davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (MS)

Discover Bank Bank hired XXXX XXXX XXXX XXXX XXXX to collect on a debt allegedly owed by a Mississippi resident. XXXX XXXX XXXX XXXX XXXX became an agent and third party vendor of Discover Bank at that time. XXXX XXXX XXXX is a Kentucky-based law firm with no physical office in Mississippi. XXXX XXXX XXXX issued form letters, which were not signed by an attorney and/or anyone in the Firm. This practice likely results from no attorney review and/or oversight prior to the form correspondence being sent. This suspicion is supported by the fact that numbers and/or amount owed and/or settlement offers varied up and down depending upon them being sent via form correspondence or later in the case by email from an actual attorney. XXXX XXXX XXXX failed to issue the required validation notice. XXXX XXXX XXXX filed a one-page form Complaint, which was deficient as it failed to incorporate necessary attachments. When the deficiency was pointed out, XXXX XXXX XXXX continued to push for a default judgment instead of amending and correcting the Complaint. At hearing, XXXX XXXX XXXX hired local counsel, who stated to the Court he did not have settlement authority. Upon information and belief, XXXX XXXX XXXX does not ever attend hearings- they practice in Mississippi via remote representation using local attorneys who are not given settlement authority. When XXXX XXXX XXXX 's failure to send the required validation notice was raised, XXXX XXXX XXXX did not provide a copy of the notice but continued using the Court system to try to obtain default and/or summary judgment - all while the original Complaint remains deficient and never amended. This action supports the Firm 's failure to have timely sent the letter ( otherwise, why not simply provide a copy? ). XXXX XXXX XXXX 's use of form letters, form pleadings, and bullying tactics to obtain default and/or summary judgment through remote representation is tantamount to abuse of process. XXXX XXXX XXXX 's actions and/or inactions since being hired by Discover Bank are collectively illegal collection practices geared towards obtaining the highest number of default judgments with the highest balance possible but with the least amount of work per case. XXXX XXXX XXXX 's actions and/or inactions since being hired by Discover Bank are unfair, deceptive, and abusive. XXXX XXXX XXXX 's actions and/or inactions since being hired by Discover Bank are designed to confuse the least sophisticated consumer, including many consumers who are unable to hire counsel to represent them. It is probable that the form correspondence and pleadings being used by XXXX XXXX XXXX are being used across Mississippi and Kentucky against unbanked consumers who ( i ) can not afford representation, ( ii ) would not realize what the validation requirement is, ( iii ) and/or recognize a deficient Complaint. Discover Bank is responsible for XXXX XXXX XXXX 's actions and/or inactions as XXXX & XXXX XXXX Discover Bank 's agent and third-party vendor.
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-27
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. (TX)

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 {$0.00}
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On Sat. XXXX. XXXX I attempted a XXXX transfer to my son XXXX XXXX for {$1000.00} and it " indicated failed ''. XXXX said probably because it was an old Ph XXXX 
On the following day Sunday XXXX. XXXX I saw {$1000.00}. less in my account. XXXX said he did not receive it. 
I did not receive any notification from Chase Bank the transfer was made. On XXXX XXXXXXXX. XXXX I went into the bank and the teller said it was " pending '' likely would be returned to my account. I requested to cancel and she said she could not do that. 
Later in the day I saw online it said " delivered ''. I called customer service. Referred to claims and they said they would investigate. It was SENT TO SOMEONE ELSE that had acquired his old ph XXXX. Not even the same name. However I have a screenshot that says to be delievered on XXXX. XXXX! And the name XXXX appears under XXXX 's. Registered as XXXX. What is this? So it could have been canceled. I sent a request to have it returned to me, but no reply and it has expired. No answer as why no warning on safety to send money to ONLY a phone #. Who would know? I called every few days and got nowhere. Nothing in writing. Not even on my account page that there was a claim submitted. No warnings to use an email address instead of a phone XXXX. I think it is negligence the bank would do this. I am XXXX XXXX XXXX and I trusted my bank of 30 years to protect my money. I want it returned.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # : XXXX, Balance : {$4900.00} and XXXX, Balance : {$9400.00} ( Disputing All five different Loans ) To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$4900.00} and {$9400.00}, which appears on my XXXX, TransUnion, and XXXX XXXX XXXX ] . This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation. ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Last 4 of SNN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A. ()

Once again, regarding PNC Bank, in XXXX XXXX XXXX contacted me and to this day I still don't have my check. She sent it with my name misspelled, and a week ago I sent it back as requested to receive the correct one, but I haven't received any response or my money. 

This is unacceptable from a bank, more than 6 months to get my money... the worst experience with both the bank and XXXX.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (TN)

XX/XX/2023 Went to performance of XXXX car dealership to purchase a car. After further review of the contract I found several violations present with those contract. One violation nullifies the contract pursuant 12 CFR 1026.3 named truth and lending.
Consumer complaint received 2023-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (SC)

Hi, I paid this loan off for the payoff amount that was given to me in XX/XX/2022 in the amount of {$5600.00}. Afterwards, I was told that I still owe over {$1000.00} more for interest. One Main Financial is ripping people off after they're getting paid the money. I spoke with several associates/managers and even Corporate people but still nothing. Even when they were getting paid by the insurance company while i was out of work due to XXXX, they still reported me to the credit bureaus as non payment. I am not paying them anymore money, esp when I've paid them more than the actually loan itself.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (FL)

In accordance with the FCRA ( Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (FL)

In XX/XX/2023 this company kickoff landing opened a fraudulent account in my name. I noticed a new account on my account from kickoff landing llc in XXXX. This account was unauthorized by me &. Ive disputed account multiple times. Ive filed fraud documentation and call my credit bureau, Ive tried contacting the company by email & phone. This account is not mine & according to the FRCA law it has to be removed because it was unauthorized!
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

CFPB responded to me that XXXX XXXX account ( Deleted ) that still listed on my credit report with inaccurate reporting My Credit Report is inaccurate With multiple attempts to fix the inaccurate accounts listed below - Open account inaccurate data - XXXX XXXX  # XXXX Show account balance on a closed write off account inaccurate
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Lied to Me About Removing Its Wrong, Late Payment Fee That Stays On My Account : I paid {$100.00} to Capital One, through my XXXX XXXX XXXXXXXX online bill pay service. But Capital One did not quickly post my payment, despite getting it on XX/XX/XXXX. Capital One instead, sat on my payment, as I kept checking my account with them online. So, on XX/XX/XXXX, I called my Capital One Quick Silver Master Card customer service, at XXXX, to see why my payment still wasn't posted. XX/XX/XXXX was the deadline date for my payment, but the female agent I first spoke with, said Capital One had nothing from me, so I should check with my bank about what happened to my payment. My bank assured me my payment was with Capital One. So, I called Capital One again on XX/XX/XXXX, and got a male agent, who said he was checking to see where was my payment. The male agent put me on hold a few times, I heard a child in his background, and the agent finally, told me Capital One had no payment from me. The agent added, Capital One will of course place its late fee on my account, if my payment would not arrive by that day! I got angry, since no honest worker should prematurely speak of late payment fees not yet added! It seemed like the agent already knew Capital One was premeditatively planning its " late '' payment fee! I hung up, found online the name of XXXX XXXX, as Director of Operations for Capital One, and e-mailed him at XXXX. I got no reply to my XX/XX/XXXX email. But as I checked my Capital One account online on XX/XX/XXXX, I saw my {$100.00} finally posted that date, according to Capital One records. And I saw no late fee, and believed Capital One was not going to incur any. I was wrong! I checked online again in early XXXX, and saw their {$25.00} late payment fee! So, I called customer service again, since I read any credit card customer who always pays on time, may easily get a first-time late fee waived, by asking their card 's customer service agents to do so. And as I spoke with a Capital One agent, he said Capital One will remove the late fee. But that was a lie! The late fee remains on my account, as no one replies to my XX/XX/XXXX email to XXXX, nor honors what one agent claimed about waiving that fee! Capital One 's monthly written statements say I could pay my debt within 3 years, by sending {$70.00} every month. So, I send {$100.00}, as I try to get out of their debt a little sooner. But Capital One wants to keep me indebted for longer, by imposing their bogus " late '' payment fee!
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

Got a call from a person claiming to be a Wells Fargo services asking if i had submitted a request to open a credit card account for Wells Fargo in XXXX XXXX, they had my name and last 4 of my SSN, upon telling them that I had not, they said they were transferring me to the Consumer Protection Service, they started telling me that they were going to get my info so that no one could scam me, I told them to give me there number so I could call them back cause I was a little busy, they gave me a case number - XXXX Phone # XXXX and to ask for XXXX XXXX at extention # XXXX, I told them I would call back. 
I then called Wells Fargo customer support and asked them if they new the number or had the number I was called from XXXX, they said they did not have that number in there system and it was not one of theirs, and that the # XXXX looked like it belong to a private person not a corporation.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-29
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00}
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I dispatched a letter to the bureaus last XX/XX/XXXX requesting the removal of the listed items that are UNKNOWN to me. Today, I became aware of FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal/blocking of any such accounts or information within 4 business days. This requirement was already outlined in my previous complaint and I am reiterating it here. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXXXXXX XXXX Balance Owed {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XX/XX/XXXX
Consumer complaint received 2022-11-29
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 2024-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CT)

I have a checking and saving account with Citi Bank. On XX/XX/2024, I lost access to my account whether mobile access or ATM access. I couldnt make purchases either using my debit card. I contacted Citi Bank XXXX XXXX, and I went through a turnaround as they just keep transferring me from XXXX department to another and to make matters worse, agent tells me something different and others just have no idea why my account has an issue. XXXX agent told me, they received a call from someone that a trying to know my account balance thats why the account is flagged and suspended. I spent the whole day talking to them and XXXX agent advised me open a new account as this one is at risk. By the time they transferred me to the line where I can be helped to open a new account, the department was already closed. The next day XX/XX/2024, I changed my mind as the costumer service was so horrible, so I decided not to move forward to creating a new Citi Bank account and experience the same horrible customer service. So I decided to just collect my funds and deposit it to my other bank institution. The agent told me they will send me a check and it will take about a week. Since a week is too long as I dont have money to take care of my bills, I needed the money as soon as possible so I asked if I can walk to a nearest branch to pick up my money, the agent I spoke to ensured me that I can actually do that. Once I show up to the branch, the banker called the customer service and they did the same, they kept transferring her from XXXX department to another and it took XXXX for XXXX agent to tell us that I cant actually take the money. He proceeded to tell me that my account has been officially closed and must wait 60 days to receive a check. Ive read a lot of review about Citi bank that they dont usually return people money. I the moment, I have my bills such as rent, electricity, heat, credit cards and school loans bills to pay. This situation will ruin my life as all my saving and everything is with Citi bank. I need Citi bank to refund all my funds as soon as possible before my life is destroyed.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (WA)

On XX/XX/year> I initiated a payment of {$250.00} to XXXX XXXX through my XXXX XXXX XXXX XXXX 
The pay from account was selected to US Bank. 
On XX/XX/year> US Bank deducted {$250.00} ( Transfer to XXXX XXXX XXXX ) and Overdraft Fee of {$36.00}. I transferred {$300.00} from XXXX XXXX XXXX to cover the payment. I get the XXXX XXXX XXXX. 
On XX/XX/year> US Bank deducted {$250.00} ( Transfer to XXXX XXXX XXXX ) and Overdraft Fee of {$36.00}. Again I transferred {$300.00} from XXXX XXXX XXXX to cover the missing amount. 

I initiated a complaint of missing {$250.00} from my US Bank account. US Bank initiated an investigation and refunded my {$250.00} but my payment XXXX XXXX XXXX was rescinded and XXXX XXXX XXXX notified me of payment declined. 

My problem now is my account has been reduced by {$500.00} ( {$250.00} XXXX ) and refunded {$250.00} and my XXXX XXXX account payment reversed. I am missing {$250.00}. 

Please help.