davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (CA)

I was at the XXXX dealership and when they ran my credit to see what bank would approve me for the loan I was told that I didn't qualify without a co-signer due to an account reflecting badly on my credit history. The account is from XXXX  XXXX XXXX with negative payment history with a credit limit of {$2500.00}. This account is not mine and I didn't give anyone permission to open this account on my behalf. I'm not sure who is responsible for opening this account ; I did not benefit anything from it being opened in my name such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account. I have already filed a police report regarding this unauthorized account.
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been defrauded by Capital One bank and possibly others. A credit Card was taken out, in my name. I have contacted Capital One bank numerous times with faxes and police reports stating their fraud against me. I have yet to have a resolution to my problem.
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I have no contracts with this company, they claimed to have purchased a debt that I never owed in the first place. 
( 2 of them that are separate amounts on random dates/years ) Ive also contacted them and asked for proof that I owed the debt and they were unable to provide any proof of a purchase agreement. 
This collection is FALSE an a common scam!!! ( please XXXX fraudulent XXXX collections ). 
They also keep RE-AGING the status of the collection, its been 4+ years of me trying to remove a collection that isn't mine and it always looks 'new ' because they constantly report it as such. I do not owe this money and ive given up at this point with what to do.
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Flexible Finance, Inc. (CO)

At the beginning of XXXX, my roommate and I attempted to pay rent to XXXX XXXX using their promoted program " Flex ''. We sent the money, the money was taken out of the account, but was never transferred to XXXX XXXX XXXXXXXX now claims we never paid our rent for XX/XX/2023, despite being shown bank statements proving the agreed upon amount was taken out by Flex. We have made numerous attempts at contacting Flex to resolve the issue, but no response has been given. XXXX is threatening to evict us for not paying rent. We paid our rent, it's not our fault Flex didn't send the transfer like they were supposed to.
Consumer complaint received 2024-03-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

In XXXX, XXXX  I was charged a late fee on my Amazon card managed by Synchrony Bank. A late fee was imposed due to Synchrony 's failure to debit my bank account on the date the payment was scheduled on the due date. I contacted Synchrony and they refused to remove the late fee claiming that I had not made a total minimum payment when I actually did but Synchrony applied a portion of that payment to the erroneous late fee, and that I had made a purchase in XXXX, when I actually had not. I did receive a credit in XXXX for a purchase made in XXXX that I did not receive. Synchrony refused to remove or credit my account for the erroneous late fee. I have made several attempts to remedy the issue, and informed Synchrony that I would not pay a late fee due to their error, however, Synchrony has continued each month since then to add late fees to my account after I have deducted the erroneous late fees from the monthly amount due, then Synchrony adds another late fee the following month claiming I did not pay the minimum amount due, which I did after subtracting the erroneous late fees. In addition, each payment has been applied to the erroneous late fees, rather than the balance, even though the monthly payments have been made on time. I have attempted to contact Synchrony 's corporate office but calls the number listed is sent directly to a voicemail box that is full and can not accept new messages. The late fees imposed to date have added up to well over {$200.00}.
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (VA)

On XX/XX/2020 I used an atm and atm said transaction error or something and did not dispense any money but still still charged my account XXXX $ I called the atm company they said dispute with bank so I called and filed a Dispute with my bank indi and now there saying I get no provisional credit even thuu I go its been over 10 buisness days they say there waiting for the response of the merchant which I thought is what the credit was for was for consumer to have access to there money back while waiting for the response and I thought was mandatory if not sorry Im wrong there saying it could be 90 days until I get my credit
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (MD)

I took out a prepaid card secured card I put a {$200.00} deposit down on first latitude and I didn't spend a dime of it and now it says my credit is maxed out and I am livid so somebody's been using all my cards
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: WELLS FARGO & 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 2024-01-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (WA)

I recieved a credit report fro LexisNexis. I disputed quite a few items and sent in my dispute. After XXXX weeks I sent a request as to when the changes to my credit report would be completed. I provided the Consumer Number XXXX and the Case Number XXXX. I was sent an email that said they couldnt verify my identity. The said to send a copy of my drivers license and a copy of my utility bill. Im not going to do this. Ive already sent that information. I want to know if LexisNexis recieved my dispute letter. I want to know when LexisNexis will complete the changes to my disputes. If I dont get the information Ive requested. I will wait XXXX months and request a new credit report.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (TX)

XXXX XXXX of 2022 I found out my social security number was being used for someones Business number & that they also had an XXXX bank account at PNC bank. That prevented me from opening an back account for myself. Also I visited an PNC bank branch & they did a quick & petty investigation, gave me a call back the next day & said basically it was nothing they could do & that I should call social security & the IRS myself. Plus they was closing the investigation.
Consumer complaint received 2024-01-24
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC (OH)

On XX/XX/XXXX, XXXX XXXX XXXX, on behalf of CreditFresh, sent a text to my ex husband, trying to reach me. I did not authorize this contact, nor for them to disclose that I had a debt, let alone one in collections. I dont know how they got his information, but seeing as I had a restraining order against my ex for most of XXXX, I would have never used him as a reference on this loan. They sent him a collections text, disclosing my name, the reference number of my case, gave him a mini-Miranda, and I am appalled. This has caused me embarrassment and emotional stress.
Consumer complaint received 2022-08-05
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$1500.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$84.00} ; XXXX XXXX Balance : {$84.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/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 2024-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

VENMO appears to have issues with their verification process on their end ; it looks like corporate fraud if I didn't know better. I have supplied extensive documents pertaining to identification, my business documents, client transactions, banking statements, personals, etc. Everything is valid and up to date. Despite all this, VENMO still is not allowing me to add my valid bank account details and has abruptly and permanently disabled my account. There is no explanation. There is no appeal process. There is no one to discuss the matter. VENMO simply cites their user agreement and ends any discourse. How can a company deny extensive valid documentations and unjustly steal my money?
Consumer complaint received 2022-08-05
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$1500.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$84.00} ; XXXX XXXXXXXX Balance : {$84.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX 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 2016-11-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (OR)

I received a letter in the mail from ARA inc . They told me that I owe them {$3300.00} for my XXXX Account. 

I do not recognize this debt to be mine. I contacted my local law enforcement agency who told me that this is most likely a scam.
Consumer complaint received 2022-08-05
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. (FL)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 2022-08-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC. (FL)

ONLINE BANKING IS DISABLED. I CAN NOT MAKE A DEPOSIT OR WITHDRAWAL MONEY. I SPOKE WITH CUSTOMER REPRESENTATIVE THAT SAID ACCOUNT IS IN INVESTIGATION .REPRESENTATIVE DID KNOW A REASON OR HOW LONG WILL LAST INVESTIGATION.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MD)

Hello good morning my name is XXXX XXXX so what happens is I been trying open up a checking account with different banks for some reason, I can't open no type of check account with no banks I tried open up one with XXXX to XXXX different banks I feel like my name had been under some type of fraud or Scamming situation I'm not to sure this never happen to me before I haven't able to open up a bank account for a while now in I'm trying figure out what's going on in why can't I open up anything.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (CA)

Yesterday, XX/XX/2022, I received an email from Target, saying as of XX/XX/2022 I have a credit limit of {$3600.00}. I noticed that the email emphasized that my {$3600.00} cl was of XXXX. Meaning, I believe they gave me a cl increase but its not reflecting on my account. I called Target card guest services. They were no help. I called TD Bank and I got nowhere.
Consumer complaint received 2020-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MI)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, COMENITY BANK/VCTRSSEC # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

I am filing this complaint against Wells Fargo for the unauthorized disclosure of my personal financial information from one account to XXXX XXXX XXXX XXXX XXXX. This disclosure included 14 specific transactions and the status of my account, shared without my explicit consent or prior notification. This action constitutes a breach of my privacy rights as protected under the Privacy Act of 1974 and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) . I wish to formally opt out of all credit reporting activities conducted by Wells Fargo and seek immediate resolution to this matter. I also demand compensation for the damages incurred due to this breach. Enclosed are relevant documents supporting my claim. I expect Wells Fargo to conduct a comprehensive investigation into this incident and take necessary corrective actions to ensure such violations are not repeated.
Consumer complaint received 2020-06-24
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: JPMORGAN CHASE & CO. (MO)

I am writing this complaint to report an authorized charge that was re-billed to my account. 

I had two unauthorized charges for the same amount ( {$98.00} for each ) placed on my Chase Freedom Unlimited credit card ( credit card XXXX ) on XXXX XXXX, 2020 ( See Appendix # 1, see also Appendix # 3 ). I noticed these two unauthorized charges on XXXX XXXX, 2020, and I immediately called the Bank to report these two unauthorized charges ( See Appendix # 2 ). The representative who answered the phone told me that the two charges were placed in person in XXXX XXXX, Kansas, where I have never been there. I said to them I've never been there, and these charges were reversed ( See Appendix # 1, see also Appendix # 3 ). The Bank shipped a new card to me in order to avoid further fraudulent activities. I was satisfied with the resolution at that time. 

However, on XXXX XXXX, 2020, I noticed the two unauthorized charges for these two fraudulent activities were re-billed on my statement ( See Appendix # 1, see also Appendix # 4 ). I am confused about why this happened, and I called on next Monday ( XXXX XXXX, 2020 ) ( See Appendix # 2 ). However, the Bank told me that their " fraudulent investigation team '' was not there, and they said they would give me a callback, which I never received. I am unsatisfied with their resolution because I reported the two unauthorized charges, and it should not be re-billed.
Consumer complaint received 2017-01-24
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NY)

im submitting a complaint because I went to a new XXXX, I provided my insurance card with the lab card and information. I was charged months later for my visit. They sent my lab work to there lab. not the lab my insurance takes. now im being charged. before my exit i asked the lady at the front desk if there is any cost or co pay. she said no. 
And now im being charged for XXXX bills total of {$860.00}. 
i called multiple times and finally was able to get a hold of someone from the Dr.office. the ending result was they could n't do anything for me, when in deed it was their mistake and lack of communication. they processed my lab work under XXXX 
Im being harassed daily with numerous calls from random numbers all times of the day. i haven received a collection notice from American Medical Collection Agency stating i have to pay this in XXXX days. 
i also would like them to provide proof for this claim. 
i did n't receive any notice or proof to receive any harassment. 

im not working right now and im going through a financial struggle. I cant afford to pay for this and especially in XXXX days.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

I disputed a {$190.00} transaction that was processed on my account on XX/XX/. The last transaction that I authorized using my card was from XXXX in the amount of {$100.00} which included a {$20.00} cash back amount. Regrettably, I left my wallet at the store and hadn't realized it until the next day. When I got back to the store I was told that someone returned my wallet to a staff member of the store. However, I had not realized at the time that the transaction for {$190.00} had posted to my account. It wasn't until XXXX  that I noticed the amount I normally write down to keep track of my account did not match the amount indicated on the app. I then looked through my transactions thinking that I may have forgotten to write down a transaction and then noticed the transaction for {$190.00}. I did not authorize this transaction since the last transaction I had authorized for that date was at XXXX. The additional transactions were made by me because I had the card back in my possession after receiving it back from a XXXX employee. However, the {$190.00} transaction was not authorized by me.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MN)

his notice to opt out was sent to all companies listed on XX/XX/XXXX. IN VIOLATION OF 15 USC 6802-15USC 6805 ( OPTOUT ), THE PRIVACY ACT OF 1974. AND IT IS ILLEGAL TO REPORT TRANSACTION HISTORY WITH OUT THE WRITTEN CONSENT OR INSTRUCTION OF THE CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 SF/LEAD BANK XXXX XXXX XXXX XXXX SELF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-17
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WESTERN UNION COMPANY, THE (CA)

To whom this may concern, For my records, I would like to obtain all documents related to XXXX. This should include signature cards, paperwork, etc. I would like this information because I believe there may be an Electronic Funds Transfer error in relation to XXXX and as a consumer I have the right to dispute and review transfers such as these. 

All right reserved.
Consumer complaint received 2016-09-02
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC. (ID)

SEVERAL CALLS AND VOICEMAILS THREATENING ME THAT I HAVE PENDING CRIMINAL CHARGES AND WILL BE SERVED. I HAVE VOICEMAILS THAT HAVE BEEN LEFT ON SEVERAL OTHER PEOPLES VOICEMAILS WITH ALL MY PERSONAL INFORMATION THAT IS VIOLATING MY PRIVACY. I WAS ALSO NEVER READ THE MINI MIRANDA.