davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (CA)

Myself and a representative from a company assist me with fraudulent activity have been on hold for a total of 3.5 hours and have not been able to get through on multiple occasions. Please provide updates so I can try to resolve this as quickly as possible. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I get numerous calls per day from what the Caller ID say Portfolio Recovery. Some days I get approximately 8-10 calls in a day. The actual phone number is never the same so blocking the number has not stopped the calls. Please help! Thx!
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/year> I attempted to send {$2500.00} to my daughter XXXX XXXX from my Paypal account. She did not receive the money and I began looking into it. 

On XX/XX/year> this amount was withdrawn from my checking account connected to my PayPal account. 

On XXXX I reported this issue to PayPal . Their response, apparently on XX/XX/year>, indicated the receiver of the money as my daughter with an email address of XXXX. 

I did not understand what was going on and tried to talk with someone at PayPal but I was not able to reach a person. On XX/XX/year>, I sent an email to PayPal, stated I was the only person with access to my PayPal account and did not type in or recognize XXXX, and asked the basis for the decision. 

In a XX/XX/year> online message, PayPal stated, " Personal payments are not intended for the purchase of goods or services from sellers and therefore can not be disputed. 

The XXXX person must have hacked into my account and used my daughter 's icon on my list. PayPal did not try to explain the mechanics of how this could happen and did not explain how they were not at fault.

Help!
Consumer complaint received 2024-07-11
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. (KS)

Attn : Experian Fraud Dispute Resolution XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, My name is XXXX XXXX. I am writing on my own behalf, to dispute several accounts that were fraudulently opened in my name and to request the removal of associated inquiries and collections from my credit report. I did not authorize these creditors to obtain my information, and upon contacting them, I was advised to request the credit bureaus to delete these entries. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Amount : {$630.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account XXXX : XXXX - Amount : {$150.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account XXXX : XXXX - Amount : {$1400.00} - Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Amount : {$190.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$1400.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Amount : {$11000.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$630.00} - Date Opened : XX/XX/XXXX Additionally, these creditors have inaccurate personal information on file. My correct information is as follows : Current Address : XXXX XXXX XXXX XXXX XXXX 
XXXX, KS XXXX Employer : XXXX XXXX XXXX - Owner Note : The founder / owner of the following company is in jail for fraud, as a direct result of this company. 
XXXX XXXX XXXX XXXX Please correct the inaccuracies on my credit report. Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Credit Services (MS)

COLLECTING ON A PAID DEBT. I DON'T OWE THEM A DEBT. THE DEBT IN QUESTION WAS " PAID '' IN FULL AT THE DOCTOR 'S OFFICE AND SHOULD NOT HAVE ANY COLLECTIONS. North American Credit Services mailed a letter about a debt for {$940.00} from a physical therapy office to which my bill at the office was actually {$470.00}. They would not validate the debt by giving ALL the information I asked for but only providing what little info the federal regulations requires of them. Therefore, FOR ME, it was not enough to determine legitimacy on a debt they claim I owe that I don't actually owe. They also have yet to address the " I DON'T OWE THIS DEBT ''. On XX/XX/year> I asked for no further contact in any method of contact. On XX/XX/year> I received another letter. I also do not owe this debt as it is a paid off charge at my doctor 's office. I do not have an account to take care of WITH THEM. They were informed I don't owe this debt. My {$470.00} bill was paid in full at my doctor 's office. NACS are aware of this but are still trying to collect the " debt '' that does not exist. That is my complaint. They are aware that I have no debt and no legal or moral obligation to pay them any money on a paid bill. Why are they collecting on a paid bill?
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

To Whom it may concern I have applied for the Citi Strata Premier Credit Card on XX/XX/year> due to the promotion offer of XXXX points But upon meeting the eligibility requirement within the time frame, I was informed by the Citi Support Team stating there is no such offer on the card. 

Following the call with the support team a follow up E-Mail was sent to the department referenced by the Citi Support Team at XXXX on XX/XX/year> but 10 days have passed with no response from the team. 

The offer has been misleading, upon closer review of the offer that when I noticed a statement stating the new account bonus would not be available if there was a previous Citi Premier card in the past 48 months. 

I think a fair resolution would be to reverse the {$95.00} annual fee collected or issue the XXXX bonus points as all eligibility requirement has been met. 

I would never have applied for the card if knowing the new account bonus would not be paid and I would have to pay a {$95.00} Annual Fee I think Citi can take a page from XXXX, where card application would automatically be declined if the applicant will not meet the bonus eligibility versus now I feel mislead and taken advantage of Thank You
Consumer complaint received 2024-10-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Bank used my money without my knowledge or consent to purchase two accidental death policies. One they took {$440.00} from XXXX to XXXX. Another the used {$4200.00} of my money from XXXX to XXXX. They will not admit fault, say where they took the money from, or who the policy was bought from. They are just saying it was done. I never received any detail about these policies in the mail so I am left to search for the information myself.
Consumer complaint received 2024-10-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Regional Management Corporation (UT)

There were multiple phone calls that they have recorded in XXXX and maybe XXXX and XXXX where there representative told me multiple times that it was illegal to consolidate the debt I had with them. There was a phone call in XXXX or XXXX that the representative stated didnt actually know if it was illegal.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (CA)

Accounts : XXXX I am filing a complaint against OPPLOANSXXXX XXXXXXXX, XXXX, XXXX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of 1974, and the XXXX XXXX XXXX XXXX XXXX OPPLOANS/XXXX XXXXas reported a charged-off debt to XXXX, XXXX, and XXXX XXXX my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, OPPLOANSXXXX has failed to provide me with a 1099-C form, as required by IRS code 4681. XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. OPPLOANS/XXXX  actions also violate the Consumer Financial Protection Act ( CFPA ) - 12 CFR 31.3 and the CFPA 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debt, OPPLOANS/XXXX ) is engaging in deceptive conduct that harms consumers ( Me ). Furthermore, OPPLOANS/XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. OPPLOANS/XXXX improperly disclosed my personal information to credit reporting agencies, specifically XXXX, XXXX, and XXXX without my permission. Additionally, OPPLOANS/XXXX has violated the XXXX ( 15 U.S.C. 6802, also known as section 502 ( b ) of the XXXX XXXX  ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as XXXX, XXXX, and XXXX XXXX This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and XXXX ( Reasonable opportunity to opt out ).
Consumer complaint received 2024-10-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collection Professionals, Inc. (UT)

I was contacted by Collection Professionals Inc ( CPI ) in late XXXX about a debt for {$570.00}. The debt was my name but I have a common name and did not recognize the business. I called to see what information I could learn and possibly dispute the debt. CPI eventually hung up on me after I stopped letting their employee interrupt me. I proceeded to contact them and start a dispute. This was done on XX/XX/XXXX. The final day I could start the dispute was XX/XX/XXXX. 

I never heard from the company again, until I was contacted by a servicing company on XX/XX/XXXX. I was eventually served papers on XX/XX/XXXX. Those papers ended up being service papers for a failure to pay a debt to CPI. CPI did not follow their legal obligation when I disputed a debt. I am now being sued for more than double the original amount because they did not respect my debt dispute. From my understanding, this is illegal let alone unethical.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (TN)

15 U.S. Code 1681 c-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 identify theft, not later than 4 business days after the date 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 in my consumer report as they are in VIOLATION!!! Under, 15 U.S. code 1681b-Permissible purpose of a 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 protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2017-05-17
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

I purchased a {$100.00} gift card from Visa in  XXXX  of  2016 . In  XXXX  of  2016  I return some products to  XXXX  and used this card. This made the balance of credit on the card to {$130.00}. Now I 'm unable to use the card. After talking to  Visa  they said the card was not valid now because the card was only for {$100.00} and now shows credit of {$130.00}. They said the only way I can activate or use the card if I send them a receipt of my return to  XXXX . I do not have this receipt. So there is no way I can get my {$130.00} from Visa.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

I am writing to formally express my dissatisfaction regarding an unresolved claim related to the Collision Damage Waiver ( CDW ) benefit that was supposed to be provided by my Chase Instacart Mastercard and the lack of clear communication surrounding changes to the card 's benefits. 

Timeline of Events : In XX/XX/2024, I applied for and was approved for the Chase Instacart Mastercard, which was advertised as offering various benefits, including a Collision Damage Waiver ( CDW ) for rental vehicles. This benefit was clearly outlined in the benefits guide that accompanied the card, and I made my rental decision based on this understanding. 

On XX/XX/2024, I used this credit card to rent a vehicle from XXXX. The rental period was from XX/XX/2024 to XX/XX/2024. Unfortunately, during this rental, a minor scratch occurred on the vehicle on XX/XX/2024. 

Upon returning the vehicle to XXXX on XX/XX/2024, I submitted the necessary acceptance report, fully aware that the CDW benefit on my Chase credit card should cover the damage costs.

Shortly after, I was informed that Chase updated its website for claims processing, and claims for incidents prior to XX/XX/2024 could no longer be filed via the new portal. I was left with no option to file my claim through the old system, and the new system does not allow claims for incidents that occurred before XX/XX/XXXX. 

My Issue : Despite the CDW benefit still being displayed on my account, I was told multiple times by Chase representatives over the phone that I no longer have this benefit on my card. However, at no point was I notified of any change to the benefits, and the CDW was an advertised feature when I applied for the card. It is still being advertised as part of the cards benefits. 

Now, I am facing an invoice from XXXX for over {$1000.00} in damage-related charges, which I am unable to pay. I relied on the collision damage waiver benefit, which was a decisive factor in both applying for the credit card and renting the vehicle with confidence.

My Request : I respectfully request that Chase honor the CDW benefit that was advertised and active at the time I rented the vehicle. Additionally, I urge you to : Clarify why the CDW benefit is not being applied despite being part of the benefits guide.

Allow me to file a claim for the incident that occurred on XX/XX/2024, under the CDW policy.

Provide written confirmation of any changes made to my cards benefits, if applicable, and ensure that no changes were made retroactively or without proper notification.

This situation has caused significant financial stress, and I believe it is Chase 's responsibility to either honor the benefit or provide a clear explanation of why it has been removed.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (TX)

I am writing to dispute fraudulent debts that has appeared on my credit report. These debts are a result of identity theft caused by my personal information being exposed in multiple data breaches, where my Social Security number, birthdate, address, and email were all sold on the dark web and used to open fraudulent accounts. I have already been in contact with the police, submitted an FTC Identity Theft Report, and disputed this debt with the credit bureaus. I request that this fraudulent debt be removed from my credit report and cease any collection efforts related to these debts
Consumer complaint received 2024-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Collections Inc (TX)

COMPLAINT AGAINST : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX or XXXX and I have been contacted by the following company several times by phone on a fraud billing issues by a local weed and pest control company who has hired the following business to do their dirty work. 

Does this collection company have a license and / or have posted a bond with your department or other Texas Departments as required by Texas Laws? 

XXXX XXXX XXXX and / or ASSET COLLECTIONS INC. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX PHONE : XXXX FAX : XXXX In XX/XX/year>, I called the weed company list above to see if they serviced my area. The agent did not know but would ask her Boss upon his return to the office. No return call was received. Days later without getting a phone call from the company or knocking or ringing our door bell a person was observed trespassing on my country home. When approached by my Wife the lady stated her Boss told her to come measure the yard for an estimate. My Wife asked why she did not knock or ring the doorbell? Upon my arrival back home, I confronted same person, as to why she did not ring the door bell? Again, all she could say is my Boss told me to come measure the yard. An estimate was about {$700.00} for about an acre yard. I did not even sign the estimate or give verbal approval to spray my property! 

Days later the same person, without knocking on my door, spray poison chemicals on my property without my / our approval. The only reason we noticed her spraying was that our backyard dogs were barking their heads off and I looked out the back door to see what the matter was? Thus, I saw her spraying poison against the fence where my dogs were barking at her! Upon my confronting the applicator - sprayer, who told you to come and spray my property??? She first said " Oh no not again! '' and then " Her Boss told her to spray my property ''. I called the office and asked the same, which I really did not get a defined answer. " Our Boss ''. 

The Applicator / Sprayer XXXX XXXX, was warned by my Wife and Me during the first visit, to knock on residential - homeowners doors before trespassing on properties! Again on her second visit she failed to knock on door to get permission to spray poison on my property! 

Since I did not request the spraying service for weeds, therefore, I did not pay the about {$700.00}. Thus, the weed company turned me over to the above collection agency. 

Regards,
Consumer complaint received 2023-04-24
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. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX Balance : {$3200.00} ; 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 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 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 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 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 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 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 XXXX XXXX XXXX