davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-14
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: United Compliance Services, LLC (WI)

I was contacted at work this morning by a clamming to have a certified envelope for me and he wanted to not serve me at work. I told him I could meet him in the lobby, but then he said he was not on he premises but for me to call the toll free number to pick up the envelope locally that once a called I wo n't be served at the office. I called the number and was told that there was no envelope to pick up in XXXX where I work or in XXXX where I live. That the man who called did not work for United Compliance Services. That makes no sense since he is the person who gave me the number to call.The woman then said I would be garnished for a pay day loan, that I was already garnished for in full fin 2013. I told her she had the wrong information and she said that everything was already verified and that if I did n't agree to pay her {$350.00} immediately I would be jailed and garnished again. I told her that I was not agreeing to anything that was not in writing since she had the wrong information. I was not paying the debt XXXX. She said had no choice but to send the garnishment to my employer and then hung up. 
This is really a problem for me since I have already paid this to the original place XXXX XXXX XXXX. There is a mix up, and I do n't want them to threaten or harass me especially at work.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have called and spoken to approximately XXXX people at XXXX to dispute an account from them that is listed on my credit report through them. It states that I closed the account and it went to collections, and that I still owe {$270.00}. I have never closed my account with them, the account number listed is not even an account number that they have. They have confirmed orally to me that I do not owe them any money, and have an active open account. They will not remove it because they tell me that they did not report it. It clearly shows that XXXX reported it though.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX : XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2017-01-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

Account was flagged for fraud. This account was a account that was opened for a specific reason. The account had very little activity as the reason for opening the account did not play out as soon as I had thought. After I attempted to finally use the account I found that there was activity several months ago that was not from me. The account was flagged for fraud rightfully so but TD never reached out to me to let me know. TD customer service says they tried to contact me via telephone one time but i do not have voicemail regarding my TD account. Several months later when i discovered the issue TD says I will most likely have no actions taken to retrieve the money as it was far to long ( roughly 6 months ). I dont believe I was contacted properly and I do not have a paper trail or voice mail. my complaint is for the lack of effort on a banking institution to contact a customer when fraud is being committed. The money is a small amount but what truly bothers me is the lack of help i received from the bank after being a victim of fraud and robbery.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : XXXX  Request for Immediate Removal of Adverse Information Under the Debt Bondage Repair Act Dear Experian Dispute Resolution Team, This letter is my third formal request for the immediate removal and blocking of adverse information from my credit report under the Debt Bondage Repair Act. I originally submitted my dispute on XX/XX/year>, along with all necessary documentation as a victim of debt bondage and human trafficking. Experian has failed to act within the XXXX timeframe required by law to block the requested adverse information from my credit report. 

Under Regulation V, 1022.142 ( e ), Experian has violated the following federal requirements : 1022.142 ( e ) ( 1 ) : Adverse information must be blocked within four business days of receiving a valid submission. This deadline has long passed.

1022.142 ( e ) ( 2 ) : If additional documentation was needed, Experian should have notified me within five business days, which has not occurred.

1022.142 ( e ) ( 3 ) - ( 4 ) : Experian can not challenge the facts or circumstances provided in my trafficking documentation.

I am formally requesting the following personal information, accounts, and inquiries be blocked from my credit report immediately : Personal Information to Block : Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts to Block : XXXX XXXX ( XXXX accounts ) XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts ) XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX Inquiries to Block : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 is unacceptable. Should Experian fail to block this information immediately, I will escalate the matter further by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action if necessary. 

I look forward to a prompt resolution and written confirmation of all actions taken. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (MI)

Diversified ADJ SVC balance {$1300.00} Opened XX/XX/XXXX I have no knowledge of this Account This closed accounts, I have no knowledge of XXXX XXXXo {$920.00} XXXXXXXX XXXX {$430.00} XXXXXXXX XXXX {$580.00} XXXX  {$130.00} XXXX  {$65.00} These accounts are hindering my credit file. Please remove.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX - Account Number : XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-06-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX Account Number : XXXX Misleading false reporting unverified/inaccurate date last active and date open list 2. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX Account Number : XXXX Misleading false reporting unverified/inaccurate date last active and date open list 3. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 4. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation
Consumer complaint received 2015-05-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

I tried to do a wire transfer on Chase.com website on XXXX/XXXX/15, which was not possible. When inquiried with their customer service, I was told their system was down and I had to go into a local branch. After rushing into a branch to make their wire deadline, they first attrmpted to charge me more for coming into the branch. I had to fight my way to credit me for the wire. I then found out at the end of the day that they sent out a duplicate wire due to their system malfunction. I have been trying for the past XXXX days to get my money back with no end in sight. All I get is a run around if I call. I was given a case # to start a " best effort '' recall action with no result. They said this was an error on their part but they just apologize for it while I am out of pocket.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In reference to XXXX XXXX # XXXX account. 

This is my FIFTH REQUEST asking you to remove the unverified account. I have disputed this account several times online and in writing with no resolution. This account still remains on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2022-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I took out a home equity back in XX/XX/XXXX for the amount of XXXX a XXXX period paying an interest rate of 10.99 % the home equity should have been paid off on XXXX I have made all my payments where they debit the money directly from the account. I was late for 3 payment and they defer those payments to the end of the loan at this time the new servicing company Select Portfolio Servicing is telling me that I still have an outstanding debt of XXXX I have try calling them to give me an amortization schedule of all the payments I have made, as well if there were any documentation that I would have signed that would have extended this loan that there should not be any since I never sign up for a refinance or modification since this is the answer they keep providing me that I had to do to still owe this money but they have not provided me with any evidence of this.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (IL)

To Whom It May Concern, I was charged {$67.00} of interest by Chase credit card services from XXXX despite clearly being informed by XXXX in XXXX on XXXX/XXXXXX/XX/2015 XXXX I had until XXXX/XXXXXX/XX/2015 to pay my account in full ( which I did ) to avoid any accrual of interest. Upon requesting that my interest fees be waived due to this apparent misinformation on XXXX/XXXX/XX/XX/2015, XXXX senior service representatives, XXXX and XXXX, were extremely inconsiderate and would not honor the assurances previously made by XXXX ; furthermore, they saw no relevance to my plea for a review of the recording of that call and resisted arranging it. As a result, I have cancelled my account with Chase and demand the reversal of these charges given the extenuating circumstances. Thank you so much in advance for your time and assistance in this sensitive matter.
Consumer complaint received 2016-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (GA)

National Credit Systems Inc placed on my credit that I was high risk for a debt that I was never aware of and a debt that they never made me aware of. I never received any call or any communications even though the XXXX XXXX creditor ( XXXX XXXX XXXX XXXX ) had all of my information ( my email and place of work that they needed for employment verification to even apply for the apartment complex has not changed in the past 3 1/2 years ; I was a resident from XXXX XXXX XXXX ; employed with XXXX since XXXX XXXX ). With that being said, I also never received a debt verification letter. I was only aware of the debt after I tried to apply with a previous residence and they told me I was declined because of the debt in XXXX. Keeping in mind that XXXX XXXX did n't even know who I was initially when contacted by the apartment complex I was applying for rental verification. Afterwards I went to XXXX XXXX to see what the problem was and I meet XXXX XXXX who is the current property manager. She was extremely unhelpful, of course, and before I was introduced she spoke to her assistant in front of me in XXXX ( she did n't realize that I spoke some XXXX ) about my situation. I asked her about the situation in XXXX and she told me that she could n't give me any information. The only information that she gave me was that they had me moving out on XXXX ( mind you the debt collectors reported " my '' debt to the national credit bureaus in XXXX ) and she said " something about carpet. '' She did n't furnish me with a list of infractions or anything, even after I asked her. All she said was that " she deals with this all the time '' and that it was " out of her hands. '' She gave me an email but was hesitant to give me the name of the person to whom I was sending the email to. The only notification I got from the National Credit Systems , Inc was after I disputed it with XXXX in XXXX and the letter states that they have already reported to all XXXX national credit bureaus. Still no debt verification or contact outside of that letter in the form of email, phone call, or even through my job ( I would n't even mind that if it meant paying a debt that I actually owed ). " We urge you contact our office to begin this process and to avoid other collection remedies available under the law. ''
Consumer complaint received 2016-05-02
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (NC)

For my job XXXX. These profiles are not used anywhere other than in our testing environment. 
Today I received a XXXX XXXX paycheck card from a company called netSpend. The card is associated with XXXX of my XXXX, but it has my personal home address on it. 
There is no way this company obtained this profile through legitimate sources. I tried calling the company but was not able to get through to anyone. 

Account number is XXXX XXXX XXXX XXXX Name on the card is XXXX XXXX
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporter Act, 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 your account without my written instruction
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Hello, I disputed an adverse account listed on my TransUnion Credit report. Of the XXXX credit reports only trans Union shows this. I disputed it as it should not be on my credit report. I enrolled in a free trail membership ant a martial arts Gym and cancelled well within the free trail cancellation window. The Gym gave me a very hard sell but I refused to join. They continued to send me bills even after I had spoken with the head instructor and he agreed to not bill me. TransUnion did not provide any further details about their investigation or why this martial art gym shows up on my credit report as an adverse account. I work very hard to ensure my debts are paid in a timely fashion and this is the only ding on my credit report and it is false. 

Any assistance would be greatly appreciated. 

Thank you for your time.
Consumer complaint received 2015-06-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (VA)

I bank at TD Bank in XXXX, VA. I have a checking account and a savings account. The checking account is an account for Senior Citizens. I am retired and receive a monthly Social Security check and a pension check from my former employer. My wife continues to work and will receive her XXXX Social Security check next month. In checking my bank statement today, I discovered that I had been charged five overdraft fees of {$35.00} each. 
My account never had a negative balance. My wife and I went to the bank on this past Saturday to deposit a payroll check from her company. I specifically told the Teller in front of my wife that I was depositing a pay check and asked her to deposit the amount of the check as cash as the bank had agreed to do many times before. The Teller advised me and my wife that the check was deposited as cash. Today, I discovered that the bank had deposited {$500.00} as cash and the remainder of the check as a check subject to the banks holding policy on checks deposited into checking accounts. I called the Customer service XXXX number and explained the problem. The service representative understood my complaint and put me on hold to talk to her Supervisor. When she returned to the call, she advised that she was transferring me to her Manager to resolve the problem. Her Supervisor immediately got the Branch Manager of the XXXX Bank on the line and left the call. I explained the problem to the Branch Manager and she asked me if I had identified the check as a payroll check. I told her that I had done this as I have done many times previously. She said that the Teller was working today and put me on hold to ask her if I had identified the check in question as a payroll check. She got back on the line and said that the Teller did n't recall but later called me back and said that the Teller did remember cashing my check as cash, giving me {$500.00} at the time and depositing the remaining {$1600.00} as cash into our checking account. However, our account did n't reflect this understanding causing the {$170.00} overdraft fee. The Branch Manager said she would look into this but called me back to advise that she could n't reverse the {$170.00} overdraft fees because there has been a change in policy resulting in our account being charged the fees. I told her that we were not advised of any change in policy and the Teller had told us that the check was being deposited as cash into our checking account. Our checking account still remains debited for {$170.00}. I believe that TD Bank is fully aware of my problem and similar problems but has failed to change their accounting rules and processes because these mistakes benefit the Bank at their customers expense XXXX. I am asking the CFPB to help me resolve my specific problem by having the bank return the {$170.00} in fees to me and to look at the broader consequences for consumers if this TD Bank policy is allowed to continue.
Consumer complaint received 2016-08-09
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (PA)

In XXXX XXXX, I leased new XXXX Chevrolet CRUZE. On XXXX XXXX, XXXX, I lost my employment and monthly income. I could no longer drive the car and could not make the monthly lease payments or automobile the car and could no longer pay the insurance payments. I contacted Ally and explained my situation and wanted to voluntarily turn in the car. 
There reply was that I would need to pay the balance of the lease in the amount of {$2700.00} and then turn in the car. They wanted me to drive the car to Maryland. I once again stated that I could no longer drive. I stated this was not possible. On XXXX XXXX I once again contacted Ally and restated the circumstances and requested they pick up the car at my residence before XXXX XXXX when the insurance would expire. I next contacted Ally on XXXX, XXXX, and was told they were working on picking up the car and would contact me and let me know when the car would be picked up. As of today, XXXX XXXX, XXXX, I have not been contacted,