davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Jim Bottin Enterprises, Inc (NY)

The collection company XXXX XXXX on behalf of XXXX XXXX charged my atm card {$540.00} completely out of the blue without my written or verbal authorization on XX/XX/XXXX. The charges they claimed were coming from training sessions I got almost a year ago in the early summer of XXXX which I came in to cancel and settle up on almost 6 months ago. I spoke to both the trainer and the regional manager who informed me that it would be cancelled, the balance was settled and I would no longer be charged for anything. Recently I came into the establishment and asked XXXX at the front desk if there were any outstanding charges that needed to be paid. Just in case. He informed me there was no balance whatsoever. I also spoke to XXXX the previous regional manager the exact same question and he gave me the same response as well. No balance. I even asked my trainer XXXX who told me that I dont owe anything on the training sessions from last year. They all basically told me the same thing. There is absolutely no balance. Now I go to charge my card this afternoon and find out there's almost 550 dollars missing. Once I noticed these astronomical charges to my XXXX XXXX account from XXXX and XXXX XXXX I immediately called the store on XXXX XXXX and spoke to XXXX the manager who said that now all of a sudden there was an outstanding balance. I told him I already had this cancelled and settled up on a long time ago because I never came in to redeem or use any sessions. It was pointless to keep paying so I cancelled my subscription a long time ago. I spoke to 2 different people who informed me that it was in fact cancelled. He said that they were wrong I owed money. Now it seems they just decided that they were going to start another subscription and charge me for something new i didnt agree to without any prior notification when I asked if there was anything past due on my account numerous times with all different people. It's either these people are totally incompetent or are clearly trying to take advantage of someone. This situation has now put in a serious financial hardship because they basically cleaned out my XXXX XXXX  checking account and I am unable to pay my other bills. I didnt agree to these terms and the sessions I once had were cancelled almost a year ago. I am disgusted by this company 's level of professionalism and uninformed staff. They have clearly taken advantage of the situation and have violated my rights as a consumer by not producing or sending any printed bill or invoice to my billing address or in person that clearly states the amount that was owed at least 14 days before said due date. I was never notified, only charged, and that is in clear violation of the law and sits in the realm of unethical business practices.
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

I recently attempted to dispute a debt from XXXX XXXX XXXX, via XXXX XXXX, XXXX, XXXX and via letter ( us mail ). This request has been submitted multiple times and the first time I did so, they failed to respond to me within 30 days ( the dispute was open for over 90 days ). I requested the orginal debt date to be provided ( not the date that the debt was turned over to the collection agency ) and they have failed to give me this date. They recently just updated the debt with the date that they attained it and accuse me of still being indebted. ( Actually reported that I am now late ). I have no idea what my next step is. I don't even know what account this is orginally from. I requested that all this info be mailed to me so I could review it.
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX Account Number : XXXX XXXX : {$260.00} 2. XXXX  XXXX Account Number : XXXX XXXX : {$0.00} 3. XXXX XXXX Account Number : XXXX Bal : {$110.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$1800.00} 5. XXXX Account Number : XXXX Bal : {$0.00} 6. XXXX  XXXX Account Number : XXXX Bal : {$0.00} 7. XXXX Account Number : XXXX XXXX : {$390.00} 8. XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2020-12-11
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-09-30
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: OneMain Finance Corporation (DE)

XXXX has been contacted many times regarding inaccurate information on my report according to the FCRA AND FDCPA LAWS I have the right to challenge anything that i do not agree with on my report XXXX XXXX XXXX has failed to provide proof of any contracts bearing my signature as well as XXXX has failed and violated the law and my rights to update account status to investigation status 1 ) XXXX XXXX XXXX XXXX  # XXXX -- -remove acct inaccurate reporting 2 ) one main  acct # XXXX -remove acct inaccurate reporting 3 ) XXXX XXXXlate XXXX auto pay never been late please correct In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Arative Technologies LLC  (Bancoli) ()

so I had XXXX XXXX account after used for while ive seen that company is complete fraud they delay withdrawals also dont know how to send payment so I close my account remain funds XXXX dollars I send to client but because XXXX send funds to client week after deadline client reject the transfer and his bank XXXX XXXX returned back to XXXX the transfer on XXXX XXXX months after that scammers claim money still not back I have solid proof By XXXX Police in XXXX collaborate with Client bank XXXX that money was sent back on XXXX XXXX and credited to XXXX XXXX XXXX XXXX XXXX XXXXXXXX of XXXX.so multiple request they still said cant find the money I ll attach so solid evidence by police by bank I gave them XXXX track swift also confirmed money is credited back to XXXX, so also I m not only XXXX in that situation a lot clients their its same. situation so DONT TRY TO FORWARD ME TO OTHER AGENCY BECAUSE I LL REPORT YOU ALSO FOR LAZY WORK THIS COMPANY IS FRAUD AND THEY CLAIM ITS UNDER US REGULATION
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Enterprise Systems, Inc. (DE)

On XX/XX/2019, XXXX reported me to collections on an account that was paid in full on XX/XX/2019. I contacted both XXXX as well as the collection agency ( then ) XXXX XXXX XXXX to advise the debt was paid in full with receipt. I was promised at that time the debt would be removed with apology. Fast forward to XX/XX/2019, I received a collection notice from National Enterprise Systems for {$370.00}, the same amount paid on XX/XX/2019. I again called XXXX as well as the collection agency both again apologized and promised to resolve. My concerns with this is the account should have never been placed for collections at all since it was paid in full prior to XXXX electing to place me into collections twice for the same account. I do not trust neither believe in the process of XXXX as they have failed to resolve this matter accurately and appropriately. I am seeking assistance and guidance in this matter.
Consumer complaint received 2022-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (TX)

I purchased a vehicle in XX/XX/2021. Global Lending Services was my loan provider. I set my payments to be automatically debited on the XXXX of every Month, 2 weeks prior to the due date. On XX/XX/XXXX, I traded the car in and purchased a new vehicle. The payoff amount quoted at the car lot is the quote they were paid. On XX/XX/XXXX, Global Lending debited my account for a {$480.00} payment erroneously. I contacted the company and was told it would be deposited back to my account once they received they paperwork from the car dealer in 10 days. I called back again on XX/XX/XXXX and was told that I had to wait on them to process the paperwork and a paper check would be sent out the week of XX/XX/XXXX. I called the company on XX/XX/XXXX and was told the checks were sent out on Thursdays which would have been XX/XX/XXXX. Now it is XX/XX/XXXX and I call the company and I am being told that my check will not be mailed until XX/XX/XXXX. This is really ridiculous and totally unacceptable.
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (AL)

After instructing the company on how they CAN contact me ( via email or mail ), they have continuously called my cell and WORK phone. I specifically told them not to call either. 

Received calls at work on XX/XX/22 and XX/XX/22. 

Received calls on my cell XX/XX/22 and XX/XX/22. On XX/XX/22, they called my phone FIVE times in a row when I didn't answer at XXXX XXXX and from a number that did not identify them ( XXXX - a number that is registered to a cell phone in XXXX, AL ). 

I recognize I owe them money and always pay my debts. The payments may be late, but they are always paid. However, I can not have calls at work and they harass my cell, so I have told them not to contact me in that way and gave them ways to contact me- using the sample letter on CFPB 's website. Prior to sending the letter, they were attempting to contacting me every day, several times a day. Letter is attached.
Consumer complaint received 2023-03-19
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. (GA)

From XX/XX/XXXX to XX/XX/XXXX XXXX loan lender, XXXX XXXX XXXX XXXX, has refused to stop reporting late payments to my consumer credit report ( Equifax ). My XXXX XXXX bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX. This account is listed on the Certificate page of the bankruptcy. This debtor received a mailed and electronic copy of the my XXXX XXXX bankruptcy and did not show up to court hearings. Therefore, any monetary negotiations between me and the lender are null and void. Under federal law, XXXX XXXX bankruptcy does not require repayment. No worthy assets were available to repay debtors. I have emailed, spoken to representatives, faxed, and mailed XXXX several times over the last year regarding XXXX XXXXXXXX XXXX XXXX 's unlawful behavior.
Consumer complaint received 2019-04-30
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. (CO)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX CARD partial account number XXXXXXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (TX)

I'm in the process of trying to fix my credit. Recently I've seen many inaccuracies on my credit report. I sent letters to all three bureaus XXXX, XXXX, and experian. This process has taken to long. I have not received any response by mail or email. Pleased help me resolve this issue.
Consumer complaint received 2019-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

I am owed {$160.00} from my account. When I contacted the company, I was told I need to provide a host of PII. I was told the information was encrypted but not given any other details. I asked if the company was FDIC insured and was told they didn't know and there was no supervisor, manager or security officer I could speak with to allay my fears. When I asked to close my account and withdraw the funds, I was told to submit the following information : 1. Photo ID, 2. Bank or credit card statement 3. Confirm my identity 4. Provide a proof of fulfillment of the transaction or explanation 5. Provide a purchase receipt from supplier or explanation 6. Provide information on account 's activity describing what the payment was for. The company already has my SSN and issues 1099s. Other than collecting this information for  marketing purposes for financial gain, I don't feel comfortable submitting this information online.
Consumer complaint received 2022-07-30
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. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: United Debt Holdings, LLC (TX)

Received a robocall indicating that a judgement claim was filed against me and I was scheduled to be served by an 'officer ' the following day at work or home. The number that called me was XXXX. The recording stated that I needed to call XXXX. I called the # in the recording, XXXX answered, gave my name & this is the story he spewed. XXXX states that I have a couple of outstanding loans that total {$1100.00} with fees of {$280.00} bringing the total to {$1400.00}. XXXX stated that he can stop the claim being filed with the court with a settlement offer of {$880.00}. I asked who is the original debtor. 

XXXX XXXX XXXX XXXX which is defunct according to the BBB website ) is the debtor with the original loan date of XXXX. XXXX stated that the debt was validated as a new debt as of XX/XX/2019 via United Debt Holdings whom picked up and reissued this debt. I asked XXXX whom he worked for, XXXX stated he is not a debt collector but works on behalf of XXXX XXXX XXXX out of XXXX Ga. I asked for an address he refused. I asked for validation of this debt, XXXX stated that XXXX XXXX XXXX already validated the debt. XXXX made sure to reiterate that if I do not decide to pay the settled amount he offered I would be served with a judgement against me and an XXXXfficer will be serving me most likely at work.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I previously opened a complaint and was emailed by XXXX XXXX from Bank of America asking to " Please contact me by XX/XX/2019, to confirm that information. ". But I got the answering machine thee times and I left my phone number to call me back. I am currently in XXXX. I never received a call to the phone number I asked them to call. The complaint was closed because they " could not confirm '' it was me who submit the complaint. 

I filed a new complaint but it was closed again since it " seemed to be about the same issue ''. 

Again, I insist on contacting Bank of America to solve the issue because it is not fair for me to lose XXXX XXXX because of an ATM malfunction. 

The incident happened on XX/XX/XXXX. when I tried to withdraw XXXX XXXX Pesos from XXXX BXXXX 's ATM located in XXXX, XXXX, XXXX with number XXXX. 
The ATM had a malfunction and did not dispensed the bills. I opened claim number XXXX with Bank of America on XX/XX/XXXX. I called them immediately on XX/XX/XXXX. but they asked me to wait 48 hours before opening a complaint. On XX/XX/XXXX. I received a response to my complaint saying they will not reverse the charges and supported the claim with a photo copy that falsely stated that the bills were dispensed ( find the letter attached to this complaint ). 

I tried contacting XXXX XXXX but they answered that I had to reach Bank of America and that they wouldn't establish any communication with me regarding this case with me since my card was not from that bank ( please find the letter from XXXX XXXX attached ). 

I also wen to XXXX XXXX here in XXXX to file a complaint under oath and they asked me to try to solve the issue with XXXX ( XXXX CFPB ) and XXXX asked me to contact CFPB since I am a customer of an American bank. Find attached the copy of my complaint with XXXX XXXX XXXX XXXX. 

I called the CFPB and they suggested to submit again the complaint with a copy of an ID so I can prove it is me who is filing the complaint. I attach my passport to this complaint in order to prove it is me who is filing this complaint.
Consumer complaint received 2019-10-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (IL)

I have a checking account with no checks, only a debit card. I am a young consumer. I was making purchases on XXXX, and my purchases went thru. I had NO IDEA that BMO would pay out on purchases, overdraw my account and charge me almost 200.00 in overdraft fees. 

This is highway robbery. First and foremost, purchases done on a debit card should NEVER be allowed. They should be stopped and indicated no funds. On top of that, by the time I am informed of this, they charge daily late fees and subtracted almost 200.00 in fees. 

I tried to resolve this issue at the XXXX XXXX/XXXX   location. My account now has a block on it so this problem will never occur on purchases. This should have been set up this way from the get go, and not overdraw and steal money from consumers who make a mistake. 

I was told that NO FEES can be reversed. This is not appropriate customer service, especially due to the fact I did not overdraw by using checks. These purchases should of been blocked and not paid out. 

I would like to have these fees reversed. I am a young person, and I am suffering financially due to this.