davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (CA)

I have recieved {$270.00} in overdraft fees over {$8.00} purchases made on the XX/XX/XXXX and money was put in and cleared before they added on the fees. I am also opted out of overdraft and these were one time payments. 
I checked my balance before every purchase and its totally wrong what they do. 
They will show something as pending and then the charge disappears for two days and shows back up screwinf uo your balance. They will as the fee even after a withdraw is cleared and your account is positive. They charged me {$270.00} because of {$8.00}. 


Simply looking at my statements you will see that the money going in my account is more than going out and that even though they charged me XXXX my account is only overdrawn XXXX, and i have not added money since a fee was added. 
Clearly that being the case proves i never should have been given a fee since my account would need to have a negative balance greater than the fee since its a fee for covering my purchases. But they didnt cover any funds for me and the only reason im negative is their ridiculous fees. {$270.00} over {$8.00} is unjustifiable.
Consumer complaint received 2022-12-23
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-08-31
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (TX)

XX/XX/XXXX my report showed that I had opened a XXXX  account that I have no idea about. I was XXXX  my country at the time in XXXX. XX/XX/XXXX it shows as a b by balance of XXXX and its impacting my life badly.
Consumer complaint received 2023-07-21
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-07-21
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. (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 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 2019-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

I lost my job, and expressed this to Chase many times trying to get them to help me maintain my account. Since XX/XX/2019 - Today, XX/XX/2019, I have been charged 20 NSF / Returned fees. That's {$680.00} total. {$170.00} of that is recurring card transactions. I've paid {$170.00} on little transactions, one of which, for example is {$9.00} razors from XXXX. REALLY? Another {$68.00} is fees on retry transactions where the money STILL wasn't there. Why not just return it altogether instead of racking up fees for me to have to pay? Frustrated, I called Chase today to cancel my card so that they couldn't keep making money off of their predatory recurring transaction fees so that I could get this stupidly high balance paid down. They were unhelpful with trying to assist me with the fees, but they will mail me another card once I bring the account current. I am so frustrated and I'm usually very responsible with my money ... that's why I buy things with my debit card because if I don't have the money, my card will get turned down. It scares me that I have to try and remember every single recurring transaction that MIGHT occur off the top of my head to ensure that Chase isn't taking advantage of my unfortunate financial situation. This is a time in my life in which losing {$680.00} to fees that didn't have to happen is a really really big deal, and I'm so disheartened that there's no kindness in the banking industry. It really is just profit. No one cares when I call and tell them to please help me get out of this. Please stop paying recurring transactions. I don't have overdraft protection on, but they don't care.
Consumer complaint received 2019-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (DC)

Looked at my credit report and seen Wakefield and associates collections bill for {$490.00} for medical bill that is not on file at the hospital at all I never went to hospital on XX/XX/2017 I  sent Wakefield my old insurance information and new information in XX/XX/XXXX my insurance company XXXX XXXX XXXX and new cant verify this bill and it is affecting my credit as we speak I have excellent credit before this incident took place this is why I think they are a scam they said why dont you just pay when they know the insurance company cant verify the bill even exists
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I closed this credit card account in XX/XX/2019 due to fraud on my card. They sent me a new card, with a new number, and I immediately closed that card too - I did not want to stay with them anymore. I had to fight with them several times, staying on the phone more than a 1/2 hour each time to get the charges removed and the foreign transaction fees removed. It took several calls before they told me that it was finally cleared all the way and the card was closed. I look online at my statement and it says I have a XXXX   balance and XXXX due. But, on XX/XX/2019, I receive a credit card statement saying I had a previous balance of XXXX ( all fraud charges and foreign transaction fees that they told me were removed and I had a XXXX balance ) - on this statement they are charging me interest of {$2.00} and a late fee of {$27.00} - bringing my balance due on this statement to {$160.00}! This was all taken care of and XXXX out a while ago. I called them about this because I don't want this late payment on my credit report and they told me that it is still being investigated - a different story than a month or more ago - I was told it was done and no more will or can be charged. While on the phone - for 35 minutes - they told me this was sent to me for informational purposes - which is false - I do not owe anything on this and they are using my old card number, the one with the fraud charges. I believe they are trying to get me to pay them and they know for sure this was fraud, it was reported right away and closed. Not only did this card get hacked, but it is a XXXX XXXX card and was only used at one of there XXXX hotels in XXXX XXXX, we did not use that card for anything else. They have not closed this account, they are using the old card number that had the fraud. They transferred all this info to the new card and cleared it out, but never took it off the old card and now are trying to charge me for interest and late fees.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (VA)

Unauthorized use of credit report. Several violations of FCRA, FDCPA, and Truth in Lending Act have happened against me, a Federally Protected Consumer. Before cease and desist was sent I was being called regularly by Monterey Financial Services during working hours and being harassed. They have left multiple automated messages on my phone in which are saved, date such as the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. Also, other violations which were noted in a certified mail letter and delivered by USPS system on the XX/XX/XXXX which include 9 other violations. Monterey is civilly liable for knowingly violating me.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I had approximately {$3000.00} withdrawn from my account. CHASE bank will not reimburse since they indicated my card was used. 

I didn't withdraw the money and it was performed at a teller window in XXXX NJ. 

The bank keeps denying the claim I want my funds returned to me.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NC)

I opened up an account with Chime on XX/XX/year>. I used the account to transfer {$100.00} into my XXXX XXXX XXXX account and I didn't have any issues. 
The next I was notified my account was closed. I called XXXX and was ask to send 2 forms of ID, which I did. My account was then reopened. I had {$94.00} in there at that time. The day after that, it was closed again. I called the same number back and was told that the was account was closed, I received no reason why and was told my money could not be refunded back to me. I waited a few days, thinking it was being investigated and called back again. I was told the same thing. No explanation and I was unable to get my money back. I then ask for a manager and was told I would get the same answer no matter who I spoke to. I have sent an email to the support team at Chime and I am waiting to hear back. I do not understand how they can legally do this!
Consumer complaint received 2022-12-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Coinbase has placed a hold on my account, without any noteworthy activity on the account. CFPB previously assisted in an account issue a couple years ago for the same account, and now we're back at it. 

If my account is not restored within the specified timeframe, and access to my funds remains blocked, I will pursue legal action. Case ID # XXXX.
Consumer complaint received 2023-07-21
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-03
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: LEXISNEXIS (LA)

This company has improperly used my personal private information in order to gain profit the violations of 15 USC 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. This has not been done so and also violates ( 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. LEXISNEXUS have informed me they have removed the reporting of the requested information and is still being reported on my behalf. The violations of Fair Credit Reporting Act, The privacy act of 1974, and The Gramm-Leach Bliley Act have all been violated and this information need to be urgently removed.
Consumer complaint received 2021-08-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I tried talking with this company but seem like I didn't get anywhere with them XXXX XXXX XXXX XXXX XXXX did a foreclosure in XX/XX/XXXX and foreclosure sale in XXXX of XXXX and filed eviction in XXXX XXXX on a Texas home equity home loan line of credit contract. This has my mother and stepfather is named forged on this contract the original loan was paid off XX/XX/XXXX of XXXX the loan servicer was XXXX XXXX XXXX  when the mortgage was paid off and full and satisfied I have been fighting with them for 7 years and they are breaking the law and the rules and regulations and I got a paper a a certificate of facts from the secretary of the state that shows they don't have no information of them doing any type of business here in Texas. This problem has caused me pain and suffering because they have stowed money and they're trying to steal the property and this is way above {>= $1,000,000} issue so I hope this problem to be solved and I will send a copy of the certificate of fact or any other documents that I can attach to this because they are criminals and his property I have the paperwork that shows proof that this property has been paid off everything has been filed and recorded the County recording office also have the release of XXXXien of the property that shows my parents are the rightful owners of this property and there is no mortgage on this property the due to the fraud and the forge that has been going on for 7 years now since I've been dealing with this company or these Crooks
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Good morning I contacted Fifth Third bank yesterday to ask why they havent taken off PMI since loan is down to 78 % loan value below that and they still are saying they dont have to because they dont know the value but I thought that doesnt matter now that its below 78 % as federal law says they have to take it off so an appraisal or broker opinion doesnt matter. Its federal law to take it off, but they still wont? Why wont Fifth Third bank follow federal law??
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received late payment fees and interest charges on my credit card for supposedly not making payment in time. 

However, per screenshot, it stated that it was all " Processing. '' This must have been an error.
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Pay pal kept my money of {$4200.00} they have limitations on it that were supposed to be lifted after 180 of investigation for fraudulent charges or charge backs. I am my husbands representative payee and he filed for unemployment and had his checks deposited in my account bc he was /is having problems with his account. We are legally married and my husband provided the pay pal with a notarized letter stating he had his checks deposited into my account and he made me his representative payee. The department of labor was depositing his checks into my account and his childs mother and boyfriend called the department of labor and changed where his checks were being deposited and they recommended filing fraud complaint with the fraud department in the department of labor so he did now pay pal has had over 180 days on XX/XX/2021 tbe 180 days were up and they still wont release his funds. Please help us receive our funds
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX and Equifax has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX