davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

After seeing several posts, and many pictures, about reconditioned wood stoves in a XXXX XXXX XXXX group, I commented on a particular woodstove a guy had for sale. After several conversations, the guys sent me about XXXX different pictures of 3 reconditioned wood stoves I was considering for a new home I'm building in XXXX, while I'm currently living in XXXX. We agreed on a price of {$900.00} for the XXXX I wanted, and on XX/XX/2024 I sent a deposit of {$350.00} to XXXX XXXX XXXX on his XXXX account referenced by phone number XXXX. The {$350.00} was paid by my Bank of America Business account # XXXX. 

On XX/XX/XXXX, this XXXX sent me a XXXX message saying they had a death in the family, and he would be out of town for a few weeks, and wanted to complete the sale. After much thought, I sent the man the {$550.00} balance, plus another {$250.00} for shipping. The {$800.00} was paid by my Bank of America personal account # XXXX. 

XXXX minutes later, I received an email from a shipping company, XXXX XXXX XXXX, telling me my tracking # XXXX which could be tracked at : XXXX. Tracking showed the stove to be shipped XX/XX/XXXX, arriving at my new house XX/XX/XXXX, while I was there. Then on XX/XX/XXXX, I got another email from the trucking company wanting another {$650.00} " refundable insurance ''. At that point, I knew I was scammed. The man tried to convince me that he would pay {$350.00}, so that I only had to pay another {$300.00}. After considerable research, I learned the man was a fraud, frequently scamming others, the Trucking website was his fake site in an attempt to scam people of even more money. 

I immediately tried to contact XXXX, but they won't talk to you if you sent money from your Bank of America app, you have to contact bank directly, which I did. I filed two claims, since 2 separate accounts paid. About 10 days later, I received 2 form letters saying they were denying my claims, they paid the money I told them to, and it was gone. They forwarded info to XXXX to investigate. Completely furious that BoA nor XXXX seems to have an interest in me reclaiming my money, or stopping others from being scammed, I called and complained to Bank of America again, then called XXXX and complained. Both just kept referring to legal jargon in their terms of service as justification for doing NOTHING. Then, a few days later I got a credit of {$170.00} in my account, no explanation, then a letter a few days later saying the claim was paid and closed. Like I'm supposed to be satisfied. 

Bank of America and XXXX sell themselves as the safe and convenient way to transfer money, but that's FAR from the truth. They hide behind legal jargon and do nothing to protect customers!!
Consumer complaint received 2022-06-17
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}. 

Federal law requires the 3 Credit Bureaus to reply inside the legal time span, yet they still can't seem to answer my letters. Subsequently, any records that have been questioned should be amended.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. ()

I sent a large amount of USDT to Coinbase from the XXXX exchange. 
The money did not come because the network is not supported by Coinbase. 
This money is in Coinbase XXXX and they can return it, but they are not willing to do it.
Consumer complaint received 2021-10-07
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. (NJ)

XXXX XXXX  obtained this account from XXXX XXXX and it was placed on XXXX  credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.
Consumer complaint received 2022-06-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

I recently ran into a issue with making payments with Santander consumer. I fell behind making my payments but have been making a payment none the less. I explained to them that the reason was for a change in work schedule, medical, as well as a problem with my financial institution blocking my payments. I was initially advised by a representative that I didnt meet the requirements for an extension. I was told that I would have had to been making payments for five months. I have made the number of the payments that I was advised but I am still being denied. Today XX/XX/XXXX I received a email that stated based upon a review of my account it appears that we may be able to offer assistance but we need to speak with you to discuss these options. I contacted them and spoke with two different representatives. The first representative was with their customer service team who said that I would be eligible for a one or two month extension. The second representative I spoke with was with their assistance team. She asked a series of questions then advised me that I wasnt eligible because I had to have a payment history of eight months. Over the past few months I have talked to several different representatives and each time the timeline changes regarding getting an extension. Its beyond frustrating dealing with some of the representatives from this company. They give you wrong information and dont listen very well.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (SC)

I am writing to formally address a persistent issue regarding inaccurate information on my credit report. Despite my previous notifications, it has come to my attention that the incorrect information is being continuously deleted and re-applied, which is causing significant distress and potential harm to my financial standing. 
I have brought to your attention the discrepancy in my credit report. Despite this, the incorrect information has not been permanently rectified. This repeated pattern of deletion and reappearance not only reflects poorly on the accuracy of your reporting but also undermines the integrity of my credit history. 
I request that immediate action be taken to thoroughly investigate and permanently remove the inaccurate information from my credit report. Furthermore, I expect a formal acknowledgment of this notice and a detailed plan outlining steps to prevent similar occurrences in the future. 
Please be advised that failure to address this matter promptly and effectively may result in further escalation, including legal action to protect my rights as a consumer. 
I anticipate your prompt attention to this matter and look forward to a swift resolution.
Consumer complaint received 2022-06-17
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. (CA)

I instantly called Equifax the moment I received the copy of my report that I purchased with XXXX XX/XX/2022 and from the time when I saw some UNVERIFIABLE items on my personal profile, I discovered that there were CHARGE OFF and COLLECTION accounts 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 on my credit report which are UNKNOWN to me . This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts are inadvertently resulting in me being extorted.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

In XXXX, a credit card Amazon store card from Amazon.com has been contracted without my consent and on my name. I dont know who or how, but l didnt ask that card. At that time l had never used a credit card because its not in my culture to use it, and because l didnt need any. I always use my debit card - especially to avoid this kind of problems. The same year, for some reason that credit card was used to pay my Amazon XXXX XXXX. Which was an error because l always pay with my debit card ( and l can prove it ). I was living in a different address at that time, and l moved a couple of months later still without being aware yet of all that. In about XXXX, l start receiving Synchrony bank and XXXX XXXX XXXXXXXX letters saying l owe them money for a credit card. I thought as my husband, that those letters were scams and not legit. I never heard about Synchrony bank and XXXX XXXX XXXX before, l didnt know these companies and what they are doing. So, it sounded not legit to us. So we ignored it for a year until l checked my XXXX XXXX XXXX! There was no reason for me to owe any debt. I have never had any debt in my life, even in XXXX my home country. So, when l figured this collection was real ( and l found out when l checked for the first time my Credit Score because we had the project to buy a house ), l have started disputing it. So, here l am. l now owe about {$500.00} just because bank and Amazon look like they made an unclear business offers for credit card to customers and contracted one that l have never needed and asked. I have never signed any contract and consent to get that AmazonStore credit card. The documents attached will show my good faith by indicating that l always pay my XXXX XXXX with my debit card. Only the payment in XXXX was made by the credit card by mistake. Again, I have never needed and asked this card and no idea how it was used for that payment.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In XXXX, a credit card XXXXXXXX XXXX card from XXXX has been contracted without my consent and on my name. I dont know who or how, but l didnt ask that card. At that time l had never used a credit card because its not in my culture to use it, and because l didnt need any. I always use my debit card - especially to avoid this kind of problems. The same year, for some reason that credit card was used to pay my XXXX XXXX plan. Which was an error because l always pay with my debit card ( and l can prove it ). I was living in a different address at that time, and l moved a couple of months later still without being aware yet of all that. In about XXXX, l start receiving XXXX XXXX and Portfolio recovery Associate letters saying l owe them money for a credit card. I thought as my husband, that those letters were scams and not legit. I never heard about XXXXXXXX XXXX and Portfolio Recovery Associate before, l didnt know these companies and what they are doing. So, it sounded not legit to us. So we ignored it for a year until l checked my XXXX XXXX XXXX! There was no reason for me to owe any debt. I have never had any debt in my life, even in XXXX my home country. So, when l figured this collection was real ( and l found out when l checked for the first time my Credit Score because we had the project to buy a house ), l have started disputing it. So, here l am. l now owe about {$500.00} just because bank and XXXX look like they made an unclear business offers for credit card to customers and contracted one that l have never needed and asked. I have never signed any contract and consent to get that XXXX credit card. The documents attached will show my good faith by indicating that l always pay my XXXX plan with my debit card. Only the payment in XXXX was made by the credit card by mistake. Again, I have never needed and asked this card and no idea how it was used for that payment.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (NC)

I sent all XXXX credit bureaus dispute letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and as of today no one has provide me what I requested. Their actions violates 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy. I wish that the disputed items not be listed on my credit report.
Consumer complaint received 2022-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (AZ)

Informed that I owed a balance of {$790.00} for services from XXXX and XX/XX/XXXX at XXXX XXXX  XXXX. This bill has already been settled and paid it in full as of XX/XX/XXXX. Received a voicemail on XX/XX/XXXX stating that the account was delinquent and that the debt collector, CMRE Financial Services, was attempting to contact me to collect payment. I contacted them on XX/XX/XXXX regarding this debt, stating that the services from XXXX and XXXX had already been paid in full. Was upgraded to a supervisor who stated they would look into the account but that I needed to submit proof. Contacted the original company that I had paid the full amount to who stated that this debt had already been paid in full and should not have been pursued by the debt collection agency. Statements were supposedly sent out but I have been complaining since XXXX that I have not been receiving them to my mailing address, with several calls being made in XXXX regarding this matter as well. There was a bill from XX/XX/XXXX in the amount of {$2.00} dollars that has been combined with the debts from XX/XX/XXXX that I also had not been made aware of that is being asked for as well.
Consumer complaint received 2024-03-08
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Dealing with Home Depot 's credit card customer service through Citibank has been nothing short of a nightmare. They lowered the credit line and the card was lost and used fraudulently. Now I am over my credit line and this is causing my XXXX XXXX to take a negative hit and affecting my everyday life. I want this account closed immediately and I want Home Depot Credit services to never contact me again. Only communication in writing. Close this account immediately and I will be getting legal involved to get this removed from my credit reports
Consumer complaint received 2024-03-07
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

In XXXX, a credit card Amazon store card from AmazonXXXX has been contracted without my consent and on my name. I dont know who or how, but l didnt ask that card. At that time l had never used a credit card because its not in my culture to use it, and because l didnt need any. I always use my debit card - especially to avoid this kind of problems. The same year, for some reason that credit card was used to pay my Amazon XXXX XXXX. Which was an error because l always pay with my debit card ( and l can prove it ). I was living in a different address at that time, and l moved a couple of months later still without being aware yet of all that. In about XXXX, l start receiving Synchrony bank letters saying l owe them money for a credit card. I thought as my husband, that those letters were scams and not legit. I never heard about Synchrony bank before, l didnt know this company and what are they doing. So, it sounded not legit to us. So we ignored it for a year until l receive debt collection letters. And there too l thought they were scams! There was no reason for me to owe any debt. I have never had any debt in my life, even in XXXX my home country. So, when l figured this collection was serious ( and l found out when l checked for the first time my Credit Score because we had the project to buy a house ), l have started disputing it. So, here l am. l now owe about {$500.00} just because bank and Amazon look like they made an unclear business offers for credit card to customers and contracted one that l have never needed and asked. I have never signed any contract and consent to get that AmazonStore credit card. 

The documents attached will show my good faith by indicating that l always pay my XXXX XXXX with my debit card. Only the payment in XXXX was made by the credit card by mistake. Again, I have never needed and asked this card.m and no idea how it was used for that payment.
Consumer complaint received 2020-05-20
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)

The purpose of this complaint is to dispute the information reported to my credit by XXXX XXXX XXXX. Please be advised that I was represented by U.S. Consumer Attorneys, P.A. in regards to my timeshare interest with XXXX XXXX XXXX. I obtained the representation of this firm on XX/XX/XXXX of 2016. The basis of my representation was that I was defrauded by XXXX XXXX XXXX and other affiliated entities when I purchased my timeshare from their company. My only recourse was to stop paying the fee while my attorney negotiated directly with the resort. Despite my attorney 's efforts and demands, XXXX XXXX XXXX and its subsidiaries continue to report adverse information to my credit. This complaint serves as my formal request that you mark the information reported to Experian credit by XXXX XXXX XXXX as disputed. XXXX will not issue a letter stating that my account was closed after negotiations. XXXX and XXXX do not show any delinquencies, but Experian continues to show delinquencies. This impacts my life greatly, and I have never been out of sorts with paying bills on time and fulfilling my obligations to any companies until I owned this timeshare. Experian will not remove or edit my credit report. XXXX is intentionally harming my credit as a result of my legal dispute. My XXXX account has been closed for several years.
Consumer complaint received 2016-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (GA)

ITEM IS PAID IN FULL BUT STILL BEING REPORTED AS OWING A BALANCE. ALSO THE SAME DEBT IS REPORTED ON MY CREDIT REPORT TWICE.
Consumer complaint received 2022-06-17
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. (FL)

I requested an extension for my XXXX XXXX XXXX after catching XXXX and had to stop working for some time. My request was granted and my account was supposed to be deferred. However, I received notification that my account was 30 days late. I contacted XXXX XXXX the following day and the representative informed me that after I make a payment and after the payment clears, the information being reported will be deleted and my account will be current. The payment was already made and was pending. After a week went by, the 30 day late payment that was being reported was deleted and my account was back to current. However, an additional two weeks went by and now the information that was once deleted is being reported again and showing on my Transunion account. Ive reached out to XXXX XXXX and they informed me that it was corrected on their end and that I should contact Transunion. Transunion did a dispute for me and asked me to contact XXXX XXXX which I did and they also filed a dispute.. However, the information being reported has not been deleted. The creditor agreed to delete the information being reported as long as I made the payment and the payment cleared. I had already made the payment before calling XXXX XXXX and the payment was pending which is why the representative asked me to wait until it clears then the information being reported will be deleted. The information was deleted but it has came back on my account and I am not sure why after the creditor agreed to delete it. This is the reason for my dispute.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I have paid off my auto loan in XX/XX/XXXX yet Credit Acceptance are still furnishing late payments on my Credit Report in XXXX. My payments was not late by 120 days yet they are reporting 2 years of late payments as well which is preventable me from utilizing my credit to better the life of myself and family. I have spoken to Credit Acceptance via phone and also mail only to be mailed a letter stating I did not send enough information for them to look investigate. I sent a photo copy of my Drivers Licenses, Social Security number, Account number and dates Phone number all certified and notarized. Willfully negligence and predatory actions taken against me by Credit Acceptance.