davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (MA)

Opened and estate account at M & T Bank XXXX. Asked if I needed to sign in for online banking there, they said I could do it from home. At home, not able to do it. Have to travel XXXX hours again to fix the account. Ok, so I cll the account line to find out the balance in the XXXX account I have, and the balance is {$0.00}. I called the bank, they have no idea here the money is from my late mother 's checking account. 

I provided them with the correct legal paperwork from the probate court in Vermont, the information they requested, and even left the branch with starter checks and a cover page about the estate account with my name on it. But there is no money in it??? What happened to the over {$12000.00} in my late mother 's checking account. 

I am more than distraught over this. Having to deal with her death is hard enough. I am now forced to deal with the blatant incompetency of this bank.
Consumer complaint received 2024-07-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

Best Buy notified me today stating that there was a letter due XX/XX/XXXX. There was no letter there. An old letter there from XX/XX/XXXX to XXXX. Also XXXX and XX/XX/XXXX I paid {$50.00} by the time XX/XX/XXXX Best Buy were demanding {$600.00} from me with a {$3300.00} payment that I owe. Where did that come from? I see no statements for XXXX or XXXX, which is very suspicious. When I look on their website, there is no payment for {$3300.00} Thats suspicious. My email does not reflect a thank you confirmation for the payment. Only XXXX then it skips to XXXX confirmed payment. Thats is suspicious. No activities around those dates of XXXX and XX/XX/XXXX. I need an investigation on this.
Consumer complaint received 2019-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (IN)

I SENT A CERTIFIED LETTER TO IMC CREDIT SERVICE AT XXXX XXXX XXXX   XXXX IN XXXX ON XX/XX/2019 AND I JUST RECEIVE A TIME EXP RTN TO SENDER ON XX/XX/2019 ( 1 MONTH LATER ) WITH THE ADDRESS XXXX XXXX XXXX XXXX, IN XXXX, USPS SIGNATURE TRACKING NUMBER XXXX THIS WAS DONE ON PURPOSE FROM IMC CREDIT SERVICE. IN DISPUTE TO A MEDICAL BILL THEY SAY I OWE THEM, I SPENT MONEY ON SENDING CERTIFIED MAIL TO THIS COMPANY AND YET THEY ARE STILL IGNORING ME, THEY KNOW THEY ARE IN THE WRONG THESE COLLECTION COMPANIES AND THE CREDIT BUREAUS ARE BREAKING SO MANY FCRA LAWS AND NOTHING IS NEVER DONE TO THEM, BUT IF A CONSUMER BREAKS A LAW, THEY ARE SENT TO JAIL OR FINED.
Consumer complaint received 2024-07-22
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: SANTANDER HOLDINGS USA, INC. (TX)

I'm greatly distressed by the negative rating on my account and its severe impact on my creditworthiness. This derogatory mark has already led to a loan denial and higher interest rates on my existing credit accounts. The financial and emotional toll this is taking on me is substantial and will persist until this matter is resolved.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (FL)

XX/XX/year> approx. XXXX I used the atm at XXXX XXXX atm XXXX XXXX XXXX XXXX, Fl. I tried to pull out {$140.00} went through the motions atm says take card out before dispensing the money as soon as I removed my card the ATM goes black screen and starts to reboot process and of course it does all this before actually giving me my money that I had just posted to my account as being withdrawn from my account so now Im like no way this isnt happening immediately called XXXX they stated I had to call SOFI my bank to get the funds that its not a big issue all they have to do is look at the ATM surveillance footage and see you didnt get your money so I call SOFI and file a dispute XX/XX/year> I received an email from SOFI stating after investigating the dispute no error has occurred case is now closed and I do not receive my money back into my account I never received in the First place. Im so XXXX off first off saying they did an investigation really if that was the case they would clearly see me not receiving any money out of the ATM clearly store surveillance cameras would corroborate the same so I know they didnt investigate thoroughly all they went by was records kept by atm which atm says it issued me the money because its out of my account so that is my complaint they did not do a thorough investigation into my missing {$140.00} Im out of now because a faulty ATM machine I have to just XXXX it up and lose {$140.00} be they say I lied and got the money calling me a liar my bank who is supposed to be on my side and get my funds back for me is calling me a liar now so wrong I will not recommend them to anyone I will make sure everyone knows how they handle such situations with there customers money they do not care to actually find the truth instead call you a liar.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-07-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (MI)

I accept no responsibility for ownership of this debt ; I recently views some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on fille is incorrect :
Consumer complaint received 2024-07-19
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: STATE EMPLOYEES CREDIT UNION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota Financial Services take way too long to process their payments for no reason at all. i make sure to schedule my payments ahead of time so that my payments can be posted before the due date. however they still take unreasonably long and often times i miss my payment due dates because of toyota financial services fault. i did research and i found that many people have had the same issue as well. sometimes i will also schedule payments and for no apparent reason they get cancelled. for the month of XXXX my payment didnt go through and i ended up having to pay double in XXXX.
Consumer complaint received 2023-09-30
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. (TX)

I checked my credit report with XXXX, Experian and XXXX and noticed they are reporting inaccurate information such as dates, amounts and accounts being opened/closed. I sent a letter in XX/XX/2023 requesting them to verify/update this information and it was not done. I sent a second letter in XX/XX/2023 requesting the removal of this inaccurate information and it was not done. I don't know where to go from here as they are not trying to help fix and correct the issue.
Consumer complaint received 2023-09-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (IL)

Santandar Consumer USA continues to collect a debt that has been written off by the company. I have contacted them for over a year with no change to the debt. They're XXXX understand the term " written off '' means they accept the debt as a loss to the business which means I do not owe this debt. They have not sold my debt to a debt collector yet they continue to personally collect this debt while also using the accounting term " write off '' when describing my debt and how the company handled it
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I deposited a reimbursement check FROM THE STATE OF NJ, VIOLENT CRIMES COMPENSATION BOARD reimbursing me for relocation costs. This money is being held for 7 days according to Bank of America. The check stub has a DIRECT # that can be contacted to VERIFY THE CHECK. I need this money NOW!!! I cant buy food right now because of the ignorance of this bank. Ive been a customer for 28 years!!! That ends now! I was NOT made aware that this check would held FOR 7 DAYS BEFORE DEPOSITING IT!!!! I would have went to another bank where I have an account!!! BOA is simply collecting interest on MY MONEY!!!
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (OH)

I have 3 hard in quiries for accounts which are not open and i want them closed i.e JPMCB CARD SERVICE, XXXX XXXX, XXXX XXXX, XXXX XXXX. 

These are inaccurate and i need them removed from my credit report
Consumer complaint received 2024-07-19
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: GOLDMAN SACHS BANK USA (MD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-10
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (LA)

on XXXX, i sent XXXX and XXXX a letter disputing the inaccurate account and the unauthorized inquiries that's reporting on my credit report.I am requesting that they removed them ASAP because they are damaging my credit profile and keeps me from obtaining things due to my credit.
Consumer complaint received 2024-09-10
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. (PA)

It was a real shock when I saw incorrect accounts listed on my credit report today, and I honestly dont understand why. I always check my credit report, and this time, these discrepancies came out of nowhere. I even refreshed the browser to see if it was an error, but the accounts remained. This situation is really worrying, and Im asking that my documents be thoroughly reviewed so I can have peace of mind and never deal with this again.
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NJ)

I am filing a complaint against Jefferson Capital Systems LLC for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. 

I received a collection notice from Jefferson Capital Systems LLC regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with Jefferson Capital Systems LLC. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that Jefferson Capital Systems LLC had the legal right to collect the debt. 

Despite my request, Jefferson Capital Systems LLC failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt. 

Furthermore, Jefferson Capital Systems LLC did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations. 

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that Jefferson Capital Systems LLC immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

In XXXX and XXXX I visited XXXX, XXXX 3 times. While I was there I used the ATM at XXXX to withdraw the maximum each time, which is XXXX XXXX that converts roughly into {$140.00} U.S. dollars. Each time however TD Bank deducted the amounts from my checking account roughly for {$160.00} ( after ATM fees were deducted in separate entires. ). I have disputed these withdrawal discrepancies with TD bank, but each time my claim was denied. Their reason is that I authorized those withdrawals which is not true. I authorized withdrawals for approxiamtely {$140.00} U.S. ( XXXXXXXX XXXX ) with XXXX XXXX plus the fee of about {$3.00} U.SXXXX ( XXXXXXXX XXXX ) AND NOT FOR {$160.00} U.S.

I need to know why there is approximately a {$20.00} difference in all of my withdrawls ( 10 in total ) Please note that the maximum that can be withdrawn from the ATM at any 1 time is XXXXXXXX XXXX which could not possibly convert to {$160.00} U.S. on the transactions dates of : XX/XX/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
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Consumer complaint received 2024-07-04
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-19
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc. (CT)

On multiple occasions since XXXX they have harassed my elderly grandmother who is the cosigner on my student loans prior to them gaining the account. I have asked them numerous times to not contact her due to them causing her health issues once they talk to her by working her up by what they say to her and putting fear Into her on multiple occasions. Up until today XX/XX/XXXX they have continued to contact her via mail and phone. And now are talking to other family members who have no authorization to know my buisness and are disclosing information to them. This company called Tassman credit claims they work with customers but on numerous occasions I have tried to ask for payment plans that work with my financial situation instead they proceed to tell me I need to provide full amount I owe or ask my XXXX XXXX  for funds to pay it.
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Credit Karma (LA)

On today at XXXXXXXX XXXX I opened my credit karma app and accessed the money tab. Over and over again it would only say an error has occurred. I then chatted with a customer service representative and was told that the website was experiencing downtime, and it should be back to working within the hour. After trying to access my account again an hour later it was the same result. I again contacted customer service and was told that the system was down due to a system upgrade. It's been hours and I still have no access to my money.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (IL)

I received a letter from a debt collector regarding a debt I had payed off during XXXX to another company for a lesser price. The debt was from 2018 and not only has the statute of limitations for the state of Illinois run out as it is older than 5 years but it is also a debt I paid off during XXXX. 

I did not call or contact as I do not want them to harass me due to a debt I no longer owe
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to upload documents to have items removed from my credit due to human trafficking. I have called and was advised to call the department directly. I was informed documents were not submitted but I have emails stating it has been submitted. Please review these documents and remove from the agencies.