davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-06
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: AMERICAN EXPRESS COMPANY (GA)

I do NOT have a signed contract nor any contract with American Express. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping. They sent a letter stating that I paid this bill with my XXXX account and lucky for me I never had a XXXX account. So like I have been stating I do not have an account with you. Also you stated that I had two accounts and decided that one of them was fraud when they both are. After contacting XXXX because American Express refuse to do any leg work to find out the truth. XXXX stated they never has an account in my name under my social security number. They did state an account was open with my social under a different name that they could not disclose to me because it was not my name. PLEASE QUIT DESTROYING MY CREDIT WITH FALSE ACCUSATIONS. Also they can get my credit report from the same people that they are reporting the negative info to. All three credit bureaus have a copy.
Consumer complaint received 2023-04-24
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. (TN)

TRANSUNION IS ALLOWING XXXX  AND XXXX TO ATTACK MY CREDIT FILE. THESE COMPANIES ARE REPORTING 3 COLLECTION ACCOUNTS FOR THE SAME CREDIT FILE IN ORDER TO PUNISH ME FOR ASKING FOR THE PROOF OF THESE ACCOUNTS. THIS IS ILLEGAL. TRANSUNION CAN NOT PUNISH ME WITH THESE COMPANIES JUST BECAUSE THEY DO NOT HAVE THE PROPER DOCUMENTATION NEEDED TO HAVE ACCORDING TO THE FAIR CREDIT REPORTING ACT. I DEMAND TRANSUNION DELETE XXXX AND XXXX  ACCOUNTS DUE TO HARASSMENT AND ILLEGAL ACTIVITIES ACCORDING TO THE FAIR CREDIT REPORTING ACT 609 ( a ) ( 1 ) ( A ). THIS IS ILLEGAL!!!!!
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SECURITY CREDIT SYSTEMS INC (MD)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

THIS COMPANY ( CONVERGENT ) PLACED A COLLECTION FOR XXXX COMPANY THAT WAS ILLEGALY PLACED TO ALL CREDIT BUREAUS WITHOUT ALLOWING ME TO DISPUTE AS REQUIRED BY FEDERAL LAW TO DISPUTE THE COLLECTION. 

THIS ACCOUNT IS NOT MINE AND IS ADVERSLY HARMING MY CREDIT REPORT I HAVE REQUESTED AS YOU CAN SEE IN MY CERTIFIED LETTER TO THEM DEMANDING PROOF OF A SIGNED CONTRACT WITH XXXX AND ALL THEY DO IS SEND ME A STATEMENT WITH MY NAME ON IT. THEY HAVE FAILED TO PROVE THIS IS MY ACCOUNT WITH ACTUAL DOCUMENTED PROOF THIS IS MY ACCOUNT
Consumer complaint received 2023-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (NJ)

I applied for an auto loan and relieved a check in my name to buy the car. I found a truck I liked which ended up being a lemon, The loan was never returned and was left to me during covid. The original rate on the truth in lending statement was at 7.19 % which was an affordable payment. 

After 6 months There was no title to be sent in as collateral they then changed the interest rate to 18 % making it ver unaffordable to continue paying this back. The payment used to be XXXX then jumped to XXXX. I payed this for the last XXXX years and the loan has not moved an inch but as a matter of fact gotten worse with having to defer payments and push them to the back of the loan. this has been nothing but a nightmare ruining my credit. 

The loan is still currently being reported to my credit as an auto loan but there is no auto. because of this no bank will approve me for a car to even find a job. the Interest rate increase made it impossible to keep up with. 

I have contacted Navy federal they refuse to help me they do not want to lower the rate they refuse to alter the loan toa personal and inorder to settle they want me to come up with XXXX right away and give me a XXXXXXXX XXXX plan of 12 months to remain paying additional XXXX / XXXX  month XXXX per month IMPOSSIBLE
Consumer complaint received 2017-12-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have attached a letter for the following Collection Account Companies. Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my XXXX clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

Dear XXXX, Subject : Unauthorized Deduction from My PayPal Account I am writing to formally bring to your attention a matter of utmost concern regarding my PayPal account and an unauthorized deduction that has taken place. 

My name is XXXX XXXX XXXX XXXX, and I created a PayPal account " XXXX '' in XXXX of this year. Unfortunately, after using my PayPal account for a few weeks, it was unexpectedly limited, with approximately {$2000.00} in my account. I was unable to resolve the limitation and some senders filed chargebacks totaling {$600.00}, resulting in a balance of {$1400.00}. 

As the 180-day waiting period passed, I received a notification that my funds were eligible for withdrawal. However, upon checking my account, I discovered that my balance had been reduced to {$1200.00} instead of {$1400.00}. 

Upon further investigation, I adjusted my transaction filter to cover the period from 90 days to a year, and I uncovered a disconcerting revelation. PayPal had transferred, or in simpler terms, deducted funds from my balance, claiming that it was a " negative balance. '' I would like to emphasize that I do not have any other account in my name with a negative balance. 

This situation is deeply troubling to me, and I believe it amounts to a case of financial mismanagement and potential theft of funds. I have exhausted all possible channels of communication with PayPal to resolve this matter but have received no satisfactory response or resolution. 

I am reaching out to the Consumer Financial Protection Bureau for assistance and intervention in rectifying this issue. I kindly request that you investigate this matter and help me recover the funds that have been wrongfully deducted from my PayPal account. 

I have attached relevant documents and evidence to support my claim, and I am willing to provide any additional information you may require to facilitate your investigation. 

I look forward to a prompt response and resolution to this matter. Thank you for your attention and assistance in this regard. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-17
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: MOHELA (VA)

I was advised by student aid that my identity was compromise, and use to access my account. As a result, they did suspend my account and currently I do not own a student aid account. I have disputed this information multiple times, and attached the verifying email that was sent to me. 

XXXX XXXX has not remove these accounts, which came from no transactions, made by me with my Social Security number I have been a victim of identity fraud multiple times.
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

My complaint is towards Coinbase where I previously had XXXX euro  stored with them in what I believed was a secure wallet. On XXXX.XXXX.2017 I tried to login to my account at XXXX ( a subsidiary of Coinbase ) which I accessed through XXXX ( the first link in the search ) and was instead taken to a phishing site XXXX, set up exactly the same way as the original site. I tried to login and after two failed login attempts using my XXXX protection codes I recieved two emails, one which stated my email account had been accessed from an unauthorized location, and another to say I had transferred the entirety of my account in the form of XXXX to an unknown address ( screenshots attached of both emails ). After this happened I obviously contacted the company via email to explain the situation, whereby I was reasonably promptly sent a generic reply saying they had blocked my account and asking me to complete a series of questions as a security review. I changed my passwords as suggested and was told I would recieve a reply within 5 days. In the meantime I did some research online and realised I was not the only person to fall victim to this fraud and that Coinbase had been  notified of this security breach as many as 11 days earlier via XXXX ( screenshot attached ) yet failed to do anything about it in order to ensure their customers were suitably protected. When I did recieve the reply a few days later, it was once again a generic response which somewhat predictably washed their hands of any wrongdoing and implied I would not be able to get my funds returned to me. After speaking to others who were scammed the same way and who have since seeked legal advice, Coinbase should be held liable for this breach of security and should refund their customers as they failed to act quickly enough to extinguish the threat. I hereby declare that I would like my original amount of XXXX euro refunded to my Coinbase account and my account unblocked as soon as possible or I too will be forced to take legal action against the company
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (PA)

On a recent trip to XXXX, we were charged an exchange rate on our credit card { Chase Bank } well in excess [ over XXXX % ] of the rates posted at local banks and Chase Bank competitors. The banks market waiving the " transaction fee '' which was for a flat rate communicated by the bank in favor of this much greater fee ... the calculation of which is not stated. Is n't there a fairer way to calculate and communicate the exchange rate? 

Thanks XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX did not properly notify my of payments starting again, should have been sent in the mail. I found out threw my credit report. In XXXX I followed the process that XXXX ask me to do to become to bring my account to a current status or forbearance. My Account was in current status as of XX/XX/23. XXXX then reported to the agencies that I was past due again on XX/XX/23. XXXX stated that they could not change this, but this is clearly inaccurate reporting. And if this much is inaccurate then what else or they falsely reporting on consumers. And it appears that no Agency is really doing a thorough investigation into this situation. I have documents from XXXX that states I owe nothing until XXXX but the continue to fill my credit with 90 days past due. XXXX past do in XX/XX/XXXX past due in XXXX that equals 180 days past due. But they reported me current in XXXX, XXXX and XXXX. Clarification is still needed.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (CA)

I wanted to open new account in BMO along with safe deposit box. Called XXXX branch. spoke with manager- XXXX XXXX she gave me appointment on XX/XX/XXXX. When i reached, she took my information, promo code etc and then told she cant open my account and asked me to come other week. i went to bank with my wife other week ( on XX/XX/XXXX with appointment ). we cancelled all our appointments and went to bank to open new account. After going to branch, bank manager started giving different excuses. first she told my appointment is on wednesday, then she told bank computer system is down and they will call me once system is stable. one other employee wanted to help me but bank manager turned her down and asked us to come other time. its been whole day and they never called me. How can computer system can be down whole day in the bank next to XXXX campus and in XXXX XXXX. I saw other people going to bank. Later that day, i again called them and asked if their system is stable. Some employee picked up phone and she wanted to give me correct response but some other male manager picked up phone and he told me i can not open account at their branch because our business interest don't align. this is clear discrimination against XXXX people. I have been seeing such discrimination in this branch ever since i visited. they are giving me some or other excuses and don't want to help me open new account. i asked them multiple times that i will open account online then they said no, i can not open account online. if i open account online then they will not give me safe deposit boxes. I tried complaining to their customer service over the phone, XXXX and XXXX. They kept telling me I will get response in 1 -2 business days and so far I did not receive any feedback.
Consumer complaint received 2023-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (IL)

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX  XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Consumer complaint received 2023-07-16
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)

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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My aka name, current previous address, cell number, employment history, account ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - not mine ) mixed with someone.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc (CA)

The company has regularly violated Federal law by conducting background checks that go back farther than XXXX to 10 years. As a result my current background check requested by XXXX has been delayed. I have attached proof of said allegation. I lived in the XXXX XXXX Georgia and Maine in the late XXXX 's and XXXX 's. Also the company just cleared me to work for XXXX in XXXX of XXXX, at which time the report was completed in XXXX business days.
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX ( I NEVER HAD LATE PAYMENTS ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I NEVER HAD LATE PAYMENTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CarMax, Inc. (IN)

My vehicle was repossessed from my enclosure a day before after I told them I would next day air my correspondence. CarMax was asked for a full disclosure of my vehicle and I was not provided that right. I also sent them my correspondence to pay the entire amount and they refused to accept my endorsed bill accordingly to the Bill of Exchange telling me to pay cash money which violates the Bill of Exchange. I am demanding my vehicle back in return along with the title. I followed the law and they are giving me a hard time getting it back. This company is not upholding Federal Laws and this is why I will be exercising all rights.
Consumer complaint received 2023-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (GA)

Zion Debt Holdings sent a letter in the mail and nothing in the letter was what was requested. I have spoken to someone on the phone from XXXXion Debt and they assured me that they had the right person and the original contract with a wet signature verifying that this was indeed my debt. The letter that was sent was not what the representative said they would send to prove verification of the debt. This is not my debt, Zion Debt will not be paid by me for this account. At this point they have not done a thorough investigation into this and they are now trying to strong arm and bully money. One my credit report it states this account was opened by me on XX/XX/XXXX, th XXXX, this is incorrect and is not my debt. Zion Debt Holdings must follow the Validation of Debts ( 15 U.S.C. 1692g ) I requested validation for this debt and they did not send what the law requires for verification. The verification for this debt must fit the requirements within the law. There is no social security numbers, birth dates nor wet signatures provided to verify this information. This is not a verified account.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (DC)

Somehow my account with Nelnet had an email address associated with it that was not mine. I spent XXXX hours on hold for them to explain to me they didn't know why it was there. They had no info on who or when it was changed, or how much of my personal data was sent to this email address. This also caused my payment to be late, as the last email I got was inXX/XX/2022 and it was stating that my loan WOULD NOT be sold to Nelnet ( which it later was ). I only found out about it because I heard something on the radio about student loans. The person on the phone also told me to pay the over due amount so it wouldn't get sent to collections - from what I've read online since then, I should not have even had to pay that, let alone the interest and late fee.