davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/XXXX my cell phone, XXXX XXXX, and checking account, with SunTrust Bank, was hacked. The cash amounts taken from my SunTrust checking account were : {$170.00}, {$250.00}, {$230.00}, {$320.00}, {$320.00}, and {$300.00} totaling {$1600.00}. These unauthorized transactions occurred by the name of XXXX XXXX, who I do not know. This person name was associated with the transactions, according to my checking account. 
I called SunTrust to discuss this matter and was told they had froze my debit card because of suspicious activity noticed in my checking account. I told them I did not authorize any of the transactions mentioned above. 
The Fraud Department of SunTrust performed a 10 day investigation and denied my claim because of " inconsistencies ''. I told them the truth. My cell phone was hacked on XX/XX/XXXX and I didn't have service on my phone for what seemed like 20 to 30 minutes. During that time, my XXXX XXXX  account was hacked which was linked to my checking account with SunTrust. I had to submit rebuttal paper work to SunTrust which included a copy of a text message by XXXX by XXXX, and emails from XXXX XXXX Support acknowledging fraud activity and freezing access to my XXXX XXXX because an unauthorized person had access to my XXXX XXXX   account. SunTrust told me, on XX/XX/XXXX it would be a 45 day process to review this. I really need my money back now. Please help me.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On Wednesday, XX/XX/2023, I applied for a Capital One platinum credit card and was approved. The following day, Thursday, XX/XX/2023, I tried to set up an online account, but received a message stating that I already had an existing account. I have never had a Capital One account, so this raised a major red flag. I hit the forgot username password, and the Capital One system prompted me to type in a verification code that would be sent via text, but I noticed the number listed was not my number. Then, I received an email with a username that I did not recognize at all. So, I called Capital One and explained to the what happened and I have been a victim of fraud. Capital One informed me that they will closed the account that someone previously signed up for with my information. Capital One informed me that this person had a checking and savings account set up. I'm not sure if they have credit cards or other accounts with other institutions using my info. I am assuming they got my info last year, when my cell and bank account was hacked. If I had not applied for a credit card with Capital One, then I probably would have never known, until I received my credit history or credit report trying to make a big purchase like a vehicle or house.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WELLS FARGO & COMPANY (ME)

My siblings, myself and additional family members ( XXXX people ) are being sued for a debt of a distant family member name XXXX. 

She was my grandmothers sister, who my siblings and I have never met. 

She lived in Florida ( we live in Maine ) and apparently she recently passed. 

Our mother passed 5 years ago and is also listed on the court document. 

An attempt to serve me ( at my husbands home, where I do not live occurred ), but my XXXX siblings were also served, and all of my many aunts, uncles, and cousins. The gentleman who served the documents did not disclose who he was, did not give a card stating he was a sheriff. 

XXXX got sent back ( because i do not live at my husbands home ), but we supposedly have " XXXX '' days to respond or we can lose the case, our wages, money and property. 

My uncle states that XXXX was at the end of life and there were XXXX ladies caring for her that racked up bills, bought cars, etc. 

My siblings and I have never met this lady. We do not know her. We do not have any stake in, nor want any stake in her estate, etc.
Consumer complaint received 2019-01-10
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: CREDIT ACCEPTANCE CORPORATION (WI)

In my compliant against credit acceptance on XX/XX/XXXX I explained that my account was paid with my insurance but Credit Acceptance was reporting my account with a balance and as a collection. Credit Acceptance responded that they were paid by my insurance company in XX/XX/XXXX and that they reported accurately to XXXX, XXXX and XXXX. Attached is the letter they wrote to me admitting that my account was paid in full by my insurance company in XX/XX/XXXX and that they requested that the credit reporting agencies list the account as closed paid in full. 
As of todays date the Credit Acceptance is reporting my account listed with XXXX and XXXXn under a collection status and with XXXX as paid closed account/settled for less than full amount old. The proof of the above listed status is attached. I have also listed proof that Credit acceptance as of XX/XX/XXXX was listing my account to XXXX with a balance owed of {$5900.00}. 

Credit acceptance has illegally reported my account status to the credit bureaus for over a year. Credit Acceptance lied when they reported to CFPB under claim # XXXX that they listed my account as paid in full with a XXXX  balance. Credit Acceptance false reporting is against the law and has prevented me from obtaining loans and credit accounts. 

Credit Acceptance should immediately notify the reporting agencies to correct my account status to closed paid in full and leave out any and all derogatory remarks such as account settled for less than the full amount.
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (IN)

Hello, I have received letters from the following companies and I would like them to stop harassing me and sending letters. 

The name of the company is the following LVNV Funding LLC they sent a letter on XX/XX/2023 stating that I owe them XXXX. I've never done business with this company. 


I did a dispute with all XXXX credit bureaus and they removed the collection off my credit but, the credit bureaus then placed the collections back on my credit causing my credit score to plummet significantly.
Consumer complaint received 2023-07-25
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2019-01-10
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. (MS)

There are three inquiries on my credit report that I did not authorize. I submitted letters to the credit bureau stating I had no idea who these companies were .. They are still there so I resubmitted to all three agencies and it still remains on my report.
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (FL)

I entered into a period of financial hardship in XX/XX/2023 and fell behind on my car payment. Santander Consumer Finance USA was made aware of my situation and after the account became 60 days past due, issued a letter to cure. I was about {$600.00} short from the amount due and the lender continued to communicate with me. I made payments : {$500.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX and another {$160.00} on XX/XX/XXXX. The lender has not offered to lower payments, defer payments or any other form of financial hardship assistance. However, the lender does continue to ask pricing questions about when the account will be caught up despite their knowledge that I am going through a financial hardship despite the consistent reminders. Santander lacks economic sympathy for consumers like me and their inability to provide solutions create heightened stress, XXXX and unnecessary suffering.
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (IL)

Debt collection company is to threatening to take legal action which is illegal and unlawful pursuant to the FDCPA 15 USC 1692i ( 2 ) ( a ). As the consumer and natural person, this debt collector head not been given my permission nor consent to contact me using any medium, which shows they violated 15 USC 1962c ( a ). Debt Collector is also in violation is several federal laws such as 15 USC 1692b ( 5 ), which states a debt collector can not utilize any language or symbol on any communication that indicates the debt collector is in debt collection business.
Consumer complaint received 2023-07-25
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: College Ave Student Loan Servicing, LLC (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2023-07-27
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. (OH)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Volvo Car Financial Services U.S., LLC (OH)

In XX/XX/XXXX, my spouse and family were relocated to XXXX, XXXX because my husband 's career supports the well-being of the XXXX XXXX XXXX XXXX soldiers. 

On XXXX XXXX, XXXX, we returned from XXXX to the United States ( to Ohio ). In XXXX we purchased a XXXX from XXXX XXXX in XXXX, XXXX. We paid {$600.00} extra to have this vehicle returned to the XXXX using their " white glove '' service. 
On XXXX XXXX, XXXX, our XXXX XXXX XXXX arrived in Ohio XXXX XXXX ) after a XXXX delay, sitting at a port in XXXX. 

The XXXX overseas shipment program has been less than satisfactory and promises more than it delivers to XXXX soldiers and diplomats. We have encountered various issues along the way. Truly the only benefit to paying that much money was so that our vehicle was delivered closer ( in proximity ) -- that's it. Our current Volvo Rep at XXXX in XXXX, OH, is terribly unaware of the process. I do believe that Americans are being ripped off repeatedly overseas, specifically in XXXX at our military bases, due to over promising and under delivering. Who is overseeing and keeping these business practices ethical?
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (NJ)

CFPB Ref # XXXX AMEX had billed me {$590.00} ( annual renewal fee ) for a card that I do not utilize after the pandemic. Most vendors that I utilize, stopped accepting AMEX. 

AMEX purportedly is owed approx {$200.00} ( fees ) for some late payments in XXXX. I tried to explain that I had family medical issues that started in XX/XX/XXXX, after the pandemic and this occurred again in XX/XX/XXXX and has created continuous problems with family 's circumstances. 

AMEX most recently, has offered a pay to settle for approx {$330.00} on or before XX/XX/XXXX. I am trying to resolve this matter. I called the toll free number and asked for a pay for delete. The individual I spoke with at AMEX ( XXXX ). works in XXXX and said that there is no such thing as pay for delete with AMEX. When I questioned her, she said she wasn't sure and I would have to speak to another representative within AMEX ( again in XXXX ). Another representative came on the line and wanted to me go through the card number, DOB, social security number, etc.. I am being told that I'm being transferred to a supervisor, yet it seems odd that I'm reiterating my info again. Something is wrong! 

I am trying to resolve this minor issue and I keep getting bounced overseas to XXXX. I want to speak to someone in the USA to resolve this. My family and I used to get various calls ( which have stopped now ), from XXXX with thick accents as well, saying they are from AMEX. It was harassment for months. he collection representatives said they are from AMEX but they are from a collection agency. The representatives would never identify themselves as being from the collection agency, but now after I contacted the CFPB initially, AMEX has provided a written response by letter ( dated XX/XX/XXXX ), that the representatives are not AMEX employees but part of XXXX XXXX XXXX, XXXX. 

This is a minor item and it can resolved with a conversation domestically here in the USA. I'd like to have AMEX provide me with a contact person to resolve this issue. You will see that AMEX sends response letters after complaints to the CFPB with an address in Florida. There is no name or contact details for a specific person to contact, rather we call various toll free numbers and get bounced around. The letter is signed by XXXX XXXX. Who is this? Why does AMEX hesitate to sign a letter with a proper first name and last name, but yet requires customers to state, verify and reverify all their personal details? 

I find it difficult that I am contacting an AMERICAN company and can not reach an AMEX employee in the USA to resolve a minor {$200.00} issue.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (UT)

Hello. I literally came into a branch on XX/XX/XXXX and spoke with someone about making sure my account didnt get closed. I called customer service and they said the account never got unlocked. So now Im here waiting 5 days for my paycheck to get deposited into my account because of Wells Fargo XXXX up. I need my money and I had called wells Fargo 2 times Wednesday XX/XX/23 at XXXX and then at XXXX to find out where my check was. I now I have to wait XXXX more days to receive my paycheck because again of Wells Fargo XXXX up. This is complete XXXX! I called and spoke with a XXXX of customer service XXXX  and she started cursing me out. Saying I never called, Im just lying then why do you guys record your calls? Because you can go back and check them! XXXX XXXX and I cant go longer without my paycheck! And Im not paying the overdraft fees in my account because of you guys XXXX up! I had already asked about getting them waived and I was told yes and then all of a sudden no. I shouldnt have to wait this long for my paycheck!!!!
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX credit card included in BK. Should be closed as of XX/XX/XXXX. XXXX loan separate, but on same account. BK Reaffirmation of Debt was on XXXX loan ONLY, not credit card account. Credit card should be closed as of XX/XX/XXXX. All three credit reporting agencies are including the credit card debt in years XX/XX/XXXX and XX/XX/XXXX. Have contacted XXXX to no avail. Please help. 

Thank you
Consumer complaint received 2024-01-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

A collection showed up on my account from XXXX XXXX XXXX Colorado for XXXX. 
The account was created in 2023, and i have been using XXXXXXXX XXXX for XXXX years. I have attempted to located information. I did not open an internet, phone or tv account with XXXX XXXX in the last 7 years or more. 
I have disputed through XXXX and it continues to come as verified and valid. I have never received notification in the mail for a bill from XXXX XXXX. 
I have never received and invoice- i have lived at my current address for XXXX years.
Consumer complaint received 2023-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advantage Financial Service LLC (Idaho) (ID)

I went to XXXX XXXX XXXX on XX/XX/XXXX. I never received a bill or statement. in XXXX XX/XX/XXXX, I got a call from Advantage Financial Services saying I owed money on a medical bill. The representative gave me the medical bill provider information and I called to see what it was for. It was for the medical service on XX/XX/XXXX. I stated to them that I never received any communication on this bill. On the first call with the 3rd party bill, I was told they sent 1 statement on 2/25/23. I found out my rights and called back to the 3rd party biller and spoke to someone else, that representative told me there was XXXX  statements sent out on XX/XX/XXXX and XX/XX/XXXX. The XXXX party biller said that was all the are required to send out. I also disputed I got these and they made changes to my account for future communications. 
I then called the office XXXX at XXXX XXXX XXXX, XXXX. i went over with her that I could have got the statement but I do not recall getting anything. I said that I have made arrangements or taken care of every other medical bill related to the XXXX from the XX/XX/XXXX visit. She then called me back on XX/XX/XXXX to say they listened to the call with the XXXX party biller and there was nothing they could do and the bill would stay at the collection agency. When I initially spoke to XXXX she agreed with me that XXXX statements mailed out, no phone call, no other attempt to contact me did not seem right. 
I have taken care of all other medical bills, so why would I not contact them if I knew about the bill. I have verified they made not other attempt to contact me than the supposed XXXX statements sent. 
I had saved money on my XXXX XXXX XXXX pay any smaller medical bills before I paid the largest XXXX. I waited until May, I figured by that time I would have all the bills in and budget how to pay. I could have and would have paid this bill had I received. 
I will not be letting this go. What they did is wrong on XXXX even said that on our initial phone call.