davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MD)

AFNI , Inc. submitted a collection to all the credit reporting agencies for a debt that I did not owe on behalf of XXXX XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they confirmed that there is no record of my ever having an account with them. I then called AFNI , Inc. and was told that there was an account. I told them what XXXX XXXX XXXX XXXX told me. AFNI , Inc. said that they could only go by what XXXX XXXX XXXX provided. In the meantime, I have an erroneous report on my credit record. I also filed a complaint with XXXX. I believe my information was obtained during the XXXX breech. Also, there has been a lock placed on my credit record for the last five years and there was never any inquiries from XXXX XXXX XXXX XXXX. Therefore it can be said that the information sent by AFNI , Inc. to the credit bureaus was deliberate and fraudulent.
Consumer complaint received 2021-12-16
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. (PA)

Hello CFPB, I recently reviewed my credit profile and saw that an account was unlawfully added to my credit profile without notification. I am attaching this dispute to Equifax, XXXX, and XXXX so that these account ( s ) can be removed immediately. They have impacted me and my ability to proceed with expanding my business and achieving my personal goals in life. 

I ask that these accounts be blocked and/or deleted from my consumer profile immediately.
Consumer complaint received 2021-12-16
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: Paypal Holdings, Inc (NJ)

I received an email from PayPal confirming the purchase of XXXX XXXX XXXX for {$180.00}. I did not make the transaction. It is fraudulent. I immediately went to my PayPal account online, but the system told me I could not report fraud on that type of transaction. So, I telephoned PayPal customer service and the told me they will open a " case. '' I asked to close my PayPal account. They refused, saying it was not possible until the case was resolved. They said I must WAIT 30 DAYS TO CLOSE MY ACCOUNT! They refuse to delink my credit card and email address. So I remain vulnerable to fraud. I called the credit card company and asked them to block the transaction which they did immediately. I telephoned XXXX and they said they could not help me. PayPal said they can only cancel the fraudulent transaction if XXXX agrees and in the meantime I must keep my account open. This is insane.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I got the XXXX Synchrony bank card a couple of months ago because I do a good amount of sport card purchases and selling on XXXX as a hobby. They had a really good reward point plan like 5x until the end of the year and I was trying to take advantage of the program by using the card on all of my XXXX purchases. 

It only had a {$5700.00} limit so I had to make payments mid cycle to increase spending limit as to make more purchases. 

They constantly put like 10 day holds on all of my payments to slow me down for the past 3 months or so. I missed several opportunities to use the card and accumulate addition points due to these excessive holds. 

Today I was going to get like {$1000.00} worth of points to buy items on XXXX and was excited to do so after months of card use as you can not use the points until a cycle or XXXX after the purchase date. The card was declined when trying to purchase the items from XXXX. I looked online, utilized customer service chat and called the company to see why my card was not working. It turns out they cancelled my account without notice on XX/XX/21 and were sending me a letter with a detailed explanation as to why. 

After 2 additional hours on the phone with the company on hold and transferred to multiple run arounds I was finally told the reason for cancelling the card was high risk of not paying balance. From customer service I was redirected to the billing department who confirmed I had no balance issues and no delinquent payments. I was then sent back to customer service where they said the credit bureau report caused the cancellation by the system and there was nothing they could do about it and nobody that could fix it. This information was confirmed by a supervisor. 

Important side note is if your account gets cancelled you forfeit all of your points. 

They have no evidence of lack of ability not to pay balance. Zero missed payments or late fees anywhere. Coupled with a credit score near 800 seems a bit fishy and a move to avoid paying out my mega point bonus!!! 

Seems like they are using the ability to cancel cards in the contract to benefit themselves and when somebody is set to benefit from their rewards a bit too much they will cancel your card and forfeit all your rewards conveniently. Probably dont cancel any contracts they are making a profit on Please review and look into this case as it seems highly irregular that my card was cancelled. The reason for cancellation is completely inaccurate and without any evidence. This appears to be an abuse of the consumer to clearly benefit them and not the consumer. 

Having accounts closed like this negatively impact ones credit score and I have already received alerts about my credit score due to this inappropriate card cancellation. 

Thank you for your time and effort in the review of this matter.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/XXXX there was an Amazon Store Credit Card opened in my name that had made a purchase of {$560.00} to an address that was near me but not my home. On XX/XX/XXXX there was another purchase made with the same card to a different state with the purchase of {$970.00}. 

I had called amazon asking telling them I had no knowledge of these transactions or these cards. They simply returned the money and ask that I call again if there where any issues. Amazon gave me no advice or information on what might happen to the account or card. 

I then received the card in the mail. I then called the number on the back of the card asking if I could close the account or freeze it, as I had no knowledge of how this account was made or how. They simply did the same thing ( refunded the money ) and asked me to call the bank associated with the card. I could no get a hold of the bank because I needed the Account number associated with the card in order to start asking questions about it. 

I then Printed My Credit Report to check if any other cards had been opened under my name and address.
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

A Capital One credit card was opened in my name in XXXX/XXXX/2013. I did not apply for this card and I never used the card. Capital One can has NO receipts with my signature. 

I am asking that this account be removed as it is not my account. I never applied for it.
Consumer complaint received 2022-11-15
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: CBC Companies, Inc. (CO)

This request is to have a fraudulent Hard Inquiry removed from my credit report on the three major credit reporting agencies ( XXXX, XXXX, XXXX ) as well as the consumer credit and verification company that processed the Hard Inquiry ( Factual Data ) and then provided that information to at least the credit reporting agencies listed above and possibly others that I am unaware of. 

I was notified by a bank with which I do not currently do business ( XXXXXXXX XXXX  ) on XX/XX/2022 and informed that a new bank account had been opened under my name and SSN. Fortunately the bank employee felt that it was suspicious so they called me to discuss the matter, and then closed the same account due to the believed fraud. They also warned me that the perpetrator had all pertinent personal information including SSN, XXXX XXXX  #, etc. 

Since that contact I have continually been contacted/informed of ongoing additional activity to include multiple mortgage refinance accounts in process at numerous lenders. I have also received credit monitoring information on a hard inquiry under my identity, and in contacting them have since learned that there are additional potential attempts to process applications for bank accounts, credit cards, etc. 

I have since received phone calls and mailings under my name ( XXXX XXXX ) and SSN which indicates my identity and SSN has in fact been breached and is being used fraudulently. 

My wife and I have also now been receiving phone calls and mailings under just her name ( XXXX XXXX ) and SSN to include completed mortgage refinance applications being attempted, also indicating that her identity and SSN has been breached and is being used fraudulently. 

This activity continues to be ongoing still, with the latest being last night when she received a completed thick multiple page mortgage application to be signed, and also a voice mail this morning from an additional different vendor to discuss a mortgage refinance being processed under just her name and our address.

The Hard Inquiry on both of our credit reports occurred on XX/XX/2022 by Factual Data credit reporting agency. I contacted them on XXXX to dispute the inquiry and have them remove the inquiry from all three of the major credit reporting agencies. They indicated that they would start the review process to do so, at which time that also told me that I should contact the CFPB and start the process here as well. 

I have started a crime incident report with local law enforcement ( XXXX XXXX XXXX Colorado ) and was told that the process may take some time as well. They did provide me with a Fraud/Identity Theft Incident Report tracking number which is XXXX.
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX Citibank charged my account a $ 12 monthly maintenance fee plus an additional {$34.00} for not having funds to cover their {$12.00} fee. I asked them to stop doing they continue to charge excessive and unwarranted fees. in addition to these fees they also rejected a debit card transaction on the XXXX from XXXX in the amount of {$170.00}.. I then used my bank account and routing number. They bounced the check even after I deposited the funds to cover the check. It appears this bank is taking advantage of persons with low balances. The total amount debited from from my acoount in the last 30 days is {$68.00}. I want my money refunded.
Consumer complaint received 2016-02-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

On XXXX XXXX we received notification via mail from Ditech the company that services our mortgage that our escrow account is negative over $ 13XXXX. As you can imagine we were shocked to say the least. The escrow statement was the first XXXX we have ever received from Ditech and first notification that we were ever negative in our escrow account. We called Ditech to get answer as to why we were never notified of such an amount negatively affecting our account and the rep for Ditech advised us our escrow account has been negative since they took over our mortgage in XXXX XXXX. She continued to tell us that any negative escrow amount would 've been notified on our monthly statements. I challenged that claim and she verified that indeed it does not show on monthly statements nor does it show we were negative using Ditech 's customer web portal. I have attached a few statements and screenshots from their customer portal indicating nothing was communicated to us via mailed statements, website, phone or mail that we are negative more than XXXX in escrow until recently. In their history of statements in their web portal they have never issued escrow statement for XXXX XXXX nor when we use their customer escrow portal tool does it state we were negative. We have listed our house for sale as direct result of this issue. So how does a company expect us to pay the overage when we were never notified and the information was hidden from us?
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On my chase account ending XXXX they said they sent a notification of account closure but i never received anything. I found out due to checking my credit and seeing that the account was closed. 

I called and all they would say is that a notification was sent and that i could have called and got it reinstated but since i never got it that wasn't an option. 

Chase was less than helpful in wanting to figure out the root cause. They brushed me off and said they sent it and washed their hands clean. I want an investigation to find out why they didn't follow the credit card of 2009 and why they don't care.
Consumer complaint received 2021-12-15
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. (TX)

I recently received a copy of my credit report and i noticed for the second time an account on my consumer credit that should not be there. XXXX XXXX XXXX XXXX XXXX acct. # XXXX the last payment amount XXXX on my Equifax credit report does not match the XXXX XXXX XXXXXXXX XXXX  XXXX the amount XXXX. ( See attached XXXX XXXX letter dated XX/XX/2021 and Equifax credit report file # XXXX. This is a violation of the FCRA 611 1681i. Please delete this account from my Equifax consumer credit report now and send me a corrected copy of my credit report
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

TransUnion credit bureau denies receipt of a request for deletion of a collection account from XXXX XXXX XXXX. XXXX XXXX XXXX informed me they sent the request on XXXX/XXXX/16. Today, XXXX/XXXX/16, XXXX XXXX informed me they sent a request to all XXXX credit bureaus a total of 3 times. XXXX XXXX is a 3rd party vender for the city of XXXX XXXX, who issued me citations because a tenant failed to water the lawn. I paid the citations in early XXXX, 2016.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After having recently been denied credit based on a report from TransUnion, I requested a copy of my credit report, found several inaccuracies, submitted a request for the credit report to be corrected, and subsequently received an e-mail notification that " Your Investigation is Complete '' with partial results. 

The top of that results page read, " If you are not satisfied with the resolution or the updated report ... then you may print and complete a Request for Investigation form and return it by mail. '' The underlined text linked to the URL XXXX, which says at the top of the page ( apparently incorrectly ) that consumer options include " Initiate an investigation at XXXX '' even though that is not actually an option. Visiting that URL and authenticating my information I was just brought back to the results page from the previous investigation, without any opportunity to report or request correction of new errors introduced into the report as a result of that investigation, or questions that went unaddressed. This is also true of the URL linked to at the bottom of the updated credit report, dispute.transunion.com. 

Further, the bottom of the page with the results of the investigation stated in small type " Should you wish to contact TransUnion, you XXXX do so, By Mail : TransUnion Consumer Relations, XXXX, XXXX, PA XXXX ; By Phone : ( XXXX ) XXXX. '' This ZIP code differs from the ZIP code for what is otherwise the same address, printed on the Investigation Request PDF ( URL given above ; XXXX ). 

When calling the phone number during listed hours, I was told it was the wrong number to call and I had to instead call XXXX to reach the Fraud Victim Assistance Department and re-authenticate with all my personal information again, without any capability of transfer or ability to ask questions of the rep. who answered at the published phone number, and without any automated system being able to recognize from the file number I 'd entered where to properly direct the call. In my last call, there was a full minute of silence on the other end of the line after entering in my file number as requested, suggesting the call had been disconnected. This is another step effectively discouraging inquiries. 

The above paragraphs describe ways in which TransUnion makes it considerably harder than necessary for consumers to correct misinformation that they are reporting about their credit history, and further decreases confidence in their competence for accurate reporting or sensible policies. 

Please set or enforce regulations that allow customers to request the correction of incorrect information included in credit bureau 's reports about them without unnecessary difficulties added into the process.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BlockFi Inc (PA)

I signed up for a BlockFi credit card with cryptocurrency rewards program in XX/XX/XXXX. They initially offered a very high reward interest rate of 6 % for up to XXXX XXXX as shown here : XXXX XXXX XXXXXXXX Over time, they continued to lower the reward interest rate and the amounts, with the latest rate change being shown here : XXXX XXXX XXXX XXXX appears that this credit card and rewards program is part of an elaborate Ponzi scheme where BlockFi offered high interest rewards in order to acquire real assets and liquidity. They then freely chose to spend and use customer 's assets for their own risk and benefit. 

While this was described as a custodial account service that I maintained ownership to, funds in my BlockFi deposit address ( XXXX ) began transferring out without my consent on XXXX as shown here : XXXX XXXX  XXXX It is unknown who is in control of this address and the other addresses where my assets continued to transfer to, but this address is currently empty : XXXX On XX/XX/XXXX, XXXX XXXX XXXX XXXX of BlockFi, assured customers in a long XXXX thread that all BlockFi products were fully operational and that they were an independent business entity, stating they have a $ XXXX line of credit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and will remain an independent entity until at least XX/XX/XXXX. 
XXXX XXXX XXXXXXXX On XX/XX/XXXX, BlockFi posted the following status stating they were limiting platform activity due to lack of clarity with XXXX XXXX XXXX : XXXX On XX/XX/XXXX, I received multiple communications from BlockFi stating my credit card was deactivated and that I was still responsible for payments. The card had been declining for about a week prior due to non-sufficient funds errors, while having sufficient funds. It is my belief that they began deactivating card services prior to any public announcement about XXXX and also lied to customer 's on XXXX in hopes to keep as many funds on their exchange as possible. 

It is my further belief that cryptocurrencies paid for rewards may have been obtained illegally and actually paid out with customer 's assets. The sources of all rewards payouts needs to be investigated by blockchain analysts. Where these assets came from and where they all moved is very easy to determine and all recorded on the blockchains involved. 

Additionally, due to BlockFi suspending and limiting activity, no cryptocurrency assets from the rewards program are currently accessible. It is my belief that the entire program was setup to operate an elaborate Ponzi scheme where BlockFi freely chose to operate on a fractional reserve system. No assets they used and stole were backed with like cryptocurrency.
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Equifax Information Services has failed to dispute inaccurate information contained in my credit report. Equifax is simply sends me letters stating. " we have received your dispute, and have reviewed it. '' Equifax is intentionally neglecting to comply with more than 19 disputes over a 90 day period. Equifax is stating an item was verified, however following up on that dispute directly, no CDV was ever sent by Equifax. Online disputes are not being submitted and a standard letter is being mailed out. Unaccecptable.
Consumer complaint received 2015-04-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I did not receive Notice of Sevice Transfer from Bank of America until 9 days before it is due to changee. I received it yesterday ( XXXX XXXX, 2015 ) even though the Notice Date says XXXX XXXX, 2015. If I am paying a bill through the mail and want to avoid late fees, it is MY responsibility to make sure that I send it in a timeframe which will guarantee it will arrive ON OR BEFORE the date it is due. Why is n't a BANK held to the same standards? Also, I do n't know if it is pertinent, but I am XXXX and they sold my loan to XXXX, a company that has been sued. I never missed a payment, my loan is in good standing.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage told me to submit some paperwork to have autodraft enabled. I submit the paperwork. I was denied autodraft and never was notified by the company that I was denied. To this day I have never been told why I was denied. Later when I was under the impression that autodraft was working I received a delinquent bill phone call from Carrington. So I tried to pay my bill over the phone but was informed there is a XXXX $ charge to do so. So when I went to pay online I was informed that my account is delinquen and I ca n't pay online but that I HAVE to incure the XXXX $ charge to pay over the phone.