davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WV)

PayPal I was in XXXX  for 4 months and my PayPal business debit card was stolen and used to pull money from my checking account and to top it off the theves put my PayPal account in negative of XXXX or so dollars PayPal is refusing to take care of this fraud due to it being over 180 days they say I have to pay that back I don't owe it to them. And they won't investigate or refund what was stolen from my bank account. I just got out of XXXX  I couldn't do anything tell now. This happened XX/XX/XXXX to end of XXXX I have emails of all the transactions
Consumer complaint received 2023-04-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WI)

On or about XX/XX/2023, I received a call asking for " XXXX '' I told the caller that I have had this number for 15 years and I do not know anyone named XXXX. 

On XX/XX/2023 at XXXX XXXX I received another call. It was the same number asking for XXXX XXXX ( or something that sounded similar ). I asked if it was the same person who called me before and they said we will keep calling until XXXX contacts us. 

I again told the caller ( named XXXX, who said he was a specialist at the XXXX XXXX office of Nissan Motor Acceptance, but would not give his name or employee number for " his privacy. Apparently my privacy doesn't matter ) that I don't know anyone by that name and that I asked them two days ago not to call me again. 

I said I thought that this was a TCPA violation and he said that since I am not a customer ( so he admits that I have nothing to do with Nissan ) that he can call me if he wants and the TCPA doesn't apply. 

I asked for a supervisor. He said that he would get one. After 10 minutes XXXX told me that he would take my name off their list but again demanded that I give him contact info for XXXX. I sat on hold for 21 minutes until I got that supervisor, whose name was XXXX. She did apologize, but I want to make this complaint, because the original rep seems to think that they can bully people and threaten to call their phones repeatedly for debts they do not owe. 

The number they called me from was XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (FL)

I am very distressed that Sunrise Credit Services has included this alleged debt in my credit report. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports, a consumer reporting agency may furnish a consumer report under the following circumstances and no other : I NEVER gave them any WRITTEN CONSENT or have any contract ( WET SIGNATURE ) with Sunrise Credit Services. This alleged debt listed on my consumer report has not been validated by the debt collector itself ( SUNRISE CREDIT SERVICES INC ).
Consumer complaint received 2023-02-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LendingPoint Holdings LLC (CA)

" If you don't pay your overdue balance immediately, we will have no choice but to report your delinquency to the credit bureaus, which could seriously harm your XXXX XXXX and prevent you from obtaining loans or credit in the future. ''
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (TX)

{$3000.00} was fraudulently withdrawn from my Comerica bank account using a withdrawal slip from its branch in XXXX on XX/XX/XXXX. 
We found out on XX/XX/XXXX, ( this is an auto payment in and auto payment out type of account, we do not monitor it daily/weekly ) called Comerica branch immediately. 
They called back on XX/XX/XXXX and gave us 800 number to call. Called that number, and it was their fraud investigation department. They emailed an affidavit form. I filled it out and emailed them back on same morning. 
Last night I received a letter from Comerica bank that says I did not report it within 30 days hence " I waive right to contest payment of any item '', no refund will be given. 
I am amazed, that much of an amount can be withdrawn using a withdrawal slip ( withdrawal slips are available in bank lobbies to anybody ), and bank issues payment without checking ID of the withdrawer.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (PA)

I am a victim of Theft, Fraud, I have enclosed a letter I sent to the FTC and Police Report and Commision on Crime. I was threaten and coerced to purchase gift cards and withdrawl money from my account to fix my computer. This was not my fault
Consumer complaint received 2023-12-27
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. (NY)

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. 

Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-10
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. (IL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (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. Capital One XXXX XXXXXXXX, has violated my rights. 15 U S C 1681 Section 602 A States I have 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 7 years.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

on XX/XX/XXXX  I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/XXXX  I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXX XXXX  states they have no record of it yet they are appearing on my Transunion account. XXXXXXXX XXXX has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires. 
The following is appearing on my credit report XXXXXXXX XXXXXXXX XXXX XXXX XXXX ( Never authorized or requested ) XXXXXXXX XXXXXXXX XXXX Dealer Services ( Never authorized or requested ) TransUnion XXXXXXXX XXXX  XXXXXXXX ( Never authorized or requested ) XXXXXXXX XXXXXXXX XXXX  ( Never authorized or requested ) XXXXXXXX XXXX XXXX XXXX- ( Never authorized or requested )
Consumer complaint received 2024-03-16
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. (FL)

inquires need to be removed due to fraud Experian XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX EXPERIAN XXXXXXXX XXXX Important dates Inquiry date 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 Important dates Inquiry date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My card payment was due on XX/XX/XXXX. I paid in full on the XXXX. On the XXXX, I was charged {$51.00} plus change in interest despite my balance being paid in full on time. I called to have it removed and they tried to say it was residual interest. That is not correct. I already paid interest for last months balance so should not owe more now that the card is paid off.
Consumer complaint received 2023-05-11
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. (MD)

My Name is XXXX XXXX XXXX I am a Victim of Identity Theft and I would like to get the following items removed from my report because I did not open these accounts.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (MI)

Multiple negative charges that have been disputed and even closed but not taken off my report. 
Accounts that I have disputed that are still on my account and now not letting me move forward with disputing. 
Changing names of reports. 
Different reports from each company.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (PA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2023-11-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

Ok I had a lot of problems canceling my extended warranty and I didn't get 100 % of the total and they stole my payments, they didn't apply them to the loan and they reported me late payments and they also sent me to collection for no reason
Consumer complaint received 2023-09-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company (WI)

Frost Arnett Co has been calling every day, multiple times a day for months. I've told them I can not answer during work hours ( XXXX ) and they still call. I've blocked multiple numbers they call from as to not interfere with my job, but they call from new numbers every day. They've not only discussed my medical debt, they actively aggravate my medical condition that caused the debt in the first place.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

there are several charge offs that is on my credit report that is not suppose to be there. I spoke to several people, multiple letters has been sent and no resolution. please help. XXXX XXXX XXXX XXXX XXXX and XXXX account.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NE)

This is a follow up complaint to XXXX. 

I have contacted my Chase once again concerning the fraudulent charges on my credit card. They attempted to call me on XX/XX/XXXX but I was busy an unable to receive the call. I called back today ( XXXX ) to follow up. 

The first attempted call I was given no information. I was told my voice sounded robotic and asked to turn off my speaker phone. When this failed to resolve the problem I was told to hang up and try calling from another device. This has happened on previous calls to chase and seems to be a delay/frustration tactic to keep people from their money. 

When I called back ( from the same phone still on speaker ) there was no issue in being heard. I spoke with someone who told me the case had been '' reopened. '' Despite this case having been " reopened '' the last communication I received from them was a letter on XX/XX/XXXX stating the case had been concluded. I was told I would be contacted within four ( 4 ) business days. I requested to have information added to case about the information I was requesting. I requested all information regarding the charges ( specifically card data, signatures, video footage, location, signatures and itemized receipts ). I requested a record of when all cards and replacements for my account were sent out. I requested IP, Location, Device, and Date information on when the merchant for these fraudulent charges was added as a pre approved merchant for my card. In response I was told I would have to request this information from the fraud team directly and the only note they could add was that I was requesting " all available transaction data. '' This was woefully incomplete and a blatant attempt to continue hiding a malicious seizure of funds with incompetent investigation. 

I hope the CFPB will hold Chase responsible for the $ XXXX that have illegally taken from my account.
Consumer complaint received 2023-09-05
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (NC)

I received several calls from this company, Direct Recovery Services claiming to take " legal action '' against me. After speaking to a rep named " XXXX '' I told her I did n't want to discuss this and I terminated the call and she immediately called me back telling me that she needed to verify who I was and needed more information. I advised her that she was not allowed to call me back after I hung up on her because she was with a third party collection agency. She kept stating she needed to verify the info, I advised her that I would submit a complaint and she did n't care.
Consumer complaint received 2024-05-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (DE)

I originally made a personal loan with XXXX by XXXX XXXX. Around XX/XX/XXXX this account was transferred to SST ( SYSTEMS & SERVICES TECHNOLOGIES. ING., by Alorica ) and I was told all the terms would remain the same. One of the terms was a payment reward where I can skip a payment interest free after every 12 on time payments. After making payments from XX/XX/XXXX - XX/XX/XXXX I became eligible for this benefit and contacted SST twice to use this ( XX/XX/XXXX and XX/XX/XXXX ). I was told the award was processed successfully and my XX/XX/XXXX payment would be skipped. The account statement from XX/XX/XXXX shows this same ( attached ) with the next payment due XX/XX/XXXX. To my surprise SST illegally and without authorization withdrew from the normal payment amount of {$700.00} on or around XX/XX/XXXX causing my account to go into overdraft and additional fees to be charged by my bank.
Consumer complaint received 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

This was first opened as an XXXX XXXX AAdvantage account in order to get miles for flying. I was never able to use the miles so decided to close the account. I paid it off in XX/XX/XXXX and assumed it was closed. 

When I received a bill for {$50.00} user fee for XXXX, I called to dispute it. I was told the account wasn't closed and I still owe the fee. I've spent innumerable time with people who speak very poor English. At the end of the last call I was told my account was not closed in XXXX but they would close it now. BUT I still owe the {$50.00}. I told them I will NOT be paying it. 

I started getting daily phone calls giving directions for making a payment. The calls have been coming daily, even Saturday and Sunday. 

Please be advised this is beginning to look like XXXX ABUSE. I do not owe this fee and am fed up with the daily phone calls.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (WA)

I checked my credit because I recently started paying on my student loans then I noticed and unknown address and multiple hard inquiries on my account that are fraud and are not me. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial 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 Ally Financial 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 There are multiple soft inquiries and a few unknown addresses Ive never been associated with.
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My Private Mortgage insurance was removed from my account. The escrow was closed. 

The only thing I should be paying Bank of America on XXXX XXXX XXXX is for principal and interest. 

I called Bank of America home loans to verify the payment amount for XX/XX/3 and was told the payment included {$95.00} for escrow. 

Why is Bank of America secretly taking out {$95.00} per month on a closed escrow account. This should be illegal and Im not sure theyre calculating the principle and interest correctly