davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NC)

I have about {$XXXX} in federal student loan debt which was initially serviced by XXXX. The balance was transferred to XXXX because I enrolled in XXXX. 

I recently completed an XXXX  background check which showed about {$XXXX in federal student loan debt. XXXX is counting my loan balance twice, once with XXXX and once with XXXX. I submitted a dispute with XXXX for each XXXX loan on the credit report. Im unsure if this is an error by XXXX, or by XXXX or XXXX. 

I am in the process of applying for rental housing, and will be trying to finance a car in the near future. I am worried that my credit reports showing twice the amount of debt that I actually have will hurt me in one or both of these processes.
Consumer complaint received 2018-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (MI)

I am filing an grievance regarding funds that where stolen from my account. On XX/XX/2018 I have left USA and went to XXXX ( please see attached ticket ) and I came back on XX/XX/2018. Because I have 3 cellphones I took two with me to XXXX thinking that one XXXXXXXX XXXX  was left at home. I was not aware that I have lost my phone and because I was thinking that my phone was in my home in Michigan. Upon my return to the US I did not look for my phone or logged in my bank account right away, I was able to use my debit card without any issue. All of sudden I have noticed that my account was negative and upon logging in Ive found out that I was a victim of a fraud and Ive contacted TCF Bank and started dispute. TCF representative told me that possibly someone made copy of my debit card and was using it. Before my next trip to XXXX Ive found out that my cellphone is stolen and Ive filled claim with XXXX and new phone was sent to me as replacement. 
I had TCF Debit card connected to the XXXX XXXX on my old phone ( one that is stolen ) and I had XXXX MasterCard connected to that phone too. My MasterCard was used without any approval and I have filled fraud claim with them and they told me that my MasterCard was used on that stolen phone and I assume that same thing happened with TCF Debit card. 
Because I did not authorized charges for almost {$10000.00} and when those charges happened I was out of country and I could not make those purchases please refund me my founds under fraud guarantee. 
Please look at claim number XXXX and in that claim you can find proof of claim with XXXX and Police report with XXXX XXXX PD, also I am sending you my ticket showing that during that time when fraudulent charges happened I was in XXXX. You can also see that during that time I was using my Debit Card in XXXX and that way I was not able to use it in USA.

I had filled two fraud cases number XXXX and number XXXX but bank did not give me my money back or provided explanation why my founds are not given back to me. Also TCF National Bank and/or VISA did not provide me with any proof how I could authorize those purchases when at that time I was 5000 miles away in XXXX. 
Since I am again in XXXX thank you for accepting this Appeal over the email. If you need to contact me you can do it by calling XXXX or by email. 

Please give me my founds back as soon as possible because I can not m are payments to my bills in USA and my credit score is being hurt! 

I am giving this statement under penalty of perjury and if any not this information is not correct I am ready to be criminal charged!
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (CA)

Hi- I have asked Transworld Systems Inc three times to stop calling me, as they are calling me at all hours of the day ( this morning at XXXX ). I have called them and asked them to remove me from their call list, they said OK, but continue to call. Today, after getting a call at XXXX, i called and asked to speak to someone on why they are calling me. They asked if i know someone, who i did not, and said they were trying to reach that person. 
After researching this company, it appears they are debt collection firm. They should know how to do skip trace searches and indicate appropriate numbers to reach out to, for debt collection purposes. Additionally, they should know if a person asks to stop being contacted, they should seize communications. Furthermore, they are not allowed to call prior to XXXX. All of these are FDCPA violations and should be reviewed further for CFPB investigation. I am filing this complaint in hopes the CFPB can investigate this companies debt collection practices, as they are clearly violating FCDPA requirements.
Consumer complaint received 2023-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I opened a paypal account to do business. I had a client send me {$1500.00} for future products. It took PayPal 3 weeks to make the money available and I lost the client. So I sent the money back to client. Paypal has chose to keep the clients money. I have repeatedly tried to close the account and they refuse to close the account. They still have all {$1500.00} and say it permanently not going to clear. This is on multiple messages from paypal XXXX How can they keep the money legally. I wish to close my account and have the money sent back to the original person that sent it to me. This is really dumb. They accepted the money and want to keep it.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Dear Capital One Dispute Department, I am writing to formally dispute a fraudulent transaction on my account ending in XXXX for the amount of {$460.00} and to assert my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Billing Act ( FCBA ), and the Truth in Lending Act ( TILA ). 

I dispute owing any and all debts purported by your claims, and hereby revoke any consent to contact me via email, text, or telephone under 15 USC 1692c ( c ). I demand only written communication through postal mail as allowed by law. 

Under these laws, and specifically pursuant to 15 USC 1666 regarding billing errors, I request a comprehensive investigation into this disputed transaction. I also require debt validation, a copy of any applicable purchase agreement with the original creditor, and proof of your licensing and bonding to collect this debt. 

Your failure to comply accurately and swiftly may result in legal implications as stipulated by these acts, including penalties for non-compliance. 

Please confirm receipt of this dispute and comply within the legal timeframe. I anticipate a timely resolution to this issue and expect all corrections to be reflected accurately in all credit reports. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

This is a follow up to complaint ID XXXX submitted on XX/XX/XXXX. 
This is about the Synchrony Bank/ Care Credit account ending in XXXX. 

Synchrony Bank did not provide ANY of the OALD I requested in the complaint. 

Synchrony Bank provided me with a phony extension number I could supposedly call and ask for more information. It either rings and nobody answers, or it's busy all the time. 
This is obviously a line they provide to people they do not want to talk to. 

XXXX XXXX ( XXXX ) XXXX extension XXXX Synchrony Bank sold this account to XXXX XXXX in XXXX XXXXXX/XX/XXXX, so they claim that they do not have to provide me with any information, because I should talk to XXXX 

This account has been in litigation with XXXX XXXX since XX/XX/XXXXXXXX XXXX XXXX XXXX does not have any OALD.
Consumer complaint received 2024-05-03
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (WI)

XXXX on the do not call registry and the debt collector is still calling me. I told XXXX to block this number but im still getting calls. I told the number to stop calling me and it still is. It calls me every day. Sometimes at night.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Conduent Incorporated (MD)

The Way2Go card application and website consistently cancel transfers to my personal bank account for no stated reason. I am unable to withdraw monies from the card account and am given no reason as to why. Additionally, the customer service line is entirely automated, making resolutions impossible.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MI)

As I previously stated, you have not received and provided me with any proof that you have my written consent or instructions relating TO ANYTHING ON MY CONSUMER REPORT. This directly goes against PERMISSIBLE PURPOSE, WHICH IS LOCATED IN 15 U.S.C. 1681b AND IT STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

PLEASE BE MINDFUL, THAT IF AT ANYTIME AN ACCOUNT THAT CAME FROM IDENTITY THEFT ( WHICH IS LISTED IN THIS DOCUMENT AND ALL OTHER ATTACHMENTS ) APPEARS AGAIN ON MY CONSUMER REPORT, I WILL BE SEEKING {$5000.00} PER ACCOUNT OR PER VIOLATION UNDER 15 U.S.C. 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (CT)

I do not receive paper statements in the mail because I am signed up for on line. Each month I am locked out of the account for fraud even though my login credentials information is all correct and I login from the same computer each time. when I call to get into my account I am on hold a minimum ofXX/XX/XXXX I can get into the account XXXX time then am locked out again with no access only to repeat the process again.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (KY)

American Express denied access to my Credit from original application. ( Reference # XXXX ). This is Fraud according to The Federal Reserve Act section 16 paragraph 2, 15 USC 1602 ( p ) and 15 USC 1602 ( f )
Consumer complaint received 2024-04-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (IL)

I applied for XXXX with Mohela in XXXX XXXX XXXX. I made XXXX qualifying payments as of XX/XX/2023. My loans were partially XXXX in the amount of XXXX on XX/XX/XXXX. I still have the other part of my loan XXXX still dangling. All of my loans are at the XXXX qualifying payments and I only needed XXXX for XXXX! People who I have helped apply for XXXX have been fully forgiven before me. Mohela and XXXX XXXX  are steadily adding daily interest to the loans that are suppose to be forgiven already! I want these loans forgiven today! I XXXX for XXXX XXXX for XXXX years and have done everything Mohela has asked me to do.
Consumer complaint received 2023-11-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I have been disputing this company since XX/XX/. I was told that if I produced anything that confirmed my move out date that they would remove the account. On XX/XX/ I sent them 2 emails confirming my move out date, and 2 more emails that I got from the company that owned the apartment complex. They told me I had to wait thirty days for the client to respond if not they will remove the account, this was told to me per their supervisor on a recorded line. I reached out again XX/XX/XXXX, and was told my account was on hold and just to wait the full 30 days. I reached out again XX/XX/ and now Im being told the email from not only the lakes At XXXX but the email from XXXX XXXX the Director from XXXX, the company that owned the property, was not sufficient enough. This company has been violating my consumer protection rights, I can barely sleep Im XXXX and I feel overwhelmed, helpless, hopeless.
Consumer complaint received 2018-09-12
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: EQUIFAX, INC. (TX)

both XXXX and Equifax have taken monthly charges for membership without giving me access online to view my reports. I have called multiple times requesting a refund for the months I was not allowed access and also advised them that as a victim of identity theft, it is my right to have access to my credit report. They have in fact told me, because I am a victim of identity theft that I will not be allowed to access online even when I paid. Neither bureaus has refunded me for the inconvenience.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (CA)

I opened an Ally XXXXXXXX XXXX XXXXXXXX account around XX/XX/year> for {$100.00} bonus offer for making {$50.00} of recurring transfer for 3 consecutive months. I met the requirements in early XXXX and emailed Ally XXXX support on XX/XX/XXXX about when the {$100.00} will post and they emailed back on on XX/XX/XXXX saying the bonus will be posted within 30 days of the 3rd consecutive transfer. I followed up again on XX/XX/XXXX and they replied on XX/XX/XXXX that they are not paying the bonus. I have followed up again but they are not replying at all. Below is the term of the offer. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: De Lage Landen Finance, LLC (ID)

I sent an opt out letter to Mahindra Finance, XXXX XXXX XXXX XXXX XXXX and XXXX on XXXX according to 16 cfr 313.7, 15 usc 6802 and 12 cfr 1016.7 and received XXXX response. I would like these removed from my credit profile permanently. Also a violation of the Privacy Act of 1974.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

I want to refile this please as my formal complaint to WELLS FARGO BANK for still allowing the fraudulent account on my credit report. I filed an identity theft with the FTC report number XXXX. As I rechecked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports but they seems to neglect the responsibilities to provide accurate information to my credit report.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XX/XX/XXXX - My loan officer and I contacted Portfolio Recov Assoc about a collection item from XX/XX/XXXX that is on my credit report for {$5700.00}. I have not had a XXXX XXXX Credit Card. They were unwilling to provide proof that I signed up for a credit card.
Consumer complaint received 2023-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MO)

Account was open on XX/XX/XXXX in the amount of {$910.00} for collection. It is currently listed as both a closed and collection account. It also changes the original amount of the account every month ( which cant change since the account isnt open ). I have disputed several times because this account was settled in court on XX/XX/XXXX in favor of XXXX in the amount of {$770.00} and should no longer be on my credit report. They increase the balance of the collection every month, and report it twice. Resulting in significantly lowering my score which is a violation of the FCRA as it should not be on my report at all, but they continue to verify inaccurate information.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (MI)

I am THE LITIGOUS CONSUMER WHICH MEANS I AM unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. THIS IS MY OFFICIAL NOTICE TO YOU AND LAST WARNING BEFORE FEDERAL COURTS ARE INFORMED. 
These items should be deleted immediately while in litigation per FCRA guidelines. if you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation. Please, within 14 days of receiving this notice, mail the results or anything that has been attempted on my credit file. 

XXXX. THIS ACCOUNT IS CURRENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES ACCEPTANCE NOW Account Number XXXX XXXX. THIS ACCOUNT IS CURRENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES XXXX Account XXXX XXXX XXXX. THIS ACCOUNT IS PRESENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES WILLFULLY & amp ; KNOWINGLY XXXX XXXX XXXX XXXX  Account Number XXXX XXXX. THIS ACCOUNT IS PRESENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES WILLFULLY & amp ; KNOWINGLY XXXX XXXX XXXX Account Number XXXX XXXX. THIS ACCOUNT IS PRESENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES WILLFULLY & amp ; KNOWINGLY XXXX XXXX  XXXX XXXX Account Number XXXX XXXX. THIS ACCOUNT IS PRESENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES WILLFULLY & amp ; KNOWINGLY XXXX XXXX XXXXXXXX Account XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX MI XX/XX/XXXX Please remove all non-account holding and unauthorized inquiries over 30-days old. 

Please send, via postal mail, the changes to my credit report that have been made or attempted within 14 days of this notice, the changes should be the removal of accounts and inquiries fraudulently placed on my credit report that are listed in this letter, my affidavit of truth, and my FTC report. Once again, this has not been sent in error, and is not a misrepresentation of anything. I am fully capable of settling disputes and informing the federal courts about my issues with XXXX, the credit reporting agency. 

Thank you for your cooperation Signature XXXX XXXX
Consumer complaint received 2024-05-03
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: CITIBANK, N.A. (TX)

On XX/XX/XXXX, someone accessed my information and purchased airline tickets with my credit card. The purchase totaled {$270.00}. Contacted Citibank and attempted to file a fraud alert, however they processed the transaction as a dispute. The merchant responded back defending themselves stating the flight was taken by the fraudster. However, the bank is separating their liabilities from this matter and is not further helping. They said they can not raise this as a fraud claim because I had interacted with the merchant before. This is not an authorized purchase and I raised the pertaining police report as well.
Consumer complaint received 2024-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation (TX)

Account in question : ACCOUNT RESOLUTION CORP XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2