davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NY)

After debt was paid and satisfied through Transworld they continue to call and harass me during work hours ( normally around XXXX ) stating that the original debt holder ( XXXX ) never sent the confirmation of the debt paid. My bank account shows they payment was paid to them. 
It is their job to follow through with obtaining confirmation and removing me from the collections dept. 
Ive explained this numerous times and they continue to call despite accepting payment.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (GA)

XXXX XXXX XXXX XXXX has my Social Security Payment and Supplemental Security Income Payments. 

The Social Security Administration located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX, XXXX, Georgia XXXX mails the Benefit Manager ( s ) multiple ACH checks for transfer to Government Debit Cards. 

The transfers does not equal the standard Supplemental Security Income payment of {$730.00}. The transfers does not equal the standard benefit payment from retirement insurance or XXXX insurance either. 

The Manager ( s ) has not transferred the amounts to the card in my possession. The card ending in XXXX. The back of the card has XXXX. It suggest to call XXXX International Calls. 

Complaint Area : ACH Check Replacement or ACH Check Refund
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I pulled my credit report recently and I have information that is inaccurate. I wasnt also able to pull my XXXX and transunion. This is the second report that I have filed cfpb.com has supposedly lost the first filing i have spent 2 days on the phone even receiving a email from you to send a respond and I did and still no respond. So I am filing again. 
My name is spelled multiple ways and there are several addresses which will be listed below that do not belong to my possibly a relative or the information numerically are incorrect. I have multiple phone numbers on the report which are not mines. Accounts that should have been included in my bankruptcy that are not. And multiple hard inquires that I have not done business with that need to be removed this is a serious error and its costing me thousands of dollars in interest fees and denial letters because of inaccurate information and not properly reporting I am in distress the items listed below need to be removed immediately. 
addresses : XXXX XXXX XXXX XXXX # XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXXXXXX XXXX XXXX MT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL telephone numbers that are inaccurate : XXXX ) XXXX XXXX ) XXXX employers that are incorrect : the XXXX XXXX and XXXX need to be removed accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HASNT BEEN REMOVED SHOULD HAVE BEEN INCLUDED IN BANKRUPTCY CHAPTER XXXX BANKRUPTCY IS FILED INCORRECTLY ITS NOT INCLUDED ALL THINGS THAT WERE PAID AND AGREED UPON 13 HARD INQUIRES AND 9 OF THEM I HAVE NOT DONE BUSINESS WITH AT ALL OR HAVE NO KNOWLEDGE OF THEM.
Consumer complaint received 2021-08-13
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. (GA)

My identity was used with my knowledge and the report credit companies keeps reporting the information. Even though I stated its not Valid! The law says nothing can appear on my credit unless I have validated it! I keep disputing the same items, because they are invalid!
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (SC)

Jefferson Capital Systems , LLC XXXX XXXX XXXX. XXXX XXXX MN XXXX On XXXX XXXX, 2017, Jefferson Capital Systems LLC. added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$2900.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MD)

XXXX/comenity bank reported that my account was delinquent 30 days or more. This is false. I made arrangement with XXXX due to COVID 19. When I called, they realized their mistake ... admitted that they were wrong, removed the late fees and the interest that was charged & said they would fix it. 
However, they still reported it late
Consumer complaint received 2018-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXX XXXX XXXX, XXXX Dates XX/XX/2014 acct # XXXX {$1000.00} Also acct # XXXX {$700.00}
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have hired XXXX XXXX to dispute inaccurate information, however XXXX, Equifax and XXXX are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.
Consumer complaint received 2024-03-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I moved to an apartment and stayed in the apartment for XXXX weeks without hot water, i had to go get shower to my friends house for XXXX weeks. After a lot of complaints about it, they decided to move me to a new apartment apartments. When moved to this apartment, the apartment was not clean and no light in the kitchen and lots of trouble. I decided to apply for a mortgage and approved to buy my own house. After closing the house, i was not able to keep paying my mortgage and the rent at the same time, I went to the office and asked the manager to broke my lease. She agreed with me and said I will pay {$3300.00} for broken the lease, as i had no money, i asked her to give me a payment plan, she said no worries, i can move out when they send the bill to me after XXXX  days, i can call to have a payment plan. I cleaned the apartment and gave them the keys. When I received the invoice from them, the amount was {$4800.00}, I replied to the email telling them that the amount is incorrect, they told me that they were going to talk to the person who sent me the bill and will get back to me. I never heard back from them until they sold my informations to an agency that kept blackmailing me and telling me they investigated me and finding out i have a lot of money to pay the amount that they asking for. The first time i spoke to the agent, i told him that the amount was incorrect and told him the amount should be {$3300.00} not {$4800.00}. He agreed with me and taking a payment of {$500.00} from my credit card. After a couple days, they called me again saying I owe them {$4300.00}. I said it was {$3300.00} and already paid {$500.00}, so my new balance should be {$2800.00}. They refused to dispute the amount and kept telling me that i have lots of money and I can pay them what they asking me to pay. This is not fair because i am in a financial hardship right now and have no money at all. This agency feels like they have a lot of power to hurt people without any consequences. I really need help with this matter.
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Bank of America, I have made several frauds claims against XXXX as they have charged my card numerous times within the last few months. However, these chargebacks have not been decided in my favor and I would like to appeal the decision. 

I have never authorized any transactions with XXXX. I have been an XXXX & XXXX   customer for all my life and never have changed to XXXX. Someone has gained my card information and was able to use it without my consent. I have spoken to numerous Bank of America employees and the first time they ensured me that I was going to receive my money back, but I never did. After my request was declined, I called back, and a representative told me there were charges from XXXX previously and that showed a history of transactions with XXXX. 

I was unaware that there were any transactions from XXXX as the small charges were able to pass my knowledge and I did not pay attention to them. Once the representative pointed that information to me, I told her none of those XXXX charges were authorized from me and they should be immediately disputed. Reviewing the charges from XXXX, they were not from the same merchant as one of them shows XXXX Contract and the other two show XXXX XXXX. When I was searching on the transaction list I was searching for XXXX Contract and none showed up so thats why I only disputed the XXXX Contract. 

I have contacted XXXX numerous times and they said they can not find any transactions under my card information or personal information. I even sent in a screenshot I got from a XXXX store showing they had no accounts under my name.
Consumer complaint received 2019-03-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (NM)

We traded in the vehicle financed through TD, after the trade in we ended our service contracts. The check for the canceled plans were sent to TD auto finance on the XXXX of XXXX and show deposited but they claim they never got said money and refuse to give us our check.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

On XX/XX/year> XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX reported inquiry which I did not authorize. 

On XX/XX/scrub> XXXX XXXX FIFTH THIRD BANK, N.A FIFTH THIRD BANK, N.A, XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX reported inquiry which I did not authorize. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX IA XXXX reported inquiry which I did not authorize. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX reported inquiry which I did not authorize. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX reported inquiry which I did not authorize.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666b a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In XXXX I received a pop-up while using my bank account app to confirm my personal information. On it, I was able to view my SSN which was incorrect. A single number was incremented. I went to the bank twice, once alone to attempt to correct my information and then again with my wife, because it's a joint account and my account information could only be updated when we were both present, and attempted to correct my SSN. A correction was submitted by the banker and on-screen it appeared to be correct. In XX/XX/XXXX I downloaded my credit reports and corrected the XXXX  report where I noticed the alternate SSN had been reported. 

I received a pop-up again in XX/XX/XXXX asking me to check my personal information on my account and saw that the same incorrect SSN was listed on my account. I again went to the bank with my wife. This time we were helped by XXXX XXXX and in addition to correcting it locally forms were signed and submitted to some back-end group to also correct it. At the time I asked to be informed why and when my SSN was changed and what assurances they would be able to provide that my SSN would not be changed again. I followed up on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at which point it was stated that they could only see the current information and had no insight into previous changes. 


Checking my credit reports again this year, I saw the alternate SSN was reported to another bureau ( XXXX ), this time with a reporting date attached ( XX/XX/XXXX ).
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (DE)

I applied to refinance my loan. There were several barriers that I was faced with before going to closing they said there was a lien on my home. The lien did not belong to me, they said they needed to find out how money is dispersed from my 401k. After a month of sending them documentation they said I had to remove a dispute from my XXXX credit report. I had the dispute removed and told them my credit report had been update. They said having an updated credit report was not good enough and that I had to fill out a form so they can have the dispute removed. I was told my credit was not going to be pulled. My credit was pulled after I submitted the form and the loan was denied because my score went down.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Commencing on or about XX/XX/2023 I fell victim to XXXX multi-layered scam operations orchestrated by a person using the alias XXXX ( the Scammer ), which involved me making deposits for a total amount of XXXX USD from my Capital One account to fraudulent investment firm ( s ).
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (CO)

My US Bank Visa card was cancelled. The company stated it was because a merchant had been hacked, and that my personal information may have been compromised. I was sent a replacement card, but the company refuses to tell me who the merchant was or what personal information was compromised. I have requested this information twice over the phone. The company promised to address my concerns in a letter, by XX/XX/XXXX. No letter was received. 

I would like information on the security breach, including the merchant 's name and what personal information has been compromised. I believe this information could potentially help me avoid future breaches.
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (WI)

I received a letter from XXXX XXXX on XX/XX/XXXX stating the XXXX was trying to collect a debt of {$440.00} from me. I called Convergent within 30 days of getting the letter, they said they put in a dispute for me since I strongly believed I owed the money. I did not hear anything, nor did I receive anything in the mail. On XX/XX/XXXX I went down to the XXXX store on XXXX XXXX to see if I could get this resolved there, XXXX was helping me. He stated that he could not see anything on my account, only that I owed {$440.00} but could not see what it was for. He called XXXX XXXX and was on the phone with them for about 20-25 mins trying to help me get this resolved. XXXX stated that they could not see anything either as to what the debt was for. He gave me a phone number to call XXXX XXXX at XXXXand stated I had to deal with them. I called as soon as I left the XXXX store, the number he gave me is for Convergent. So I was confused as to why I got their number, but anyways, I was talking with XXXX XXXX on that same day, XX/XX/XXXX, he can not see what the debt is for, just the amount. He put a dispute in for me again. I asked if I needed to submit something in writing to them, he stated no. He told me to call back and 30 days to see what the status is and to check the account. It has not been 30 days but I feel this has been too long already. I would like this resolved.
Consumer complaint received 2022-02-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America Claims department XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : Case # XXXX additional documentation requested. Certified mail On XX/XX/XXXX, I visited the XXXX XXXX XXXX to suture an accidental skin laceration on my 55lbs. black Labrador retriever mix. Left over night. 
Charge for services : XXXX On XX/XX/XXXX, I returned to the hospital to remove the sutures. Staff had recommended to return for suture removal after approximately 10 days. This was obviously too early and unsound advice. Unfortunately XXXX XXXX ripped the skin back open during the suture removal attempt. Re-suture again. 
Left over night. 
Charge for services again : {$230.00} I believe the second charge of {$230.00} on XX/XX/XXXX should be refunded, due to the fact that it was too early and the laceration did not have enough time to heal properly. 
Also removing sutures should not be a courtesy, as stated by XXXX XXXX, after paying nearly {$500.00} for services. 

On XX/XX/XXXX, I returned the hospital again to remove the sutures. XXXX XXXX declined and recommended to wait and return in 4 weeks again just to be sure it had healed properly. 

On XX/XX/XXXX, I returned the hospital again, as requested, to remove the sutures again. This time XXXX XXXX refused to remove his sutures. He claims not to recall his return request, after 4 weeks. He recommended to remove the sutures myself or to just leave the sutures in. Claiming it is too risky for him, due to the inelastic skin of my dog. 

I believe, this is unacceptable professional business behavior by XXXX XXXX XXXX and should not be encouraged. 
These are the reasons, I have requested the charge of {$230.00} for the 2nd unnecessary service charge to be back charged to my Bank of America credit card. 
I also filed a complaint with the Colorado state veterinary board and I am prepared to take this matter to the small claims court, if the back charge should be declined. 
Thank you for your help and understanding. 


XXXX XXXX XXXX XXXX Included : 2 invoices, injury photos, BofA cc charge confirmation
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (TX)

Original Creditor Name XXXX XXXX XXXX XXXX  Opened XX/XX/, 2015 ( 3 yrs, 8 mos )  This is Probably the wrong Date and also they have not validated my details l asked. How much l paid and what type of contract it was. It was not a contract but Month to month and hence should not be owing. 

Tried asking for details on how much was paid and how much the contract was and proof of the signed documents to verify what they state l owe and nothing has been shared
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I attempted on XXXX to purchase a XXXX bus ticket costing {$350.00} through their website and the transaction was declined, no information was provided about the decline other than to contact the bank about the issue. I needed a bus ticket immediately and noticed XXXX had another method of payment which was their XXXX feature. This feature allowed for me to go pay cash at participating retailers. I then went to XXXX and paid cash in the amount of {$350.00} to receive my ticket. I do have the receipt for this transaction. Prior to heading to XXXX I immediately did make contact with Cash App support via chat because I noticed the amount was infact deducted from my account even though the XXXX transaction never went through. I do also have records of the chat with Cash App. The charge was just pending so I believed it would be refunded. I left on the bus and traveled for over a day to my destination. Once I arrived I became aware that the charge was no longer pending but was complete. I first made contact with XXXX and was told they had no record of the card being charged and any pending charge would be reversed and that there was no evidence of a double booking. I also went onto my Cash App and disputed the transaction through their process and provided the receipt where I had to use an alternate payment. The next day I received an email from Cash App that my claim was denied. I have attempted on multiple occasions to contact both XXXX and Cash App pertaining to this charge and I am receiving no assistance for this {$350.00} charge.