer complaint received 2017-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

We mailed our rent check to our landlord on XXXX XXXX XXXX. On XXXX XXXX, XXXX a different, unknown woman cashed our rent check at a XXXX XXXX XXXXXXXX, after she scratched out our landlord 's name and listed her own name in the payee line. We did not learn of this until the end of XXXX when our landlord told us he did n't receive payment. We looked up the check and say from the photo of the deposited check that someone has stolen our rent payment. The landlord then forced us to pay him immediately. We sent an affidavit to Chase describing all of this with the check photo on XXXX XXXX, after calling them. Since then they have learned it was a woman who cashed the check at a XXXX XXXX XXXX branch. They are refusing to refund our stolen money until 90 days from when we reported the loss. They are refusing to contact XXXX XXXX XXXX XXXXo in any way expedite XXXX XXXX XXXX XXXXs action to reimburse them. Still, as Chase customers, we should not be out this money. They should insure us from thieves. Otherwise, what is the point of a bank account. We would have been better off keeping cash in the mattress. We also filed this case as a XXXX crime.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Credit Card Date opened : XXXX XXXX Account Type : Credit Card Balance : {$430.00} I have no knowledge of this account and would like this account to be removed off of my credit report. I discussed to to Capital one account but there was nothing done about this issue. I never opened this account or used this account. I disputed this account but nothing was done.
Consumer complaint received 2019-06-06
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. (VA)

I have had issues with unauthorized accounts being opened in my name and have been back and forth with numerous creditors in an effort to resolve these issues. More recently, I finally was able to prove to the creditor that the debt was in fact not authorized and it resulted in the creditor removing the accounts from all reporting agencies except for Transunion. Not only is this account still present on my report after it was removed from the other two at the request of the creditor but the account is being reported as derogatory and it is indeed not a derogatory account, just an unauthorized one. Additionally, I request on numerous occasions all remarks on this account be removed, and yet all things remain. 

The account in question XXXX : XXXX Opened ; XX/XX/2014
Consumer complaint received 2019-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (CA)

The bills from XXXX XXXX Loans has a section called " explanation of amount due '' and it is always blank with all zeros, so I can't verify the principle and interest charged. I have called a couple of times and told them that their bills list all zeros on explanations of amount due. They said it was a programming error and that they would fix it. They've also said somebody would get back to me, but they never do. Its been over a year and they still refuse to send me a bill with explanations of amount due. I want to be able to see and track what I'm paying.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Total Card, Inc. (AR)

XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX CHARGED OFF DUE TO COVID 19. THEY SOLD MY DEBT TO XXXX PARTY COLLECTIONS WITH NOTICATION TO CONSUMER AS REQUIRED BY LAW. AND ARE STILL REPORTING ON MY XXXX CREDIT REPORTS.THEY SOLD XXXX XXXX TO XXXX XXXX XXXX XXXX AND XXXXT XXXXXXXX XXXX XXXX XXXX THESE APPREAR TO BE INSURANCE PROTECTION COVERAGES GUARANTEED MY ACCOUNT.
Consumer complaint received 2020-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (NJ)

On XX/XX/2020, I, received a collection letter from XXXX XXXX XXXX XXXX, trying to collect on an alleged debt with current creditor : Crown Asset Management , LLC, from an alleged original creditor : XXXX XXXX XXXX XXXX I never had anything to do with XXXX, neither Crown Asset Management and/or current collection company. I do not recognize this debt, I have no other reason but to believe that I am a victim of Identity theft, the debt is not mine.
Consumer complaint received 2021-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On the XXXX of XXXX I filed a claim in relation to this security breach that may have involved my information being compromised. I spoke to Bank of America related to the issue and filed a claim on the said date. I wanted to be positive before going through with the claim so I cancelled the claim on the XXXX of XXXX. I made contact with Visa and after getting inconclusive information from Visa I then reached out to the Bank of America to refuel the claim. I was told a temporary credit would be applied to the account within 7-10 business days and it has been over that allots amount of time. I called yesterday on the XXXX of XXXX and a supervisor told me that she was going to escalate the claim to receive a temporary credit on the claim and I never received the credit. The call was recorded and I am requested that the agency look into the matter so that I can recover the credit promised to me.
Consumer complaint received 2019-06-06
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (TX)

On Monday XX/XX/2019. Navient went as far as to contact a friend of mine and ask where I was and if they would deliver a message to me. This was embarrassing and caused much confusion. They are not to call anyone that they do not have my permission. They also went as far as calling my neighbor!!!!!!!!!!!!!!!!!!!! I asked them to stop over and over. They continue to harass me and hope they will not contact anymore acquaintances.
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I requested a balance transfer due to a 0 % APR offer from my BBVA credit card to pay off my XXXX XXXX credit card for {$890.00} which posted to my BBVA credit card on XX/XX/XXXX. A few weeks later, I noticed XXXX  XXXX had not been paid and contacted BBVA. They told me to allow up to 30 days ( absurd ) for XXXX XXXX to receive the funds. I waited 2 more weeks and contacted BBVA again to let them know XXXX XXXX was still not paid off. They opened a ticket to do research and found that the balance transfer was sent to XXXX. I DO NOT have a XXXX  account! After another month went by they said once they contacted and received the funds back from XXXX, they would credit my card. I have contacted BBVA several times in the last 4-5 months that this has been going on, on numerous occasions and I keep explaining every time and am getting the runaround. Today alone XX/XX/XXXX, I have contacted them 6 times and spoken to 5 people, twice got disconnected, so would have been 7. I have been paying on 2 credit cards, XXXX XXXX with interest for 5 months for no reason. I should only be paying BBVA. Now theyre telling me to contact XXXX  which I did like an XXXX knowing they couldnt help me because I dont have an account with them. One of 2 things needs to happen as Ive explained to BBVA today, one, my BBVA credit card needs to be credited or two the transfer needs to be sent to XXXX XXXX like what was supposed to happen in the first place. Oh, and by the way, I have had a few ticket # s which they always seem to close. They closed one today and opened another upon my request. PLEASE HELP!!!
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (VA)

Because I can now afford to do so and with the belief insurance of any kind should only be used in a catastrophe, I believe selecting the highest deductible possible makes the best economic sense. I recently increased my deductible for my rental property to the maximum XXXX insurance offers to {$10000.00}. Soon thereafter Chase, the mortgage holder informed me, and I quote " your insurance deductible is higher than the maximum we are allowed to accept ''. Please see attached letter from Chase. I called to Chase to inquire about this and after several minutes and switching from many departments, Chase said the letter is only a " suggestion '' and I will continue to get these letters.

1. The wording is misleading in that I felt I was required to lower my deductible, which is untrue.

2. I do not want to keep getting these letters. 
This is a misleading and unfair business practice.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (MI)

In accordance with the fair credit reporting act XXXX XXXX  account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have to privacy 15. U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the fair credit reporting acXXXX XXXX XXXX XXXX # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have to privacy 15. U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the fair credit reporting act XXXX BANK account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have to privacy 15. U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the fair credit reporting act XXXX XXXX account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have to privacy 15. U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the fair credit reporting act XXXX XXXX XXXXccount # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have to privacy 15. U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-31
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

my mortgage was put on a forbearance .and they are reporting on my credit report that I am 5 month late.and they trafer my or mortgage to another mortagage compy name midland mortage and they been sending me threating letter of forucloser.
Consumer complaint received 2021-05-02
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)

I recently sent two letters to Transunion regarding a XXXX account that is not mine and also in violation of Section 807 of the FDCPA. I requested validation and still have not received any response. This account is affecting my ability to obtain credit and move into a new home.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (GA)

I moved from Florida to XXXX Georgia on XX/XX/XXXX. That was the closing date on the property. I had funds leftover from the closing and use that money to fund my SunTrust account. Today XX/XX/XXXX I am being advised that the account is closed but I do not have access to the over {$2000.00} that I have in the account. I don't know anyone here. I can't borrow any money this is all the money I have and I need it now.
Consumer complaint received 2020-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have three transactions with Paypal that have not been resolved. I ordered three different products from three different vendors in XXXX. None of them have arrived and Paypal has not refunded my money. Their resolution center isn't working either. 
I am fed up.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit reporting act XXXXXXXX XXXX account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have to privacy 15. U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have to privacy 15. U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the fair credit reporting act XXXX XXXX account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have to privacy 15. U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the fair credit reporting act XXXXXXXX XXXX account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have to privacy 15. U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the fair credit reporting act XXXX XXXX  account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have to privacy 15. U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (IL)

There are 2 collection accounts on my credit report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case XXXX XXXX is attempting to collect as XXXX  XXXX XXXX  and CKS PRIME INVESTMENTS is attempting to collect as XXXX XXXX.

These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my credit report.