davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Just recently got a letter from convergent saying i owe an alleged debt of {$710.00} I haven't done any business with this company nor did I have a contract with this company they are in clear violation of my consumer rights under the FDCPA 15 1692b ( 2 ) stating that I owe an allege debt and 15 usc 1692b ( 5 ) I am attaching a cease and desist letter to stop all further communications
Consumer complaint received 2020-11-25
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: SYNCHRONY FINANCIAL (TX)

SYNCHRONY BANK refuse to correct the problem with my HSN account. 
We complete a special terms promotional financing for purchase of a computer, however we sent the computer back XXXX item was returned WE were given the credit over XXXX bucks but THIS BANK refused to remove the 12 months financing off the card. The Account is set up like we are buying the computer! This account should be set up for us to pay items off in a timely matter under the terms and promotion that has been Set up by HSN. 
Note- we are including a copy of the information that is set up on the account as of today! We were told that the credit agency has set up a check system on our Synchrony Bank account. This was not a true statement- Synchrony Bank is the owner of the account. HSN is the company that we do business with therefore, we are asking for you to look into this matter- This bank refuse to carry out the terms and condition of HSN . 

Purchase XX/XX/XXXX Computer -returned but the deferred interest did not go away, if we do not have the computer and it was returned then why does a deferred payment plan for the computer is sit on the account. This is call fraud and corruption - A fraud has been committe by the Bank, it should not be a special terms or promotional of financing for the computer on the account Date Purchase Amount/ Special Terms Deferred Interest Charges Promotional Balance Expiration Date XXXX XXXX $ XXXX/DEFERRED INTEREST/WITH PAY {$27.00} {$690.00} XX/XX/XXXX
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

XX/XX/2022 - I have disputed the claim with the credit bureaus. 
This company XXXX XXXX just showed up on my credit report. I have not ever signed a trade agreement with this company. 
The amount of the claim is {$580.00}, I have not received any goods, or traded services with this company.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (OH)

I deposited two checks in the amount of {$4900.00} and {$1000.00}. Initially I was told it would take XXXX to 5 days to clear. The funds were available the very next day. I used {$1000.00} of it to make a payment and verified with the customer service agent that the funds were available. A couple of hours later the bank put a hold on the funds and told me XXXX to 5 days. I went into the branch near my house in XXXX, Ohio on XXXX XXXX. They called the XXXX XXXX branch in XXXX, Ohio and were told the funds would be available in 5 days. After 5 days the funds were not still not available. I called customer service who in turn called the XXXX XXXX branch. The XXXX extended the hold to 10 days. I'm sorry but it does not take 10 days to verify a check from the United States. They can easily verify the account and the funds. At this point I regard this as some kind of discrimination. I will be closing my pnc account for good due to this decision by the XXXX XXXX bank manager. I've been banking with them since they took over National city and I am very dissatisfied with them. The fact you now have to go over heels half acre to cash a check is utterly disgusting. They wouldn't stop an unverified XXXX XXXX  transaction from a skimmer scam but want to monkey wrench my valid deposits
Consumer complaint received 2022-10-08
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: FIRST NATIONAL BANK OF OMAHA (CA)

THE PROBLEM IS WITH INVESTIGATION THAT TOOK PLACE WITH CREDITOR FNBO THE COMPLAINT WAS FILED THROUGH CFPB AND RESPONSE CAME THAT THE INFORMATION IS ACCURATE AND BELONGS TO ME ITS ABOUT FNBO XXXX AND XXXX XXXX CARDS I SUBMITTED COMPLAINT TO XXXX ABOUT ADDRESS THAT DO NOT BELONG TO ME AND UPON INVESTIGATION XXXX CAME WITH A CONCLUSION THAT ADDRESS DID NOT BELONG TO ME AND ERASED IT AND THE ADDRESS WAS XXXX XXXX XXXX SAME ADDRESS THAT WAS USED TO OPEN THESE ACCOUNTS SO HOW THE VERIFY THAT THE INFORMATION IS ACCURATE WHEN THEY SHIPPED THESE CARDS TO THE ADDRESS THAT I NEVER LIVED IN? I UNDERSTAND THAT NAME DOB AND SSN IS MATCHING AND ARE MINE BUT IT IS NOT PROPER REASON TO BELIEVE THAT ACCOUNTS WERE OPENED BY ME THAT WHAT ITS CALLED IDENTITY THEFT WHENEVER SOMEONE IS USING YOUR INFORMATION WITHOUT AUTHORIZATION TO OBTAIN GOODS OR SERVICES UNDER YOUR NAME IF ITS CELLPHONE THAT THE NUMBER IS TRACING TO ME I HAD A OPEN DISPUTE WITH XXXX ABOUT STOLEN PHONE WHEN I ORDERED IT SO THERE IS ABSOLUTELY NO EVIDENCE OR SUPPORTING EVIDENCE TO KEEP THESE TWO ACCOUNTS ON MY CREDIT REPORT
Consumer complaint received 2022-08-10
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. (OK)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) but they are failed to respond in my complaint. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
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. (MI)

Experian continues to report fraudulent information on my credit report. XXXX XXXX XXXX is an closed account that has been fully satisfied, as detailed In prior months of reporting. 
Upon request for a investigation into my credit file for other alleged debts this debt instead of being removed was updated as derogatory erroneously! I have no debt with this creditor and do not consent to this fraudulent information to be furnished on my report! 
XXXX  alleged account has been removed from my XXXX report as being invalid and FTC report has been filed!
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2018 I have paid {$19.00} to Equifax for a complete Premier Plan to monitor and provide updated credit report and score. I have paid all my accounts on time and some paid off within last 6 months and effectively increase my credit score and fixing errors on my credit file. When I checked my credit score on XX/XX/XXXX it showed XXXX and today ( XX/XX/18 ) it shows XXXX which is a 2 points down for no reason ( in reality it show have gone up at least by 2 points or more ). When I called them I was told this decrease is due to your creditors reporting information resulting in our calculations for your score, this is totally incorrectly and false. Because of Equifax error, my credit lost its power, increasing my debts, and adding interests rates of my accounts. 
Sincerely XXXX XXXX
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello Ive been having someone trying to open accounts under XXXX XXXX XXXX XXXX XXXX XXXX XXXX documents below includes the following. Thanks
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2021, a purchase of {$49.00} was made online through XXXX and appeared on my CapitolOne Visa bill. I reported it as soon as I saw it. I have never had my Visa credit card attached to my XXXX  account. I explained this to CapitolOne. They investigated and didn't believe me even though I rarely used the credit card inside the United States. I got the CapitolOne card for travel outside of the United States when merchants do not accept XXXX XXXX. My XXXX XXXX card was also hit with fraudulent charges and the issue was immediately resolved by XXXX XXXX without me losing any money out of pocket. With CapitolOne, I was forced to pay the fraudulent charge. I then closed my account due to the lack of protection from fraud.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

Once again Caine & Weiner, you are XXXX me off.You are violating my consumer rights under congress. Im advising you that you cure this with me privately before I pursuit litigation. You stated in my previous cfbp case XXXX that it was a duplicated and it is not. Once again you're giving me false and misleading information and you did not provide me proper validation. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Florida State Statutes for Lawful Purposes. 3.A copy of the contract signed by both parties and therefore binding both parties. 4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (FL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2020-10-16
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: EQUIFAX, INC. (MO)

I am writing this letter because there are accounts being reported that's not mines. 
XXXX XXXX XXXXI have have no acknowledge of this account XXXX-I have no acknowledge of this account XXXX  XXXX XXXX-I have no acknowledge of this account XXXX XXXX XXXX I have no acknowledge if this account
Consumer complaint received 2018-06-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

I tried to remit money to my account in XXXX which I have always done with Western Union. I selected the transaction and they sent me information where I have to deposit the money to which was their account with XXXX XXXX XXXX. I went to XXXX  XXXX XXXX and presented the information they sent to me and gave them my bank card which they used to do the cash advance from my account and deposited the cash to Western Union account with XXXX XXXX XXXX. I called Western Union to report that the transaction have been completed so they could complete it on their own end but they told me its suppose to be wire transfer which I have never ever made before. Then they said they will refund me my money, it been three weeks yet I have not received my refund and one of their agent cancelled my transaction without my consent or even refund. All of a sudden, they again turn around to say they never received my money after one of them confirmed receiving the money. I went back to the XXXX XXXX XXXX couple of times and one of the banker who was a witness spoke to Western Union agent on the phone and told them to send my money back if they will not do the transaction, yet till this day I have not seen my money. Spoke to XXXX XXXX XXXX Manager who was aware of the situation, he asked me if I think is a fraud and I told him if its a fraudulent account he will have to know but he never responded and told me to continue to wait for them to send my money back to me. Please see the attached evidence that the payment was made cash to the account they sent me. 
I have showed them evidences severally, yet they are holding unto my money.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OH)

Home Depot purchase washer and dryer on XX/XX/XXXX NO interest for 12 months ending XX/XX/XXXX. Faithfully made monthly payments and remitted final payment of {$300.00} toward promo balance due of {$210.00}, remaining XXXX to second promo beginning XX/XX/XXXX for water heater purchase {$1500.00}. 

Eagerly awaited next bill to record this transaction paid in full and to my dismay was charged {$230.00} interest!! 

Immediately contacted Home DepoXXXX and was told that because of the way payment had been allocated there was no way to correct. Not understanding what had happened, I was very confused and upset. Asked to speak to supervisor 's boss who was not available and was given a message to call me. Never did hear back so attempted to resolve by calling on XX/XX/XXXX and was again told that this was not THEIR mistake and ; therefore, couldn't be fixed. 

I am a senior citizen on a fixed income yet offered to pay entire second promotional balance in full. I understand that is not satisfactory without paying adjusted interest? 

Today, I have submitted a payment for {$1400.00} less interest charges. 

Note after submitting this payment, I check payment activity and a screen popped up with " allocation '' information. It is extremely confusing and easily misunderstood. After reviewing, it would seem the account holder is directing Home Depot to make additional payments to other promo balances and why would that be necessary? I would appreciate your thoughts. I believe the rest of the consumer public needs to be made aware. ( Unfortunately, could not locate this again to attach for your own review ) Thank you.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for an XXXX XXXX credit card today XX/XX/2020 and I was not approved. I called to ask for the reason why I didn't get approved and they told me that it was because there were three accounts that were maxed out on my credit report and some inquiries ; I had no idea what they were talking about since I barely use my credit cards but after looking through my credit report I saw those accounts and none of them belong to me. I did not open those accounts and I have never allowed anyone to open those accounts in my name. I do not have any written/verbal contract with those companies and I have never gained anything from those accounts such as money, goods, services or any other benefit nor have I ever made any payments towards any of those accounts. I filed a police report as soon as I found out about these accounts as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2021-04-06
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: Experian Information Solutions Inc. (PA)

I am a victim of identity theft. So I made a police report and submitted it to Experian and the other credit reporting agencys. Then the next day experian emailed me back saying my police report was fraudulent. Which is not true. My police report is not fraudulent I went to the police station and filed my report and got a copy of the report. And that is what I submitted to them. Them accusing me of fraud is very hurtful and insulting. I was so shocked and disgusted when and offended when I saw that email response from experian. I am attaching a copy of the police report and a copy of the email to this complaint.
Consumer complaint received 2021-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Richmond, Inc. (CA)

Hello, I have a {$410.00} medical debt that has been on my credit report. I have attempted to dispute the debt multiple times and it still in my report. The debt listed is from a vehicle crash on duty. I was taken to the hospital and the incident was listed as a workers compensation case. The company I worked was emailed and they have acknowledged via email the debt is theres and they will pay it off upon receiving a bill. I myself and my ex employer did not receive a bill.
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC. (LA)

On XX/XX/2018 I filed a complaint they the cfpb with an alleged debt of XXXX XXXX XXXX. The account was closed and removed from my credit report but put back onto my credit report several months later with any formal notice or validation of this alleged debt. I am allowed under the Health Insurance Portability and Accountablity Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is only should be revealed with patients authorization. Therefore, my request is twofold, validation of alleged debt and HIPPA Authorization. Please have company note that withholding the information received from any medical provider in an attempt to be a HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I also would like a reason as to not being notified of this alleged debt being placed back onto my credit reports without and notice after it had been removed after filing a complaint in XX/XX/2018. According to FCRA I should have been notified or contacted, neither was done. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the FCRA. If this information can be obtained I will need the name of the person providing this data and the way that it was provided. If you can not obtain the information requested with the original creditor within the required time frame ( 30 days ) please delete this account from my credit report with all bureaus and that it can not be sold to another collection agency.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) XXXX ... XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRSTBANK (CO)

I suspect FirstBank of Colorado uses deceptive account balance alerts to generate overdraft fees form consumers. 

On XX/XX/2018 I received an alert notifying me that my account balance was {$60.00}. In fact, the balance at the time the alert was sent was {$37.00}. Had the bank accurately reflected my account, I would have immediately moved money over from one of my other 4 accounts and avoided an overdraft charge. The bank has refused to acknowledge its error and refund the overdraft fee. Rather, it stated that it is not responsible for inaccurate information sent in account alerts. I suspect this is by design to churn overdraft fees. 

The bank also sometimes fails to send notices as promised. Sometime before XX/XX/2018 my account dropped below {$100.00}, but the bank failed to send me the account balance alert that I had contracted for. Again, I would and could have transferred money from one of my other four accounts had I received the notice the bank had contracted to send. The bank disclaimed any responsibility and refused to refund the late fee.