davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (MA)

On XX/XX/2024, I called XXXX XXXX department to report XXXX unauthorized charges to my savings account withdrawing 50 % of total funds, XXXX out of the XXXX charges happened on XX/XX/2024 and the last one happened on XX/XX/2024. The agent that handled my case opened up three claim numbers and told me that within 10 days, the bank will issue a provisional credit and 90 days to complete the investigation for permanent credit. I initially requested the bank account to not be blocked. However, the agent told me that in order for the claim to go through and get assigned to an XXXX, I will have to get the account blocked and I agreed. 

On XX/XX/2024, I checked my savings account and saw an additional unauthorized charge to my account from the same merchant. I called up Santander immediately and the fraud XXXX told me that the transaction is under a " pending '' state and that they will reject it so that the transaction will not be posted to my account. He also informed me that the account was never blocked. I spoke to a supervisor who informed me in more detail that the transaction may or may not post to my account if the reject of the pending transaction missed the window to do so. Additionally the supervisor informed me that I was misinformed about the timelines for the bank to credit my account. In these type of transaction, the bank has to provide a resolution within 10 days and the unauthorized charges were reported and identified within 60 days of the transaction date. 

The reason why I am reporting this complaint is because Santander should be held accountable to secure the consumer 's money. If more than 50 % of their customer 's money are withdrawn in a short span of time ( XXXX week ), shouldn't the bank flag this and alert the merchant who is trying to withdraw the funds from their customer 's account? Why are they only acting on it when the customer identifies the issue after the transactions been approved by the bank? Why would they authorize charges from a merchant in Wisconsin for a customer in Massachusetts who's account has not been withdrawn for over 2 years? 

Additionally, during my conversations with the fraud specialists, no one gave me the confidence that everything will be handled and sorted to the customer 's best interest. They all said that they will find out what happened through investigation and the customer will only get my account credited if the bank if able to recuperate the funds bank from the merchant.
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blitt and Gaines, P.C. (IL)

My consumer rights under The Federal Trade Commission the FDCPA ( Fair Debt Collection Practices Act ) I XXXX XXXX  and XXXX XXXX XXXX I demand copy of documents or contract. 
TO : XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Minnesota  XXXX 1 : Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, 2 : above name collectors never sent a collection letter to Plaintiff that included the required 1692g validation rights disclosure.

3 : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract.

4 : The FDCPA ( Fair Debt Collection Practices Act ) specifically prohibits a debt collector from using false, deceptive or misleading representation in connection with the collection of any debt. 15 U.S.C. 1692e Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account charge off. 
Verification that this debt was assigned or sold to collector.
Consumer complaint received 2024-04-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (SC)

On XX/XX/year>, and XX/XX/year>, an email was sent to a third party informing the third party of my debt. I contacted Radius Global Solutions on XX/XX/year>, to inform them of this violation. The employee and supervisor that I spoke with were argumentative and did not offer a solution to resolve this situation. I was informed by the supervisor that I would have provided the email address at the time of service, however I did not know the third parties email address in order to provide it. I am aware of how XXXX XXXX  protocol works and that I have been connected to this third party due to similar name and address.
Consumer complaint received 2023-03-26
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Inaccurate information on credit profile closed accounts and 1 hard inquiry needs to be deleted XXXX XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX ( hard inquiry ) , XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland has stated this debit is mine and was then served in a property that I don't reside in. So was never aware of the judgment placed on me. I have emailed them and mailed them a letter to please send me a copy of the signed contract bearing my signature that shows I am directly responsible for my debit, an itemized accounting of the amount they are trying to collect including fees and charges. the name and contact information of the original creditor. The FDCPA states you must cease collection efforts until you have provided this and have 30 days to respond. They have not responded, nor have they ceased the collection. I call regularly and there is no answer. It's obvious this is not my debit since they served the judgment where I don't reside in. Please help with this matter, at this point I can sue them for not providing me with any information on this debit and supposal being served where I don't live. I would like to do a police report but don't have any Infromation to do a police report since I have no information on this matter, and they have now exceeded there 30 days to respond. 

Thanks XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (KY)

I thought that I was on automatic debit, but it was actually not set up. This resulted in a single late payment that dropped my credit score almost 100 points. I called and was told that automatic debits can not be set up over the phone, even though previously I was told it was, then I was told to set up online which I did but it still was not set up. Called again and was told it is not possible over the phone or online and I was sent a form to set up. This has been a back and forth with Navy Federal. The only resolution for their error was a suggestion to dispute with the credit bureaus. I explained that would do nothing if Navy Federal validates the late payment.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (CT)

I had my loans transferred from XXXX to Mohela in XXXXXXXX XXXX XXXX  My credit reports still indicate that the accounts are still open, though it has not been updated since the transfer. I contacted XXXX XXXX to determine the root cause and if the error could be fixed. XXXX indicated that the transfer was done correctly on their end, and for me to contact Mohela to fix the problem. 
I contacted Mohela XXXX and described the issue and what XXXX informed me and instructed me to do, and Mohela indicated that the acceptance of the loan transfer was executed correctly on Mohela 's end, and Mohela suggested that XXXX erroneously left the accounts open. 
The consequence is that it looks like I have 14 open accounts when I have 7 open accounts, with half the amount due. 
The impact of this artificially inflates the total debts I owe to the credit bureaus, and that any entity that obtains my credit report denies applications because of the faulty information that has not been resolved.
Consumer complaint received 2019-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I have {$900.00} odd dollars in my PayPal account one day I randomly receive an email that my account is limited and I need to confirm my identity. I send in all required documents. a week later I contact them and confirm my identity and I am advised they are holding my money for $ 180 days with no explanation other than " refer to our user agreement '' I have spent countless hours emailing and calling PayPal with no success and access to my money. I as a single mother need access to these funds to pay bills!
Consumer complaint received 2024-04-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credence Resource Management, LLC (OH)

I am writing to lodge a formal complaint regarding an entry on my credit report linked to an account originally held with XXXX XXXX XXXX. 

Account Details : Original Creditor : XXXX XXXX XXXX Current Creditor : Credence Resource Management Balance : {$1600.00} Account Number : XXXX XXXX XXXX XXXX has written off this debt and subsequently sold it to Credence Resource Management, resulting in a financial benefit for both parties. Despite this, the entry remains on my credit reports, inaccurately portraying my financial status and causing undue hardship. 

My decision to leave XXXX XXXX XXXX was influenced by their negative practices, including the Data Throttling Settlement of XXXX, where the FTC mandated XXXX XXXX XXXX to pay a substantial sum to resolve allegations of deceiving customers about their unlimited data plans by reducing data speeds after a certain usage threshold was reached. 

I expect Credence Resource Management to rectify this situation by removing this entry from my credit reports. Failure to address this issue will leave me no choice but to escalate the matter as per my consumer rights.
Consumer complaint received 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a complaint against the 3 CRAs for failing to follow FCRA laws and protocols, reporting countless inaccuracies on my report and furnishing my private information on a public record! The accounts at the bottom are at question : XXXX : XXXX XXXX ; Account Number : XXXX XXXX XXXXXXXX ; Account Number : XXXX TransUnion : XXXX XXXX ; Account Number : XXXX XXXX XXXX ; Account Number : XXXX XXXX XXXX XXXX XXXX XXXX ; Account Number : XXXX XXXX : XXXX XXXX ; Account Number : XXXX XXXX XXXXXXXX ; Account Number : XXXX Also I have filed multiple disputes and have not received any documentation pertaining to my situation, which is also breaking Consumer Law Codes
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Credit Karma (KS)

I was contacted by the credit karma company by phone about a credit card application that I denied 2x because I was not applying for this. I then received multiple emails stating that my phone number and address had been changed on my intuit credit karma account which I did not do. Also received an email stating that my account was accessed by a new device and that it had been added to and XXXX XXXX. Which I did not do. I had 15 transactions of a total of {$2300.00}, it appears to all be made to the same cash app account, that I do not know. And I didnt make these changes or these transactions. I have been dealing with XXXX credit karma for weeks now and have disputed these transactions. They denied 8 of them saying that I authorized these transactions which is incorrect because I did not authorize them, I have requested for them to be appealed and have not gotten anywhere with this company. As for the other 7 they show that they are still pending.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

The Midland Credit Management on XX/XX/XXXX sent me a bill and asking me to pay {$670.00}. I was surprised, I call them and told this is not me, after some question they told the last 4 digit of my social security is much to the crime. I have not a credit card with XXXXXXXX XXXX XXXX I have find out I'm a victim of identity theft. I am a resident of this address since XX/XX/XXXX, but there is a different address in my name on the bill.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (NY)

To Whom It May Concern, I am writing to file a formal complaint against Santander XXXX related to the handling of a dispute over unauthorized transactions on my account. I reported XXXX unauthorized transactions totaling approximately {$13000.00} on XX/XX/2024. These transactions occurred on XXXX XXXX XX/XX/XXXX, and I noticed them on XX/XX/XXXX. I promptly reported these to Santander on XX/XX/XXXX. After an investigation, SANTANDER XXXX informed me on XX/XX/XXXX, that my claim was denied due to what they termed " inconsistencies '' in my report. I have sought clarification on these inconsistencies and have provided additional documentation and evidence to support my claim that the transactions were indeed unauthorized and not made by me or with my consent. Despite my efforts to resolve this issue directly with the bank, including a request for appeal of their decision with further evidence and a detailed explanation, Santander XXXX has upheld their decision to deny my claim and says that they can not accept an appeal of my claim. This decision not only leaves me liable for the unauthorized charges but also raises concerns about the banks dispute resolution process and adherence to Regulation XXXX requirements.I believe that Santander 's handling of my dispute has not been in compliance with the protections afforded to consumers under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX Specifically, I am concerned about the bank 's : Investigation process and the rationale provided for the denial of my claim. Especially noting that I have a police report formally filed for this reason. Compliance with the provisional credit requirement under Regulation XXXX, given the nature and timing of my report. Overall responsiveness and transparency throughout the dispute resolution process.I am requesting the CFPBs assistance in reviewing my case, ensuring that SANTANDER complies with federal regulations protecting consumers in electronic fund transfer disputes, and helping to secure a fair and just resolution.
Consumer complaint received 2024-03-22
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NATIONAL DEBT RELIEF LLC (CA)

I enrolled in National Debt Relief at a really vulnerable time in my life back in XXXX of XXXX. I was informed by this company that I would pay $ XXXX, which was such a huge stretch for me at the time but I went with it and that they would negotiate my account balances with the vendors. Once they reached an agreement they would take a percentage from the payment for their services. I was understanding at this point. I was informed that they negotiated an amount in XXXX of XXXX for one of the creditors and that they would start using the money they already pulled from my account. A few months later I started learning more about credit and learned that I could myself call and negotiate, especially since the XXXX payment was too much for me at the time. I, on my own came to agreements with my creditors and started payment with them directly. I canceled my account with NDR in XXXX of XXXX. The woman on the phone was a bully and told me that because I signed a contract with them I still have to pay them back for any amounts they negotiated. I didnt understand this being that I myself had a lower payment with the company than what they got and I would no longer be using them. At this point they continued to take $ XXXX from my bank for their so called services. Its not almost a year later and I am not understanding why I am paying them. They have not done any work for me or made any payments on my behalf since XXXX of XXXX. And now I owe them for a debt I dont even currently have with my account. I cant make any sense of it. I called and spoke with two women who said I still owe them regardless and just kept repeating the same statements over and over not even understanding or listening to me. I asked them to remove my bank account and neither of them could apparently do it, I also cant do it online on my own and Im currently still waiting for a call back. Due to this I currently have accumulated more debt that I had before entering in this program. This is fraudulent. This company has not done any work on my behalf in almost a year yet are still taking money for services that are not even being done. When I spoke with a woman she said we saw you canceled but that you still opted to stay in the program what does that even mean? If I canceled why would I still be in it? This company preys and bullies vulnerable individuals and claim they are here to help. This is unfair, unjust, cruel and malicious.
Consumer complaint received 2023-02-14
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. (CA)

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation (OK)

On Sunday, XX/XX/2024 I went online to see what my options were for a short term loan. I was literally bombarded with calls, texts and emails from dozens of lenders and/or sales people. I did apply with a few by providing basic info. I received a call from XXXX XXXX and was told that I was approved for a loan in the range of XXXX but that they needed to phone verify with my bank. I asked what the terms were and the lady who called me said it would depend on the exact amount which they would tell me after the bank confirmation. She said it would be in the range of {$100.00} or so each payday. While I was on the call with her, she attempted to call my bank, I could hear the phone ring and then heard a recording from my bank that they were closed and then the recording gave their operating hours. The lady disconnected that call and said they would try again in the morning. She asked if I would be available at XXXX or XXXX the following morning so that they could attempt the call to my bank then. I agreed and asked again about the process. She explained that she would call me and again call the bank for verification. Further that once the verification was complete I would be given the amount and repayment arrangement details. The following day I did not answer any calls as I had made arrangements with a family member to assist me with my financial needs. It was about a week later I realized that XXXX deposited {$1200.00} to my checking account but I never signed any agreement. I work long hours and was difficult to take time to figure out what to do. Then on my last paycheck XX/XX/2024 - XXXX debited my checking account for {$320.00}! I've gone to their website but am afraid to attempt to create a log in which I am prompted to do to " sign loan documents '', I've been hit a double blow by the massive about of XXXX fees my bank has charged due to overdrafts caused by the {$320.00} - I'd gladly return the {$1200.00} but I used the funds for living expenses not knowing at the time that the funds came from XXXX. XXXX is now due and my account is still in an overdraft due to that payment. How can a company do this when I never signed anything??? Please help me. My pay day is tomorrow and I'm scared of how much they will be deducting from my bank account! I can't believe I am facing eviction from a place I've been renting for XXXX years due to this horrendous company.