davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

I had an exercise bike listed on XXXX marketplace. A " buyer '' contacted me wishing to buy and asked if I accepted payments via Zelle. I texted back that I did not have an account but knew that my bank XXXX participated. The buyer said she really wanted the bike and would wait while I set up an account ( informed me it was reasonably quick ). I did so and gave her the particulars to forward the payment of {$250.00}. I received an email from " Zelle '' ( their logo and seemingly their script ) stating that I received {$250.00} but it will not be released immediately as I do not have a business account. I would have to have a transaction in excess of {$500.00} in order to qualify. I relayed this information to the buyer who was completely disappointed because her brother was ready to drive over to pick it up. She asked if she sent an additional {$300.00} in order to qualify, would I refund the {$300.00} immediately. I agreed, received another email acknowledging that and returned {$300.00} to her. Checking my bank balance I saw no activity. I was then notified ( again by Zelle logo email ) that " excess payments '' were accidentally sent and I was credited an additional {$1000.00}. The " buyer '' asked that I return the {$1000.00} as well. I now realized this to be a probable scam. I stated my suspicion to the buyer who proceeded to harass me when I stated I was going to XXXX and ask for assistance. I did so and XXXX told me I needed to wait until the funds sent ( {$300.00} ) were settled as withdrawn from my account. Seems strange that they have the account destination and could put it on hold but they insisted it go through before acting. I returned and filed a dispute when it cleared and in days received their answer that there is nothing they can do. In today 's XXXX XXXX XXXX there was an article specifically about Zelle and such scams ... with this script being highlighted as occurring often. In other words ... they know they have a problem and should have taken action when I described my situation if indeed it is that common.
Consumer complaint received 2022-11-14
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: SANTANDER HOLDINGS USA, INC. (AL)

In XX/XX/2022 I made a full car payment, in XX/XX/2022 made weekly payments, in XX/XX/2022 made a full payment for the rest of XXXX and some of XXXX, and now in XXXX my car company is reporting I havent been paying at all they are trying to send me two payments in one month and then charging me extra late fees and reporting to the credit bureau Im not making payments. My car payment is due on the XXXX of every month on the XXXX of the current month they will post the next months bill on the account as well. It was corrected once this year with XXXX because of Covid-19 this time XXXX will not let me dispute it again the information is damaging my credit and is incorrect. My car is fiananced through Santander Consumers and they are now harassing me at work and my employer.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I been Victim Of Identity Theft, Those Account Aren't Belong to me. 
Credit Card Opened by the XXXX Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2100.00} Credit Card Opened by the XXXX Company or Organization XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$240.00}
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (PA)

I made a purchase of a mattress ( ~ {$3000.00} ) XX/XX/2022 from Mattress Firm and opened a Synchrony bank to financing the balance. I was misled by the salesman that i can pay off in three years and but this XXXX, they charged me a huge amount of interest ( ~ {$1000.00} ). I receive no notification or phone call before they made the interest charge. 

I called Synchrony bank several times but they said that they can do nothing to do. it seems that all they want is the interest, and once charged, they will return it in no ways.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-29
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)

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX XXXX XXXX ). XXXX XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (FL)

Complaint to the CFPB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Banks Illegal Freezing of Account and Denial of Access to Funds Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against [ Navy Federal Credit Union ] for unlawfully blocking my access to {$6000.00} in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$6000.00}, was purchased by the bank, and I became the holder in due course of the account. 
However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property. 
Relevant Laws and Case Law : Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the XXXX XXXX XXXX Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation.

Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consumer protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law.

Truth in Savings Act ( TISA ) : The bank has further violated the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor. 
Requested Relief : I request immediate access to my funds. 
I seek a 15 % fine on the {$6000.00}, plus the interest the bank has accrued by withholding my funds. 
I demand that the banks actions be escalated to the Department of Justice and OIG for investigation, as this case constitutes fraud and a violation of fiduciary duties.

I expect the CFPB to take immediate action to restore my access and hold the bank accountable for these violations. 
Sincerely, [ XXXX XXXX : XXXX XXXX XXXX XXXX ]
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have reported the inaccuracies regarding the XXXX XXXX XXXX XXXX account # XXXX to Equifax and XXXX, but they did not conduct an investigation. The account has been reporting different high balances with Equifax while reporting different information with XXXX. It also does not report a credit limit with Equifax so how can there be a high balance be reported or how can it be determined what is correct? Then there is no date of last activity, but has been reporting a current payment status until XX/XX/2023. 

It states under 15 U.S. Code 1681i - that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.
Consumer complaint received 2022-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (CT)

MANAGEMENT SERVICES INCORPORATED. CORPORATE has sent me a debt collection letter in attempt to collect a alleged debt stating they are financial partners with XXXX XXXX. Notice it is a XXXX XXXX XXXX. CORPORATE is a debt collector and falls under FDCPA. Notice it is a fact XXXX XXXXXXXX XXXX has charged off the alleged debt and has sold it to MANAGEMENT SERVICES INCORPORATED has violated me on multiple occasions under the FDCPA and are liable for damages under 15 USC 1692k-15 USC 1611 and 15 USC 1640.I have DEMANDED validation of debt under 15 USC 1692g and MANAGEMENT SERVICES INCORPORATED. MANAGEMENT SERVICES INCORPORATED has committed numerous Federal Violations against me the consumer and is attempting to collect a alleged debt through obscene matters under 18 USC 892 because anything coming from a consumer credit transaction is a FINANCE CHARGE which is the SUM OF ALL CHARGEs meaning any extension and any alleged debt coming from that extension of credit is already paid and any recollection attempts is a violation under 18 USC 892 and a violation under Racketeering.
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Under the Homeowners Protection Act, my mortgage holder is required to end PMI insurance once my principal balance falls below 78 % of the original value of the property. Fifth-Third Bank is my mortgage holder. 

I reached the 78 % number more than 3 years ago ( I will do further research to determine a more precise date ) but Fifth-Third insists I have to request PMI be ended. By law, that is true at 80 % of principal, but at 78 % I am not required to take any action at all. I have documents sent to me by Fifth-Third that say, " PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' I can provide this documentation. 

My mortgage loan has been set for auto-pay since its inception and I have never had a late payment or missed payment. My loan has been in good standing at all times since its inception. 

The paper statements have hidden the existence of the PMI payment within the bucket of escrow items. Whether that is intentional or not I can not say, but it is at the very least suspect. I discovered the PMI payments in the online portal, where it is itemized. Upon review, the PMI is also documented in my form 1098 where it lists an annual cost of {$480.00} per year. I believe I am owed more than {$1400.00} in illegally collected PMI payments by Fifth-Third Bank. 

I have screen shots of a conversation I had with an agent of Fifth-Third as well as the person who took over the chat when I requested escalation. Those screen shots ( dated today XX/XX/2023 ) show the bank was made aware of the law, the timetable of the issue and their own documentation that matches federal law. They were unwilling to take any action unless I made a written request. This is in violation of the Homeowners Protection Act.
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries :
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

Account/Card for debit and ATM has been suspended due to potential fraud. The bank gives XXXX avenue for clearing the suspended status, by calling a specific number. This number is not working, and hangs up after about XXXX XXXX of hold time, consistently. Other efforts to talk with the bank results in getting directed to the number that is not working. I am effectively unable to access my money, and my account will stay suspended until a fix is implemented. The bank refuses to provide other options for remediation. This will impact my life, as I can not access my own money.
Consumer complaint received 2023-04-05
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Last year XXXX in negotiating with Capital One credit card company the agreement was that if my debt is paid in full, there would be a paid for a debt deletion/removal from my credit report. Im writing because I noticed that my most recent credit reports contain both the two credit card charge off reported in XX/XX/XXXX. 
Account numbers ( last XXXX digits ) : # XXXX & # XXXX both read " Charge Off -- Paid {$0.00} Balance '', they were never removed as promised. I called Capital Once credit card dept. and the lady said it would be removed in XX/XX/XXXX, but its now XX/XX/XXXX and its still on my credit report. 

My deal with Capital One was paid for debt deletion off my credit report and update report this with all 3 credit bureaus. - Im planning to apply for an auto loan, and its come to my attention that the charge off accounts on my record could hurt my ability to qualify even if at {$0.00} balance. Me and my family need a reliable family vehicle for me to go to work and for my kids to go to school. 
Capital One need to do right by the paid for deletion report to the credit bureaus. Please help me. 
Attachment - regarding my account both paid in full on both credit card debt.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (OK)

I use American Express Blue Business Card. This card is a business credit card and used by small business owners and individual gig workers. As gig workers are categorized as a consumer in US, I would like to file a complaint as a consumer here. 

My American Express Blue Business Card has been canceled suddenly in XXXX. There were no delinquencies before they canceled my card. 

I contacted American Express, and was told that {$25.00} reinstatement fee is necessary to issue a new card. I told them that I was not going to pay the fee, as there are no faults caused by myself. I have communicated with some support agents online since then, but my card has not been reinstated yet.
Consumer complaint received 2023-04-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX, an account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was placed on my credit as a closed account. I was unaware of where this credit card had come from as I do not recall ever opening it. I never received any letters notifying me of this account or that it was scheduled to be closed. Upon realizing that this account existed nearly 5 years later, I contacted XXXX XXXX XXXX to inquire about the account. I was told that it had been charged off and sold to XXXX XXXX. After calling XXXX XXXX I was told that they had sold the debt to XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX ( See attachments ) stating that if I fulfilled a settlement for the debt, they would delete all records and tradelines of the debt from each credit bureau. I fulfilled the settlement with XXXX on XX/XX/XXXX, and would like for this debt to be deleted. 

This debt has caused an immense amount of undue stress to my livelihood. In XX/XX/XXXX I was hoping to acquire a job with XXXX XXXX to continue to grow in my career field, however, the blemish on my credit report caused me to be unqualified for my dream job. Additionally, my now fiance proposed on XXXXXXXX XXXX XXXX and as we begin to look for our dream home, I am afraid to apply for a mortgage for fear that we will be turned down or offered unsatisfactory terms due to this debt. I've done my best to correct this error by reaching out to the bureaus in dispute as well as the creditor but have received no results. It simply is not fair that I paid the settlement for this debt and the contract agreement is not being met.