davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/2020 I canceled a subscription with XXXX for a recurring gold 6 month subscription for {$69.00}. I noticed where my checking account with Regions had been debited for {$69.00} on XX/XX/2020. I reached out to the merchant the morning of XX/XX/XXXX approximately XXXX ( company website stated it was open 24 hrs/ 7 days a week, however company is not ) and spoke to XXXX and asked why my account was debited when the subscription was canceled on XX/XX/2020. XXXX stated that the subscription was canceled on XX/XX/XXXX @ XXXX, Canceled by the company XX/XX/XXXX @ XXXX, and Renewed on XX/XX/XXXX @ XXXX. I explained to XXXX that I had not renewed this account. I asked to speak to a manager, and spoke with XXXX who stated the billing dept will contact me within 24-48hrs, which they never did. I contacted my bank Regions on XX/XX/2020 to dispute the transaction. The bank policy is the transaction can not be disputed until it actually post to my account, which it actually posted on the XX/XX/XXXX. I was given a claim # and proceeded to wait for my back to contact me. On Friday XX/XX/2020 I made a appointment to meet with someone from the bank to discuss my account and I was told I could be assisted without coming into the branch by phone. I do not have the name of the person I spoke with, but I provided them with the information above and was told this information would be added to my claim. On today I made a appointment again to meet with a branch representative to discuss my claim again only to be told my claim had been denied because there was no proof of cancellation. I told the pweson I spoke with that I did not have a confirmation number, but did have a screenshot from my phone stating the transaction had been cancelled. She provided me with a email address and stated she would submit the information and request the case be back open. At this point I am very disappointed with the level of customer service I have received from Regions. Even after contacting the merchant and contacting my bank for assistance I am still out of {$69.00}. I am not satisfied and want assistance with resolving this issue asap.
Consumer complaint received 2021-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (MA)

I have two checking and savings accounts with XXXX XXXX. One is a personal account and the other is a joint account with my son who was XXXX years old when we opened the account together. I generally do most of my banking online. On XX/XX/2021 when I was checking my account online, I noticed that {$4000.00} was taking from our joint account. I was shocked. This never happened before. I waited for my son to come home to find out what happened. He said he doesn't know anything about it.. The next day when the bank was open we went to the bank and told them what has happened. They started their investigation and the bank transferred remaining money from the joint account to my personal account. The next day when I was checking my account I noticed this time ( 3 ) {$2900.00} and ( 1 ) {$290.00} was taken from my personal account. We immediately went back to the bank and told them what happened. This time they closed both accounts and opened two new accounts. One in my name and the other in my son 's name. The bank did their investigations and came to the conclusion that this was a fraud case and deposited the money back to our new accounts. The new accounts were opened on XX/XX/2021. 
When we received the first notice of collection from TRS Recovery Services, we reported to the local police department and the bank. The police opened a Bank Account Fraud Case for investigation. 

I responded to TRS 's first notice via a registered mail on XX/XX/2021 indicating that this is a Fraud case and there is a police case on it, but they are still sending us second notices threatening to destroy my credit and lock my future borrowing and financial activities. 

Please help me by asking TRS Recovery Services to stop sending me threatening letters and trying to destroy my reputation.
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (CO)

For several months, I have been trying to refinance my vehicle with the initial promise of being able to refinance within 6 months of purchase - regardless of credit score. Even with a cosigner with excellent credit, I have been denied all attempts to refinance the car. The lender is making it impossible for me to be able to make my payments, because they are having me go to XX/XX/11 locations to make cash payments directly to XX/XX/11 to complete the payment to the lender, a hassle in and of itself. Additionally, facing hardship due to my service-related XXXX that have caused me not to be able to attain secure employment. These service-connected XXXX are causing me to currently be in-process of being declared 100 % XXXX and unemployable through the VA. The dealer made false promises to me, saying that I would be able to refinance within six months, that has certainly not been the case. It has been virtually impossible to get out of debt with this vehicle without negatively affecting my credit since the interest rate of an obscene 21.5 %. On top of everything else in paying for the car, XXXX XXXX XXXX XXXX has repeatedly called me from multiple numbers after I have explicitly told them to stop calling about payments, and I make payments as I am able to make payments. They have continued to harass and call at all times of day, including the middle of the night. All of those things combined - false promises being made and then not followed through on, being unable to refinance even with a cosigner with great credit, being unable to achieve gainful employment due to my VA XXXX status, and phone call harassment, this has become a nightmare.
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

Hello, Im shocked, surprised, stressed out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2018-05-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TCF NATIONAL BANK (FL)

In XX/XX/XXXX three luxury cars were purchased without my consent, using my information as well as falsified documents. I reported the incident to the original lender and ( at personal expense ) had the vehicles that were purchased using my information returned to the dealership from which they were purchased on a flat bed truck. I explained the situation to the dealership owner and numerous staff members, none of whom assisted me. I filed a police report with the XXXX Police Department Economic Crimes Unit. I answered countless questions and spent hours on the phone talking to these banks daily. I have disputed these debts numerous times with all three credit bureaus and will continue to do so until the situation is resolved. One lender responded to the situation and forced the dealer to buy back the vehicle involved in their transaction, in XX/XX/XXXX. At this point in time the lenders have recovered the two remaining cars and have sold them at auction. They and their collection agencies have been harassing me since XX/XX/XXXX. I have made every attempt within reason to cooperate with the lenders, but the fact remains that the lenders continue to make my life difficult. Not only has this incident ruined my credit, but I have spent countless hours on phone calls that happen, at all hours of the day. I have gotten calls as early as XXXX and as late as XXXX. The lenders ( XXXX XXXX XXXX XXXX XXXXXXXX in particular ) have searched my XXXX  account, contacted me at work, spoken to my employees, and even to my clients. Not to be outdone, XXXX XXXX 's collection agency has not been any better. They recently somehow found out I was working as a XXXX  at a local XXXX XXXX XXXX and called the store, asking one of my employees, an XXXX year old girl, if she knew anything about the situation. I was SHOCKED. On my most recent conversation with XXXX XXXX 's collection agency, after being harassed for nearly two years, I explained my story once again, I explain the financial difficulty identity theft has put me through and I asked if, in the interest of putting this behind me and removing the stain from my credit report so that I could afford to go to XXXX  school, they would consider removing this debt from my name if I gave the the little money I did have saved as payment in full for the fraudulent debt, along with my tax returns, the police report information I filed, and bank account statements to validate my story to them. I was told that I would hear back from the representative the following day. I received a phone call from a man who claimed to be his manager about an hour later cursing at me and telling me that he was sure based upon the searches they had done about me online they believe I can and should afford to pay much more than that. He actually had the audacity to suggest that I would somehow go to jail for not paying them in full that day.
Consumer complaint received 2021-10-17
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: AR Resources, Inc. (FL)

XX/XX/XXXXI mailed a certified dispute letter to AR RESOURCES INC and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 150 complaints on XXXX they also have many complaints with the CFPB.
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hereby I XXXX XXXX XXXX XXXX, I am writing to this bank and the fraud department to issue a claim or to reopen the following claims : ID : XXXX ID : XXXX ID : XXXX said claims were opened for fraud committed With my debit card which my wallet was lost and then it appeared after that incident, the crimes on my account were committed, please, I need you to investigate and help me with the claims since I lost my money from my gutter and I had no other More than that the claims were closed, I need help to get my money back.
Consumer complaint received 2021-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

Dear Sir/Madam I live in XXXX NJ . Some fraudster in Michigan ordered a shoe from XXXX through paypal just using my email address and shipping the shoe to some abandoned home in Michigan. The order emptied my paypal balance of {$230.00} and further took {$180.00} from my XXXX checking account. I immediately disconnected my bank account from my paypal account. 

I filed a dispute to both Paypal and XXXX. XXXX refunded {$180.00} and closed the case. 

All paypal needs to do is pay back {$230.00}. When I login to my paypal account it shows that I owe {$410.00} to paypal. They placed it in collections and threatened to report it to the credit bureau unless I pay it back. I have a perfect credit score and don't want that to be affected. 

I spoke to four agents at Paypal, they are asking me to pay back {$410.00} to them first. Anyway, after escalation, we found that Paypal refunded {$410.00} to my bank account ( even though I delinked the bank account due to the fraud incident. ) and says that I owe them {$410.00}.
Consumer complaint received 2022-12-28
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I went to XXXXXXXX XXXX XXXX  ( XXXXXXXX XXXX ) into test drive a XXXX XXXX. I already had XXXX XXXX XXXX XXXX approval. However the sales person specifically stated they can pull my XXXX application & have the funds sent directly over so I don't have to go to the branch to sign or pick up documents and the check. He asked for my information for the buyers order. However I get 6 credit alerts and a manager coming out to tell me it was a mistake and oh well nothing they're doing about it. Called back after no one contacted me after I requested it on XX/XX/2022, spoke to the person below the XXXX, however he said OH WELL, deal with it. I want the inquiries from XX/XX/2022 removed. I received the following XXXXXXXX XXXX XXXX, Capital One, & XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-16
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: Kelsting Group, Inc. (CA)

I defaulted on an auto loan with XXXX XXXX and its been sitting on my credit report for the last 4yrs. Its been charged off. However, another agency, Pacific Credit has been reporting this default as their own. So I have XXXX reporting XXXX and PC reporting XXXX plus accruals. This makes it seems as though I am in more debt than I am and that I have defaulted on two loans instead of the one. Unaware of its origin I disputed the account and as a result PC has now placed their account in active collection reflecting that I am currently XXXX days late when I have had no contact or made no arrangements with them!
Consumer complaint received 2020-03-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

on the XX/XX/20, two transactions were processed to transfer funds totalling XXXX US dollars, these funds were suppose to be available on the XX/XX/20 on the respective account. however they have not been transferred and i have been debited the amount. ive tried contacting the bank, with no assistance or response.
Consumer complaint received 2020-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

Dear CFPB. I am sending copy of Closing Disclosure.Finaly i found., This CD are the rules to respect borrower and me.Could you show me LOANCARE where is point that I have to pay monthly escrow account? Why you do not respect this rules and accuse me of non payment for three months. 
So if there is no rules about monthly payment i can pay semiannualy or annualy no doubt about that.So please cancel all charges against me and please cancel " prepayment penalty '' on your statement.THIS IS THE LAW.
Consumer complaint received 2021-10-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Trying to get a hold of fifth third bank, regarding about the early access plan I had years ago with them I owe XXXX I have been trying to reach out to get this payment settled & removed from my credit. I keep getting the run around I have called 2 collection companies and fifth third itself. Proof is that XXXX XXXX has my number and the times Ive called in there system as of XXXX XXXX I sent letter regarding a pay for delete and was ignored.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have requested multiple times for multiple entries on all three reporting agencies to be corrected. Not only have they not, but they now refuse to allow me access to my own files. 

I sent all three a letter through the USPS with copies of my passport ; license and passport card. They still refuse. 

Please require all three of them to immediately send me paper reports, and do whatever has to be done to allow me online access. This was in my written request, which they have ignored,
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting 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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.