davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX
Consumer complaint received 2020-04-23
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. (MS)

I received a call from a collection company stating about a debt I owed on TV service. I have never applied for TV service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX  XXXX {$75.00}
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

To whom it may concern, Please note that I have made multiple attempts to work with XXXX in removing the erroneous reporting of a Dismissed XXXX  from my credit report. Based on the reported information from XXXX, they stated a XXXX party company named XXXX provided the information. Maryland federal courts do not provide information related to public records to XXXX party companies like XXXX XXXX or any other for that matter that XXXX stated provided the information.
Consumer complaint received 2023-01-17
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

XXXX XXXX XXXX XXXX XXXX capital one auto finance XXXX XXXX XXXX XXXX Credit inquiries from unknown times same day by some one else
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (AL)

Barclays Bank stated in their agreement that federal laws applied to the agreement. Under federal law 18 USC 894, it is illegal to collect on an extension of credit by extortionate means. They continue to extort money from me. Under 15 USC 1666D anytime a credit balance is of excess of {$1.00}, the creditor should credit the consumer account. These are federal laws that they should honor. They continue to use the United States Postal Service to run a scheme to obtain money thru false pretenses illegally, which is fraud and swindles under 18 USC 1341 and comes with imprisonment, a fine or both. They need to open me a new account and apply a {$15000.00} credit limit and credit the balance every month. These are federal laws that this agreements govern by, stated in the agreement itself. If Barclays Bank choose not to honor there agreement, I elect arbitration under good faith and they pay the fees. All payments should be returned, due to federal laws.
Consumer complaint received 2020-04-23
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. (MS)

I received a call from a collection company stating about a debt I owed on TV service. I have never applied for TV service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX XXXX {$75.00}
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/22 I deposited {$4700.00} into my checking account at TD Bank NA The deposit consisted of a {$3700.00} check drawn on my own personal account at XXXX XXXX and {$1000.00} cash I was handed a deposit receipt. 

The receipt said NOTHING about a hold on the check. 

I came to find out the next day by looking at my account online that the bank slapped a 6 business day hold on the {$3700.00} check. 

By the way, my account at TD has been open more than 10 years. 

Also, by the way, XXXX paid the check on the VERY SAME DAY the check was deposited at TD BANK I went to the bank to complain, I called various departments none were helpfull. 

Apparently the department that slaps these holds on checks is not reachable by other bank personnel including the fraud department. 

The bank made NO PART of this check available as is required by Federal law either the same day or the next day. 

Interestingly enough today ( XX/XX/XXXX ) I received a notice from TD dated XX/XX/XXXX that they were placing a hold on my check. 

These people need to be sanctioned, fined, and placed under special supervision. 

I spent hours of my time trying to remedy this situation.
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

The bank that I file this complaint about is Fifth Third Bank. They keep sending bills stating that the mortgage payments are being made late, but that's false. The mortgage - account XXXX- has been paid timely. The Mortgage Loan Statements that the bank sent the last 3 months keep showing charges of late fees. I've called the bank, and initially they kept saying that they will look into it, because I provided information of timely payments. When I called again today, because I received another statement, the voice recording stated that there isn't any customer service by phone, and that I shall text them instead. Their own Mortgage Loan Statements states the following on the back : " Give Us a Call : Customer Service Professionals are here for you Monday through Friday, XXXX XXXX. to XXXX XXXX ET .... '' I have reason to believe that : XXXX. Fifth Third Bank has no interest to look into this issue, and wants to keep unfairly and fraudolently charge late fees for prompt payments ; and XXXX. When a customer insists in clarifying the issue to put a stop to the fraud, the bank blacklists that customer to stop any communications with them, and doesn't even allow them to access the basis modes of communications ( by phone ) with the bank. 

At last, another fraudulent practice of this bank is that, they cash payment, but they don't count as a payment if the payment is not exactly what the bill is. That's not a fair ; if a costumer makes a payment for a debt, the payment is credited toward the payment of that debt. No bank should keep a customer 's money earmarked as a debt payment, and not count it as a debt payment. 

Again, the mortgage loan account XXXX is being paid correctly every month, and the bank should stop their fraudulent practice of charging late fees for prompt payment, of not applying payments cashed as payments to the loan mortgage, and of creating undue hardship for the customer to reach out to the bank.
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

Was notified of a debt with XXXX XXXX went to my local store was told I could only pay it at a corporate store went to the corporate store to pay the debt. I was notified that it was turned over to a collection agency made arrangements with the collection agency, I was paying and XXXX still Notified all three credit reporting agencies that I have a delinquent account this debt is now paid and I still have negative collection accounts on my credit report.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

I hired a contractor to patch up my roof. Got the information from XXXX ( XXXX XXXX XXXX  ) I paid him in two transactions XX/XX/XXXX {$2700.00} and XX/XX/XXXX {$2700.00}. But this contractor has been using my CC information throughout XXXX. I discovered unauthorized charges on XX/XX/XXXX and reported to Citibank Branch manager. This is a Credit card that I only use for larger purchases. This contractor used most of my funds during XXXX and XXXX. He used it to accumulate a total of over {$43000.00} of charges. This contractor stole from me, and I have been trying to get the monies back from the back I have been denied twice on XXXX XXXX XXXX, they are not even trying to investigate this predictor contractor. On my last appeal which I sent them through the branch manager I they sent me individual request to submit proof that services were not rendered. 
I also requested a letter I need to take to the police precinct, and they have not provided this document. they have allowed this person too much time to use up the money he stole from my account. 
They want me to submit proof via a licensed contractor of confirmation that services were not completed on my house. The problem is that there are no services to confirm, because this XXXX stole from me. He never completed another work in my house. They can send their inspector to see for themselves. 
Citibank is not doing enough to return my money to my account. I feel violated and am desperately looking for assistance and a resolution. They did not do enough to protect my account. The two denials were done in a matter of days with no investigation and the paperwork they sent me can not be completed because THERE WERE NEVER ANY WORK COMPLETED. The only job he completed was the one roofing which he was paid for. How do I provide this proof when I don't even know what it is? 
My account was wiped out and I am being treated like I am the criminal. Please assist me in any way to get my money back and seek criminal actions against the company, Citibank has all documentation requested.
Consumer complaint received 2023-01-17
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2022 I ordered a rental car through the XXXX website for an upcoming trip to XXXX, Hawaii on XX/XX/2022. I never input any credit card information into the reservation, but I did have a XXXX issued credit card through Barclays still active. On XX/XX/XXXX, I called XXXX to cancel the reservation due to my doctor 's recommendations that I not take a very, long flight at that time. I was told that the reservation was not able to be cancelled as it was non-refundable. I offered to present a doctor 's note that I was unable to make the trip for health reasons. I asked to dispute the charge since it was such a short time from original booking. I was told I couldn't dispute the charge because the charge wasn't on my credit card yet. I asked that my XXXX Barclays credit card to be cancelled at that time. I thought that was the end of the situation. The following month I received a bill from XXXX Barclays for {$400.00}. Once a credit card is cancelled charges should not be allowed on the account. I called Barclays to dispute, they told me to call XXXX. XXXX told me to call the local car dealer to dispute. All parties were unable to resolve this issue despite multiple attempts on my part. Now it is 4 months later and I am being charged interest for a service that was never provided. My credit score has been effected too because of this. I have excellent credit history with a XXXX XXXX over XXXX most months. Subsequently, my credit has dropped XXXX points. I would like to question the unscrupulousness of said company and request that an inquiry be made into their fraudulent business practices that effect the consumer negatively.
Consumer complaint received 2023-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

I submitted PSLF paperwork in XX/XX/2022. It has been over 90 days now, and 2 of my submissions still have not been updated. I have called numerous times to get an update on my paperwork, but can not get through. I stay on hold for multiple hours, and never get through. I have yet to actually speak with a real person. You have to wait at least 4 minutes before even being put in a queue which I find very frustrating. It should not be this hard to get information. I did not have this problem from my previous lender. Feels like multiple hurdles are being put up to prevent borrowers ability to talk with a customer representative. I did not have a choice in who my loans went to, but this is not acceptable.
Consumer complaint received 2023-01-18
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. (TX)

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 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 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 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

i ask the company for information and they didn't send the information to me and this has been sent 2010 then the tell me that the will not sue me or report it to the credit report agency i don't know what kind of loan it is credit card or a loan. the way my credit was mess up there is no way i could of got any credit from anybody.
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paramount GR Holdings, LLC (PA)

I have repeatedly told this company I am not paying this debt due to predatory loan practices as well as requested a hard copy of my loan application and what they used to verify my income. They call me several times a day and on weekends early mornings and after XXXX  at night. The contract I entered was broken and they refused my request to stop payment at the time of installation as product was not installed properly or completed. Now they call us everyday multiple times even when I answer and repeatedly tell them the same thing. This has been happening for months now.
Consumer complaint received 2023-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (DC)

On XX/XX/2023 {$40000.00} was paid to my Paypal account from a client for a service ( general contracting ). As of today, I've only been allowed to withdraw {$10000.00} of the money that is sitting in my Paypal account. Simply, I have not been allowed access to the remaining $ XXXX. 

When I called customer service, I was initially told I needed more information to confirm it was a legitimate sale and I am the legitimate account holder. I provided them with two forms of ID, a copy of my bank statement, my business license, insurance info and the buyer/sender/client got on a three way call and confirmed it was a legitimate sale. He also did what they asked him to do online.

I've been calling everyday to gain access to my funds. Each time I call, I'm given a different excuse... XXXX always ends with them telling me it is a large amount of money and it triggered their security measures. " Wait 48 hours ''. They can not identify an issue on my end ; they have confirmed that my bank account checks out, my identity, the client confirmed the legitimacy of the transaction and the money cleared, they have all of my information, nonetheless, they claim there is no person to override the system which is preventing me from withdrawing my money. " The money is in your account ; our system is just blocking you from withdrawing it ''.

I am a XXXX XXXX XXXX I find it unacceptable that Paypal is allowed to take 2.99 percent of the money paid to mXXXX XXXX an extra fee that I knew nothing about- then hold my money for an indefinite time. It feels like extortion. Based on their cavalierness during discussions, I can not imagine that I am the only one this is happening to. There needs to be some accountability on their part. Equally important, I need them to release my funds. I hope you can help!
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation (WI)

Heights finance company is reporting on my credit report incorrectly. It is saying that I still owe money to them, I do not. This loan has been paid off and is negatively reporting on my credit. Ive called them numerous times and they say I dont owe money and they cant do anything about my crisis report
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (TX)

I just recently pulled my credit report after purchasing new cars and came across a collections account from Consumer Credit Services on behalf of XXXX XXXX, of which I have never had any business with. I have filed a dispute with all 3 credit reporting agencies and they advise I file one with the FTC as well. There is also an address now showing on my account that the agencies confirmed are tied to this account which is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have never lived at this address or anywhere in the greater XXXX area. 

The CCS account is showing opened on XXXX, which is around the same time we purchased the cars and is now in collection for {$2400.00}. 

I have called CCS to notify them this is not my account as well and that I am filing a dispute on it.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

recently pulled a copy of my credit reports and have noticed that some of the accounts on my reports do not belong to me. These fraudulent accounts are the result of my identity being stolen in the past and personal information being compromised.

I was referred to create an official police report about the incident and situation to document the accounts and details. Any help I can receive will be extremely helpful as I will forward any evidence and information your department can find out to the appropriate credit bureaus and agencies. Please take note of the following accounts and information that does not belong to me and has been created fraudulently : 1. 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 XXXXCAPITAL ONE ; 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 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 2020-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Hello, I purchased XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX in XXXX, MA. Since this new vehicle was scratched, the sales manager agreed to pay first payment to Toyota Financial ( where vehicle loan resides ). When it was time to pay the first payment, the Toyota dealership did not pay it. I've contacted the dealership many times via phone calls, emails and even through Toyota corporate. The business development director at the dealership stated that he will " look into this and provide me a response '' and never addressed the issue and now will not respond to multiple phone calls and emails. This dealership is dishonest and deceitful. They do and say whatever possible to sell vehicles but do not follow through their agreements. I am considering legal actions against this dealership.
Consumer complaint received 2023-01-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Commercial Services, Inc (CA)

I entered a XXXX  month lease agreement for my mother with XXXX XXXX in XX/XX/XXXX, unfortunately she was unable to live in the apartment due to her XXXX. The management co and apartment management were both notified of such. I was notified that I would be held liable for the lease until such apartment was re- rented which happened in XX/XX/XXXX. No communication had been received from either the apartment management or XXXX until yesterday XX/XX/XXXX when we received a collections call for XXXX. The issue I have is how can XXXX people pay for the same apartment. Wouldnt that be considered fraud. Please help me. The collection agency refuses to discuss the issue, XXXX XXXX refuses to discuss the issue and the apartment managers are also refusing to talk to us. My husband is the co-signer