davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

About XX/XX/XXXX, I was informed on a credit report that I had an outstanding debt from XXXX Cable Company for {$180.00}. The information about my name, address, and last digits of my social security number were incorrect. Around this time, I had been a victim of identity theft. I completed a police report, which named the debt collections company, XXXX XXXX, on XX/XX/XXXX. The police investigation dated XX/XX/XXXX, ended with no results. 

I wrote XXXX about the discrepancy on my report The reporting Bureau since placed this account in " dispute. '' They also placed my name, address, and last digits of my soc. sec. number in " dispute. '' Despite the fact that XXXX eventually reported the account is " deleted '' from my report on XX/XX/XXXX, I continue to be contacted by collection agencies. I sent a letter to all the credit bureaus -- XXXX, XXXX, and XXXX -- dated XX/XX/XXXX to reinvestigate the disputed debt or delete it completely according to the provisions of the Fair Credit Reporting Act. 
I am currently still trying to resolve this matter, which impacts my credit for {$180.00}.
Consumer complaint received 2024-05-13
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (VA)

This is from CitiCorp via Best Buy credit card. I opened it over a year ago and only used it to buy a laptop. Now, a year later, they charged my account {$180.00} for a year of XXXX XXXX. When I first got the bill - about 2-3 months ago, I called them and said I did not approve the charge, and to cancel my card. Multiple times. Each person I spoke with gave me different information. They said I would have to contact XXXX XXXX. Why should I go through hoops for a charge I didn't authorize? Contacting XXXX XXXX did not help. 
I have gotten a MINIMUM of 3 to 5 calls every Monday through Saturday. Some as early as XXXX XXXX. to as late as XXXX in the evening. They have 'dinged ' my credit score, which was in the XXXX. This has turned into a giant aggravation/hassle. They are not acknowledging that I did not approve the charge, nor have I used XXXX XXXX for anything. The calls start as robo calls and then transitions to an agent. And I am also getting calls from numbers that my phone is calling SPAM. I own my home and cars outright, and always pay bills in a timely fashion, in full. 
Citicorp is a bully, and doesn't seem to care about the info I have given to them.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

Mohela placed me on administrative forbearance while they processed my XXXX application. They have not processed my application in a timely manner and have now placed me back into a XXXX year repayment. They need to rectify this situation prior to XXXX billing statement.
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AZ)

Received notice at a previous address that a credit account was created by PayPal under my name. I contacted them and requested they delete the account as I had not opened it. They refused because it was not under my social security number. I then filed an identity theft report with the ftc ( report reference XXXX ). 

Now I am received a harassing debt collection notice regarding this account that I already told PayPal was not mine.
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. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Round Up Ventures, L.P. (TX)

XX/XX/24 Spoke to XXXX representative XXXX for XXXX company and him could he provide proof of this alleged debt. He stated a company by the name of XXXX XXXX bought the debt and request that they collect on the debt. He also stated that his XXXX  company remove this debt from my credit report on XXXX XXXX XXXX  and it will take 45 days to be removed. I explained to him that i do not owe this debt. I don't have a contract with this company. They are not registered to collect in Texas. I also request a copy of the removal via mail stating it was removed.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I was trying to log into my account for days and it wasnt letting me in. It didnt give me a error message or notify me of anything. I tried calling customer service and they refused to help. They asked me to verify where I opened my account. I opened my account almost 20 years ago. They also asked me to verify the most recent transaction... If I cant get into my account for days how can I know what the most recent transaction is????? In the end they refused to help me. After hours on the phone I finally got someone to tell me that my account was locked and I needed to go to a branch with a statement from another bank to unlock my account. Problem is I was out of state and there were no branches near me. This is absolutely unacceptable. I have accounts with 3 other banks and I have never had to do anything remotely close to this to unlock my online access. This is a ridiculous process and it all could have been avoided with a phone call. Needless to say as soon as I unlock my account I will withdraw all my money and close it after 20 years as a customer. I guess this is how I get treated for being a longtime customer.
Consumer complaint received 2023-08-12
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. (PA)

in accordance with the fair credit reporting act this creditor ( XXXX XXXX  ) has violated my rights. under 15 usc 1681 section 602. it states i have the right to privacy. 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions ( which i did not gave ).
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

This has been an ongoing issue with Citibank and they are not willing to invite, which is very much. I must say odd since there's no complaint from either party in regards to where the funds came from and the actual transaction itself. Both parties are here in presence and approving the transfer of funds. The original bank XXXX XXXX XXXX XXXX has made no complaint in the matter. They are quite closed account and neither one of us has associations with them anymore, which would make it very inconvenient to send the money back to them as they are requesting. It is simply a closed account that has been closed for over 90 days that they should send the funds. To me XXXX XXXX. Who had received the funds in the Citibank account? It's simple and easy. There is nothing else to say. Why can they not just do this?
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I was informed in person on XX/XX/2018, by Wells Fargo bank agent, located at XXXX, Ca. that mine professional business bank account, " checking '', jurisdiction, relative mine business, XXXX XXXX XXXX XXXX  ; XXXX, was missing, from Wells Fargo Bank relative matter records, and that there was reason to close the account, surrender mine business banking card ( s ), and re-open a new account ... '' I was in state of shock '', and naively continue therefore as she, the Wells Fargo Bank agent prescribed me to do so... 
Later, after I did come to think about all the problems that were suggest by this unbelievable Wells Fargo Bank 's malfunction, such as for regards all mine recur payments, prescribed by me attach to my business banking card, and therefore fact that I would have to contact all relevant associate those business agents, inform them of the new business banking card number ... '' I became very upset, and occur me XXXX, upset mine XXXX XXXX diagnosed, XXXX XXXX XXXX, compel me use my XXXX XXXX  prescribe medications, includes XXXX, for appropriate relief from discomfort and hyperventilation occur me, I maintain a loss of normal breathing because of this event cause much problems, Wells Fargo did cause, even includes Wells Fargo failed even replace the " correct money '' that was lost with account records, XXXX XXXX XXXX XXXX ; XXXX  did concern about exceed {$3000.00}, from abroad moderate business administer was available me at that begin time of XXXX & XXXX XXXX XXXX XXXX XXXX professional business, the parent company, to XXXX at jurisdiction, both be mine , professional legal business ', at Dba. jurisdiction concerns them.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo Banking inadequately deducted funds from my checking account on XX/XX/XXXX. They received a legal notice of garnishment on XX/XX/XXXX, ( Court case # XXXX ) from XXXX XXXX  XXXX XXXX debit collection agency, in the amount of {$2500.00}, which stated XXXX with a return date of XX/XX/XXXX. 
Wells Fargo miss handle a court order document by violating and process after dated order by deducting {$590.00}, and charging an additional processing fee of {$120.00}, totaling XXXX. 
On XX/XX/XXXX, I called Wells Fargo and requested a resolution and was given the run -around with no answers util finally they open a case # XXXX which was escalated to XXXX XXXX I later received a response stating, they will not return funds with letter dated XX/XX/XXXX, and refer me to the Courts and XXXX XXXX XXXX XXXX. 

XXXX XXXX  XXXX XXXX used deceptive practices that violated FDCPA in collection of debt. They continue the collection on expired debt, which is a violation by falsely stating they send notice of the Certificate to Service through US Mail, which is dated two ( 2 ) months after serving a garnishment to bank when the notice should be received prior to. This debt was purchased from XXXX XXXX Bank back in XXXX. I am an injured worker with low-income wages, receiving state assistance for food and healthcare. I have only been able to work XXXX hours per day since XXXX. I have told this to XXXX XXXX  XXXX a XXXX times ; however, they continue to pursue collection. I want them to stop collection because I am not able to pay.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/year>, I called and spoke to XXXX to inform her that I have received money market check book on the XXXX evening. It took 19 days to be delivered to me which was almost a week later than normal 7-10 business days. I was previously told it was ordered on XX/XX/XXXX and shipped by the vendor on XX/XX/year>. Upon my inquiry, She double checked with a back office staff and ensure me the account and check were all green light on and good to go. I told her I will make a mobile deposit to my synchrony saving account to test and ensure both money market account and check working properly. 

On XX/XX/year>, I was restricted from my money market account. I called and spoke to two call center support staff and they submitted my request for reactivating my XXXX  market account and asked me to wait 2-3 days but I am still unable to use the money market account and unsure about my option writing check for mobile deposits. I have not heard anything from the bank or been contacted by the bank to resolve the issue.
Consumer complaint received 2022-11-16
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. (FL)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Westlake Services, LLC (TX)

I told the company I had no knowledge of this account I told them this was identity theft and they did nothing to help me my credit score has been affected when I have never seen or been in the vehicle their saying I have joint responsibility of and I have never signed anything or gave my authorization to co-sign I have a car a XXXX I pay faithfully with no issue I worked hard to get my credit up so I need this taken off immediately
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Please see attached identity reports, I have unverified fraudulent accounts reporting on my account which was authorized by XXXX then furnished by XXXX. This is a direct violation of the fair credit reporting act ( FCRA ) 25 U.S.C 1681 et seq ) directly and intentionally inaccurately reporting. These accounts and any unverified accounts needs to be removed immediately.
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

Placed checks in the amount of {$11000.00} ; {$9000.00} into account on XX/XX/23 and bank placed extended hold until XX/XX/2023. Called bank and asked for reasons and bank said its a systematic reason on their end. Deposited checks are being held longer than period allowed under expedited funds act.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXXXXXX : XXXX, DEPT OF EDXXXX : XXXX, XXXX : XXXX, XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX, XXXX. : XXXX, XXXXXXXX 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 2024-02-04
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NC)

Transworld Systems Inc, the collection agency contacted me about a XXXX XXXX collection that took place in 2018. 
It has been 7 years this collection is old and should fall off my credit report, the action I took was to dispute it. 

However my credit score has fallen XXXX points. And I have a derogatory mark on my credit.
Consumer complaint received 2024-02-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO. (MI)

For the debt to be considered paid If that is not possible for the collections agency to mail me something with the correct amount owed and the correct date of the debt The date of the debt keeps changing The amount of the debt never goes down For them to stop taking my taxes then the amount continues to go up Or at least take a set amount why are they taking my whole tax return and not notifying me of this. 
I would Like them to stop and to mail me amounts and solutions to not take wages and taxes
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Colony Brands, Inc. (PA)

This company : Ginny 's XXXX XXXX XXXX. 
XXXX, WI XXXX has been calling us for years, asking for XXXX XXXX XXXX I've told their representatives, including supervisors, that no XXXX XXXX lives here or has lived here for over 20 years. They have promised to stop calling, but the calls continue. It is harassment.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

i have a bank account with chase bank and ive had some ach debits on my account taken out on the wrong dates. when i bring this up to chase they open a claim and then denied it and wont reopen it even though the charges are not authorized for the dates they were taken out from. the authorization amount is clear yet they wont investigate this issue. i have an authorization agreement proving im right and this is a valid reason to dispute the charge as it fall under the return code r11 yet chase will not move forward with the dispute or give me my money back.
Consumer complaint received 2023-05-10
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. (KY)

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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Consumer complaint received 2023-06-01
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. (OR)

I complain about the erroneous items in my file that I am sure are not mine, but still the disputed items are appearing in my report, I want the items which came about as fraudulent. 

Please remove the following items for they are fraudulent/erroneous : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$14000.00}. XXXX XXXX  XXXX XX/XX/2022