davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

US. bank randomly charges services fees to my checking account. I caught them in tha past and they stopped when I told them I had the recording of the phone call admitting to the fact that the service fees were actually them charging me to analyze my account. I told them to stop this activity and stop charging me for it and they did after I told them I had evidence to prove they are lying about the fees. Now I have opened XXXX new accounts with them and they have started doing this to both of these accounts. I called last month and they tried to explain is was for paper statements and that I needed to sign up for electronic.THIS IS COERCION and they are lying again because I know that it is a random " service charge '' and that is what it says on the statement and nothing more. It was not required of me at the onset of the account to sign up for paperless to avoid these fraudulent fees this is coercion and when I called last month and explained that I have had my other XXXX accounts at their bank for many years without this random " service charges '' that would vary in price and sometimes be added twice in one month used to show up for their own " analysis '' to be done on my account that they were attempting to charge me for. The charges actually used to say " Analysis fee '' on my statements but now they are disguised as " service charges ''. When I called last month the charges were refunded and the scam " service charges '' did not show up all but one of the accounts as before but on XX/XX/year> one account was charged XXXX for again a random " service fee '' ( last time it {$6.00} ). And this time when I called the person was rude and said she would not refund the money unless I signed up for their paperless statements which I do not want to do plus US bank sends me tons of paper advertisements in the mail that look exactly like my bank statements but when I open them they are ads for other US bank products are they telling me I'm paying for that to be mailed to me too. THIS IS COERCION! And THEY ARE LYING - I was not charged these " services charges '' for the paper statements I know exactly what these charges are because I caught this bank red-handed before. I want the XXXX fee reversed on my XXXX account and all the fraudulent " service charges '' and the coercion to cease and deist.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRANSWORLD SYSTEMS INC (PA)

- XX/XX/XXXX I visited a XXXXXXXX XXXX location and closed my checking account which at the time had a {$0.00} balance. I confirmed with the branch there were no outstanding checks as I never ordered nor wrote checks against the account. 
XXXX I receive a letter from a collection agency stating I have an outstanding balance with XXXXXXXX XXXX and presented payment options. 
- I received XXXX pages of statement history. From XXXX to XX/XX/XXXX, XXXX of the XXXX pages contained actual charges/ deposits/ withdrawals. The other pages showed an account going further into the negative balance as fee piled on top of fee. After I closed my account, suddenly checks from XXXX are presented for tender in the amount of {$39.00} and the next line would be XXXX NSF fee {$35.00}. A total of {$140.00} NSF fees, {$90.00} Sustained Over Draft fees, {$2.00} statement delivery fee, {$9.00} account maintenance fee, and on XX/XX/XXXX a {$39.00} XXXX charge was completed. Total fees : {$240.00}. XXXX XXXX of charges after account closure = {$280.00} -Summary. This checking account was closed in person XX/XX/XXXX. The XXXX Account, the source of the NSF fees, was closed XX/XX/XXXX. I am not responsible for these charges as all were created after the account closure
Consumer complaint received 2023-07-28
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. (GA)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2024-09-25
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI (GA)

XX/XX/year> XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX 
Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm a victim of identity theft. An identity thief exploited my personal information without my authorization to open an account with XXXX XXXX. This is not my debt. I've attached confirmation of my identification and a copy of my FTC identification Theft Report. Also a Police Report. 
In compliance with the Fair Debt Collection Practices Act, I request that you halt collection proceedings against me and stop communication with me about this debt, except as permitted by the Fair Credit Reporting Act. I further ask that you notify XXXX XXXX explain that the debt is the product of identity theft. 
I've enclosed a copy of the Consumer Financial Protection Bureau 's Notice to Information Furnishers. It clarifies your obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires debt collectors to provide an identity theft victim with account-related documentation if the victim requests them. Please send me copies of all records associated with the account, including : Account applications are submitted on paper, online, or via phone.

Account statement or invoice Records of payment or charge slips Delivery addresses associated with the account.

Records of phone numbers used to activate or access the account.

Signatures for applications and accounts Investigators report. 
Please send me a letter describing what you did to : Inform XXXX XXXX the debt is due to identity theft. 
Stop the collection proceedings against me. 
Stop sending information about the debt to credit reporting agencies. 
Please provide me with the records I seek. 
I appreciate your cooperation. 
Sincerely, XXXXXXXX XXXX  XXXX Enclosures : POLICE REPORT. 
Identity Theft Report. 
CREDIT REPORT. 
For proof of identity, go to the CFPB 's Notice to Information Furnishers [ PDF ].
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account number XXXX XXXX XXXXXXXX account number XXXX account number and XXXX XXXX XXXX account number XXXX XXXX XXXX, account number 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 a account without my written instructions 15 U.S.C 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 of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-06-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (OH)

On XX/XX/2024 my Venmo account was frozen, I initiated a chat in which nobody could tell me why the account was frozen, I was told I could call in therefore I did and I was still told that I could not be provided with a reason why the account was frozen and that I could not transfer my money out the Venmo company is holding {$190.00} of my money and states that I will receive an email in XXXX to XXXX business days. This is the second time that my account has been frozen by this company and that they have held my money. Please help.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation (TX)

I closed my XXXX XXXX XXXX XXXX XXXX XXXX  and at that time, asked for a refund of the {$91.00} credit balance ; I was told it had been submitted and was being processed and a check would be mailed. I called on XXXX was told it had NOT been processed and that I had not requested a refund. The agent stated that it would be processed within the next 90 days. This is not acceptable.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

I notified Chase Bank that theft happened to my account that I hold with my XXXX mother who has XXXX, Chase Bank advised they would do an investigation and If they found it to be theft they would reverse the money back to our account, a few days later I checked our account and the money was reversed, I withdrew funds from it to pay my mothers bill at the XXXX XXXX  where my mother resides. I checked our account a few days later and there was a deficit of XXXX Chase advised they found an online account was set up by someone using my mother 's personal information and they XXXX  themself a small amount of money as a trial and because I did not catch it and report it as theft that is why Chase let two XXXX transactions of XXXX to transfer successfully. I could not believe what I was hearing, Chase notified the person who committed the theft but did not notify me of a XXXX transaction of that large amount of money. Chase advised I contact Law enforcement, I contacted XXXX XXXX XXXX and XXXX found it to be theft and forwarded the case to Law enforcement, Law enforcement advised they are backed up in these kinds of cases, we may never recover the money stolen and I should go back to Chase because they are insured and try to get them to reverse the funds because that is the best chance to recover the funds. Chase advised there is nothing that they can do, and they will take any deposits made to the account until the deficit is paid. I advised Chase that I notified them of the theft in the time allowed to report theft, Chase has full knowledge of our account and knew our account could not cover the reversed amount pending an investigation so they should not have reversed the money pending the investigation but Chase advised there is nothing that they can do. This joint account was opened for me to help my XXXX mother I never used it personally it was her transactions only but this has hurt both of us.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IA)

On XX/XX/23 and XX/XX/23 I disputed account asking to verify or delete immediately as I do not recall this debt nor having account open with this creditor. Dispute was sent via mail with a certified and return label, return confirmation # XXXX. On XX/XX/23 @ XXXX dispute letter was delivered to agent and I have not heard back from them. Over 30 days have passed and no response. I have tried multiple times to contact them via phone call @ XXXX and have not been able to go through all the way and talk to agent.
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I made four separate payments to my Mohela student loan totaling {$980.00} that Mohela has fraudulently deleted from my loan balance. 

On XX/XX/XXXX, I made a payment to my loan in the amount of {$350.00} ( confirmation number # : XXXX ). 

On XX/XX/XXXX, I made a payment to my loan in the amount of {$300.00} ( confirmation number # : XXXX ). 

On XX/XX/XXXX, I made a payment to my loan in the amount of {$190.00} ( confirmation number # : XXXX ). 

On XX/XX/XXXX, I made a payment to my loan in the amount of {$130.00} ( confirmation number # : XXXX ). 

I have confirmation emails from Mohela for each of these payments that Mohela sent me at the time that I made these payments, and I have attached these to this complaint. This should sufficiently show that I made these payments. If necessary, I can also go into my bank account history to provide further evidence that these funds were debited from my bank accounts for these respective transactions. 

Nonetheless, when I review my entire Mohela student loan transaction history, for the entire history of my loan, it does not reflect any of these payments. 

I want Mohela to immediately apply the {$980.00} I've previously paid toward the principal balance of my student loans. Their conduct here is nothing short of fraudulent. I made the payments to my loan balance in reliance on the fact that these payments would reduce my total balance. I relied on this to my detriment, as Mohela effectively says that I still owe them an additional {$980.00} that I have already paid. 

I received confirmation emails at the time of each of these payments were made. I had no reason to believe that they would not be applied toward the balance of my Mohela student loans. This is disgraceful.
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: EQUIFAX, INC. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CT)

They transferred a lease to my name when I no longer lived there. The lease was never in my name. It was originally is someone elses and they put the debt in my name. I never signed anything. They showed me a paper that has my signature, it just didnt come from me. I have never had this place as my address.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-19
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services (NC)

We received a notification letter from Lendmark Financial Services ( XXXX, NC per their letterhead ) dated XX/XX/XXXX. 

The letter stated that " no credit decision had been made on an application they received on XX/XX/XXXX ''. The letter then requested we contact them to complete the application. 

I contacted their XXXX office ( per instruction ) to ask what this was all about, since neither my wife or I applied for credit. The receptionist ( first person to answer phone ) did confirm that there was an application on file but would not provide any other information. She gave me a phone number to call to further inquire which I called and after following prompts could not get to a live person. 

I called XXXX back and spoke to XXXX XXXX ( at least that is what he said ). He could not answer any information but did put us on a 3-way call to their customer service department. The person identified herself as XXXX XXXX or XXXX ( in GA ). She recommended I check our credit with XXXX to see if " something '' had gone through our credit report. She also said that she would report " any fraud '' that I found. Lendmark did do a " soft search '' of our credit- without our authorization so I called her back to make a report. I couldn't get to her but then spoke to an XXXX XXXX ( in AZ ) who told me they don't make fraud reports! I was then instructed by XXXX to contact the FTC who then sent me to CFPB. 

I am making a fraud report to you since Lendmark did not gain our permission to look into our credit.