davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Payments Check Services, Inc. (PA)

Telephone scammer trying to get people to give them their account number by impersonating a debt collector. The number is ‭+XXXX XXXX XXXX and they won't stop calling via robo call. 5 times a week usually. The plays a pre-recorded message, claiming to be "Global Payments Check Services".
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (FL)

AXOS bank is refusing to let me reset my password and give me instructions on pulling my funds from a business account. I've waited 5 days for a call back. The first time i was asked for a picture with my drivers license and a signed letter verifying this is my account to grant the password reset. 5 days later I am called by a person in XXXX telling me I now need to send a notarized letter. HOW CAN I NOT BE GRANTED ACCESS TO MY FUNDS WITHOUT TAKING ALL THIS TIME AND SENDING MULTIPLE LAYERS OF UNECESSARY VERIFICATION. Now I am being denied to pull my funds and can not get a competent banker to assist me further. WHERE IS MY MONEY
Consumer complaint received 2021-12-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TN)

On XXXX XXXX I was notified by my venmo account via email that my account had been suspended for violating my users conditions. I was informed to send a valid copy of my Identification. On XXXX XXXX I was refunded {$200.00} to my Venmo account from a moneypak merchant payment. I then proceeded to upload my valid proof of identification on XX/XX/year> so that I could access my funds and transfer them to my linked bank account. On XXXX XXXX the company emailed me that the paper copy of my driver 's license I sent could not be accepted because it was a paper copy and I needed to send a valid hard copy of my Identification to access my account and transfer my funds to my linked bank account. On XXXX XXXX I spoke with the customer service representative in reference to why my account had been frozen and they instructed me that they where not allowed to disclose that information at that time. They then informed that the only way I could access my funds was to submit the requested identification and I would have full access to all features on my account. The customer service representative sent me another email to upload my form of identity to on XX/XX/year>. I immediately successfully submitted a valid hard copy of my identity and was instructed they would get back with me once the details where reviewed. On XXXX XXXX the company email me that my account had been in violation of the users agreement and although I had sent the requested identification that my account was now permanently deactivated and they would no longer offer me their Venmo services. They then informed me that my remaining funds would be held for 180 days for loss prevention purposes and that they would contact me IF my funds where available. These are my funds and I have been overly patient as well I have provided all the necessary request documents and still am being withheld from my rightfully earned funds. I am now without my {$200.00} funds and unable to transfer my remaining balance to my linked bank account.
Consumer complaint received 2023-01-14
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX to an alleged fraud or extortion.
Consumer complaint received 2019-12-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper is unnecessarily dragging my Hardship application on Mortgage. I applied for hardship on XX/XX/2019 and today is XX/XX/2019 and still I don't see any kind of development. Mr Cooper on purpose is pausing my application and asking for new updates everyday, they should send me a list in the beginning of the application of Hardship letter where they will ask me in a channelize way how to provide my documentation to them. Everyday they are pin pointing on small things here and there, and i am totally frustrated. On the top of that my single point of contact " XXXX XXXX '' has gone on a holiday till XX/XX/2019. Here I am struggling to pay my Mortgage and Ms. XXXX has gone on a holiday, who will I contact for the next three days?
Consumer complaint received 2024-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AAA Collections (SD)

I never knew there was a a bill for XXXX of my daughters appointment from a XXXX XXXX in XXXX SD that come to the original clinic my daughter goes to And 7 months later a receive a call from triple A collections saying I owe money, so now they keep calling me but i would of know my daughter had a bill we wouldnt never let this happened
Consumer complaint received 2021-12-31
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: Experian Information Solutions Inc. (PA)

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted on my credit report immediately, I will be forced to contact a consumer rights Law Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( XXXX, Experian, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Consumer complaint received 2021-12-31
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: Experian Information Solutions Inc. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2024-04-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (CA)

A unfamiliar transaction showed in my transaction history recently from a company called XXXX XXXX XXXX XXXX I have no knowledge of this business. Multiple Unauthorized transactions where made to this business I have no knowledge of. Contacted cashapp to dispute and had no response. {$1900.00} was stolen from my account.
Consumer complaint received 2021-12-31
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: Santander Consumer USA Holdings Inc. (CA)

After trying to acceess a refund for overpayment on my car loan with Santander Consumer USA- I was mailed a prepaid 'debit ' or credit card for use with the left over balance shipped in two cards. The phone number and website is run by XXXX or XXXX XXXX XXXX XXXX XXXX XXXX. The issuing bank is XXXXXXXX XXXX XXXXXXXX. Despite spending hours across several days, I was unable to access the monies due to me as a refund. When I called today, I was put on hold and told to retry online over and over re-entering my routing number, personal bank account number to attempt to transfer the money to my account. When I tried to use the money online as a debit or credit. transaction it also failed I want my refund now. This is abusive to force someone into a refund in this manner with such a faulty and poor unfair customer service process. The person on the XXXX number was not helpful.
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (WA)

I notified Target in late 2020 that this credit card was opened without my knowledge or permission and reported it as fraud but I have yet to hear back from them. My now estranged wife had used my social security number behind my back to open multiple credit cards without my permission. She is a con artist / serial defrauder and I have had to file for divorce because of this. I have severely and maliciously been defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. XXXX and XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX ) has recognized that I was defrauded and has deleted their entries from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020 in regards to this fraud. I have also found out that there are 7 other police reports that detail her as the suspect of fraud / theft.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

I deposited a check to my credit union on XX/XX/24. The check was written out to me in the amount of XXXX from my attorney office XXXX XXXX XXXX on the check it has Wells Fargo logo. My bank states there is still a hold due to Wells Fargo not verifying funds yet. I am needing my money ASAP due to an emergency that has come up.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (FL)

I sent them a debt verification letter via Certified mail on XX/XX/ and gave them 30 days to respond and they never responded and they still have things negatively reported on my credit report. I tried disputing it on all 3 credit report companies prior to sending this letter, but it still stayed on so i sent them a debt verification letter and never received a response and its been after the 30 days of notification and still nothing... The letter was sent certified via XXXX, The so-called debt in question is in the amount of {$4200.00}.
Consumer complaint received 2021-12-31
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: Experian Information Solutions Inc. (VA)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2019-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION (TX)

Lobel Financial Corporation, located in California, is currently financing my car loan. A few months back, I was a victim of Identity Theft, due to my doctor 's office computer server was breached, and a lot of client 's information was compromised. That was the reason I was late a month on this loan. 

After that, they instructed to make payments using XXXX XXXX or XXXX XXXX, and I am not longer qualify to make payments using the company website until further notice. I spoke with one of the agents, and he told me this was a temporary situation, and I will be able to make payments online, the same way I was doing before my identity was compromised. 

I was trying to make a payment using the website, and once again, the system is not allowing me to do this. I called Lobel Financial Customer Service, and they told me that I am not longer able to make payments, probably for the rest of the life of the loan. The agent also told me that to make payment using the company website is a privilege and not a right. 

The primary situation is that I live in Texas, and the near office of Lobel is in XXXX, XXXX, or XXXX XXXX, and those offices are two to three hours away from my primary residence. 

I believe that Lobel is incurring an unfair practice and cause me a double penalty by forcing me to pay an extra fee to send the payment electronically. They not even a chance to reconsider or also appeal to any other authority in the loan department. Please advise me on what I can do.
Consumer complaint received 2023-01-14
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-31
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: EQUIFAX, INC. (CT)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-12-31
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. (CT)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-07-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

The debt owed is from a XXXX XXXX account. Jefferson Capital Systems , LLC owns the debt. The collections account was opened on my credit report on XX/XX/2019. I have been using straight talk or XXXX XXXX XXXX as a phone provider for over 5 years. This debt should not be on my credit report. I have received no information or account numbers from Jefferson Capital Systems that will allow me to review their claims to prove that I owe them for a debt. Every email I have received from Jefferson Capital doesn't provide me with any information or account numbers I can use to reference my debt. They send me links all of the time that wont allow me to make payments even if I wanted to pay this phony debt.
Consumer complaint received 2021-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

I, XXXX XXXX XXXX, am submitting this on my own behalf. 

Midlands Funding does not have my permission to contact me or use my information. This is my final notification to this company after repeated privacy violations. Additionally, this company has been notified via mail that the debts they are attempting to collect do not belong to me. This company has enough complaints that I assume that they are habitual rights violators. 

Starting with 15 USC 1692, this company has sent repeated notices stating they are collecting a debt : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and I demand that this company remove this information from my credit report, delete any of my personal data and only communicate with me to confirm that this has been removed from my reports. I do not owe this company anything and this debt is UNVALIDATED. 

XXXX XXXX XXXX XXXX This company does not have permission to communicate with anyone using my personal information, including the credit reporting agencies, I do not owe Midlands Funding. Delete this information from my reports. I have been a victim of identity theft in the past and this company using my information is no different. Stop harassing me and stop the calls.
Consumer complaint received 2021-12-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: First Technology Federal Credit Union (CA)

I have a 60-month CD ( Certificate of Deposit ) with First Tech Federal Credit Union XXXX I never agreed to roll over the CD once it matured, and did not receive a notice of " new terms '' that they claim they sent, but they rolled over my CD without my consent. They also refuse to provide the original contract, as requested, and deny the terms explicitly noted in an earlier correspondence with a First Tech rep. As a result, when I request to move my money to my savings, they want to impose a steep penalty. 

I have reached out to them multiple times, including going to the XXXX XXXX branch in person, but they don't have good intentions to honor their own terms of the original CD. The person I communicated with is XXXX XXXX, the Assistant Branch Manager, and the issue remains unsolved. I'm submitting the complaint so that you are aware of their practices and can push the Credit Union to do the right thing. 

Thank you!
Consumer complaint received 2021-07-03
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. (NJ)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b permissible purpose. I did not consent to, authorize, nor benefit from any of the following Chapter 7 Bankruptcy. The court does not report Bankruptcies to the bureaus. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX - XX/XX/XXXX, Chapter XXXX Bankruptcy - XX/XX/XXXX ( Reporting on XXXX, EQUIFAX and XXXX  )