davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IL)

I received a check, thought it was legitimate deposited it in an ATM and it was fraudulent. US Bank contacted me of the fraudulent check and asked me questions about it and they decided to close my account because of scammers trying to log into my account and blaming me for giving out my login information to them but I have not done that, its been XXXX or XXXX weeks when they said it was been closed. I have not received my money yet. I had in the XXXX accounts. I had just checking and savings account. I have contacted them many of times and they say that they dont know when I will get my money back theres no time limit. And they also have hung up on me XXXX times and are very rude and will not give me any information of whats going on with it. Please help.
Consumer complaint received 2019-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I entered into a 3 year lease agreement with Hyundai Motor Finance on XX/XX/XXXX for a 2016 XXXX XXXX. At the end of my lease term in XX/XX/XXXX, I turned my vehicle back into a Hyundai location. Hyundai did not allow me to pay my termination fee at that time and said they would send a bill. Hyundai also refused to allow me to make this payment through their online portal. Upon receiving a bill of {$790.00} from Hyundai in XX/XX/XXXX for my termination fee plus excess wear and tear costs, I mailed a check to Hyundai on XX/XX/XXXX. Hyundai waited to cash my check for another 4 weeks on XX/XX/XXXX. Hyundai also converted the check to an electronic check so I can not show an image of it with the date XX/XX/XXXX written on it.Then another month passed with no additional communication from Hyundai and my account showing as paid off in full and closed. Then on XX/XX/XXXX I received an alert from my credit monitoring agencies saying that Hyundai Motor Finance had reported my account as more than 30 days past due and delinquent on my account. I have reached out to the credit reporting agencies and Hyundai multiple times and they have updated the status of my account to closed but have refused to remove my 30 days past due designation. I filed reports with Hyundai and the credit reporting agencies both in XXXX of XXXX and again in XXXX of XXXX. Hyundai has reported back to me on XX/XX/XXXX saying they believe the credit reports are accurate with the 30-59 days late status on my report. I believe that I have acted in good faith and made all of my payments on time and in accordance with the agreement that we laid out. I ask please that the CFPB ask Hyundia Motor Finance and the credit reporting agencies to please update my credit report to remove the delinquency from my account and the 30-59 days past due status.
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

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, XXXXXXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # 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 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 2019-03-31
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. (CO)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX {$240.00} XX/XX/XXXX {$57000.00} XXXX {$140.00} XX/XX/XXXX {$12000.00} XXXX {$99.00} XX/XX/XXXX {$7700.00} XXXX {$75.00} XX/XX/XXXX {$6100.00} XXXX {$140.00} XX/XX/XXXX {$12000.00} XXXX {$140.00} XX/XX/XXXX {$11000.00}
Consumer complaint received 2019-09-30
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: EQUIFAX, INC. (TN)

I am trying to buy a house and had my credit report pulled. I noticed several items on my credit that absolutely should not be there because they don't belong to me. I've never even heard of these companies before. Please delete these items as soon as possible. as they are causing me hardship, I've also taken the liberty to repoty this to the police where I live and the FTC. The items on my credit are XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (TN)

I started receiving calls and voicemails from local and XXXX numbers in early XXXX 2019 about a debt in the amount of {$130.00} from XXXX. I never acknowledged the debt because as of today, I've yet to receive a debt notice, a letter of debt validation, or anything for that matter, ever. Suddenly on XX/XX/2019 upon checking my credit score as I normally do weekly, I noticed that the debt had been added to my credit report, negatively impacting my perfect score ( and making me angry might I add ). I specifically use XXXX and XXXX XXXX. XXXX XXXX lists the debt being added on XX/XX/2019 for {$130.00} by Radius Global Solutions. XXXX XXXX also lists an address for them located in XXXX, Florida. I was originally going to contact the company myself by mailing a dispute letter. However, the " Corporate Headquarters '' address listed on their site https : //www.radiusgs.com/contact-radius/ is someone's residential address. The other addresses listed are also false, some listed in other countries. Both XXXX XXXX and Radius Global Solutions 's site list the same address for XXXX, FL, but the suite numbers are different. Then, after attempting to verify their license credibility on XXXX XXXX XXXX and XXXX ( Florida Office of Financial Regulation ) , this collection agency has a license in Florida, but their " mailing address '' on XXXX is the address for the XXXX XXXX XXXX XXXX XXXX XXXX in Louisiana, a 4.5 star hotel. This company has several completely different numbers. I believe it's safe to say this collection agency deserves an investigation. I have attached some screenshots below.
Consumer complaint received 2019-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

The bank assessed a {$35.00} overdraft fee and is refusing to waive it because of a debit card purchase that posted to my account nearly one week later. This debit card purchase is not recurring and debit card overdraft services are not enrolled.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

5/3 bank issued a garnishment on all of my savings and checking account assets due to fraudulent activity. Due to a levy by the State of Michigan, 5/3 bank unlawfully froze my accounts in an attempt to pay the funds to the State of Michigan although I was not involved in this garnishment furnished by a fraudulent company. 5/3 utilized my social security number provide by the perpetrator and currently has my assets frozen. A similar issue just happened with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Looking to file a legal complaint.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NY)

I had to cancel a trip with a company named XXXX XXXX  and travel located in Florida. 
I had originally paid the deposit for the trip using a debit card from TD bank. The original payment was made on XX/XX/XXXX for XXXX When I cancelled the trip I was entitled to a refund of XXXX The tour company told me that their process is to repay the card number that was used for the initial payment. 
I explained to the travel agency that I had lost the debit card and had it replaced with a new card with a new number. They insisted on repaying the card number that was initially used. They explained that the bank usually would take it because the account is still open. I asked if I could get a refund check instead, but I was told that was not possible. 
So they sent a credit of XXXX to my account using the cancelled card number on XX/XX/XXXX. TD bank confirmed that they had received the refund to the old debit card number. They said I would see it in my account. But ... after XXXX weeks I still did not have the money. I spent at least XXXX hours on the phone trying to straighten this out. I was assured I would get the money back, but I did not. So I went to the bank and met with a representative who told me he would take care of it on Saturday XX/XX/XXXX. So I called on XX/XX/XXXX, and XXXX. On XXXX day I also spoke with the XXXX of the bank. I was told that they were working on sending the money back to the travel agency, but they do not know how long that will take. I asked to have something in writing to that effect, but I was told that was not possible. 
The bank called to travel agency to discuss the matter on XX/XX/XXXX but the travel agency reported they have not received the credit back. 
So.. I am asking for help to secure the money that I am entitled to. I am reporting TD bank, as I have spent about XXXX hours trying to resolve this issue.
Consumer complaint received 2023-01-14
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: ERC (MI)

I have a XXXX XXXX XXXX that is listed on my credit report and the account is not mine as it is fraudulent. The account says XXXX XXXX and Ive had XXXX  phone service since XX/XX/2022 ENHANCED RECOVERY CO L XXXX ( XXXX XXXX XXXX ) {$1100.00}
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXviolated 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. 
Also this collection was Removed/Deleted from my account XXXX. XXXX, XXXX because I was a victim of the XXXX pandemic earlier during the time so I was jobless and homeless
Consumer complaint received 2023-01-14
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 (NJ)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-01-14
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 (PA)

On XX/XX/2022 I paid {$150.00} to Capital One. This was to close the account ending in XXXX for a lesser amount. The account was closed but yet to be charged off. Capital One had emailed me with the offer and I took it. Upon payment, I was no longer able to access account or details within the app, it now stated charged off after I paid the agreement amount. It was then put on my credit report as charged off. I was in a pre-approval stage of buying a home. After the incorrect entry on my credit report, I lost approved status. I can now possibly face homelessness with my family. I was trying to do the right thing and it back fired. I believe this is predatorial.
Consumer complaint received 2023-01-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Filed written dispute with MCM on XXXX. Received correspondence back from MCM stating that it is unclear what Im requesting. Attached is copy of letter identifying the documents that I requested. 

Moreover, attached is MCM correspondence letter I received.
Consumer complaint received 2023-01-14
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. (TX)

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-01-14
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. (DC)

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 items : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I submitted a wire transfer request form to the Citizens Bank   Branch XXXX in XXXX XXXX, MI on XX/XX/2019 to send {$3000.00} to my niece in XXXX.. Money was needed urgently for hospitalization expenses for major XXXX XXXX XXXX related treatment. 
I provided the bank account information of my niece ( phone copy of her check book page ) to the bank clerk. Form was completed with wrong account number!! Bank clerk put the routing number as an account number!!! As a result, transfer did not go thru and Citizens Bank decided to recall the amount rather than giving them the correct account number. 

Now, the money is hung up some where between the XXXX XXXX, XXXX XXXX, or the intermediatory bank, XXXX XXXX XXXX, or the Citizens Bank at my branch. I requested Citizens Bank to track the money recall but nothing has been done. I contacted XXXX XXXX  XXXX ahd they assure me that the money was wired back to US banks. 
Now, someone in the US, either XXXX XXXX XXXX or Citizens Bank is holding my money????? 

I will consider this as a banking fraud and seek legal action thru the Attorney General of the State of Michigan, if I do not get satisfactory resolution from your office, or an assurance from Citizens Bank, that the money will be re-deposited to my bank account within 7 days .... 

Reference : ; Citizens Bank Wire Transfer Request No XXXX. Phone Number of the Citizens bank branch XXXX XXXX XXXX
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My brother legal name is XXXX XXXX XXXX, not XXXX XXXX. Can you fix this error if you can? on the ADDRESSES section, His address was never XXXX XXXX XXXX XXXX, # XXXX XXXX, MI XXXX, His address was never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. His address was never XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, MI XXXX. Can you fix these errors if you can? My brother 's ALIASES name is not XXXX XXXX, XXXX XXXX, XXXX, XXXX, J. 
His alises name is XXXX XXXX, XXXX XXXX XXXX. My name is XXXX XXXX without counting my middle name. 
Can you fix this errors if you can? 

Can you fix delete these errors if you can that I listed?
Consumer complaint received 2023-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

Dear CFPB Let me tell you briefly what happened. 

On XX/XX/2022, PayPal asked me to provide a service fulfillment to customers and clarify the type of my work. All the required files and information were sent on XX/XX/2022, done on XX/XX/2022 I was asked to provide additional documents and information. This was done on XX/XX/2022. After reviewing all the documents and information, they were approved and I could use PayPal normally. I made a withdrawal that was approved and awaiting confirmation. On XX/XX/2022, I logged into my account. I was surprised that the withdrawal process was suspended and my balance was suspended for 180 days, and that I could no longer use PayPal without any justification or explanation. 

I tried to call customer support over and over again, but to no avail. The only answer is to tell me that the service has been temporarily suspended due to the Covid-19 virus. 

Ref ID - XXXX Very sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — Store credit 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 (OR)

This is a follow up connected to an original complaint - XXXX I have been in contact with Barclays over 15 times by phone, sent two letters via certified letter, and sent a fax regarding this issue. I was told that my complaint was resolved, then they reposted the charges on my account totally over {$5000.00} in fraudulent and interest charges. 

Barclays is a new provider for Old Navy, a credit card I have had for years. They sent out new credit cards which would be available to be used starting on XX/XX/XXXX. I received the cards but never used them and never activiated them. The fraudulent charges occured between on XXXX XXXX, XXXX. I was notified by Old Navy of suspicious charges and immediate reported them as fraud. They said my husband 's card was used for all these purchases, but he has NEVER used an Old Navy card. Below are the dates, charges, and locations. 

XX/XX/XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX Old Navy {$400.00} XX/XX/XXXX XXXX Old Navy {$590.00} XX/XX/XXXX XXXX Old Navy {$490.00} XX/XX/XXXX XXXX Old Navy {$300.00} XX/XX/XXXX XXXX XXXX  XXXX {$210.00} XX/XX/XXXX XXXX Old Navy {$400.00} XX/XX/XXXX XXXX XXXX XXXX {$60.00} XX/XX/XXXX XXXX Old Navy {$510.00} Total = {$3400.00} XXXX, OR XXXX XXXX : XX/XX/XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX {$500.00} Total = {$1100.00} Total Fraud in Both Cities = {$4500.00} Barclays has not sent me any information on their investigations, has been entirely unhelpful and asks me to do the investigation when it is THEIR job. In the past when this type of fraud has occured, the credit card company asked for details and for all the people in our home to send copies of our IDs to help investigate. Barclays simply says a chipped card was used and I am on the hook for it. There has been a lot of mail theft in our area- I had my debit card stolen at the end of last year. 

I have filed a police report in XXXX, OR ( Case # XXXX ) and am in the process of filing a report in the city if XXXX, OR. 

I don't know what else I can do to get Barclays to remove these charges, which were not made by me or anyone in my family or house, on a card that was never activated by me. This is poor business practice and the fact that I have to spend so much time nd effort to clear this up is ridiculous. 

If Barclays doesn't remove these FRAUDULENT charges, I will be taking further measures includuing contacting a lawyer and filing a report for arbitration.
Consumer complaint received 2022-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was sick with XXXX and received insurance thru market place which allowed me to purchase a policy which paid 100 % after my deductible which was met after my XXXX XXXX dollar XXXX at XXXX. These other health provider have tried to charge add ons after the fact that are fraud and denied by insurance and the providers sold this junk debt to these collections companies to try XXXX money out of me. These accounts have been dropped on other reports but Trans union still lists these fraudulent debts. My next step will be to contact the attorney general and seek relief or other remedies.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (VA)

In accordance with fair reporting act, this creditor has violated my rights under 50 USC 681 section 062 States I have the right to privacy 50 USC section 064 A section 2 states that consumer report agency can't purchase account without my written instruction under 50 USC 1666 B a creditor can't treat a credit card payment under an open a consumer plan as late Credit Acceptance and this account has been closed since XXXX