davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (NV)

On XXXX XXXX XXXX XXXX an online bank took {$1100.00} from me this is the day on my birthday I cried that day I was not able to go through with my birthday plans nor did they care I also was in XXXX Georgia this time with no money XXXX they told me they will send a check within 10-14 days. On XX/XX/2019 I contacted them & they said they would 2 day ship my check to me. Today is XX/XX/XXXX and I had to email this lady ( XXXX ) 2 times before she replied to tell me I wont get a checked shipped to me till Tuesday or Wednesday or when she gives me a tracking number. This has caused me many financial problems & emotional stress. Im in debt because of these people.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I received the first written letter back in XXXX indicating that my QCARD credit limit had been reduced from {$500.00} to {$100.00} due to no purchase activity on the QCARD. Last year I used the QCARD and paid off my purchase and had not used it since. I received a letter dated XX/XX/XXXX stated that SYNCHRONY BANK has decided to close the QCARD account. The QCARD account has a XXXX  balance and there has been no activity. There reason for closing the account is that they used a credit scoring system to predict my creditworthiness and based upon some information used form XXXX XXXX XXXX. 

SYNCHRONY BANK does not like consumer 's with XXXX QCARD credit balances.
Consumer complaint received 2019-06-07
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: AMERICAN EXPRESS COMPANY (NY)

I left my employer XXXX XXXX  XXXX in XX/XX/XXXX and closed my American Express corporate card ( to my knowledge ). In XX/XX/XXXX of this year I receive calls from very aggressive debt collectors telling me that I have a balance on my corporate card. That rather then sending me a letter I should immediately pay by phone. 

I assume this is a scam and I hang up. 
Then in the mail I receive a letter asking for {$140.00}. They claim I made a purchase at something called XXXX in XXXX of XXXX. 


Obviously I didnt. How did this charge go through? Why was I not sent a bill ( I was still an Amex customer. ) Why was I called by an aggressive debt collector. I called them and after being passed to 5 different people its potentially resolved but I have not received in writing that it is or that my card is actually closed ( does the card come with lifetime liability? )
Consumer complaint received 2020-09-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MS)

In XXXX, I was notified that my loan was being transferred. I called Carrington Mortgage to cancel all pending ACH debits attached to my account. Instead of cancelling all ACH debits, they continued to debit my account of almost {$1300.00}. I had already begun making payments to the new mortgage company effective XX/XX/2020. I was told by Carrington they could not return the money to me even though it was their fault all of the ACH debits were not cancelled as requested.
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I recently have had my cash App card ending in XXXX information stolen and unauthorized purchases have been attempted to be taken out of my account. After reporting the card and issuing another card, I've had numerous different reoccurring charges I've already set up priorly on that old card attempt to go through and have had some actually go through when I was unaware of the issue. My activities tab which informs me of recent transactions doesn't actually give accurate information when put into comparison of my actual monthly cash App statements. I thought it was an issue of malware just on a specific device, but the issue has translated literally onto any device I've signed in on the account from. Prime example of my issue, It says in my activities tab that I was refunded on XX/XX/year> {$420.00} when I know for a fact that Sunday I never received that refund from XXXX XXXX XXXX ( XXXX ), but actually received the refund on XX/XX/year>. Most importantly I remember specifically regarding this refund it didn't even initially show up either on my activities tab until days later but showed up in my current balance of my cash app account. I know that my payments for certain things are also different than what are shown also, and other purchases aren't even listed at all for me to find that I purchased.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Diversified Consultants, Inc. (FL)

Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under Diversified consultants and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX  that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof. 
Also please if possible CFPB I'm unable to send this complaint to all 3 credit bureaus can this also along with my attachments be forward to XXXX and XXXX, I was only able to add 2 additional companies so I also sent this complaint to Diversefied consult and XXXX.thankyou in advance CFPB for your help with this matter!
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I  humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof. 
Also please if possible CFPB I'm unable to send this complaint to all 3 credit bureaus can this also along with my attachments be forward to XXXX and XXXX, I was only able to add 2 additional companies so I also sent this complaint to XXXX XXXX and TransUnion.thankyou in advance CFPB for your help with this matter!
Consumer complaint received 2019-06-07
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. (GA)

Im trying to remove my bankruptcy XXXX I never use it hurting me bad and I want to remove the inquirys on my credit ASAP .. someone use my information framing me.. please help.. I want to take off the security freeze on my credit.
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TCF NATIONAL BANK (MN)

I had a bank account with TCF Bank, On Wednesday XX/XX/2019 for someone. The check was XXXX dollars, XXXX was confirmed so that got taken out of my account the same day. Prior to that day I was able to use my bank card, once the other XXXX got deposited on my card my account was being shown as negative but I had XXXX on my card before XXXX got deposited. Somehow somebody got into my mobile account and tried to do 2 mobile deposits on my account. Then when I went to the bank to see what was going on they said I had to fill out something for fraud, I never got to fill anything out. The second time I went to the bank the teller told me nothing got requested nor filled out. So she did it for me. Now I can't open a bank account until I get cleared.
Consumer complaint received 2020-09-17
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. (IL)

I contacted the credit bureaus about inaccurate accounts on my credit reports. They claimed they investigated the problem but didnt solve it. Along with this compliant im attaching my recent dispute letters with all the information included sent to them.
Consumer complaint received 2019-06-07
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. (GA)

Im trying to remove my bankruptcy 13 I never use it hurting me bad and I want to remove the inquirys on my credit ASAP .. someone use my information framing me.. please help.. I want to take off the security freeze on my credit.
Consumer complaint received 2019-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In XX/XX/2014 I was an XXXX XXXX member ( XXXX XXXX  ) with theXXXX. I purchased a used car and used USAA to finance the loan for the car purchase in the amount of {$12000.00} with an interest rate of 16.99 %. At the time i was new to auto purchases and lending and did not have any knowledge in regards to what an acceptable and reasonable auto loan interest rate would be, so i accepted the loan. Now 5 years later i have become more financially knowledgeable and have learned that 16.99 % is a predatory rate for auto loans and i feel i was preyed upon by USAA in addition to them violating the Military Lending Act. I am now in XXXX status with the XXXX XXXX and my financial situation has also changed drastically since i am now XXXX XXXX to further my long term career. Since then the vehicle has suffered some trouble and is a non-operating vehicle, so currently i am paying {$280.00} per month on a vehicle i am not able to use and is still subject to the 16.99 % interest rate. My remaining balance is {$5000.00}. I have reached out to USAA to try and work out a solution and they have told me that the only options are for me to default on the loan which would impact my credit score negatively or continue to make the payments and surrender vehicle and that would also impact my credit negatively. I have offered to surrender the vehicle in exchange for the remaining debt being wiped but they have declined and have refused further help. Any help you can provide is greatly appreciated. Please contact me at XXXX with any questions.
Consumer complaint received 2019-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

In XXXX of this year, Ditech sold my home loan to XXXX/XXXX, but notified me that any payments made to Ditech would be forwarded to XXXX/XXXX. However, while automatic payments in the amount of {$1400.00} continued to be made from my bank, XXXX XXXX XXXX XXXX, on XXXX, XXXX, and XXXX of 2019, none of these payments were forwarded to XXXX/XXXX, and subsequently, I was determined to be 67 days delinquent, charged {$140.00} in late fees, and my account went to collections. On XX/XX/2019, I paid all delinquent payments and late fees to XXXX/XXXX.
Consumer complaint received 2023-03-18
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. (TX)

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} U S DEPT OFEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I received a debt collection letter from Resurgent Capital Services for {$250.00}. When I received it, I asked them to send me a copy of a statement showing why I owed this amount. When I found out that my credit card that I have never once used had a fraudulent charge on it for {$4.00}. I immediately called the credit card company and they refused to help and redirected me back to the debt collection agency. I was forced to pay {$250.00} to clear my account. They will not help me rectify this. How can they steal {$250.00} when the balance was only {$4.00}. I never once used this credit card. I don't know who it was charged and by an XXXX XXXX in XXXX. I live in XXXX
Consumer complaint received 2021-06-26
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 (OK)

My PayPal account was suddenly closed after nearly XXXX years of business this XXXX. I have tried numerous times to get an explanation to what part of their policy I violated. I was never given a straight answer only repetitive answers that told me absolutely nothing to as what I'd done wrong. The company has placed a hold on XXXX some odd dollars and I don't know why.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (TX)

I am a victim of identity theft and fraud, I have submitted police reports also saying proof of the loan fraudulently being obtained in my name and also that the repossession should be removed. I have been denied removal of account from my credit reports and refused any response as to why this decision was made
Consumer complaint received 2021-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.
Consumer complaint received 2019-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (NY)

WAYPOINT RESOURCE GROUP is trying to collect on a debt that they can not verify. The debt was already unverifiable with one collection agency and my guess is they sold it to Waypoint resource group. Waypoint resource group has illegally reported it to the credit bureaus, they didn't send any notification to my residency, they can not verify my residency, and I was never given 30 days to dispute.
Consumer complaint received 2017-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (GA)

When my checking account was opened I opted out of overdraft protection. several times I have contacted the bank and found that the overdraft protection was never turned off. This summer my account went into an overdraft and there were no funds to cover it and they closed my account. had they honored my wishes and the law then my account would never have overdrafted and I would have had my transactions declined.
Consumer complaint received 2022-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (NC)

This account I contacted Med Data Systems with a letter on XX/XX/2022, asking them to send me information so I can verify the account and they never have. 
MED DATA SYS XXXX These accounts listed below were just added to my credit report with out Med Data Systems sending me a XXXX XXXX. I want these accounts to be removed from my profile due to them not following the proper procedures MED DATA SYS XXXX MED DATA SYS XXXX MED DATA SYS XXXX
Consumer complaint received 2019-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OK)

on XX/XX/2019 we recieved a letter stating my student loans would be consolidated on XX/XX/2019 and the first payment would be due in 60 ( about ) does not mean 30 days. Today they suddenly changed the terms without our knowledge and want it due on XX/XX/XXXX. I called and spoke with someone a couple weeks ago and he assured me it would be XX/XX/XXXX. They only called me a liar and said it was XX/XX/XXXX when I have documentation first payment will be in XX/XX/XXXX. They are practicing illegal loan terms and need to be investigated. I will be getting a lawyer. The loan is XXXX a month for 30 years.
Consumer complaint received 2022-09-17
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. (AZ)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (FL)

I have a two late payments on my credit report from Comenity/XXXX XXXX which I never be contacted through phone call or email before it happen due to an error on my automatic payment schedule with my bank, if you verify all my account have an excepcional payment up to 5 years ago, and this account continue up to date on payments after I be aware of the situation, it is hurting my current credit report and it is no fair without a previous alert from the lender, I would like to remove this two late report.
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

XXXX XXXX XXXX - I attempted to go onto the XXXX website to obtain my annual review credit reports from XXXX and Equifax. I was able to obtain the online version of the credit report from XXXX with no problem. 
However, when I attempted to get my report from Equifax, it gave me a page that said that " Online Delivery Available - We are not able to deliver your free Equifax Annual Credit Report online ''. There was no reason provided, such as not entering information correctly, etc. Instead, they want me to send them by mail, a copy of my social security card, a paystub with full social security number, or my W2 with a full social security number. I am also to provide a copy of my driver license, or several other forms of identification - EVERYTHIING needed for someone to completely steal my identity. I 'll be damned if I am going to stick this information in the mail where anyone can steal it. Instead of helping prevent identity theft, Equifax appears to be helping it along and doing everything they can to promote identity theft.