davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

XX/XX/ I went inside the TD bank located on XXXX, NJ to withdraw {$9000.00}. The bank teller asked the manager to get the key for the vault as he ( teller ) only have {$2000.00} in his till and will need {$7000.00} from the vault to complete the transaction. The manager told me that she can't open the vault and I have to take what they have in the till and go to another Td to get the additional {$7000.00}. I asked for the money and told her repeatedly that I have an emergency and needed the money without avail. I left the bank really dissatisfied/disappointed. I called TD customer service and they couldn't understand why I was denied my money. I called the customer service again layer that night and asked for an ATM withdrawal increase that was only good for 24hrs. I don't know what else to do so that my money can be available to me. Please help!!!
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CT)

WHEN I CALLED TO XXXX TO ( XXXX XXXX XXXX)  A  NUMBER THAT I WAS GIVING FROM COLLECTION AGENCY (CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX, MA XXXX) I TRYED TO GET INFORMATION REGARDING THIS ACCOUNT IN COLLECTION, THEY COULD NOT FIND ANYTHING UNDER MY NAME, OR SOCIAL SECURITY NUMBER . ALSO WHEN I DID REQUEST STATEMENT BILLS FROM AT LEAST 3 TO 5 MONTHS OF SERVICE WITH DETAIL FOR EACH MONTH FROM : 
(CREDIT COLLECTION SERVICES
XXXX XXXX XXXX XXXX XXXX, MA XXXX ), I WAS NEVER GIVING THOSE DOCUMENTS, THEY JUST SENT ME A DOCUMENT WITH SUMMARY OF AMOUNT OF MONEY, AND COMPANY NAME ON IT THAT   WAS PUTING ME  IN COLLECTION.  I DO NOT KNOW HOW LEGAL IT IS THAT COLLECTION AGENCY KEEP INCREASING AMOUNT OF MONEY IN  ACCOUNT EVERY MONTH.  THE ORIGINAL AMOUNT OF MONEY FROM COLLECTION  AGENCY SENT TO ME FROM FIRST LETTER WAS (XXXX XXXX) , IS NOT THE SAME  AMOUNT  FROM XXXX XXXX  ORIGINAL AMOUNT( XXXX) .
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XX/XX/2023, my entire bank account balance was debited and I am now left with no money. I bank with Citibank. I have went to the bank several times, and they were unable to provide me with an explanation. The bank was unable to specify the reason for this withdrawal, and now I am left in limbo with {$220000.00} unaccounted for. I have even went to the branch, and they told me that they could not " divulge any information '' and to wait 30 days. My reference case number with them is : XXXX. I am unable to fulfill my mortgage obligations and could run into serious troubles if this is not handled. May you please assist me with this issue ASAP? Thank you very much!
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

I received a XXXX in XXXX of XXXX and Citi continues to report that I owe the entire balance of {$960.00} as of XXXX XXXX XXXX. Below is the letter that I faxed on XX/XX/XXXX ( XXXX ) to Citi 's XXXX XXXX XXXX 

XX/XX/XXXX Citi Bank XXXX XXXX XXXX XXXX  XXXX Good afternoon, I am writing regarding my Brooks Brothers ( XXXX ) account, I was given a cancellation of debt, form 1099-XXXX which states that the creditor ( Citi Bank/ Brooks Brothers ) has cancelled this debt and no action is required. 

I am also aware that the amount in question has already been filed as income under my XXXX taxes, therefore I have already settled the balance in full. 

I called on XX/XX/XXXX and spoke with XXXX and she informed me that since a 1099-C was issued that there is no option to make a payment on this account, but that she would notate my account. 

I called on XX/XX/XXXX to investigate further, and XXXX gave me the exact information that XXXX gave me, this debt has been cancelled and since the 1099-C was issued in XXXX, I settled this debt via my tax return. 

I am in the process of purchasing a home and this account is impacting my credit score, it shows that I have been carrying this balance for the last year, but that cant be possible since I was issued a 1099-C. I need to have the account balance updated to {$0.00}, or I need this account to show as settled in full, or I need this account completely removed from all three ( XXXX, XXXX, XXXX ) credit accounts. 

Once the account has been updated to {$0.00}, settled in full, or removed, I am requesting that someone contact me via email ( XXXX ) no later than Friday, XXXX XXXX XXXX 

Thank you for your prompt assistance regarding this matter.
Consumer complaint received 2023-07-01
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: DISCOVER BANK (TN)

Discover bank did not resolve issues I complained about to them since XXXXXXXX XXXX XXXX. I called Discover multiple times complaining about fraudulent and unauthorized charges being made to my card. Discover did not change my card nor act on those complaints until XXXX XXXX XXXX, I also filed an identity theft report at identitytheft .gov after I was instructed to do so by a law enforcement officer, reference number XXXX. Discover was called and notified of the situation and instead of assisting, discover increased my credit limit to {$5400.00}. I did my limit was {$4500.00}. I did not use my credit card to charge {$4500.00} or {$5400.00} worth of charges. All charges on the card are fraudulent
Consumer complaint received 2023-07-01
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I set up forbearance with Navient and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from Navient ). However, Navient reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to Navient Credit Reporting department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of DISADVANTAGED ( person of XXXX from low income area ) customer right after XXXX lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders.
Consumer complaint received 2023-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MI)

Ccs collections Progressive insurance Company has been furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.As defined by the *** Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return.The *** clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By definition the *** clearly says a canceled debt or charge off is income. The reporting of this account as a debt is in accurate
Consumer complaint received 2023-07-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (MI)

Spring oak capital llc known as XXXX XXXX XXXX XXXX has been furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.As defined by the *** Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return.The *** clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By definition the *** clearly says a canceled debt or charge off is income. The reporting of this account as a debt is in accurate
Consumer complaint received 2018-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (MI)

On XX/XX/2018, I was approved for a loan for XXXX for annual percentage rate of 29.91 %, Finance charge of XXXX, amount financed XXXX, total payments XXXX, number of payments 59, and a monthly payment of XXXX.All payments are due on the XXXX of every month.All payments are automatically deducted from my checking account every month.This XXXX   loan is owned by XXXX XXXX but serviced by XXXX.Every month my payment is due on the XXXX, XXXX always takes the payment out two days later which screws up my account because I have other bills due and causes fees from my bank for insufficient funds.Just recently I was charged XXXX because the ach bounced.I feel im being taken advantage and beginng to feel this loan is a scam
Consumer complaint received 2023-07-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (DE)

This is what is occurring to me right now XX/XX/XXXX Friday, XX/XX/XXXX, I just received a wage garnishment from XXXX and XXXX PA XXXX Apparently, I was sued by them on XX/XX/XXXX. I was unaware of this until yesterday. I was never served or received anything regarding this lawsuit in XXXX. This was intentional, as they don't want you showing up to a lawsuit that is fraudulent/frivolous. 
I do not recall having a Citibank account in the previous 10 years. If anything, they were time-barred from filing a lawsuit. This is the reason they didn't want me to be aware of it. At the same time, this was said to me being served. My partner was being sued by XXXX. We were served XXXX 's paper with no problem. I find it hard to believe Citi couldn't find us. That's because they never tried. 
I pulled all three of my credit reports. There is no account from Citibank or XXXX and XXXX XXXX Not even under any collection agency of any name, for Citibank XXXX 
The judgment occurred in XX/XX/XXXX. I have been working for my employer since XXXX. Last Friday was the first I heard of wage garnishment. This last Friday they over garnished my pay. The amount in the state of Delaware they could have legally taken was {$29.00}. Instead, they took {$110.00}. I havent figured out why they are taking 400 % more than they should be. 
The first time I heard of this was XX/XX/XXXX. XXXX who issued a paycheck from my employer, mailed me a letter stating they were going to garnish my next paycheck. The sealed envelope clearly states that this is a wage garnishment This way my neighbors who get the mail for me and my postman can be made aware of my wage garnishment before I am even aware of it. Of course, nothing surprises me about this illegal transaction. 
I feel this wage garnishment was intentionally started and I was notified of it on a holiday weekend. The reason being I am unable to get in contact with an attorney, due to the holiday. I am aware the XXXX of XXXX holiday is a long one for most people. I have maybe 10 days to file something with the courts. Of course, they are closed as well. 
Ive got to give CitibankXXXX credit on a well-thought-out scam. Think of how many people will be scammed out of money. 
The amount I was sued for was {$2000.00} in the court of common pleas, XXXX XXXX, Delaware. 

PS. Do I have proof of everything I just stated? You bet I do. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-01
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-29
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: Paypal Holdings, Inc (UT)

I received a letter in the mail from pay pal that my account could not be approved because they couldn't verify identity. Not a company I've used at all, and then I got a notice today that a new address in California was added to my credit file. This isn't me. I called the number on the notice, but it required my social and I didn't trust doing that, and then got disconnected with no other options. I called XXXX  and got disconnected while trying to freeze my credit file and add fraud protection. 
Essentially, who ever is trying to use my credit has succeeded and a new account has impacted my credit. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CT)

Hello, I sold my car and called Chase bank in advance to inquire about the steps. Specifically, they advised me that title release should take 3-5 days, and I should have the buyer cut one check to pay them off and a separate check to me for the car equity. The buyer decided to use wire transfers so I asked Chase for wire instructions. The whole purpose of a wire is that funds are available to the bank immediately. However, Chase bank ( I even asked a supervisor ) insists their policy is to hold funds for 3 to 5 business days. Now I have a buyer who is upset because Chase is delaying the process to gain title to the car ( per State of CT procedure, Chase holds car title until loan satisfaction ). Also, they didnt properly explain that it would be 3-5 days to apply funds and additional time to clear the title.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (MN)

I received a letter in the mail from Chase Bank saying here was my new XXXX card. I immediately called the bank because I never ever had a chase account. The branch in question is closed down. I checked the mailing. So I now in my email from XXXX it saids that I now have a XXXX  card application. That's not me. I also put a freeze on my account. This maybe a chase employee or just someone hacking information. We have no chase branches in XXXX
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-08-07
Product: Credit reporting 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. (NY)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Paypal case XXXX XX/XX/23 XXXX XXXX account was suspended after I paid for a few expensive purchases. On the same day, I contacted XXXX and was instructed to dispute the charges with my bank/paypal as XXXX has terminated my account and will not ship my purchases to me. See attached for screenshot. 

XX/XX/23 I disputed the above purchase. It was for {$4000.00}. Paypal said XXXX has 10 days to response and if they dont respond, I will receive a refund. 

XX/XX/23 at XXXX XXXX  XXXX is the deadline for paypal to respond. Instead of letting the case time out for me to receive a refund, paypal had put it back in under review mode to prolong refunding me. Their policy is clear cut, if the seller can not provide proof of delivery or response within 10 days, buyer will receive a refund. 

Kindly issue a refund. You are illegally holding my money.
Consumer complaint received 2023-06-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (FL)

My family and I were affected by hurricane Ian last XXXX 2022. During the aftermath cleanup I severely XXXX XXXX XXXX causing a XXXX XXXX. This lead to me having financial issues and fall behind on some payments because I was put on working restrictions by my doctor and could not make my normal amount of income. I work a physically demanding job as an XXXXXXXX XXXX  which has me bending, twisting and lifting over XXXX pounds every day so I was severely restricted on the jobs I could do at work and not making almost any money. Prior to me being affected by this natural disaster my payments were all made on time and I find it unfair that there was no resolution or option for me at the time when I called and now my credit is being severely affected due to the late payment status.
Consumer complaint received 2023-06-29
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. (GA)

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. Please remove them promptly and ensure that they do not reappear.