davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-16
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 Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently received a copy of my credit report and notice a derogatory account for {$4600.00} that shouldn't be there. I disputed this account with all three credit bureaus by mail. On XX/XX/XXXX this account has been removed from my XXXX credit report as unverified but it still remains on my TransUnion report. After another dispute this account Still Remains I tried to explain to the representative at TransUnion that this account does not belong there and it has been removed from XXXX. The representative advise me that he cant remove it and stated this is TransUnion not XXXX. After another dispute I received the results on XX/XX/XXXX and this account is still on my report.
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I have a credit card with Chase I only used on business trips. They waived the annual fee in XXXX due to COVID. The card has not been used since XXXX to make personal purchases. In XXXX they again charged a membership fee {$85.00}. I totally forgot about this card since it hasn't been used and for every month they charged late fee of {$40.00} dollars + interest on membership fee. 

Why are they allowed to charge a late fee on membership fee only when the card is never used? 
How is this any different than stealing money? 

I was charged late fees for 6 months and they told me they could only waive fees for 3 months. This is absurd.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Experian keeps updating my credit report to show an address I have not lived at for almost 20 years on my credit report. Secondly, they have reported 20 different variations of my name. I have repeatedly provided documents to correct this matter however, the issue just keeps coming back.
Consumer complaint received 2021-07-31
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. (SC)

My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (IL)

Everytime i changed my passwords and user name my account was hacked online someone was trying to deposit checks from the state. After 2 times the hackers tried to deposit these checks wells fargo sent me a letter they were closing my account so my work checks wete sent back to my employers. It took me 14 days to get my checks because they were being returned necause they closed my account before tbe date they said. This was not my fault. Then the hackers got all my info and tried to open credit cards in my name
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (VA)

I have contracted internet services with XXXX since XXXX. The services received were standard and exclusive for low-income families ( {$10.00} per month ). In XXXX, XXXX continued to bill my account for premium services that were not offered nor being used through their services ( XXXX ). 

I disputed this information but was unsuccessful in getting reimbursed. I continued to pay my bill online. After a while, my discontentment grew, and decided to cancel all services with this company ( XX/XX/XXXX ). The company failed to provide or mail any bill to the address on file after internet services were canceled. Instead, continued to send electronic bills to an app no longer active on my phone. 

Recently, a negative change in my credit report made my scores dropped and greatly impacted my ability to qualify for credit. The said XXXX account, had been sold to a collection agency, Credit Management. The account is showing on all credit bureaus as an active collection.
Consumer complaint received 2021-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I am XXXX  of a startup of XXXX established in XXXX, 2021 and have been using Paypal as their main payment option for providing XXXX XXXX XXXX abroad from XXXX. 
In 1.5 years of our XXXX  we have done total business of around XXXX USD from Paypal and around XXXX USD from all payment options. 
There have been 513 total transactions in this time period and very less disputes which got resolved successfully out of which many were fake disputes done by scammers. 

We help financially weak students in XXXX, XXXX countries and XXXX XXXX get good & cheap education from our academic rich experts who provide them online class support. 

Today I got an email stating my paypal id is permanent closed for violation of any norms but I can assure you with all my dignity that we never do anything which is unethical neither there have been any dispute or false activity done from our side. I think there have been some mistake from Paypal automated system which closed our account. 

We comply with all the government norms of our country, regularly pay taxes and have GST and all required and approved documents for running the business. We are ready to resolve the issue if there is some issue from our end to get this ban lifted.
Consumer complaint received 2021-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (GA)

This has been a problem since the loan began : 1. ) They repeatedly call me 5-6 or more times a day, every 3 hours, if I go beyond 10 days late.

2. ) At the 10th day, they charge an excessive {$70.00} late fee on the loan 3. ) In their effort to humiliate/harass you if you are late, they actually cut off access to using their online bill pay service. Because they receive pleasure in humiliating/threatening/harassing you over the phone.

4. ) If you give them no exact time table when you can pay before the 30 day late grace period, they keep calling you repeatedly.

I'm actively working on credit repair. I CAN NOT WAIT to refi my car loan elsewhere and get away from this abusive company. This activity should be something that is ILLEGAL!!
Consumer complaint received 2021-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Oklahoma Student Loan Authority (IL)

I received my new disclosure and was Approved by case teams a Second Time.

The school and the Servicer is still refusing to give me my loan even after it was approved again this Friday. They are illegally denying me my federal aid under federal aid programs after, receiving my 2nd Approval again.
Consumer complaint received 2021-07-31
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: JPMORGAN CHASE & CO. (CT)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I applied to SBA for the PPP loan on or around XXXX of this year. I was approved by the SBA and had my funds sent to my Capital One Bank in the beginning of XXXX. For some reason, Capital One Bank said that they were not allowed to distribute the funds and I needed to contact SBA. I contacted SBA and they had no clue to what Capital One Bank was claiming. SBA verified my approval and the funds sent to Capital One Bank. I relayed the information to Capital One Bank and to this day Capital One Bank refuses to release my funds. The last conversation I had with Capital One Bank was that they were going to send the funds back to the lender. It has been over two weeks and they have yet to do so. I am responsible for paying back a loan that has nothing to do with Capital One Bank and is not in my possession. I have had several conversations with many representatives from Capital One Bank and requested their actions in writing. They have yet to send me anything.
Consumer complaint received 2022-12-17
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 — Their investigation did not fix an error on your report
Company: Consumer Adjustment Company Incorporated (FL)

On XX/XX/17 a second dispute was completed on a collection showing on my XXXX credit report. The institution that has filed the claim. Is not an accredited business with the XXXX, you can not get any documentation from the company to verify the information. At no time did I enter into any agreement or accept the amount being filed against me. I have no letters, voice mails, missed calls, emails, text etc. to verify they even tried making contact with me prior. Complete fraudulent and false information.
Consumer complaint received 2021-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

I received a couple mailed notices and emails stating that they required a physical address to not have my account restricted. Today XX/XX/2021 I contact Capital One only to be xferred 5 times and told without them being able to get a copy of my drivers license they would not be able to update my address or phone number. I will not provide them with my drivers license as they already have all of my personal information. I was not able to use my card at the store as it declined due to me not giving them the physical address that they state is a requirement of the federal government.
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I paid for a XXXX XXXX  with XXXX XXXX ( XXXX XXXX XXXX XXXX ) that covered any evictions and other fees up to {$3000.00} dollars. 
Once evicted from XXXX Apartment Homes ( XXXX XXXX XXXX XXXX ) in XXXX my final statement/cost owed was {$2800.00}. XXXX XXXX should have paid that to XXXX but now National Credit Systems is reporting to all credit bureaus that I still owe {$2800.00} to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) which is untrue because my XXXX XXXX  covered upto {$3000.00}. 

Also, NCS stated in a letter after an my attorney disputed information in XXXX, that the original creditor is Sure Deposit and not XXXX XXXX XXXX XXXX  XXXX XXXX. - attached I have attached my final statement from XXXX and also XXXX XXXX information and the eviction dismissal with no fines owed.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Due to the pandemic, my business revenue fell to nearly zero early and mid 2020. I contacted all creditors to make payment arrangements. During this time the Cares Act obligated creditors to report accounts as current ( or not to report any delinquency ) during the pandemic as long as I was in touch and worked out arrangements. Which I did with all creditors. However, three creditors DID report delinquent payments on my XXXX  and XXXX  credit reports, significantly impacting my rating and score.

These three creditors include XXXX, Discover, and XXXX XXXX. When I found this out I disputed the incorrect data directly with XXXX  and XXXX. They did not take any action to correct it. Then I contacted each one of the credit card companies to ask directly to correct these mistakes and NONE of them have gotten back to me. They have not even responded on way or the other. This has been over the past few weeks. I have not received any letters or emails with a resolution. Since conversations about this were by phone, I do not have any documentation directly from the credit card companies other than the data from them my XXXX  and XXXX  credit reports. 

Specifically, XXXX reported me 30 days past due on XX/XX/2020 on both XXXX  and XXXX. Discover reported me past due on XX/XX/2020 on both reports. XXXX XXXX was the worst, they reported me XXXX past due for three months in a row : XX/XX/2020, XX/XX/2020, and XX/XX/2020 on both reports. My XXXX  report is correct and shows no erroneous reporting.
Consumer complaint received 2019-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have a debt collector saying I owe a debt on an old credit card. I called the credit card company and they show there is not amount owed or charged off to debt collector. This happend on XX/XX/2019. They say there company is called XXXX XXXX XXXX XXXX. When I call them back they put me on hold and it goes to voicemail.
Consumer complaint received 2022-01-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (WI)

I have received vehicle financing for a XXXX XXXX XXXX back in XX/XX/XXXX, within a few weeks of driving home with the vehicle, the car has a mechanical breakdown, after about a month of checking in with the repair shop and XXXX XXXX, the repair shop stated it would be about {$800.00} to take the car home but severe engine issues needed to be repaired asap, I was given an estimate close to {$6000.00}. Due to not having enough to repair the vehicle, I told the vehicle financer that I wanted to do a self surrender, they agreed to but because I lived in WI, they have to send a notice for me to sign Andi have to mail it back to them. I was not given the notice and the financer arranged to have the car picked up, after months of trying to negotiate with the lender about the car was not legally self surrendered because of the signed notice requirement. They told me that I can have the car back just pay the back months and repossession charge it which I couldnt afford at the time, they do charged me for an additional month when the car was in their possession, not to mention by law what they did was illegal in state of Wisconsin, stated by the DMV requires the notice and anyone who is facing a repossession has to have a chance to avoid it and come up to terms. 

In addition to this I constantly told this company to update the SSN on the account because it was inaccurate, they have not updated the number even when I sent documents. 

I complained over and over about the service, I have been treated unfair by this company and it's representatives, they are rude and disorganized that no one is on the same page, the executive office says one thing but the repossession team does not take orders from them
Consumer complaint received 2021-07-31
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-07-31
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-07-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc. (AL)

on XX/XX/2021, i sent DESIGNED RECIEVABLE SOLUTIONS, INC 5 letters for the alleged balances of : {>= $1,000,000}, and XXXX that i don't owe. I have never had any communication with them.I asked them for the validity of the debt but never receive anything thus far. I sent the letters off USPS certified mail w/tracking # XXXX on XX/XX/2021
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NJ)

Last year I received a promotional flyer from TD bank in my mailbox. This promotion was a bout a welcome offer bonus of {$300.00} dollar, when you met the following requirements : XXXX XXXX XXXX XXXX Checking account. 
XXXX. Get paid by Direct deposit at least {$2.00} within 60 days of the account opening. 
I went to the TD branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX, ( XXXX ) XXXX. 
Showed up with the promotional flyer and my personal documentation to procced the with account opening, when I got at the branch, I spoke with the BRANCH MANAGER AND THE BANKER who helped me through the process mentioned me, that I was good to open the account and get the promotion if I met the mentioned requirements. 
I opened the account on XX/XX/2022 and I got the first direct deposit FROM XXXX XXXX PAYROLL on XX/XX/2022. 
Today is XXXX, and the welcome offer they promised me isnt received yet. 
I contacted TD customer service by secured messages since XX/XX/XXXX, explained the situation and theyre just going back and forth with me. What their saying is that their promotional department couldnt find my promotion. I am so upset at this point, is not fair because I am a customer like any other TD customer, I meet all requirements and I deserve the same benefits even more because I had the promotional flyer. 
I demand TD bank an answer as soon as possible, why I must refer this to the CFPB instead of just receive the benefit automatically like all your other customers.