davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. It was financed through Chrysler Capital. The account number is/wasXXXX. I was a XXXX XXXX in the XXXX XXXX at that time and had let my father handle my finances while I was working in the legislature including paying bills such as this. My family learned he had XXXX XXXX XXXX in XXXX of XXXX and that he had not been paying my bills due to the memory issues. I immediately called Chrysler Capitol as part of trying to address this and other bill issue. The loan was 90 days late at that point. I explained the situation to Chrysler Capital, I paid to bring the loan current, including the late fees, and put the loan on an automatic payment plan. I was not told there was a problem with my loan and there was no effort ever made to repossess the vehicle. I made onetime payments for the next 3 years until XXXX of XXXX when I checked my credit and discovered that the loan had been charged off in XXXX of XXXX. I was never given any notice of this or any opportunity to pay off the vehicle, refinance with another lender or otherwise correct the problem before there was a charge off. There was never any attempt to repossess the vehicle. Yet Chrysler reported the loan as charged off for 2 years, did not report anything for an additional 3rd year and had the balance listed incorrectly. All the while they were accepting my onetime payments and making interest off the loan while at the same time writing off the loan on their taxes. This greatly impacted my credit score and my ability to get a home loan. I tried, unsuccessfully, to get the matter corrected. All they did was to report the additional months of the loan being charged off and corrected the balance to show the lower amount from 3 years of on-time payments. That actually made my credit score worse. I ultimately paid off the vehicle in XXXX of XXXX to avoid further negative reporting. They should not have been able to both charge off my loan and accept payments onetime for 36 months after the charge off and report my loan as charged off each month. They basically got to double dip by getting the loan payments and interest - on time and got the tax write off for charging off the loan while negatively affecting my credit all that time and for the foreseeable future. I am seeking to get the negative reporting removed as the I was never given notice the loan was charged off, never given the opportunity to sell, pay off or otherwise prevent the charge off and I made the onetime payments for the 36 months after the problem occurred.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

In XX/XX/2021, I was told by a Wells Fargo customer service agent that if I turned overdraft protection off of my debit card, I would no longer be charged overdraft/ NSF fees. She said if you are charged, for some reason, you will still be eligible to have those fees reimbursed. So I had her turn the overdraft protection off of my debit card. However, in spite of turning it off- I have been charged 15 fees since then. Today I called and spoke with a rep who offered to reimburse 1 fee, he then transferred me to his manager, XXXX, who offered to reimburse 4 fees. I do not think that is acceptable because I was told I would be charged 0 fees. Why should I have to pay 11? Additionally, I turned overdraft off of my account.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NY)

I Am Having a Problem with TD Bank for Some Reason in XXXX my debit card was stolen and my ex-boy friend used my debit card to make fraudulent transaction on a Old Account That i Had With TD Bank in XXXX. So i Open a New Account XX/XX/XXXX at a TD Bank Branch and also Paid the Other Account In Full Account {$560.00} account ending XXXX and the agent at the TD Bank Branch Told Me Unfortunately We Are Not Going to Give You Full Access to Your New TD Bank Checking Account the NEW Account i Open at the TD Bank Branch Because we Need to Contact our security department to remove a block for i can have access to TD Bank Online Banking. So Today XX/XX/XXXX TD Bank Closed My New Checking Account Number : XXXX Because we Detected You Had Previous Account in XXXX with Fraudulent Activity so Unfortunately You Are Not Going to Be Allow to Have Any Accounts Open With TD Bank. and i really don't understand why TD Bank Did This to me and i never did anything wrong all those problem that happen with Fraudulent Activity that was Something that my Ex-Boy Friend Did Without my Permission and stole my debit card from my other account and used my Pin to take money Out and did all did Fraudulent Stuff Without my Permission Please Help me With this i also Made a Deposit {$100.00} to open the new Account and the Branch Refused to give me back the Money For The Deposit i Did on my New Checking account ending XXXX that i try to open and they closed also
Consumer complaint received 2021-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN CREDIT FROM YOUR COMPANY. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : CAPITAL 1 BANK USA, NA OPENED : XX/XX/XXXX AMT. XXXX CAPITAL 1 DATE OPENED : XX/XX/XXXX AMT. XXXX I HAVE ENCLOSED MY POLICE REPORT, ID AND SOCIAL.
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (TX)

Dynamic Recovery Solutions is attempting to collect a debt on the behalf of another 3rd party ( XXXX XXXX XXXX ) while the original creditor is XXXX XXXX XXXX XXXX, which I don't think exist anymore. 

In 2015, I was an inpatient in XXXX  at XXXX Hospital in XXXX XXXX, TX. I provided my XXXX health insurance at the time of service. All facility charges were billed to XXXX  and all went well. However, the physicians that read a report, saw me in the hospital or whatever never billed XXXX. I never received a bill and then 3rd party collections have been involved on and off ever since. I know how medical billing works. I was a patient accounting rep for almost 14 years. If the professional billing office failed to bill XXXX  within timely filing, they CAN NOT bill the patient. I had XXXX  for a reason at that time. I've been very XXXX  since this. I am now in the XXXX XXXX XXXX XXXX XXXX and awaiting a XXXX  at XXXX. I don't need this. It's insane how relentless these people are. Even the hospital billing manager tried to get involved because it's wrong what they did but this company doesn't even exist anymore and no longer contracted with this hospital. I know these companies are just getting these accounts for pennies to collect. However, the original creditor was negligent, failed to file the claim with insurance and legally you cant bill a medicaid patient for that failure! So many years have past, they need to accept accountability and let it go for goodness sake!
Consumer complaint received 2023-02-01
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have been disputing things with the bureaus for a very long time now and have gotten nowhere. I sent deletion letters and have been saying the late payments are wrong and they have been no help. I need them to remove things from my credit. I attached letters please respond.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Certified Recovery Systems, Inc. (CA)

In XXXX I thought closed a XXXX XXXX  account in XXXX, Ca. In XXXX I was notified it had not been closed and there was a maintenance fee {$4.00} for not having any money in it followed by a " forced close account '' fee {$34.00}. Thus creating a bill. Young, XXXX and really not feeling responsible for it when I hadn't used the account in 2 years I dismissed it. In XXXX, I recieved a voicemail from Certified Recovery Group asking me to contact them within 10 days or I would be taken to court. I called them and they told me I owed {$1200.00} for this XXXX XXXX  account " overdraft ''. I closed the account, how could I have been overdrafted and accrued this INSANE bill??? I was endangered of my wages being garnished. I asked for proof and a statement. I also asked for a settlement or payment plan as I could not afford a lien, or civil action. I did not have resources, knowledge, or internet and I already worked every chance I could. I live in a rural community and work at a little grocery store. I had a XXXX year old to take care of. The situation was frightening. They knew where I worked, my family, everything. I paid them {$620.00}, of which {$140.00} was rolled change! It was everything we had or could come up with and CRG accepted. I recieved the letter stating the debt was paid and I owed {$0.00}. Since XXXX, there have been several attempts to either collect on this again for the full amount by other companies, or wanting the remaining balance of the initial {$1200.00}. 
XXXX XXXX of XXXX XXXX XXXX XXXX today XX/XX/XXXX wanting balance An associate firm XXXX wanting total debt from CRG Certified Recover Group ( CRG XXXX XXXX company I paid {$620.00} to settle These monsters are terrorists! 
I also am filing a complaint against XXXX XXXX. How can they " free for all my information '' and put me at risk to haunt me for over a decade! It was a made up debt! It was a form of punishment for closing my account! And how can debts get resold over and over? This is disgusting. I feel robbed, and I'm angry that my tax dollars help this corrupt system and gross " leaching of the poor '' practices! I helped bail you out US! How is this legal? Why is this happening in America? This is parasitic! Why is all of America 's leadership across all vectors of government NOT HANDLING THIS!????!!!?
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (WA)

XXXX claims that I never paid my last bill and did not return the equipment. I have a recorded phone conversation that would prove otherwise as well as an equipment return receipt from XXXX. This matter was previously disputed and settled in my favor. After one credit collections agency dropped the account, XXXX proceeded to fraudulently, and against federal regulations open a second credit collections account with a different agency. I owe them nothing and my credit has been damaged for over a year, not to mention the hours of time spent having to deal with this that I would normally be paid {$40.00} any hour for ( Im considering suing for emotional distress, harassment and cost of time delegated to correcting the issue ) due to derogatory remarks on my account. They should be held legally accountable and I feel repercussions should be mandatory.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland credit management has constantly been calling me sending me letters threatening to take me to court if I did not pay this credit card debt. They did actually send me a judgment. My court date is XX/XX/XXXX. I called them on XX/XX/21 at XXXX XXXX. to try and resolve this issue. They said I owed {$1700.00}. I can make a {$210.00} Payment right now and make a {$100.00} every month to pay it off. I asked them if they could lower the XXXX so I could pay it off sooner. They kept saying they couldn't do that. Then came up with an amount of {$1300.00} if I paid it all right now. I explained that people have been out of work thru covid. People haven't been able to pay any bills. Not many people have that much money anymore. I told him I could pay {$210.00} today and make a {$150.00} payments every month until this is paid off the XXXX. XXXX is who I spoke with said no they couldn't do that they have to have {$1700.00}. I didn't understand why they could lessen it down to XXXX. XXXX kept telling me they couldn't let me pay {$1300.00} I had to pay {$1700.00}. The only way I could pay {$1300.00} is if I paid it all in full which of course I can not do. There is really no different in me making payments on {$1300.00} rather than {$1700.00} if I'm trying to pay it. He asked me if I got a covid check. I said yes. I had to pay my other bills with that money and get my bills caught up which is really none of his business. There are people out here that have lost their homes and everything else because of this covid. it has been a very hard year. At least I am trying to pay it. I don't understand why he can't take {$200.00} payment and then a {$150.00} every month until {$1300.00} is paid off. Instead he wants me to pay the {$1700.00} and take me to court. I have tried to work with them and I just do not think it's fair that they XXXX the price up but lower it. That to me is a scam and it just tells me that they can work with me a little bit more. Not everyone has that kind of money. I had to go in debt because 1 the covid and 2 my son who has XXXX has a XXXX  XXXX and has needed a lot of help. It is very hard to deal with a son that has XXXX XXXX XXXX and it's been very difficult for myself. My son has been in several hospitals for this XXXX and it's very stressful. At least I was willing to pay payments on this and pay it off the {$1300.00}. It looks to me like if I'm willing to pay it. they would take what they could get Instead of taking me to court. I was willing to work with them. But they kept telling me they couldn't take any less than {$1700.00} but then turned around and told me that if I paid {$1300.00} they could take that in full. In that case they could let me pay {$1300.00} in payments. that is fare. That's all I can do at this point I do not have that much money.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX and I am inquiring about an account thats noted on my Equifax Credit Report. I have called Equifax to inquire about that account and they gave me your info to contact you. I then contacted your bank and they have no info on the account and what it pertains to. It is critical that I obtain written confirmation saying that account isnt mine or whatnot from you in order to removed it from my credit report. May you please respond back as soon as conveniently possible. My XXXX XXXX husband is getting XXXX soon and its vital that we close on this pending house for our children and I so that he can be at peace while hes XXXX. We have been calling around to find out more about that account thats opened under my name because I have no recollection of ever opening an account with XXXX XXXX XXXX. Thank you so much for your time.
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IN)

XXXX XXXX XXXX began using PayPal on XX/XX/2022 to accept payments from our clients ( small businesses ) to provide an online cybersecurity consulting service. Our clients, through our platform take a cybersecurity gap assessment which consists of ( XXXX ) domains and ( XXXX ) controls. The client interacts with our cyber experts ( virtual sessions ) during the process to complete their gap assessment and receive a cybersecurity pathway ( document, with questions and responses ) and how to close their cyber gaps for the fee of {$1000.00}. Since the account was set up, we have had ( XXXX ) companies and ( XXXX ) test run using PayPal. Our first client paid on XX/XX/2022 and the last client paid on XX/XX/2022. Which we have not been able to transfer and of funds. We had ( XXXX ) calls with Paypal customer service. During the first conversation they stated since the account was new, they needed to hold the funds for a period of time. Then without any notification they asked for screen shots, banking information, and personal information on the company owner to validate the legitimacy of the company. We complied and still not release of the funds. On XX/XX/2022 we spoke with a XXXX ( XXXX ) who said the account seemed to have what it needed and escalate it to his back office. It may take ( XXXX ) day for a resolution. XXXX has not released any of our funds. 




Sorry, something's not right. Please try again later. 
Go Back MESSAGE : 1 After a review, we've decided to permanently limit your account due to potential risk. Youll not be able to conduct any further business using PayPal MESSAGE 2 : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

MESSAGE XXXX : Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. This will apply to all existing and future cases you receive. 

FINAL MESSAGE : Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX
Consumer complaint received 2021-07-21
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 wrote the three credit bureaus, XXXX XXXX and TransUnion on DATE. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

The company XXXX XXXX without authorization or doing any due diligence into the application, conducted a hard inquiry on my credit that effected the credit score. I have contact Experian, but they will not file a dispute without a letter from XXXX XXXX. XXXX XXXX emailed that I would need to work with Experian directly. Now I am stuck in a circular trap between the companies. 

Apparently XXXX XXXX XXXX have made the fraudulent loan without doing any due diligence or trying to contact the credit owner.
Consumer complaint received 2021-07-21
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. (NY)

I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

After reviewing my credit report, I noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that dont have no purpose to be on my credit report.