davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Balance : {$2600.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4700.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
Consumer complaint received 2019-05-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Mercedes Benz Financial Services (MD)

XX/XX/XXXX- I leased XXXX XXXX XXXX 2016, Representative XXXX showed me the car with all the features but gave me a different one without any features. The one I brought home had only the basics and it was the same car. When I brought this concern to the supervisor and also to the few more representatives working there, they didn't address the issue. So, I managed to pay the whole lease even though it wasn't the car I picked. I was told that representative who sold me the car had been terminated because he cheated several clients. 

At the end of the lease XX/XX/XXXX, I emailed the company multiple times because I wanted to purchase the car and no one showed any interest. I was also at the dealership because I wanted to purchase the same car or maybe another car XXXX  XXXX, 2016 which I really liked. They said, someone will call me soon and no one ever reached out to me. I received a statement saying that I owe company {$1200.00} because the termination fee and I scratched the door. When I returned the car they actually inspected the same day and there wasn't any scratches. Also, the termination fee was never mentioned to me when I leased the car. I paid the whole lease off so I am not sure, why they want me to pay more money. I am an XXXX student and I have a lot of student loans to pay off so please help me out in this situation. 

Thank you, XXXX
Consumer complaint received 2020-10-10
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: EQUIFAX, INC. (OH)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I requested to be put on a Covid forbearance plan in XX/XX/2020 via phone call and the company agreed to under the CARES ACT. Up until that point, I was on automatic payments. Shellpoint stopped the automatic payments as they were putting me on this plan. This was done as I was on the phone with them. There should be a recording of this call. I realized in XX/XX/2020 that Shellpoint never put me on the plan because I checked my credit and the score dropped. I immediately called back and they admitted no wrongdoing and failed to rectify the situation. I got the forbearance plan instated and it has been active from XX/XX/2020. I then tried many times to speak with my point of contact XXXX XXXX XXXX with no success. Also, they sent me a letter saying they determined an error did not occur. They did not provide any proof of this and have not provided me a recording of our conversation from XX/XX/2020 which would prove my setting up the forbearance and Shellpoint not following through.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I am a XXXXr in the XXXX and will be moving to XXXX  in XXXX. I have been looking for apartments online and found a 2 bedroom 2 bathroom apartment for rent at XXXX XXXX XXXX unit # XXXX, XXXX, HI XXXX. It was listed on the XXXX website who works with XXXX. I emailed the broker, XXXX XXXX. He emailed back saying they could hold the apartment for me if I sent the {$2800.00} security deposit and {$2800.00} 1st months rent, so {$5600.00} total. He also sent a non-binding lease and said if I don't like the apartment in XXXX, we can cancel the lease and get our money back. I signed the lease, XXXX XXXX ( real estate broker ), and XXXX XXXX XXXX ( land lord ) also signed the lease. I then sent the {$5600.00} from my USAA account to XXXX XXXX XXXX XXXX account, account # XXXX, routing number XXXX on XX/XX/2021. XXXX emailed back confirming receipt of the payment and said we could do a XXXX meeting on the weekend of XXXX XXXX to view the apartment, as the current renter 's lease was up the 9th. I said either day would work and asked what time. After that I never heard back. Throughout the next week I sent 4 follow up emails and left 2 voicemails at both his numbers, XXXX and XXXX, with no response. I then filed a dispute with my bank ( USAA ), as I'm now realizing it was a scam. My bank contacted XXXX XXXX  and they were unable to recover the funds and I will not be receiving any of the {$5600.00} back. USAA has told me there is nothing they can do, as the fraud department was unable to recover the funds.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NJ)

By XX/XX/2022 I got a mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon opening the mail.it was an identity theft some one use my info behind me and get a credit card and I responded to all the mail that I do not trasact any bussiness with what I'm.be sued until they sued me to court and I reported this to the 3 credit bureau which they took out the debt from.my credit because it was not my account and they still went ahead and took me to the superior court in new jersey which I responded to all the mail a d when the collection agency sent the invoice of the fraudulent transaction I quickly noticed who did the fraud because on the invoice show my name and the address on the invoice I never leave on the address and layer I realized that was where my ex use to live and that was when I knew it was her and I went to the XXXX police to sue her for identity theft and they said I need to get a mail from the original debtor which I call so many times and they never pick up and I went back to XXXX XXXX  and says they can't do nothing. And also this particular person that stole my ID is also has another fraud she did which buying a furniture 8 years ago when we still together and when she move out of nj I call her every month not to destroy my credit and she says she's paying until after 2 years got a mail from same XXXX XXXX XXXX XXXX that the monthly payment for the furniture has not been paid for a year and I contacted my ex and I had her with XXXX XXXX XXXX XXXX XXXX and they ask her to send all the payments to them which she lied she did and she never did and I was XXXX by XXXX XXXX XXXX XXXX and as a spiritual man.i take responsibility for what I did I bought the furniture for her with my card and I had an accident then and in my pain I was able to pay XXXXXXXX XXXX XXXX and they keep harassing me calling me at odd hours that I had to block all the numbers they call me and while the case was in court they keep sending me.different mails and I had reported them.also to the arttoney general of XXXX XXXX  and they are trying to garnish my wages which I got an electronic mail from.the court.tell them to go else where to look for free money.i word hard for my money to XXXX for my family not to pay no.money I know nothing about and they should stop sending mails.to.my house.
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (NC)

On XX/XX/2024, I found a collections in the amount of {$170.00} recorded on my credit profile. It is listed on XXXX, XXXX, and XXXX. I have never heard of Amsher Collection Services, who states the original creditor is XXXX. XXXX was paid in full so I do not understand why this collection is placed on my profile. Attached are three documents which show payments were made to XXXX. I request this collection to be removed from my credit profile within 15 days, from all three credit bureaus.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXX - Filed to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Filed again to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Sent an email and removed myself from all communications from my bank to try and prevent more offers from being sent. This is after filing the same complaint against the same bank from the previous year. After I moved, they resumed sending me offers even though I have gone through this process less than a year ago.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

On XX/XX/XXXX I called chime bank because my debit card wouldn't work.They informed me my account was closed due to deposits that don't meet the requirements.Intold him it's the same deposit for over a year..I had {$360.00} in my account.and was told it's being held in case of some fees.which there was not any.Its been 3 months and I still have not received my money.They can just mail it to the address on file.I have tried calling them back but got no help.
Consumer complaint received 2024-03-18
Product: Credit 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: BARCLAYS BANK DELAWARE (CA)

The company charged me from last year as I reported that the card was lost in mail. 
I am requesting them to provide me compelling evidence/documents as I must present this with my lawyer that the chargeback to prove the transaction was valid or otherwise contradict the chargeback as I reported to them that my card was stolen and compromised. 
Attached is a police report that our mail was stolen. 
I am a victim of identity theft, and I did not make or authorize this charge. 
I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-19
Product: Credit 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: Block, Inc. (NY)

I submitted a dispute on XX/XX/26 for XXXX the dispute has been " under review '' for over 45 days, I did not receive any provisional credit. Also no update has been given to me about the dispute, I provided all supporting documentation while making the dispute. Every time I reach out to customer service I keep on getting the same " 45 days ''. The 45 days time frame has passed and no update has been given to me. I need my money back from this merchant. cashapp username : $ XXXX. Email : XXXX XXXX
Consumer complaint received 2018-06-11
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. (FL)

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. Account XXXX XXXXAccount XXXX XXXX XXXXFraudulent inquireXXXX XXXX XXXX Date Filed XX/XX/XXXXXXXX XXXX Date Filed XX/XX/XXXXXXXX Date Filed XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.

Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i have XXXX hard inquiries that do not belong to me i have tried to contact the companies and transunion several times but everybody keep giving me the run around XXXX XXXX XXXX XXXX XXXX XXXX XXXX trans union
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Trans Union properly reported a student loan with XXXX as being paid in full, closed, in good standing, with XXXX balance, only to return the account to a balance status several days later. The loan with XXXX is indeed paid in full, closed, with XXXX balance, and should be reported as such.
Consumer complaint received 2018-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

InXX/XX/XXXX I had opened up an account at the branch and they were offering a promotion to refer customers to HSBC. Each new account customer gets a {$250.00} bonus for being an " Advanced Checking Customer '' if acct is funded with $ XXXX. 3 months go by and I following up with bank that it still missing. They credit the account with {$100.00} and missing {$150.00}. I contact the bank again. They said it takes 8 weeks to post after the acct is opened for 3 months. After 5 months still not resolved. At 6 months, we follow up again and they said give it another month. So I've already placed at least 5 phones calls to the branch and main number. On XX/XX/, we call HSBC main number and they find the wrong promotion code is entered and file an investigative report. Said to give them a week and they will call back. I called them on XX/XX/, and they have no idea what is happening and still not resolved. I am filing a complaint in that they are misleading people to opening accounts but will not commit to the advertisement. They hold onto your money with no one taking charge to resolve the case. You can't close your account as they hold this issue open as hostage and charge you a penalty if you close prior.

This the 2nd complaint I'm filing as they have said they will escalate and then closed the case before it was resolved. When I called in and I had the customer service representative, XXXX to note on the account that my mother, XXXX, to be given full authorization to discuss all aspects of this account as I was traveling out of the country and yet they would not disclose the resolution to her. Because they did not fund the account in a timely manner, I was likely hit with charges while traveling abroad. They should reverse any account charges as if the funds were there. 

Very poor customer service. They refuse to provide a number to call into the corporate office. They would only provide an address to write in and it may take 30 days to get a response.
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (VA)

Contacted by voicemail from an unknown caller on XX/XX/XXXX from a woman who claimed to be with the XXXX XXXX County Processors office to call a # regarding a debt being collected. Called # left in voicemail and was directed to XXXX XXXX of XXXX and XXXX who advised that my husband and I owed over {$2000.00} from a charged off account from Wells Fargo fromXX/XX/XXXX. I called Wells Fargo to verify the claim and they could not validate this claim. When I called XXXX back at about XXXX I requested that he please provide me with the supporting information for this supposed debt he refused to provide such information but stated that it would be revealed in court! I called the courthouse just after we hung up and gave them all of this information and they advised that it sounds like a scam! The telephone # provided for this company is XXXX
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (IL)

During the last 3 weeks, ive had the XXXXXXXX XXXX XXXX XXXX store in XXXX illinois make unauthorized charges to my payroll card, and XXXX has refused to reverse the charges. 

They have on 3 seperate occasions " XXXX out '' my account, the first time taking XXXX. And change, the second time XXXX, and the third time {$1.00} The payroll company wont refund the amounts, and XXXX is simply charging my card, even though ive never given them any authority to take money, without my SPECIFIC PERMISSIOXXXX. 

I have paid on my account at XXXX with this account in the past, however they took it upon themselves to take my debit card number, store it, and then choose to take every cent that was on the card at their convience, when i didnt call them to pay.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (LA)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by Scammers which involved me making deposits for a total of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc. (FL)

I am not liable for this debt with XXXX and I do not have a contract with ADVANCED COLLECTION BU plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$4900.00}
Consumer complaint received 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CO)

Cardinal Financial ( XXXX XXXX has not refunded my {$4300.00} escrow balance on a mortgage loan I paid off on XX/XX/2021. I've reached out by phone several times and each time I am told they need to process a work order to reissue my check refund but there is no sign of the problem being resolved. My online account still shows the original refund check was scheduled to process on XX/XX/2021. I have not received it as of today XX/XX/2021.