davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-28
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$32000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- XXXX ACCOUNT -- 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (IA)

To whom it may concern ; XX/XX/2020 Sunday at XXXX I received an email notification from Bluebird American Express stating that I received my federal tax refund. The following morning when I was going to check my account I was not able to logged in. Thinking I messed up my password I requested for a reset. When I opened my email as I browsed through it I saw that I received another email from Bluebird saying my account " due to the unusual/irregular activity I may experience limitations. '' With this being said I am unable to actually accessed my account. 
I then called the number they provided and tried to figure out why this happened to my account in which I dont remember I did something wrong to it. I explained to the CSR XXXX I was still using my card that Sunday afternoon. The CSR told me she will send an email or escalate my concern and issue to the back office since they are the one who an further investigate of what happened to my account. I've waited for 2 days and yesterday ( XX/XX/2020 ) I called back to follow up my issue according to the Male CSR he has not seen any notes from the back office about my account and that's when he said he will send them another email to follow up the status of my account issue. 

This morning ( XX/XX/2020 ) @ XXXX I recieved a email from Bluebird America Express saying that  my account is " Back on and the disruption to my account has been resolved. And they're sorry for the inconvenience it may caused me. '' No further explanation whatsoever except that. Annoyed by the useless reason I brushed it off and thankful that I'm finally able to use my card and this issue is over with. 

However, around XXXX something XXXX  I was at the store ready to pay my purchase my Bluebird American Express card got declined, thankfully I have a back debit card that I used to pay for my purchases. Concerned and worried when I got to my car checked my account I was not able to log in again. Realizing what was happening I knew right there that this might be happening again. I went and checked my email right there I saw I received another email from American Express around XXXX with the same reason my account has unusual/irregular activity and it is locked again. 

Frustrated of this situation I called the company again! And according to the 4th CSR I spoke to since Sunday, she will AGAIN escalate my issue to the back office and I have to wait another 2 business days for this matter to be resolved. 

I am not disappointed and felt that been played with this company America Express Bluebird for doing this to me. I did not see anything that could have been the reason for me to go through this. I am in disbelief that I got locked down or been limited to use my own money and card. 

CFPB please help. I'm afraid that after 2nd time this will continue to happen over and over again. 

Thank you and have a great day.
Consumer complaint received 2023-02-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2021-08-30
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 am a victim identity theft and I found some unauthorized inquiries reporting on my credit report and I requested that the bureau 's remove them from my credit report on XX/XX/2021 and they failed to remove all of the unauthorized inquiries from my credit report. 

I have requested that they remove XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX and they are still reporting on my credit report. 

Please see the attached identity theft affidavit.
Consumer complaint received 2020-02-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MI)

On my PNC Bank Home Equity Line of Credit Account Statement ending on XX/XX/2019, PNC incorrectly calculated my account balance by {$220.00} & has not corrected in in last two month statement even after I talked to them in early XXXX concerning this issue. My XX/XX/2019 balance was {$81000.00} & my XX/XX/2019 statement shows principal as {$210.00} with no other charges than interests but my loan balance went " UP '' to {$81000.00}. 

I demand to know why this happen & if this happen to other PNC customers. As I stated earlier my present statements still reflect the incorrect thief by PNC of {$220.00} plus any interest I being charged on this bogus thief.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

The apartment complex The XXXX XXXX  XXXX XXXX  XXXX  continues to state that there is a previous debt. The debt has been disputed by myself with the collection agency. The apartment complex resubmitted the collection and has appeared on my most recent credit report.
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021 PayPal confiscated all the money in my account, {$7200.00}, claiming I was in violation of their acceptable use policy, and that the money they confiscated was for " damages ''. I have had an account with PayPal for over a decade, first selling books, and then selling tools and firearm parts on my website for over four years. I was not aware that PayPal had an issue with gunsmithing tools and firearms parts until I recently read their acceptable use policy.

I was never told what part of PayPal 's Acceptable use policy I was in violation of, but according to PayPal 's acceptable use policy, under the AUP, which provides that " you may not use the PayPal service for activities that... relate to transactions involving... ammunition, firearms, or certain firearm parts or accessories, or... certain weapons or knives regulated under applicable law. '' I assume the issue was because of the firearms related items I sell, however I did not sell anything illegal, I did not sell any firearms or ammunition through my PayPal account. Under the AUP, " certain firearms parts or accessories '' are against the AUP. Which firearms parts are against the AUP, and how can the benign tools I sold possibly damage PayPal, and by what accounting method were these damages calculated? According to the AUP, certain firearms parts are acceptable, but some are not. Is the AUP purposely vague? I maintain that Papal is illegally confiscating their customers money, without warning or explanation. Even PayPal 's shareholders are concerned with this illegal practice, and have filed complaints with the SEC. There are now attorneys working on a class action lawsuit to get the millions of dollars back to the innocent people that PayPal has stolen from. I find it incredible that a financial institution would risk getting the reputation of taking their customers money without warning, and without recourse, and on a very vague and non-specific policy. Why would anyone take a chance on having money in a PayPal account when it can be arbitrarily confiscated?
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Someone is using my personal information to try to open up credit cards and loans. I have put a freeze on XXXX, transunion and XXXX I received alert of hard inquiries that I did not apply for. Also received letters from companies. I have called them to resolve. I need help making sure whoever is doing this to stop trying to apply for credit cards and loans. Very scary.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (MD)

I open a checking account of this M & T Bank at XXXX XXXX XXXX of XXXX but now it been closed. So, i visit other branch in Downtown in XXXX XXXX. Aside from checking, i open a savings account and they also give me a credit card too. Because, i have no time to go to other bank near to me i decided to open a CD year XXXX. When i open my account on this bank they tell you a good product and services they offered like you are Protected for OVERDraft fees if you open other account servjces you have. As we all know we have no time to read the detail terms and condition you signed. IN SHORT the people in the bank will NOT give you the Pros and Cons if your savings become lower to the minimum balance or if you used your checking account without funds evendo you have money in your other account like savings and a credit line they offered to us to save my overdraft, now the {$12.00} overdradft fee became a transaction fee this is what the Agent told me name XXXX I call today XX/XX/XXXX at XXXX XXXX to dispute this {$12.00}. 
I issued a check the amount of {$98.00} XX/XX/XXXX but my remaining funds that time is around {$53.00} plus then the M & T bank automatic they charge on my M & Tbank that connected to my all accounts ( checking, savings ) i check my accounts last night and i found out the transfer of the personnel bank to my account using the credit card to cover my short of {$43.00} plus ( XX/XX/XXXX ) transaction and additional {$12.00} ( XX/XX/XXXX ) therefore they charge me the total of {$56.00} plus. Therefore, when i online and find out the charges i immediately pay on this amount and hoping on next day i call the bank to ask for the refund or waive my {$12.00} overdraft fee which is am disappointed that they can not refund this charge! This is the 2nd time they charge me for overdraft and never get the refund because they say i have no savings account at the time year XXXX and the credit card covered my short funds. Although, they said am protected by the overdraft fee if ihave a credit account from their bank. And, now they give me other reason the overdraft fee that they charge because i make a online transactions which is a fee!!!! This bank have many victims because of they terms and condition that not reveal to the consumer. This institution used our money and at the same time LEGALLY FRAUD the consumer of their small print and deceitful Terms and Condition and POLICY of the Corporate scammer bank institution. Am, sorry if i say this, am so upset this charge {$12.00} is already big money, especially i earn $ XXXX hour only just rely on the tip of the customer that i work for. 
Hopefully, you give your time and attention to my complaint and hoping they give as consideration being a long time customer. 
Thank you.
Consumer complaint received 2020-02-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION (NY)

On or about XX/XX/XXXX, I received 3 letters dated XX/XX/XXXX from Sallie Mae. These 3 letters were Notices of Right to Cure Loan Delinquency. I was surprised to receive these 3 letters because I do not owe this debt to Sallie Mae nor did I guaranty any loan to Sallie Mae. The amount of the debt represented in these 3 letters is {$60000.00}. 

On XX/XX/XXXX, I promptly responded to these 3 letters by calling the phone number ( XXXX ) provided in the 3 letters. I disputed the debt and stated that I did not borrow the money nor did I guaranty this debt. I requested an explanation of why I received these 3 letters and subsequently requested verification of this debt. Sallie Mae has not verified that I guaranteed this debt and Sallie Mae continues to collect this debt from me. 

Between XX/XX/XXXX and XX/XX/XXXX, I and my husband had a total of 19 phone calls with representatives of Sallie Mae. My husband and I continued to dispute the debt as not my debt. However, Sallie Mae continues to harass me with collection efforts and maliciously posted derogatory comments on my 3 credit reports ( XXXX, XXXX and XXXX ). 

On or about XX/XX/XXXX, I received a 4th letter dated XX/XX/XXXX. This letter was a Notice of Right to Cure Loan Delinquency in the amount of {$12000.00}. The 4 loans total {$72000.00}. 

On XX/XX/XXXX, my husband received a phone call from a Sallie Mae collector attempting to collect {$12000.00}. Again, my husband explained that this debt was not owed by me. 

Because of the false and derogatory comments posted by Sallie Mae on my XXXX  credit report, my credit score was significantly lowered and I was denied credit by a credit provider on XX/XX/XXXX. Sallie Mae caused me to suffer financial harm. 

Though I deny and dispute that I owe the 4 loans, and Sallie Mae has yet to verify that I owe this debt, Sallie Mae continues to assert that I owe the debt and refuses to remedy the malicious and erroneous postings on my credit reports. Therefore, I am continuously suffering financial harm. 

I will upload letters exchanged between me and Sallie Mae. 

Thank you for your assistance.
Consumer complaint received 2023-11-29
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. (FL)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have all three credit bureaus reporting judgements, tax lien from XXXX XXXX and XXXX XXXX on my credit report, they are reporting time barred debt on my credit debt that does not belong to me, tax lien in the amount of {$17000.00} Theses items were removed before through a prior complaint in XXXX, since then they re-inserted the debt which is a violation of the FCRA, they are not supposed to re insert debt. they have told me over recorded conversation that they have once again processed the removal of the tax lien for XXXX XXXX, XXXX XXXX, XXXX XXXX 2 accounts, they informed me they were going to correct my credit card information removing the 6 months late payments, they also told me they are not reporting the tax liens, the eviction which is deemed public records, they informed me they do not report judgements, tax liens, and public records, when I pulled my report, Tomy surprise they are still there, the credit bureaus have not done one thing to correct it, the they say they need verification of identity,. After I submitted nothing has been done to remedy my complaint, XXXX  continues to report old time barred debt, and old collection accounts that are past 8 to 13 yrs past credit reporting statute of limitations past 10 yrs, I have now hired a Consumer Protection Attorney to remedy the situation, if they do their jobs and fix the errors on my report, a remove the judgments, tax lien, and public records, then I will not have to push forward in a lawsuit. The CFPB needs to monitor these bureaus, and collect data from other consumers to file another class action lawsuit. XXXX, transunion, and XXXX  needs to remove these items my scores are supposed to w   in the XXXX.
Consumer complaint received 2022-09-29
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. (NC)

n accordance with The Fair Credot Reporting XXXX Account # XXXX has violated my rights to 15 U.S.C. 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A states section 2 : it also states a consumer reporting agency can not furnish a Account without my written instructions
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I feel violated by employees revolving around benefits to which I am entitled and are an abuse of power when XXXX told me about my XXXX benefits under ending account XXXX on last Friday that she will fix this and it is your account, immediately I felt uncomfortable. She said that she will straighten this out by replacing identifier with mine and forced me to report it with Bank of America and now nothing has matched up because of this. 

Then with XXXX XXXX the conduct of XXXX that I are made feel violated and an abuse of power by her and that on Saturday XXXX I spoke to her about my account and she " Out the Blue " said I am putting a block on your account, I said why? So no one can go into your account without your authorization. When I called back I discovered she lied and it was to allow benefits in but that I could not withdraw and this were not my wishes and are wrong. Now that I can see what they are doing to block payments I truly want all three blocks removed ending XXXX, XXXX, XXXX.
Consumer complaint received 2021-08-29
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 (CA)

Received a late fee out of the normal fee after an auto payment was not set up correctly. Never had been late on a payment before, contacted Capital One customer service and was told they would not waive the fee. Was never late with any payments even during the pandemic. Then contacted Capital One corporate three different times and received no response.
Consumer complaint received 2020-02-28
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: Diversified Consultants, Inc. (NY)

I, XXXX XXXX makes this claim that a nationally recognized collection agency known as Diversified Consultants is trying to collect on a debt from a public utility company known as XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my XXXX   credit report XX/XX/2023. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that this collection is over seven years old. Diversified Consultants has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. Diversified Consultants is in violation of their subscriber agreement with XXXX, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by XXXX  and if documentation proves my position, a complete disassociation with Diversified Consultants.