davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX/19  - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee As listed from the above transactions, my bank has been charging me fees over and over. Despite my calls and in person meetings to stop allowing overdraft on my account, the bank allows companies to access my account multiple times a month for the same transaction. 

The bank doesn't fund the transaction, it simply overdrafts my account to charge me an overdraft fee then returns it to charge me a transaction return fee. To finish it up, it charges me a maintenance fee for my balance being under there threshold. The bank allows companies to access my account at least 3 times a month for the same transaction and continuously keeps me in the whole while profiting from my inability to pay those fees they are laying on me. 

This is a shameful behavior that banks need to stop. For someone who studied finance, I know the need of banks and what they can do to enable a prosperous economy. But their current practices to obtain money in any methods possible from the least fortunate is shameful. I hope as we move forward there will be banks that help lift people out of poverty, not dig hole that will fortify the barriers already faced by those folks.
Consumer complaint received 2020-02-17
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. (AR)

I was online and I applied for a personal loan, that I got due to a low credit score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a witness of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$540.00}
Consumer complaint received 2022-06-04
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. (OK)

Started receiving letters and phone calls from car dealerships about loans over the past few weeks. Initial thought was these where just scam phone calls but after we looked at my credit score there have been multiple hard inquirers on my credit and in my name over the past month. When we looked at my credit report there is also alternative names and addresses on file that don't belong to me. My credit score has also dropped due to these inquirers. We have frozen my credit on all 3 companies and now want to know what the next step is for me to make sure no loans were taken out in my name, find out how to my information got out and how to protect it going forward, and how to get my credit score back to where it was before.
Consumer complaint received 2022-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/2022 I tried transferring money from my PayPal account to my personal checking account. I did not want to pay the {$1.00} fee to have my money transferred to my bank account immediately so I chose the option have it transferred in XXXX - XXXX business days. That option kept giving me errors saying my bank account could not be linked, and then it told me the account was already linked so it couldn't be linked again. However every time I clicked on the Transfer it would not provide me with either my bank account or bank card on file to transfer to. My bank does support PayPal so that's not the issue. Then I tried clicking on the option to have a check sent to me and every time it just re-routed me to the transfer funds to my account. I tried submitting a ticket via their Resolution Center and I received an error message saying my request could not be processed and to try again. I would try again and would receive the same error message. Every time I tried calling I received an automated message that said no one was able to take my call and it forced me to text with someone. So I started a message with their support team, who was not helpful at all. They only provided me with screenshots from their Help Center showing me how to navigate their system, told me the issue was because I had to update my telephone number on file, and then they told me the issue was because I did not verify my tax information followed with because my account has less than {$10000.00} they even said that should not have impacted me transferring money to my checking account. Their online support did not listen to me and they did not help me at all. Something in my gut said to try selecting the {$1.00} transfer option, as I had a bad feeling by this point, spending several days trying to get my money transferred the FREE way, that this option would immediately work. And it did. As soon as I clicked that option to be charged to transfer my money to my checking account my money was transferred. I never updated my telephone number on file and I never verified my tax information, so that just proves there's something wrong with their system that they refused to acknowledge and help me with and they ended up illegally charging me {$1.00} in fees to have my money transferred because the free option gave me error messages for days. I want my money sent to me via check from PayPal that they illegally took from me. I want nothing else to do with their company as this is not how a company like theirs should operate and I hope they are help accountable for these unethical business practices. I have provided screenshots of all messages I had with their employees and screenshots of every issue I reported in my complaint.
Consumer complaint received 2020-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMMONS FIRST NATIONAL CORPORATION (NV)

Simmon banks owe me XXXX dollar i try to call them and have them write a check to me, and they aren't really communicating with me ... my account is already closed and they are starting to treat me badly.
Consumer complaint received 2022-04-15
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.
Consumer complaint received 2020-10-05
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. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

I WAS LOOKING OVER MY REPORT and NOTICED YOU GUYS MARKED me late ON XX/XX/2017. ACCORDING TO 15USC 1681 ( A ) YOU are NOT SUPPOSED TO do THIS.
Consumer complaint received 2022-04-15
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

On all three credit bureaus, there is a Capital One account that is showing opened XXXX and closed XXXX. I have the last 4 of the account from my credit bureaus. Yet, Capital One shows NO account at all with the number I have, under my name or SSN. Capital One says the Credit Bureau should remove it - The Credit Bureau says it is Capital One who should. I've filed disputes in XXXX and XX/XX/XXXX- they do not respond to the issue, and only say the " account status is closed ''. I do not ask for a status- I ask for the account to be removed from my credit bureaus because my SSN isn't on the account! An hour plus on the phone and several phone investigations on XXXX, Capital One confirms the account isn't attached to me at all.
Consumer complaint received 2022-12-18
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. (TX)

In response to my previous dispute/complaint, XXXX claims to have sent me information stating they validated my account but did not. They claim that they have reviewed their records and verified they sent me the requested information, but they hve not. They did not notify me of the purchase of any account. They produced a letter in response to my last dispute, however, I never received this letter. When I sent my dispute to them, I sent it via XXXX XXXX and ca produce a XXXX  They can not, because they never sent anything. They claim the deb is from XXXX XXXX. I have XXXX XXXX XXXX accounts and have only ever had XXXX, which are all in good standing and never late. This account that they claim the have verified is mine, is not. They claim a contract was formed in XX/XX/2014 with XXXX XXXX, however this is untrue. I asked them to produce a copy of the contract with my signature and they told me that the will not and do not have to send a copy of the contract. They only thing they sent were XXXX bills which does not VALIDATE the account. This original creditor account they claim is mine, is not on any of my credit reports. XXXX has already removed the account because it was determined that it was not my account. They never sent all requested information. This is m last attempt to allo them to remove the account willingly. If they do not remove this account that is reported inaccurately and that has not been validated, I will seek legal counsel and file a lawsuit to include defamation of character and request that they are prosecuted t the fullest extent of the law.
Consumer complaint received 2022-06-04
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)

Dear credit reporting Agency I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open ACCOUNTS XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NE)

I have a promotional balance transfer balance of < {$5000.00} on my discover card which has a 0 % interest until from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I made a {$59.00} purchase using the same card which appeared on XX/XX/XXXX statement with an interest of {$0.00}. My XX/XX/XXXX statement minimum payment was {$97.00} due on XX/XX/XXXX. I paid {$150.00} on XX/XX/XXXX with the expectation that {$97.00} will be applied towards the promotional balance and the rest ( {$60.00} ) will be used to satisfy the new purchase balance {$59.00} + {$0.00} interest. I think that is how the payments were applied. But I continue to see a {$0.00} interest on my statement and talked to Discover customer service and was told that they will continue to charge the interest until I pay off the promotional balance completely.
Consumer complaint received 2022-06-04
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)

Dear credit reporting Agency I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open ACCOUNTS EDFED - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear credit reporting Agency I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open ACCOUNTS EDFED - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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: CLGF Holdco 1, LLC (FL)

Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : 1.ZERO OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS
Consumer complaint received 2024-04-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

FDIC case number- XXXX Below is a communication sent XX/XX/XXXX, sent in an attempt to follow-up a complaint made a couple of weeks ago. I received a call a few days later and was told that an investigation would be sent to the appropriate department personnel and they would follow up with me accordingly. 
Thank you for your prompt assistance. As you can imagine. I am frazzled and literally coming undone. I have endured ongoing fraud since about XXXX of XXXX. I have gone to court, and currently am awaiting a decision on an active case in which the company refuses to be located. 

Email sent XX/XX/XXXX : I don't know what is required to follow-up a complaint that I previously made to your system. I executed the guided steps and was not able to access my case updates. The banks have contacted me. I am scheduled to work with them to investigate the gross fraud occurring in my accounts as well as the unauthorized closure of XXXX of my accounts. 

Please contact me to assist with next steps to resolve my concerns and restore my account to whole. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

On XX/XX/2022, XXXX was sent to PHH Mortgage Services and was received on XX/XX/2022. No letter confirming receipt of XXXX was sent to Homeowner and no extension of the investigation was received or sent to Homeowner within 30 days. 

A XXXX XXXX  letter is currently in transit to PHH Mortgage Services. 

Additionally, several calls have been made to PHH Mortgage Services to try and resolve this matter and many have gone unresolved, and several call-backs promised have also not been completed by PHH mortgage XXXX 

Payment Errors : An insurance claim was filed with our insurance company back on XX/XX/2022. A check was issued for damages in the amount of {$11000.00}. This check was made payable to the homeowner and PHH Mortgage Services. As common practice, the check was endorsed and sent to PHH Mortgage Service for an additional endorsement. 

PHH Mortgage Services received and negotiated that payment on behalf of the homeowner. PHH Mortgage Services, in return, split the payment into two separate checks and mailed the payment to Homeowner. Check # XXXX issued on XX/XX/2022 for the amount of {$7700.00} and Check # XXXX issued on XX/XX/2022 for the amount of {$3700.00}. 
Check # XXXX was received and negotiated on behalf of Homeowner in the amount of {$3700.00} Check # XXXX was never received by Homeowner. PHH Mortgage services has since informed us that it has been negotiated on her behalf. This has been disputed several times, repeatedly by Homeowner. PHH Mortgage Services has refused any sort of resolution. 

Homeowner has given statements to PHH Mortgage to try and respolve this issue. PHH Mortgage representatives have urged Homeowner to file a dispute with PHH Mortgage 's Bank. The homeowner does not live in an area with access to the mortgage servicers bank, and furthermore, this seems to be an unconventional way to dispute a fraudulent action.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

XX/XX/20 closed the account. eight operators or more later from USAA all expressing different thoughts, a US XXXX  XXXX XXXX XXXX veteran trying to redeem my rewards back. I was informed I can not get the whole amount due to many different reasons depending on which operator I spoke to. I have XXXX  issues and hard time speaking. My daughter called and tried to help me, this company USAA claim to help the veteran be all about the veteran etc. etc. they are the worst company to help a veteran in this world. the interest rate was out of this world. they did nothing for me in years I had the card and upon closing wouldn't help redeem full value of redemption.
Consumer complaint received 2022-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

I have tried explaining to this creditor that I am not responsible for this balance and that it was charges made without my knowledge. They continue to state that I am still held accountable and obligated to pay the past due for {$2600.00}. The credit company name XXXX XXXX I have tried disputing it through that credit bureaus as well but they state that information matches so they can not remove it from my report. This defamation and fraudulent charges that I am apparently being held responsible for and it is not fair.
Consumer complaint received 2020-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (GA)

I was a member of XXXX XXXX gym and went to the gym on XX/XX/2019, to cancel my membership. They completed a Cancellation form on that date with effective cancellation date of XX/XX/2019. I was billed on my XXXX credit card on XX/XX/XXXX, and XX/XX/2019, for {$19.00} each month. I contacted ABC Financial Services whose name appeared on my credit card statement. They asked for my identification and location of the club and the basis for my dispute of the charges. They put me on hold and then hung up. I then contacted XXXX and provided a copy of the cancellation agreement. XXXX gave me credit for both of the charges. I receive calls at least weekly from ABC Financial Services, which I have found out is a third party billing and collection company service for a large number of health clubs and gyms. I have not gotten them to stop calling. I called today to XXXX and talked with XXXX. She claimed I still owe {$38.00}. She stated that the cancellation form XXXX XXXX developed and signed was not valid and that I must send notice certified mail. As noted, I went in person and asked what do I need to do to cancel my membership and complied.
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

Chase bank is illegally restricting my account after clearing a business check submitted by me. This is causing great stress and XXXX as they are returning my bill payments and my credibility is being challenged. I have tried speaking to customer service numerous times with no success this is illegal as nothing fraudulent occurred in my account. They lied about sending correspondence to inform me of any situation as I never got anything to inform me of any restriction on my account until my creditors began calling. 
Dear XXXX XXXX, A payment in the amount of {$390.00} that posted to the above-referenced XXXX XXXX XXXX account on XX/XX/2022 was returned. If additional payments are returned in the future, it may result in the closure of your account. 

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Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A dispute letter containing inaccurate information was sent to Transunion XX/XX/XXXX describing inaccurate information pertaining to Louisiana office of student loans. According to the FCRA they are supposed to contact me about the dispute. They received the dispute letter XX/XX/XXXX and never contacted about the items in question. They are in violation of the FCRA.