davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 several transactions totaling in the amount of over XXXX XXXX dollars had been debited from my prepaid debit card account. These debits resulted in making my account negative over XXXX XXXX dollars. I was told i had to verify my identity which i successfully did but in the time they " closed '' my account any deposits that i had going to my account were just added to the negative balance. Prepaid Bank of America had violated section 2b of the prepaid card terms and conditions. By allowing these debits to occur unlawfully i had to endure weaks of financial stress upon stress that i should have never had to even go through. In section 2b it states that once a deposit has been made to my account the state is not allowed to debit any of those funds from my account and it also states that there will be no overdraft transactions to ever occur on my account and yet they did just that. After weeks of nonstop calling i was finally able to get through to a claims representative who explained to me that there was some kind of system glitch and that they were absolutely at fault and that after submitting an escalation, Id be able to get all of those debits credited back to my account that of which should have never been taken from my account in the first place. It has been weeks and I have yet to be credited back the transactions that had been wrongfully taken from me and i would like to have what was rightfully taken from me. I have a full transcript of my conversation with that claims representative that i will be attaching with this submission.
Consumer complaint received 2020-12-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent 6 rounds of letter to the credit bureaus, and they have not give me answers. I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO RECOVERY ASSCOIATES, LLC ( PRA LLC ) DID NOT VALIDATE OR PROVIDE PROOF OF OWNERSHIP OF SAID DEBT.AS PER FAIR DEBT COLLECTION PARACTICE ACT, SECTION 809 ( b ), THEY DID NOT PROVIDED THE REQUESTED PROOF OFTHE FOLLOWING ( PLEASE SEE ATTACHED DISPUTE LETTER AND PROOF OF CERTIFIED MAIL ) : 1. PROOF THAT I ACTUALLY OWNED THE DEBT 2. STATEMENT FROM ORIGINAL CREDITOR PROVIDING THE AMOUNT AND COMPLET PAYMENT HISTORY. 3. COPY OF SIGNED LOAN AGREEMENT AND/OR CREDIT CARD APLICATION/CONTACT 4. COPY OF CANCELLED CHECK FROM ME TO THE ORIGINAL CREDITOR PRA LLC DID NOT PROVIDE INITIAL NOTIFICATION LETTER UNTIL XX/XX/2020 ( PLEASE SEEN ATTACHED LETTER ) PRA LLC DID NOT PROVIDE PROOF THAT THEY ARTE LICENSED TO COLLECT OR OPERATE IN THE STATE OFGEORGIA. PRA LLC DID NOT PROVIDE A COPY OF A CONTRACT THAT THAT I HAVE AGRRED TO SAID DEBT THE TERMS OR PAYMENT OF THAT DEBT. PLEASE REMOVE AND DELETE THIS ACCOUNT FROM REPORT TO ALL CREDIT BUREAUS
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

XXXX XXXX is an app in which you buy electronics bags clothes jewelry ShopXXXX ask me to pay thru money gram for the merchandise for lesser price due to shipping delays I feel like I am a victim of fraud I paid they haven't shipped contacted no response XXXX XXXX XXXXXXXX expand_more Reference No. XXXX TRANSACTION STATUS Completed TRANSACTION DATE XXXX XXXX XXXXXXXX TRANSACTION TIME XXXXXXXX XXXX  CDT This transaction has been successfully sent to XXXX XXXX. 
RECEIVER XXXX XXXX RECEIVE AMOUNT XXXX TRY RECEIVE METHOD Cash Pickup SEND AMOUNT XXXX USD PAYMENT METHOD Debit/Credit Card FEES XXXX USD Total Cost : XXXX XXXX Send Again View Receipt Support expand_more Legal Information expand_more Corporate expand_more XXXX MoneyGram. Licensed as a Money Transmitter by the New York State Department of Financial Services. Massachusetts Check Seller License # XXXX, Foreign Transmittal License # XXXX, NMLS # XXXX. Licensed by the Georgia Department of Banking and Finance ; XXXX # XXXX. 

Follow us on : close MoneyGram Logo Your Receiver can now collect these funds at any MoneyGram Location in the expected destination. To find a Location, please check our Locator. You should communicate your Reference Number [ or Bancomer Confirmation Number, as applicable ] to your Receiver to facilitate payment.

MONEYGRAM PAYMENT SYSTEMS, INC. 
XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXXXXXX XXXX  CDT Sender Information MoneyGram Plus : XXXX Name : XXXX XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX United States Receiver Information Name : XXXX XXXX Expected Destination : XXXX Receive Option : Cash Pickup Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May be available sooner ) Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : Mastercard XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Rate : 1 USD = XXXX TRY Receive Amount : XXXX TRY Other Fees : XXXX TRY Other Taxes : XXXX TRY Total Receive Amount : XXXX TRY
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2021 we received a letter from Synchrony Bank They informed us that they had Immediately closed an account which had been inactive for over three years.

They Notified the major credit bureaus and Initiated an investigation and flagged our information in their system. 
On XX/XX/2021 our XXXX XXXX XXXXXXXX Visa account was flagged for fraud and the account inactivated. 
Upon checking our Credit Bureau Credit scores with XXXX and XXXX we could not get the reports. 
On XX/XX/2021, we received a Fraud Investigation Form from Synchrony Bank.

We have never contacted them in any was and would not have paid attention except for the course of 'Fraud flags ' instigated by this Synchrony Bank action.

This is clearly some type of hacking fraud. We went on line to see reports or complaints against Synchrony Bank ... ..too much to read in a day. We wonder how this sort of thing has been allowed to go on. We are sure we are not the only ones wo have been subjected to this.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc. (CA)

Hi, I travelled overseas ( outside of the United States ) and as soon as I return I was advised that my credit was in a bad condition. I contacted the Bureau to find out why and notice that there were a bunch of illegal activities on my account placing me into debt collection agencies without my knowledge. Please assist me with fixing this situation as quick as possible as I have urgent matters that needs to be taken care of. 

Best Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-31
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. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-12-09
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: GRANDVIEW FINANCIAL SERVICES INC. (CA)

I have never had and or signed a loan with either parties, i have never signed with my signature with this company of any loan and or any terms, the old ownership of the dealership no longer there to resolve issue, i am preparing a lawsuit for small claims court for violation of several fcra and fdcpa violations, i am giving company 30 days removal of item otherwise will proceed forward with lawsuit with damages caused to me.
Consumer complaint received 2023-03-10
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: Flexible Finance, Inc. (MI)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Company Flexible Finance for unauthorized reporting on my credit report, which has caused me significant harm, including defamation of character, homelessness, difficulty in buying a house, and late payments. I would also like to note that I have also submitted a complaint about this matter to the Federal Trade Commission. I have reason to believe that I have been a victim of identity theft by Company Flexible Finance, as I did not provide them with any consent to report on my credit report. According to 15 USC 1681 c2, consumer reporting agencies are prohibited from reporting any information that is not authorized by the consumer. However, Company Flexible Finance has reported on my credit report without my written instructions or any form of consent. The unauthorized reporting by Company Flexible Finance has caused me significant harm and has negatively affected my financial wellbeing. It has resulted in defamation of my character, as it has made it difficult for me to obtain credit and caused me to be homeless. It has also made it nearly impossible for me to buy a house, which is a fundamental part of the American Dream. The unauthorized reporting by Company Flexible Finance is an egregious violation of my privacy and has caused me undue stress and hardship. I urge the CFPB to investigate this matter thoroughly and take swift and appropriate action against Company Flexible Finance. It is essential that this company is held accountable for their actions and prevented from causing harm to other consumers. I request that you inform me of any further steps that I should take to protect myself from identity theft and to correct any inaccuracies on my credit report. I am deeply concerned about the impact that this unauthorized reporting may have on my financial wellbeing, and I implore the CFPB to act swiftly to protect consumers like me. Thank you for your immediate attention to this matter, and I look forward to hearing from you soon.
Consumer complaint received 2020-08-31
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: Bread Financial Holdings, Inc. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

PennyMac, XXXX. XXXX, XXXX XXXX CA XXXX ATTN ; XXXX XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX , XXXX XXXX NY XXXX Loan XXXX XXXX XXXX & XXXX XXXX PROBLEM ; On XX/XX/20, we applied for a loan modification on our mortgage. We were given 2 options for a modification ; a reduced monthly payment or having 3 mortgage payments added to the end of our mortgage ( extended maturity date. ) It was called a forbearance plan where there would be no mortgage payments for a specified period of time. Then normal payments would resume. We choose the forbearance plan because a modification with a reduced payment required the establishment of an escrow a/c. 
By the terms of our original mortgage, an escrow a/c was waived and we paid taxes and insurance direct. They received our application on XX/XX/20. I am now receiving foreclosure notices that an escrow a/c was opened and we are delinquent on our mortgage. I have made numerous phone calls to have the escrow a/c removed to no avail. I need your assistance as my advocate to request the removal of the escrow a/c.
Consumer complaint received 2020-10-31
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. (TX)

Hi, Ive worked tirelessly disputing incorrect information on my credit report with XXXX XXXX. They are reporting four inaccurate late payments from 2014. Ive never paid late. Ive always paid the full balance off on time every month. We are in the process of refinancing our home and this is causing a significant Challenge. We are needing to have this resolved so we can refinance our home before our son is born. 

This is causing both my wife and I a great deal of stress. My job is to do what is right and also keep her stress levels down while XXXX 

I want to keep my account with XXXX XXXX open. I just want my credit reporting statutes enforced by having the correct information reported on my credit reports.
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

In XX/XX/2019 I purchased a sofa on sales order XXXX at the XXXX NY Macys. I was induced to take our a Macy Store Credit card that would be a discount on delivery that would not charge interest if paid in 12 months. In doing so I set up the account for autopayments following the store direction. The store said that the interest charges would accrue throughout the year but would be waived at the payout at the nd of year. 

In fact the account was only set up to charge the minimum amount due and there fore was not paid out in the twelve months. When I asked to have the interest removed, the declined even though I had paid the original amount due ( {$640.00} ) when ZI discovered the discrepancy.
Consumer complaint received 2020-10-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

We requested a payoff of our loan # XXXX from Rushmore Loan Management Services. They sent us a letter dated XX/XX/XXXX showing a payoff amount due by XX/XX/XXXX. We obtained a cashier 's check in that amount and mailed it to them on XX/XX/XXXX, with a USPS tracking number of XXXX. As the tracking number shows, the Post Office lost our payment, but found it and sent it on its way, arriving at XXXX on XX/XX/XXXX. On XX/XX/XXXX Rushmore began leaving telephone messages on our home phone asking that we call them. We were on vacation that week, and did not receive the messages until we returned home on the XXXX. I called them on receipt of the messages and was told they were closed and I would need to call during business hours. On the XXXX I reached them to discover that they claimed our check was deficient, even though it was in the exact amount called for in their letter. They said they had returned the check to us, and are now demanding more money, including late payment fees. They are saying that, because XX/XX/XXXX fell on a Sunday, they could not deposit our cashier 's check. I think their letter should have had some other due date if that was the case!
Consumer complaint received 2020-08-31
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. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (AL)

Medical Data System have committed several federal violations against me, a Private law abiding Federally Protected Consumer.The attachment show they created me a false account number, false open date, and false amount owed and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Medical Data System.Medical Data System does not have a certificate of Authority to do business in Alabama. Medical Data System have not sent me a dunning letter but they have put a fraudulent account on my credit report.Medical Data System do not have the authority to collect any money from me.Medical Data System is guilty of racketeering, forgery, and obstruction of justice.Medical Data System is in violation of the FDCPA and FCRA Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Medical Data System, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Medical Data System. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company 803 of fdcpa.Acccording to the FDCPA 1692H I am owed money for all violations
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc. (NY)

My card was taken and used to book a hotel room and I was charge for it and now my account is in the negatives I told cash app they sent me a new card but didnt reimburse me for the fraud that was committed
Consumer complaint received 2021-09-23
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: Colony Brands, Inc. (NJ)

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE ATTACHED INFORMATION IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After returning the lease on time with no payment due, I received a bill {$6000.00} over the agreed upon amount of normal wear and tear. I disputed this in writing to XXXX. When there was no response to the dispute and I saw the amount as a balance due added to my credit report, I submitted a complaint to the FTC. Still no response from XXXX. 

XXXX ignored my dispute by their non-reply AND simply added it to my credit report, as if my written dispute meant nothing. I understand XXXX is a XXXX XXXX company, but these practices do not transfer to the US. The lease was in possession of a car detailer, which is different than their normal customer, and showed wear and tear only on the driver 's seat. I've checked the box below to make this complaint public.