davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-27
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: Fidelity National Information Services, Inc. (FNIS) (FL)

its accounts being reported on my Chex system and XXXX XXXX report that's not mine due to Identity theft and fraud some even have inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX Florida I never lived there and when I went to locate the Adress it's an empty home. Also XXXX XXXX XXXX XXXX XXXX XXXX Fla XXXX never lived there and I never lived in XXXX XXXX XXXX XXXX XXXX Fl XXXX. My wife and I XXXX XXXX were victims of Identity theft and a lot of accounts been opened in Our name some XXXX and XXXX XXXX, XXXX, XXXX XXXX and also Inquiries. Please assist us in getting these issues resolved. This is Our Final step before filing a suit in Federal Court.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1700.00} XX/XX/XXXX XXXX XXXX
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (NY)

I opened this credit account last winter, almost one year ago. I had an emergency at my home and needed some type of credit to pay for needed construction work. I was given a small line of credit, I believe {$500.00}. At the time I had expected to be able to pay this debt off in under six months. I am not saying I did not agree to the terms. I did. That is not what this is about. Unfortunately, my husband got laid off only a month before. We thought he would have been back to work in no more than a month but it did not work out that way. it took longer than expected, just over two full months and of course we didn't start seeing paychecks until almost three months. We were hard pressed to even pay our mortgage which we had to make principal only payments on for a few months. We had to put oil in our tank, and pay all our essential bills, including several credit card payments, this being one of them. It took us well over six months to recover from the hardship especially since I was not working. I recently noticed, my monthly payments werent ' making a dent in this debt. I contacted the bank asking if something could be done, to lower the interest rate and maybe remove some of the interest etc. I was promptly denied. I had also approached another bank with another credit card and had very positive results. The bank worked with me and removed a few hundred dollars of interest and put me on a 0 % for the remainder of that balance. I was very pleasantly surprised. However, Barclay refused to do anything to assist us. Nothing. I have since gone on XXXX  XXXX in early XXXX. To this day we are still struggling and feeling the effects of my husbands lay off last XXXX. I can not believe that I have to pay hundreds of dollars of interest on a {$500.00} charge. It is insane. I don't want to have to make an ugly decision, like having to default on this credit card but I can not continue with this debt. I need help. The interest rate on this card is very high and I feel the bank is taking advantage now.
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK (NV)

On or around XX/XX/2019, TCF Bank ( Wisconsin ) conducted an administrative closing of my primary checking account. They intercepted my direct deposit funds from my employer, with a balance of {$330.00}, and they are refusing to relinquish the balance of my personal money property, and are attempting to steal my funds, by extortionate means. 

I was told to send a notarized letter to TCF Bank, requesting for my mailing address to be updated, in order to have my funds returned. 

I have made several attempts to find out when my funds will be returned, but to no avail. The bank keeps telling me that they are processing the cashier 's check that was promised to be sent to me, in a timely manner. 

On XX/XX/2019, TCF Bank received a " notarized '' certified letter in regards to my request, and they still refuse to return my personal money property, by way of theft. 

TCF Bank has closed my checking account, and refuse to return my balance. I would like for my funds to be immediately returned to me, as I do not authorize TCF Bank to take control over my personal money property funds from this point forward. 

Respectfully submitted, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX Date of issue : XX/XX/XXXX Wells Fargo Bank, XXXX. 
Check Number XXXX AMOUNT OF FUNDING {$13.00} " XXXX And XXXX/XXXX Dollars Originally my total amount, facts are suppose to claim a number of {$130.00} " Pay to the Order of : XXXX XXXX '' XXXX As soon as I realized that my account was still active and still running that I contacted XXXX and made sure that I got a refund request to them and I had to make sure that it get processed correctly so that was in my XXXX weeks to XXXX weeks that's not even from Wells Fargo so technically the account was supposed to be closed probably like 8 months and there's two account activity so same XXXX account but two different apps so it's considered two different policies two different accounts will XXXX pay so prior that of me requesting a refund XXXX actually contacted me first and implied that there were two accounts in my name with the same email because of the two different apps so one had the card and one didn't not realizing but I didn't approve of those purposes there was three different three four different purchases one was for like {$150.00} and then the others were no more than {$40.00} so regardless XXXX and XXXX cents still waiting get nowhere without having a XXXX  explanation what the XXXX XXXXs going on at least I XXXX  summary right cuz money we have to get put back into that account and then wherever it went from there I would want to see it deducted of a list that's why there's monthly summary reports all I ask is for a sheet of everything that has my name on it that has ever been processed into that system I have a investment package from a previous employer round table XXXX XXXX from XXXX XXXX it was initially put into my account signed by the owner himself and XXXX THEN JUST THE CHECK HERE THAT I HAVE XXXX AND XXXX CENTS THAT ORIGINALLY SHOULD BE ON THE CHECK BUT THERE'S I SIGNED IT BUT I WAS NEVER GOING TO GOING TO XXXX DEPOSIT IT CASH IT WHATEVER TRANSFER WHATEVER THE XXXX! I'M JUST CALL ME PATIENTLY WAITING SO NO ONE COULD SAY THAT I'M COMING OUT OF A PORTION WHERE THE ATTITUDE OR ANYTHING LIKE THAT CUSSING WHATEVER BUT MAINTAINING COMPOSURE THAT'S WHAT I GET PAID FOR SO BREAK IT DOWN
Consumer complaint received 2019-12-27
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. (LA)

Equifax has FAILED to delete an account off my credit file that I DID NOT open. I sent them a police report and shown that the account has different billing information on it other than mine. Every knows how easy it is to apply for anything online without physical verification! 

One credit bureau has already deleted the account instantly as attached. 

I DEMAND EQUIFAX TO DO THE SAME!
Consumer complaint received 2019-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (ME)

In XX/XX/XXXX I received a letter from a collection agency XXXX XXXX, XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ), dated XX/XX/XXXX ) regarding Creditor : Paypal Inc., regarding an amount owed of {$80.00}. As the only account I have ever had with PayPal was the standard account where all payments were made through my credit card or debit card, I was confident this did not belong to me. 

I contacted PayPal Credit and they confirmed that this was a Business account created in XXXX under my SSN #, however an e-mail address that was not associated with me. After speaking with a XXXX at PayPal, he agreed the account looked suspicious and deleted the account and indicated that since there was not further activity on the account that the balance should be resolved. 

In XX/XX/XXXX, I received a second collections letter, but this time from a XXXXXXXX XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). I contacted this agency, speaking to a XXXX XXXX and a XXXX. My case was sent for investigation. I received NO response back from the agency or PayPal credit even though I was told someone would contact me. 

I assumed the issue was resolved until I received another letter from XXXX dated XX/XX/XXXX, with a NEW account #. This letter indicated a 'Charge off Date : XX/XX/XXXX ', no indication as to what this means. I contacted the agency XX/XX/XXXX and they said the investigation came back from PayPal indicating no change to collections balance. I was transferred to PayPal credit who could no longer locate the account to investigate further. payPal then indicated that the debt had been sold from one collection agency to another and that maybe the debt had been sold prior to me resolving the issue with PayPal initially. At this point PayPal gave me a phone # XXXX to the original bank holding the credit ( XXXX ), however I had not luck contacting this agency to speak with an agent. At one point I was even transferred to an XXXX credit agent. 

Note that between XXXX when this account was created to XXXX I never received any communication from PayPal via phone, e-mail or mail indicating that I had an outstanding account. 

I have made every effort to contact the related agencies to resolve this credit balance that I do not owe and was told by PayPal would be resolved. At the risk of my credit score I am refusing to pay this balance since these agencies can not seem to bother  helping figure out how to resolve this issue.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (ID)

In XXXX, a payment of XXXX was returned. Since then, every single payment has been on hold for over 7 days. I called to speak with the company about it today, and they said there is nothing they can do. How is it possible there is nothing they can do? I've made over 5 payments since the returned payment and the " system '' still places a hold on my payment being posted ... .if it isn't something, it is something with this company.
Consumer complaint received 2024-03-14
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XX/XX/XXXX
Consumer complaint received 2019-12-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Recoveries, Inc. (MI)

National Recoveries Inc. XXXX XXXX XXXX , XXXX XXXX , MN XXXX, ( collection agency ) is attempting to collect from me monies on a discharged student loan. They are unable to validate the debt they claim I owe them. I never contracted with them and they are attempting to collect monies from me for a student loan that was officially discharged on XX/XX/2012 through the IRS and was taxable income.
Consumer complaint received 2019-12-27
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. (TX)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have an authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ******* ( copied form the affidavit ) ******
Consumer complaint received 2022-06-01
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. (FL)

I have Mailed XXXX XXXX and Transunion on several occasions about this Delinquent incorrect car loan on my report all three bureaus have verified the loan but when I requested the method of verification they never send me this. They literally ignore the letter. Additionally I mailed the furnisher of the information who is XXXX XXXX XXXX and the mail was return to sender not deliverable as addressed unable to forward. However I use the address that was on the XXXX XXXX and Transunion sites. With that said this is against the FCRA as that information has to all be XXXX percent accurate and it is clearly not additionally they continue to verify the account but who are they verifying the account with especially when they wont tell me or show me proof. Additionally XXXX is showing this still with the original creditor XXXX XXXX in which it can not be with both entities thus this is incorrect and needs to be removed immediately.
Consumer complaint received 2022-01-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CFR Violations. 
This correspondence is in regard to violations of Coded Federal regulations committed by CAPITAL ONE. I XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as striping my comfort and jeopardizing my security. It is inconsolable to learn that CAPITAL ONE does not operate with integrity. 
This correspondence is also in regard to adverse action committed on XX/XX/XXXX closed account. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). 
These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspriacy case no. XXXX Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Online payments made from XX/XX/XXXX through XX/XX/XXXX as identified by bank statements, The recipient of the online payments says she did not receive the funds. I am asking the bank to provide me the information of who and when the funds were withdrawn and the financial institution and account number of the recipient of the funds. The fund total is {$25000.00}. The bank statements only says the recipient of the online payment and the reference number.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

XXXX did not send me a copy of the original signed contract which proved when i opened the account and i did not receive the full payment history as in statements. i see no proof that my last payment was made on XXXX/XXXX/2012.
Consumer complaint received 2022-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I have made many payments through the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that have not been applied to my balance. I have submitted an employment verification since 2015 when I enrolled in the program. I have upheld my end of the XXXX contract, yet I do not see that in return. 
I currently should have XXXX payments counting towards my XXXX program. The system shows only XXXX eligible. I am still paying undergraduate and graduate loans. I have worked in education for 20 years as a dedicated teacher. I earned a XXXX 's XXXX in Education in order to fulfill the requirements for certain positions. 
I have filed my taxes as a single individual, although I am married, just to keep my monthly payments manageable given my salary. I currently work two jobs to maintain financial stability. Saving for my own child 's education is quite challenging given the never-ending circumstances of the XXXX program not meeting the agreed-upon contract.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I had a bank account with USAA in which I no longer have access to do to fraudulent activity. There was almost {$5000.00} worth of charges to my account from overseas in XXXX XXXX XXXX I spoke with the bank and they told me that they worked along with their fraud department and came to the conclusion that I was being accused of being involved in the fraudulent activity of my account which I was not. I called the fraud department many times and got no answer. The case has been closed and I was told not only would I not get the remaining balance in the account, but that I owed the bank money as well. 
Also, my account was connected to my mother 's account with USAA as well and her account has also been frozen and she is also unable to remove her remaining balance. I believe that my personal information was somehow stolen, also a college that I once attended ( XXXX XXXX XXXX XXXX ) sent out letter later that year advising students that there was a hack in their systems and students personal info including name, addresses, and social security numbers had been compromised.
Consumer complaint received 2019-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NC)

After reviewing my credit reports I noticed fraudulent activity and contacted Comenity capital bank/zale they refused to investigate and remove this fraudulent account as they don't belong to me XXXX XXXX XXXX XXXX.I have been trying to get this fraudulent account removed for the last 2 years.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (TN)

XX/XX/2022, I called to make some corrections to my account the person on the phone picked up the phone took it off the hook, and I can hear the person working on the phone at the office instead of saying anything the person is leaving the hook off the phone. I have a I encountered this XXXX XXXX XXXX they usually do this often, I was a patient there somebody called and the person picked up the phone and left it off the hook and this is what U.S. bank is doing this morning time now is XXXX Am Central it reflects back on the company ah I demand apology for
Consumer complaint received 2019-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After numerous attempts and sending all documents in for the last year the credit bureau XXXX  and Transunion refuses to delete fraudulent names and addresses from my credit reports. My name is XXXX XXXX XXXX XXXX  XXXX and my address is XXXX XXXX XXXX XXXX , NC XXXX and they refuse to delete all other fraudulent names and addresses as requested. I have raised concerned with them that this is fraudulent activity and wanted it investigated because it had to be from XXXX  data breach of people credit profile being hacked and they still refuse to delete these fraudulent names and addresses!! and Transunion also has refused to delete the same
Consumer complaint received 2022-01-31
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

I just checked my credit report for the first time in many years, because I knew I had some negatives that needed my attention, I have paid off a few already, but this one is still showing up on my report even though the balance is XXXX. I was lead to believe it would be removed from my report all together. 

The balance has always been XXXX, with no late payments according to the report.