davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

In 2006 I opened a free checking account with XXXX  XXXX XXXX. The problem arose when the account was overdrawn by around {$340.00}, give or take. It did take me 1-2 years ( I was a student at the time, paying my own way for books and tuition, upon working to sustain my other immediate bills ), until I was able to reconcile and close the account with the bank with the full amount that was due. I have not heard anything about this incident until the past 6-9 months. The agency contacting me is XXXX XXXX XXXX  , XXXX, based at XXXX XXXX XXXX , XXXX. XXXX, MN XXXX. I have not received any type of paper notification from either the bank or this agency, but have recently been receiving phone calls within the correct debtor calling hours as is their right, however, I have repeatedly ( well over 5 times ) asked them to place my number on their " Do Not Call '' list as it is my business number and that this debt was already taken care of well over 10 years ago. I am still receiving phone calls from them stating that they are now wanting to collect on behalf of the bank, but as we know sometimes things get mixed up in the transfer of debtors ' records. I was a XXXX XXXX for a XXXX XXXX XXXX and I know my rights as far as asking them not to call me again, same for not using the number given to them. I want to report them for continued harassment and would very much appreciate someone looking into this for me, as it is now interrupting my business in a negative way ; also in personal ways. I do also intend to notify the agency in writing to the address provided me as per Sub-Section 806 : Communication in Connection with Debt Collection, paragraphs ( a-c ), as stated in the FDCPA. Please let me know at your earliest convenience what we need to do to proceed forward with this complaint. Thank you. 

Also, I do not have records of this bank or the account number, amount owed, etc. as it was so long ago.
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (SC)

I received a letter in mail today from convergent outsourcing say I owe XXXX XXXX . My name and address are correct on the letter I called XXXX but they have no record of this. This is identity theft since I have not used XXXX nor do I owe any money I want convergent to confirm I owe nothing and to not contact me after that
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Hays Potter & Martin LLP (GA)

On today XX/XX/XXXX a strange XXXX gentlemen showed up at my door with a box in his hand, Given I have an XXXX XXXX and the level of legal retaliation I am experiencing due to reporting every level of fraud possible, I was had a set of legal documents from a stranger who never asked me to sign, The box in his hand was small in nature and I thought it was a bomb. I began to panic, Please note we have signs to stay off of our premises. He was totally trespassing, It was a duplicate set of documents which were sent to me previously. It was from XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX. Please note my street is gated and I NOW KNOW WHO provided this stranger with the code. There is a connect at the Bar Association who's relative lived on this street. This individual is basically retaliating due to 1. Me reporting him to the Bar Association 2. I also sent a second request to your organization for a copy of the contract I signed versus a forged contract he sent via CFPB. 
3. I have received threatening phone calls daily I am now forced to take intense legal action against him. 
Please note I fear for my life and this Attorney is harassing me because he was uncovered!
Consumer complaint received 2023-07-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (MO)

I will list out all issues below to detail the extent of the fraud TD Auto Finance has committed. 

XX/XX/XXXX- Purchase used XXXX XXXX. Approximately XXXX XXXX loan began. 

XX/XX/XXXX- I am married and my last name changes. TD Auto Finance is notified with required documents and fails to change my name on the title for the next 4 years. We are not made aware of this until XXXX. 

XX/XX/XXXX - I move from XXXX XXXX XXXX The car title is switched. TD Auto Finance is sent the first notice that the original XXXX XXXX title must be sent to the state of XXXX They ignore it. 

XX/XX/XXXX - I receive notice from the state of XXXX they still haven't received the title. I reach out to TD Auto Finance and send them the relevant request for the title a second time. They ignore it and send a photocopy. 

XXXX XXXX XXXX. - I call or email them about every other month to be handed lie after lie that it is being processed. Nothing happens. 

XX/XX/XXXX- I can not renew the registration of the car because XXXX  has not received the title. I call to inform them I will be forced to drive the car illegally due to them and will be withholding payments. Note : the loan never enters default because I had paid some in advance. 

XX/XX/XXXX- We are informed for the first time nothing happened because the name was not changed on the title. We send relevant documents again and are told it will be taken care of. It is not. We also send the documents to send the title to XXXX AGAIN. This is estimated at the XXXX or XXXX time by this point. 

XX/XX/XXXX- We are fed up with the lies. I pay the balance due in full of approximately XXXX XXXX. The loan is paid off. We receive a payoff letter in XX/XX/XXXX. 

XX/XX/XXXX- We get a letter from the state of XXXX  a title was received with an incorrect last name. We send relevant documents to change the name. 

XX/XX/XXXX- We send an email to TD Auto Finance demanding the title be sent to us or we be notified of it's location. The only response we get is " a different department will help ''. They never do. 

At this point the car has not been registered legally for 6 months due to the actions of TD Auto Finance. We can not do that until we have the title. The loan has been paid in full for nearly 3 months and I do not have a title in hand. I am at a loss of where to turn other that to hire an attorney. I am hoping the CFPB can help crack down on the predatory lies of TD Auto Finance first. Thank you.
Consumer complaint received 2019-01-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

XX/XX/2019 I contacted Navient regarding and advertisement on social media that reads .... Ripped off Borrowers by Sallie Mae & Navient are now APPROVED to remove ALL STUDENT LOANS with NEW 2019 FORGIVENESS PROGRAM- This happens ONCE every 100yrs- APPLY now before its too LATE. NAVIENT targets in Class- Action Lawsuit Accused of misleadIng customers about Loan FORGIVENESS.. Upon contacting Navient I asked them about the statement above and I called them seven times and they disconnected the phone call. I was calling to get my Loans removed and was unsuccessful at anyone giving me any information regarding how they could or couldn't assist me. I would like for all of my Student Loans to be dismissed including all occurred interest. My Loans are currently in deferment and want them removed asap. I Will also report this to the XXXX for feature reviews.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, someone posed as me and withdrew {$800.00} from my joint account with my wife at Bank of America ( {$400.00} from checking account and {$400.00} from saving account ) at a local BoA branch. Prior to this, around the end of XX/XX/XXXX, I realized I was a victim of identity theft, so I already alerted all my banks and credit card companies of a potential fraud against me. As a precaution, my wife even opened a new account and transferred most of the money out and just left a small balance for bill payments. I have filed several police reports with our XXXX XXXX XXXX and also with the Federal Trade Commission. 

As soon as we knew of these two unauthorized transactions, we submitted two claims with BoA. One was resolved on XX/XX/XXXX and we got the {$400.00} refund back, but the other {$400.00} claim was denied. We found out the denial when we called BoA check fraud department on XX/XX/XXXX, and they said they have the video footage to deny our claim. Then on XX/XX/XXXX, we got the denial letter claiming that I authorized this illegal transaction and that I benefited from the funds. I want to make a complaint against BoA for the following reasons : 1. I timely alerted BoA and even set up a verbal password. Did all precaution to protect my finances by transferring the cash out from the joint account as soon as the identity theft came to my attention.

2. I still have in my possession all my IDs or bank cards, so if BoA did the right thing, especially when I already requested BoA to put an alert on my account, they must scan the ID, must request the PIN and the bank card. I believe BoA did none of these because if they did they would have found out these documents are fake.

3. The baseless and irresponsible denial of my case and their claiming that it was me are equivalent to defamation of my character. Since I'm with my patients throughout the day, people can vouch for me that I wasn't at the bank at all. By concluding that I was the one on the video, it clearly shows BoA is very irresponsible and hasn't done their due diligence. I have requested that they share with me that video footage, but I haven't received any responses.

4. While the two unauthorized transactions occurred on the same day, at the same location and same time, they honored one but denied the other. This just proves they haven't done their research, or their research ( if any ) is baseless.
Consumer complaint received 2023-07-22
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XXXX XXXXXXXX {$3000.00}. I keep trying trying to file a complaint, the website keeps crashing. Spoke to bank numerous times. Please just help. 

Ok it went through. So, for a year and a half Ive been having a major issue with Bank of America and fake accounts taking money from me. They would freeze my account and make me wait for a card. The problem that I keep telling them, is that IM A XXXX XXXX. That means Id have no access to the money I saved, etc. on the road. The one time I attempted to pull my money out and move to another bank, I was blocked with a withdrawal limit notice but I tried to transfer it. Its can range from XXXX XXXXXXXX {$40.00} at any random time. And the email and hotline they set up for the lawsuit does not respond to me at all
Consumer complaint received 2019-01-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I reviewed my Credit Report with Experian. I noticed my credit score was lower that it should have been after my due diligence I noticed that Experian was reporting that I had a Bankruptcy filed in XXXX. This is not accurate at all. There are so many people in California let alone the country that share my same name. It is very common, with all of the security breeches and Identity theft out there I can see how Experian may have mixed this up. One XX/XX/XXXX I sent a letter to Experian requesting that they open an investigation into the matter Cert Mail Tracking # XXXX which they received according to USPS on XX/XX/XXXX. Since this time frame I have only received a generic response into the matter. I requested that they open an investigation and I would like to know how they indeed found this negative information to be accurate and belong to me. In my research and due diligence I called the Court and asked how this information can be validated and why they would report such a thing and damage my Credit. The court told me they do not report to credit reporting agencies. They told me Experian gets its information through XXXX XXXX which sometimes may have errors. I requested in my letter to Experian that this matter NOT be validated through XXXX XXXX because with a name like XXXX XXXX it is so common and easily able to get mixed up. I asked that their response NOT be automated or have XXXX-XXXX verification because this would simply show negligence and not be in my best interest as a consumer and it would violate several laws of the Fair Credit Reporting Act. All I received back was a generic response which stated the Bankruptcy was validated. My letter was clear and it has yet to be looked at with care.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-22
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: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/XXXX Chase Auto XXXX XXXX XXXX XXXX LA, XXXX Acct # XXXX Attn : Credit Bureau Disputes To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : Chase Auto is in violation of the FCRA and XXXX Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX thru XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 
Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/XXXX thru XX/XX/XXXX Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time.

Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I need the above transactions deleted from my consumer reports! 

Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/2018, I had to cancel my hotel reservations at XXXX XXXX by XXXX XXXX XXXX XXXX in the amount of {$700.00} booked on XX/XX/2018. My cancellation was because my flight going into XXXX, Hawaii was cancelled from XXXX XXXX, and there would be no way that I could make this hotel reservation. The flight was cancelled due to Hurricane Lane approaching the island with an increasing chance of hitting the islands of Hawaii. Due to this reason, we had to cancel our vacation to Hawaii. 

I reached out to Citibank immediately to use the travel insurance protection program that I am enrolled into automatically on my credit card. This route was rejected because there was only a travel advisory warning for the island, even though a state of emergency was declared. The documentation and form process advised me to send further documentation for review, so I had sent all relatable news articles about the hurricane hitting Hawaii, and the lack of food and water on the island, how there were power outages on the island, and the roads are not of driving condition. The travel insurance was then rejected, and I proceeded to call Citibank back to find out why. The Citibank representative told me that the travel insurance does not cover hurricanes or natural disasters, and if it did, flights would have to be cancelled for 24 hours for the trip to be covered. After discussing with the employee on what other actions I can take, he then advised me to dispute the charge. 

I disputed the charge only stating that the service was not complete or used and even sent documentation information that was requested of the cancellation receipt. Shortly after, I received a letter in the mail that the dispute was rejected. However, there was no reason as to why it was rejected. 

I contacted XXXX XXXX themselves and they said because I booked via a third party ( through XXXX ) they are unable to do anything about the refund. They advised me to contact XXXX directly and see if there's anything they can do. 

I contacted XXXX, whom I booked the reservation off of and because they do not partner with XXXX and XXXX XXXX anymore, they are unable to resolve the issue internally. The gentleman whom I spoke with looked at everything and tried to resolve the issue internally but was unable to help me. He advised me to also dispute the charge and contact Citibank directly.
Consumer complaint received 2019-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (GA)

I have signed all Wells Fargo contracts that require my signature with XXXX XXXX XXXX and I have also wrote and signed my AFFIDAVIT that was noteized by an Notary with XXXX XXXX XXXX signing it with my signature, That the charge from XXXX is FRAUD/Fraudulent charge Not In My Name I was giving refunds back from cancelled stays and an {$34.00} dollar food refund and because of this WELLS FARGO said it was for a stay for over {$450.00} the amounts credited back to me was done as different refunds the amount of {$450.00} was done as one charge and the amounts of {$160.00} doesn't equal up to {$450.00} WELLS FARGO BANK trying to extort money from me I don't owe I have told them to show me proof that the charge from XXXX  that shows my name on the charge from XXXX with my name on it and WELLS FARGO has refused to do so staying the charge is mine Show The Proof it SHOWS MY NAME and show where I was refunded back {$450.00} for an Fraudulent charge I have disputed I HAVE RIGHTS AND WELLS FARGO SAID THAT PROTECT YOU FROM FRAUD..
Consumer complaint received 2019-01-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with Experian. They did not respond after more than 45 days for a vacation account. I called into Experian and sat on hold for an hour. The rep took my information then said he does see my dispute. He then said Experian did not have to respond and the company said my dispute is not valid. I asked that they send dispute results via USPS. He proceeded to tell me unless I'm sending proof the account remains, I can not dispute again and NO results would be sent to me. At this point I became upset as I know he has to send me results of the investigation for my records. I told him I need results and he simply hung up on me ... without ever filing my new dispute.

I called back and sat on hold for another 45 minutes prior to ending the call. At this time I am drafting a dispute in writing again and sending via USPS. I need a result for this. The account is missing information, has not had in greater than 7 years, and I do not believe it is mine. This account is reporting with so many errors and Experian is the only one reporting it. They won't respond to any of my attempts to dispute this and simply hang up when I call.