davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (NV)

In XXXX and XXXX of XXXX, we submitted paperwork to TD financial for a 3 month loan extension and were asked to pay the past due fees, which we did and submitted the paper work. Our loan contract was extended however the payments were listed on the account as partial payments and we were still reported late to the bureau. Again in XXXX of XXXX, we were contacted during the pandemic and offered a 3 month extension due to the pandemic, which is also general knowledge online to date. Again the same thing happened however, when we paid the late fees, TD auto never applied them to the late fee balance and still reported us late to the bureau and listed all the money submitted as partial payments but extended out contract another 3 months. Now our pay off for our XXXX payment is due this month and we have an outstanding balance equivalent to 6 months of payments. In addition, the interest charged is incorrect. There is a late fee balance, but they never subtracted about {$350.00} in XXXX toward this late fee balance so its should be at least {$350.00} less than what is showing. Furthermore, they are already in trouble with the CFPB for doing this to several other customer which was just posted to the internet in XX/XX/XXXX. I have contacted them so many times over the years and they have never ever contacted me back. I cant get through on the phone line because you just stay on hold forever probably due to the XXXX  of other customers with the same problem. NOW they are threatening me with repossession. When they are the ones that have processed my account incorrectly except for extending the payoff date 6 months. In addition, we had a another vehicle with the same extensions near the same periods of time because it was purchased on the same day as this vehicle and it was NOT a balance due at the end of the loan beside the late fees and the remaining payments due. Also they magically removed the billing statements online for these particular months. 

I am reporting this information because in the article online you were considering reopening an investigation against TDAF for these types of discrepancies with customers. But I believe they were pardoned the investigation due to the previous governing president. I would also request they be investigated for disparities and racism as they are a bank that " help '' financially challenged individuals.
Consumer complaint received 2024-08-17
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. (AL)

In accordance of the fair reporting act list of companies listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX {$750.00} {$570.00} {$570.00} {$500.00} XXXX  XXXX XXXX {$500.00} Has violated my rights 15 USC 1681 section 602 A States I have a right to privacy.

15 USC 1681 section 604 A section 2 states of consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 states : ** ( 1 ) Prohibition** ( A ) 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 ) A 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
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (AL)

I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Phone : XXXX Email : XXXX Accounts Affected by the XXXX Credit Card Opened by the Thief Company or Organization : DISCOVER BANK Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$700.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 

* Check the box to sign your identity theft report : I understand that knowingly making false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.
Consumer complaint received 2024-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

company is in clear violation of the law under XXXX XXXX XXXX XXXX - XXXX in connection with debt collection. The law clearly states that : XXXX XXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt XXXX further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor XXXX invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. This agency is in violation of XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Comerica (LA)

DirectExpress will not transfer my funds to my personal bank. I have been sending required info for 3 months and each time nothing happens. When I ask for transfer tracking number they have no idea what Im talking about. In their terms of service they state funds transfers are available but they have refused or turned down every request Ive made. I have to keep sending the same info with no results at all. They tell me someone will call but no one ever does.. I wrote the Fiscal Treasury since they are the folks who granted the contract to Comerica ( called them to and they just flat out told me untruths ) and they just forwarded the email to DirectExpress who promptly ignored the request. Im a XXXX XXXX vet and find it hard to believe a government approved agency does business like this. Help please. 
XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. and 1681c-2 ) that you, the Experian, XXXX and XXXX credit reporting agency , block all information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personals credit cards and loan accounts opened at XXXX  XXXX under the account XXXX, XXXX under the account XXXX, XXXX XXXX  under the account XXXX, XXXX XXXX under the account XXXX, XXXX under the account XXXX, XXXX under the account XXXX and XXXX XXXX under the account XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (AZ)

My name is XXXX XXXX. I live in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Some one hacked in to my Experian on line account with his/her recovery email and telephone number. I am not able to recover my www.experian.com on line account. 

I need to recover my www.experian.com on line account with my own email address : XXXX and cell phone number - XXXX. I need Experian to update this information from their web site. 

I want to manage my Experian account by myself. I called Experian with this phone number - XXXX many times since XXXX. I tried to log in to my Experian account, however, my Experian account was hacked in and recovery email was sent to the email that hacker created. I have not been able to recover my Experian account yet. I mailed letter to Experian this XXXX with letter and my copy of drive license and utility bill ( this is the address I mailed to Experian - XXXX XXXX XXXX, XXXX, TX XXXX XXXX I asked Experian to recover my on line log in account, However, no any reply from Experian at all. 

Experian is putting my credit on high risk by not responding consumer 's request to recover account. I want Experian to response for any Finanancial loss due to not able to recover my on line log in account. 

I submitted this compliant to request Consumer Financial protection Bureau to help to contact Experian to help me solving these issues.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Vertical Screen (AR)

Big ( Business Information Group ) Client Code : XXXX Report # XXXX Your letter/email from XXXX, per XXXX XXXX, dated XX/XX/XXXX XXXX email stated that I can dispute XXXX XXXX XXXX XXXX, XXXX XXXX XXXX as XXXX address on my file because it was/is on material from a previous application from XX/XX/XXXX - XX/XX/XXXX. 

You are reporting information that is inaccurate, and you state that I can't dispute, yet your letter dated XX/XX/XXXX, states " I have the right to request a description of the procedures used to determine the accuracy and completeness of the information, including business name and address of any furnisher of information .... it also states " I must request, furnish notification that the item has been modified or deleted and that I have a right to dispute inaccurate information on the XXXX files, under the FCRA XXXX XXXX XXXX. 

Please review, investigate and verify ( by humans ) the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX... XXXX from my file, not my address XXXX Meadowoods Pl XXXX XXXX XXXX... delete from my file, not my address Bankruptcy ( Credit )... 
Docket # XXXX ... XXXX from my file, its not on XXXX XXXX, Docket # XXXX ... XXXX from my file, its not on XXXX file XXXX # XXXX ... XXXX from my file, its not on XXXX file ... XXXX I have no need to contact XXXX because they are not reporting this. 

XXXX XXXX... XXXX from my file, its not on XXXX XXXX XXXX XXXXr ... XXXX from my file, its not on XXXX file XXXX ... XXXX from my file, its not on XXXX Hard Inquiries : XXXX DOES NOT HAVE THESE INQUIRIES ON MY FILE, SO PLEASE DELETE> XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was asleep at around XX/XX/2023 XXXX not knowing my card was stolen along with other vital information I keep on a peace of paper. This has happened to me numerous times before as I live in a high crime area with theft involved. I woke up at XXXX again not knowing my card and information paper went missing. I get a notification on my phone that someone has taken money from the XXXX XXXX XXXX I don't know which one, there is numerous around XXXX. When I saw the message, I immediately check my wallet and saw that my card and paper were missing. I immediately call Capital One Bank at around XX/XX/2023 XXXX to dispute the amount which they have taken {XXXX} sending my account into an overdraft as well. The agent setup the claim for me and offered a new debit card as well. She then told me it may take up to XXXX business days or longer for the claim. The card came XXXX  days later. When I got my new card I had to add money to my bank because it was in overdraft after getting the new card. On XX/XX/2023 XXXX I get an email saying that my claim was denied due to some kind of pattern activity which I disagree with.
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NV)

I was contacted by Macy 's saying my account was late on a payment. I had a lot of trouble with them in the last couple months so in XXXX I spoke with someone and she kept giving me wrong balance and said I have XXXX accounts. She ended up giving me a number and told me account was closed. I received an email today saying my account still outstanding. I contacted the number and spent an hour on phone with them telling them I had paid. They said I had XXXX accounts but the XXXX account was closed and the other was still open. They asked for the last 4 of my ss and last 4 of checking account. When they told me they had a problem with connection they asked for my date of birth and I said no way. They said ok can you tell me zip code and I gave them and either or. 
I finally hung up when I realized the number they gave me was a potential scam. What do I do?
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ME)

Identity Guard sent me an email stating my SSN was found on the dark web.I immediately froze my credit with XXXX and XXXX through their respective web sites within 5 minutes. I tried the same with Equifax but their web site won't process the information. I tried their automated phone system, but it won't allow me to freeze my credit either. I called their customer support twice and was told both times I would have to send them a copy of my ID and SSN card via XXXX to verify my identity because I can't activate the code they sent to my XXXX. I was told this is the law, albeit this verification process was not used with XXXX or XXXX. Nor did Equifax require this documentation of my wife, who was able to freeze her credit on her second attempt via a phone call. So my wife has successfully frozen her credit with Equifax where I'm being treated as a " special case '' apparently. The question comes to mind, is this special treatment I'm receiving because someone has been trying to use my credit score through Equifax? None of their agents have said anything to me about it, and so, if this is the case, all the more this company is lacking in any credibility. Why, if I'm suspicious, would I want to freeze an account? This has been going on for 2 weeks.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX  XXXX Balance : {$720.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors.I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (MI)

Dear XXXX XXXX, We have reviewed your account and believe you are engaging in XXXX or more restricted activities as described in the PayPal User Agreement. Specifically, your use of our services has resulted or may result in disputes, claims, reversals, chargebacks, fees, fines, penalties, or other liability to PayPal, other users, or third parties.

For that reason, future abuse may result in the closure of your PayPal account and your PayPal Debit Mastercard. 

Sincerely, PayPal Debit Card Team Please don't reply to this email. We are unable to respond to inquiries sent to this address.

The PayPal Debit Mastercard is issued by XXXX XXXX XXXX XXXX XXXX XXXX ) pursuant to a license by XXXX XXXX XXXX and may be used everywhere XXXX is accepted. XXXX and the circles design are registered trademarks of XXXX XXXX XXXX. XXXX is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My loans have been deleted by the government due to my XXXX. I have the letter and have sent them to transunion, equifax and experian to delete them/change status. They still show on my credit with a balance and or late pays.
Consumer complaint received 2024-06-24
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. (LA)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.