davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (GA)

I have been disputing these accounts for a while. They do not belong to me. Please remove them and all negative remarks that came with them. I am a single mother who has had issues obtaining credit because of these negative remarks. I have attached my identity theft report. If you need any extra info please send me a fax number I can use it to correspond with you.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

the member file was submitted by XXXX on XXXX/XXXX/2016 and the member submitted {$10000.00} to reinstate the loan and then was told it was {$12000.00} dollars and she submitted the money and was told the reinstatement amount was {$15000.00} dollars. She got the funds and submitted the funds and {$2000.00} dollars was kept. the local branch gave her {$13000.00} in plastic bags. She had a police officer help her count the funds and they were short {$2000.00} dollars ... ..
Consumer complaint received 2020-08-26
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. (OH)

This is account is reporting to from different furnishers and can not be validated. Please see the response below and delete account as well. 

CFPB # XXXX Company 's Response Account Summary Creditor : XXXX XXXX Account No : XXXX XXXX XXXX   Reference No. : XXXX The account information XXXX XXXX   furnished to the credit reporting agencies was provided by the original creditor. It included a social security number and date of birth. We have not been able to complete our investigation of this dispute and will request that any information provided to the credit reporting agencies regarding this account be deleted or removed from their records. Once debt validation is received, we will provide that information to you but the debt will not be re-reported to the credit reporting agencies by XXXX   XXXX, XXXX. This communication is from a debt collector. Sincerely, XXXX XXXX Consumer Affairs XXXX XXXX, XXXX XXXX XXXX XXXX This is the same account on TransUnion : XXXX XXXX Ohio # XXXX
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (LA)

On XX/XX/XXXX I went to XXXX XXXX in XXXX, la and made a down payment for the XXXX XXXX XXXX that was XXXX. I declined the gap insurance and when i got home to view my credit acceptance portal i noticed XXXX XXXX dollars was added on for interest which that is more than what the car is worth and was not advised about that at the dealership. I've contacted the dealer but no reply yet. It's sad to be ripping people of their hard earned money. I have kids an struggling as it is now. The car been giving me problems the next day i got it. Interest rates a day that's ridiculous. Almost XXXX for a used XXXX car? That's sad!
Consumer complaint received 2018-07-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I gave XXXX XXXX  {$30000.00} in order to purchase CDs, in increments of XXXX, XXXX, and XXXX. XXXX XXXX is now Bank of America. The money was from the death benefit from the XXXX XXXX death of my husband. I have the original CDs and the original receipts. The money was given to the Assistant Bank Manager named XXXX XXXX. This was at their XXXX XXXX XXXX XXXX XXXX in XXXX, CT. 


On XX/XX/XXXX, I personally visited XXXX XXXX  in XXXX XXXX, CT, which is where I lived for 12 years, up until 2 weeks ago. I gave the bank manager my CDs and receipts. She stated there was no record of the CD numbers and that they did not keep records that long. She said there was nothing she could do. She told me to call the State of CT Asset Recovery and the Inactive Accounts Division of XXXX XXXX. XXXX XXXX  had no record of the CDs, nor any record of my having ever opening any account under any of my names.. XXXX ( present ), XXXX ( married name under which I purchased CDs from XXXX, or XXXX ( maiden ). I was told there was nothing they could do. The state of CT had no monies in my name waiting for me.
Consumer complaint received 2018-07-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Management Partners, LLC (MI)

The name of the company is called XXXX XXXX, their phone number is XXXX. I've asked repeatedly to STOP calling my place of work and still they harass me. Their last call was today XX/XX/2018 @ XXXX. They've called every day and several of their calls I've missed, but I've already told them 3 times that I do not appreciate them calling my employer. They NEVER leave a message, which leads me to believe that they're SCAMMING rather than trying to communicate.
Consumer complaint received 2021-09-21
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: OneMain Finance Corporation (CA)

I have requested that some accounts on my consumer report be investigated. I sent letters to the three major credit reporting agencies requesting these accounts be investigated and the investigation took well over 30 days.
Consumer complaint received 2021-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSR & ASSOCIATES INC. (CA)

I was contacted by a company, XXXX, I previously did business with about an unpaid order for a company I had closed in XXXX. While I did make an inquiry about whether this company, XXXX, could drop ship some items after I had vacated my retail location, XXXX apparently opted to ship product to a location I had not occupied for months. When I disputed this order with XXXX, they referred me to a collection agency called XXXX XXXX 

I notified XXXX via USPS on XX/XX/XXXX, to cease communications or to provide proof that this debt was mine. After receiving more notices, I sent them the attached email on XX/XX/XXXX again demanding them to either cease communications or provide proof. No communications came until a letter from XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX. This letter violated my instructions by ceasing communications and did not include any proof. I feel this company sent this letter from their corporate counsel in a veiled way to intimidate me to demand payment for a debt that I do not owe. 

I will be writing a letter of complaint to the CEO of XXXX today as this is now bordering on harassment. 

I also filed a complaint with the CA Attorney General regarding these communications as well. 

Again ... I did NOT order any product from XXXX that is in dispute. I did NOT receive any product from XXXX that is in dispute ( I could not have since I had vacated the commercial location no less than 2 months prior to this shipment being sent ).
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from PayPal for months but I just remembered I could file a report on here as I feel like they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX
Consumer complaint received 2020-06-01
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. (FL)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: V and H Portfolio (CA)

Shot and slime this credit reporting company place a collections on my credit report on XX/XX/2021 the collections company is title Vance and Huffman I tired calling this company for over 3 days they have yet to answer the poke more can you get anyone and they never states what the collection is for I try my hardest to keep my credit right and hard working in my credit this company place this on my credit knocked my score down 15 points I need help to resolve this I have nothing on my credit or any collections please help
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (NC)

On XX/XX/2019 I purchased a XXXX XXXX XXXX XXXX online at XXXX. Weeks went by and never received the item and found out it was " delivered '' when I finally check tracking. Obviously I went immediately to XXXX corporate and let them know what happens. They promised to fix the problem in 48-72 hours. 

Now a month later, dozens of calls later, I finally took this matter up with my bank. I contacted my bank who refused to take a report of the fraud, they told me the ONLY way to do it was to go login and put the complaint online. I did so as asked. They then kept messaging me through their app and asking questions. 

I provided timelines, all the details, and they said the would get on this immediately. Today my phone buzzed again, and to my surprise, they are NOT fixing this fraud issue. 

They sent a message today that said thanks for reaching out. We have determined there was no error the transaction. We understand you returned an item and they will have to refund once received? That's a big question mark, what items did I return? Nothing, as I never even received it. 

So I'm not only dealing now with a fraudulent merchant, but also with a fraudulent bank. I called in immediately and asked to speak with a supervisor. The agent, XXXX, stated that no supervisors are available. I asked how do I make a complaint, she said they don't have anything for that. I said well let me speak to the fraud team, she said they don't take calls. She refused to escalate this issue at all. 

In all my years I've never had a bank refuse to investigate a fraud case. Moreover, they have noway to even put in a corporate compalint. I can't even reach the fraud team. They have a messaging system online and they ask you to go on there and dispute things this way, I've done that a dozen times and they refuse to have anyone from Fraud, Supervisor, or from corporate at all contact me and look into this matter. 

I'm a XXXX XXXX XXXX veteran who has not only been taken advantage of by a company ( more common today sadly ), but I'm also being taken advantage of by my own bank, Simple.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

My name is XXXX XXXX I have a debt collection with ic systems Ive previously contacted public storage to try to solve this problem but they have no recollection of this they cant find it in there system but I can still se sit on my credit report I refuse to pay for something I had nothing to do with and this is why Im reporting this.
Consumer complaint received 2020-11-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (GA)

CFPB Complaint : XX/XX/2020 This complaint is in regards to a Credit Card Debt Collection. The collection agency is identified as The Bureaus, formally known as The Bureaus Inc. I am the sole individual involved in this matter. 
On XX/XX/2020, I sent a certified letter asking for debt validation to 'The Bureaus Inc ' to their specified address online : XXXX XXXX XXXX XXXX XXXX IL XXXX. On XX/XX/2020, I was informed via USPS tracking that the letter was not deliverable and also unable to forward. After some extensive research, I was finally able to locate a second possible address for The Bureaus, who no longer identified themselves as The Bureaus Inc. 
On XX/XX/2020, I proceeded to resend my certified letter to The Bureaus at address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. As stated in my debt validation request, I am allowing the company 30 days to respond. In actuality, I allowed more than 30 days for the company to respond. 
On XX/XX/2020, after not receiving any response from the company, I decided to phone The Bureaus at XXXX XXXX XXXX XXXX and requested proof that my verification letter was in fact, received. After validating my identity and locating my account, the operator was able to confirm that my letter had been received on XX/XX/2020. It was also confirmed by the operator that a follow-up letter had not been sent out via mail to me. I requested to speak with a supervisor, and the operator informed me that she was unable to transfer me to speak to someone at The Bureaus directly. Her reasoning, because she did not work for The Bureaus. The operator whom I was speaking to, actually worked for another company, subcontractor for The Bureaus. Considering all conversations are recorded, I accepted her rebuttal that she would reach out to The Bureaus, and inform them of my request to have my debt permanently removed from all 3 credit agencies. 
On XX/XX/2020, I received a debt verification letter from Bureaus Investment Group Portfolio NO 15 LLC regarding a debt of {$300.00} from the original debtor, XXXX  XXXX XXXX. Their letter falsely states that I requested a validation of debt on XX/XX/XXXX, XXXX complaint
Consumer complaint received 2017-09-20
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: SYNCHRONY FINANCIAL (CA)

I started the Customer Assistance PlanXX/XX/XXXX Per the representative my payments of {$110.00} would start the month of XX/XX/XXXX on my due date which is the XX/XX/XXXX. All payments were made by phone on XX/XX/XXXX and clear my bank. Told by representative when clear bank even though it was another day that the payment would show on XX/XX/XXXX and not be reported late. Receive credit report dated XX/XX/XXXX showing late from XX/XX/XXXX until XX/XX/XXXX.  ALL PAYMENTS HAVE BEEN MADE ON XX/XX/XXXX BY PHONE.
Consumer complaint received 2020-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (NV)

I signed up for a chime account with referral code https : //www.chime.com/r/thaotran2/ which offered me {$75.00} if I complete a direct deposit of {$200.00} within 45 days of account opening. I did not receive any confirmation of my enrollment in this promotion upon sign up. I requested Chime confirm the promotion is on my account as advertised and will be fulfilled upon completion of the terms. I contacted Chime by email and phone and so far, Chime has not confirmed my enrollment. I have not received a reply by email as of yet. The first level phone support agent I spoke to said the bonus was not applied to my account despite me signing up through the link. I have not received confirmation in writing that it will be honored or that the technical error has been fixed.
Consumer complaint received 2023-01-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2022, At the airport in XXXX, XXXX, I was charged two transactions without knowing it.One amount was {$5600.00} the other amount was {$3000.00}. I did not make any purchases and I did not know the person who charged this money. I checked my bank account that night and found these two transactions. The total amounts exceeded the credit limit and I did not receive any alert when it happened .I called the bank to report it immediately and asked for a rejection, the representative asked me to wait until the transactions was post then called to dispute, and said that I didn't need to worry about it and assured that the bank will investigate it. 
I called multiple times and the fraud department denied my appeal
Consumer complaint received 2019-05-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I took out a HELOC with XXXX XXXX XXXX in XX/XX/XXXX. 
In XX/XX/XXXX. It was a predatory loan with a max interest rate of 15.158 % I had a XXXX XXXX and suffered financial difficulties. But I kept up my {$1400.00} payments. At that time I requested a loan modification from Us Bank. I went thru it 3 times with them on my own then I hired a lawyer, big mistake. I went thru loan mod 2 more times with lawyer and tried to litigate Us Bank but judge threw it out because I was not delinquent, so I went delinquent and tried again for a loan mod and was turned down for s different reason that time, too many assets. So I decided to start making payments 1. In XX/XX/XXXX I paid {$10000.00} and then again in XX/XX/XXXX I paid {$10000.00} and have made {$2500.00} or {$3000.00} payments every month. I have checks.Then US Bank started randomly returned some checks some they would keep. I received a 1099INT for {$10000.00} for XXXX and 1099INT for {$22000.00}. I had figured I owed about {$50000.00} in back payments since my last statement showed my payment of {$1300.00} and I was told I was 33 payments behind. I have reached out to US Bank and received nothing but attitude and an inflated amount due., They have sent no statements and have removed my account from online so even though I have sent well over the {$50000.00} I had calculated I owed they returned {$22000.00} kept the rest and when I finally got a printout last week after I slammed them on XXXX, They claim I am {$190000.00} in the rears. That is impossible the loan amount is {$490000.00} with what I have paid that they kept {$32000.00} equal {$220000.00} or 46 % Interest? 
When I finally got the printout it does not have a running total of interest or total due other then principal. It also shows they have raised my interest rate 9 times without sending me a single notice of change. And the statement does not show what my payment should be anywhere. They are so XXXX up one time when they returned my payment then sent a letter the payment could not post because the account was satisfied, and nothing is due. 
The last payment of {$1300.00} I made was XXXX. I have paid {$56000.00} since XX/XX/XXXX and they have returned {$23000.00} of my payments I have all the checks. 

I am 5 months from XXXX and not in the best of health and will not loose my home. I feel they want to foreclose because I have over a XXXX in equity. I had hoped they would show my last 12 moths of payment as on tine and I could refinance and get away from them. The rest of my credit is perfect this is the only derog I have and I take responsibility I should not of listened to the lawyer I know better but I was wishing and praying
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

My debit card was duplicated or had the number stolen. I live in SC, it was used for three purchases and one decline in North Carolinawhere I do not live. On XX/XX/XXXX there was a Transaction at an XXXX  gas station in XXXXXXXX NC for XXXX. Another purchase on the same day for XXXX at a XXXX XXXX XXXX in XXXXXXXX NC. Another purchase on the same day for XXXX at XXXXXXXX XXXX in XXXXXXXX NC. On that same day, another purchase was made for XXXX, but it was declined for insufficient funds. Wells Fargo sent me an email about the decline and I immediately called to report fraud and cancel my card. In the meantime, I contacted the restaurant in North Carolina and spoke to the owner. She emailed me the copies of the receipts where the merchant name, which should be my name, did not appear. She informed me This typically happens when a card number is stolen and was duplicated. She contacted the waitress and got a full description of the people that sat at the table and used my card. We arent the same XXXX or XXXX The manager contacted me to tell me that the people using my card ordered a bottle of XXXX XXXX XXXX for around XXXX and tried to use my card for a bottle of XXXXXXXX XXXX when it was declined. She also emailed me the receipt of how they paid when my card declined. Clearly another fraudulent card with no name for merchant. The restaurant has video surveillance of the the people who used my card. Wells Fargo has denied my claim of fraud TWICE and states my PIN number was used. My account history clearly shows that a pin was NEVER used. It is a clear case of fraud, but Wells Fargo will not handle it and my calls are not being taken. I have proof of my whereabouts in XXXXXXXX SC when these purchases were made in another state. I have XXXX  children to support and I depend on this money to live.
Consumer complaint received 2021-09-21
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. (PA)

I submitted disputes and a FTC report for fraudulent accounts and hard inquiries on my credit report. 

Experian - Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXX  {$2600.00} XXXX  XXXX XXXXXXXX {$330.00} XXXX  XXXX  {$650.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX - Inquiries : XXXX XXXX XX/XX/XXXX XXXX To XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX - Accounts : XXXX XXXX {$650.00}