davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (PA)

I received an alert from XXXX XXXX and XXXX XXXX that a new account had been opened on my credit report. I proceeded to call Macys and ask them to look into it and close the card. They checked into it and said I didnt have an account open but its still showing up on my credit report saying I do the {$200.00} limit Macys, Citibank , and a card. They refused to close the card out because they said they couldnt find one and its still on my credit report.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

May 0f 2021 I received a 0 % balance transfer offer from Barclay's/Frontier Mastercard . On XX/XX/2021, I used one of the promotional checks and made it out myself to deposit in my bank account. The check was returned NSF. Barclay's/Frontier charged me a return check fee of {$26.00}. I am disputing this fee. I contacted Barclay's/Frontier several times concerning this issue. I was informed by reps from Barclay's/Frontier that the promo check that i deposited was from a " closed account '' and that the return check fee I was issued is a valid charge. My account is open, in good standing with an available credit line of {$23000.00}. The check that was deposited was for {$18000.00}.
Consumer complaint received 2020-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (FL)

On XX/XX/2020, I initiated an " ACH Push '' into my " TransferWise Borderless Account '' from my XXXX XXXX XXXX XXXX checking account in the amount of {$1000.00}. The transaction ID is # XXXX. Soon thereafter Transferwise closed my account, and after going through their KYC  and appeals process, including sending photos of State identification and selfies holding such identification, I was informed on XX/XX/2020 that my appeal was denied and the account would remain closed. It is now XX/XX/XXXX, and the {$1000.00} has still not been returned either via ACH or escheat to Florida, or check to my residence address, or any other way. I have sent numerous email requesting account statements and further information regarding the {$1000.00} held by Transferwise , INC., a Delaware corporation, and have received no information. Their Customer agreement states, with heading : " Borderless Account Statements and Requesting Account Records in Writing, '' that a customer has " the right to receive an account statement showing your Borderless Account activity, '' this has not been provided. Their customer agreement also states the following : " If we close your TransferWise Account or terminate your use of the Services for any reason, well provide you with notice of our actions and make any unrestricted prepaid money held in your Borderless Account available for withdrawal. '' This " prepaid money '' had not been made available. I received a correspondence from Transferiwse Customer Service today with the following message : " We are currently conducting an additional due diligence check on your TransferWise account which takes approximately 60 days. Once this standard procedure is complete we will be in a position to give you a clear response regarding the funds on your account after XXXX XX/XX/2020. Unfortunately, we can not provide any further information until we have finished our standard processes. ''
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc. (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 Credit Bureaus and found that this XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) was reporting to be negative on XXXX and XXXX Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC (TX)

I am in the process of buying a home and my lender made me aware that this account showed up. I am in no way aware of this company and furthermore who they are. I DO NOT HAVE A DEBT WITH THEM! I HAVE NEVER HAD A DEBT WITH THEM AND I OWE THEM NOTHING! Please REMOVE this account IMMEDIATELY so that I may successfully continue my buying process.
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc. (PA)

XX/XX/XXXX two family members, two friends were contacted about my credit debit. However I was not contacted. 
XX/XX/XXXX- offered to make payment of {$80.00} on XX/XX/XXXX XX/XX/XXXX was told I refused to make payment on XX/XX/XXXX even though I stated during the phone call I agreed to make payment on XX/XX/XXXX and was told I would be taken to jail and sued by their attorney if I didnt pay in full. Then got hung up on.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NJ)

Hello, ERC is reporting a collection that is unknown to me, I sent a debt validation letter dated XX/XX/XXXX to the company that was delivered on XX/XX/XXXX. This letter was sent certified mail via USPS with the following tracking number XXXX. The company did not respond to me. I sent another letter certified mail dated XX/XX/XXXX advising that I believe they have violated my rights by failing to verify a debt at my request. This letter was sent using the tracking number XXXX. To date they have not sent any information to me yet this debt is still being reported.
Consumer complaint received 2020-08-30
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: CREDIT ACCEPTANCE CORPORATION (TX)

Yes so their has been 2 accounts on my credit score that have been showing up one is XXXX and the other is Credit Acceptance., these companys put I had outstanding debt with them and Ive never opened any accounts. They were reporting I had owed money to XXXX XXXX XXXX and XXXX I have filed disputes with XXXX XXXX and had those removed.! How can they put that on my credit without me knowing. Ive had to freeze my credit because I thought I might have had some credit fraud or something.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account 1ST CRD SRVC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -with Account Number XXXX that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I froze my credit at Equifax. I now can not unfreeze the credit. The company 's website, IVR phone system and contact centers are not working ( the recording says due to Covid ) or allowing the unfreeze. There is no one available to speak to. I am urgently trying to complete an application and co-sign for a place for my aged father to live. We can not complete an application if the credit is frozen. We are extremely frustrated and angry that our father 's housing and safety is at risk because Equifax can not support the essential function they have been given the responsibility to manage. We have tried to resolve this for days with only dead ends. We have tried calling, e-mailing, faxing, web site communication, and they are all inoperable and or not effective.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

References Shellpoint Mortgage Loan # XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Mortgage Loan # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, VA XXXX Since XX/XX/XXXX I have been trying to complete and sign my loan modfication docs. Both Mortgage Agents have put me thru XXXX. I have attached in detail every email contact that I have been thru from XX/XX/XXXX thru XX/XX/XXXX. 

I has come to my Attention that Shellpoint Mortgage has reported me to all XXXX Creditors as 120 days late. It has dropped my score XXXX points. Never in my Life I have seen this at all. Please take your time and read the attached documents and you can see the XXXX I been thru.
Consumer complaint received 2020-12-12
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: EQUIFAX, INC. (TN)

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I notice according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.
Consumer complaint received 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I had a modification approved with XXXX ... I paid all XXXX payments ON TIME and SPS is stating that they sent me the mod package, but they sent it to the wrong address. XXXX in XXXX was researching the case and lied to the CFPB. He stated the loan mod package was sent to the address that XXXX BANK had in the file. After thorough investigation XXXX is now involved and their XXXX offices is stating the correct address was given to them, but that SPS manually entered my incorrect address into the their system and the address was wrong. They left off the XXXX XXXX which is critical. I never received the package for me to sign. SPS CLEARLY made the mistake. I spoke with SEVERAL folks in the call center. They have notated in the account that the incorrect address was used, but XXXX department continues to lie and blame the cause of the wrong address is because when XXXX sent the file over that is what they gave them. I am working directly with XXXX as they are trying to remedy this. Their internal liaison has been in touch with SPS to notify SPS of their mistake and asking them to remedy it. The file is very clear to XXXX and to, me, XXXX XXXX that SPS will not take up for their mistake. We are asking them why? Why lie and blame?
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (MD)

Documentation support Report XXXX AMEX FRAUD Payment was delayed Phone contact to AMEX stated it was possibly due to snow. 

Other parties XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, VA XXXX XXXX, XXXX XXXX, VA XXXX XXXX, XXXX, NC XXXX XXXX XXXX, XXXX XXXX, VA
Consumer complaint received 2020-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (GA)

On Thursday evening, XX/XX/XXXX around XXXX I used Western Union to send money to a person in XXXX XXXX Michigan because he needed the money immediately as a service that Western Union has been known for decades. 
I used the Western Union app ( online ) to make the transaction for convenience and because the fee was cheaper than driving to the various locations throughout my city. Western Union offers the opportunity for me to use my bank checking account only to send money and not my debit card as they do when you go into their locations in person. After I completed the transaction, I got an instant text with the conformation number to send to my receiver to alert him of the transaction number and to give him the green light that he could go to any Western Union location to receive the money. 
On Friday, XX/XX/XXXX, my receiving party went to a Western Union location to receive the money as was told that the money was not available. However, the money had cleared my checking account. On Saturday, XX/XX/XXXX, my receiving party went back to the Western Union location and was told again that the money was not available. 
This morning, Sunday, XX/XX/XXXX, my receiving party was told that the money still was not available, so at this point I am confused and upset. Therefore, I called Western Union again with my transaction number and ask why is the money not made available immediately to my receiving party and their response was that they HOLD the money for 6-7 business days not including the weekends to wait for a report from the bank?!!! Also, that it would take the same amount of time to refund the money back to my account. I then proceeded to explain that this was not explained on the website before I made the transaction as I would have traveled to a Western Union location to make the transaction so that my receiving party could receive the money immediately.

I have never known Western Union to hold money as they advertise that money is sent and received immediately and if their is a variation in this service in the 21st century by sending it online, then that needs to be explained beforehand because  traveling to the locations is the old way of doing business.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (TX)

I applied through XXXX XXXX of XXXX for a personal loan. I understand XXXX XXXX shops for the best loan offer with outside XXXX. I received an email from Upgrade and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that Upgrade and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from Upgrade or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed Upgrade sent XXXX emails to me, dated from XXXX to XXXX. It was on XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from Upgrade. I contacted Upgrade and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XXXX. The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

On XX/XX/XXXX, and XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payments listed on my credit reports from XX/XX/XXXX to XX/XX/XXXX, regarding GM Financial Bank, account number XXXX, by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX  via the online dispute portal. USPS verified that all my requests were received. This account has never been paid late. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. 
Therefore, I expect all these items will be removed from my credit files immediately.
Consumer complaint received 2018-03-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation (TX)

Re : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TXXXXX Dear Sir or Madam ; I disputed the referenced account above on ( XX/XX/XXXX ) .The credit report of ( XX/XX/XXXX ) and your report # shows results these items was deleted from the credit file.Now I notice these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA? 611, Procedure in case of disputed accuracy [ 15 U.S.C.? 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I received no such notification.This is a serious violation of the FCRA, and I reserve the right to pursue further action.Your agency may avoid such action by immediately deleting this listing from my credit report. 
Thank you XXXX Please see enclosed letter from XXXX through XXXX XXXX and other agreements made between XXXX and myself not being responsible.
Consumer complaint received 2020-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

To add to the other complaints after my son spent over a year trying to become the successor this letter was received from a XXXX XXXX of Bayview. This was done after almost 19 months of trying to get it done. Now since I am the husband and was the one looking to become the successor they put it in the wrong name. Just another comedy of errors.