davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (TX)

This company is trying to collect {$110.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I have an account with Paypal and the email address for the account is XXXX On XX/XX/2020, I was surprised that the company took an amount of {$1100.00} from my account, claiming that this amount was due to the damages I suffered from my violation of the use agreement, while there was no dispute between me and anyone who transferred money to my benefit.But Paypal seized the money claiming that I violated the usage agreement while he did not raise any dispute that was adjudicated against me until it is proven that I violated the usage agreement. 

PayPal will claim that my account follows the PayPal Pte facility. Ltd. is the owner of the stored value facility PayPal, and does not require approval from the XXXX XXXX XXXX XXXX. It is affiliated with Singaporean law and is not affiliated with PayPal, which is based in XXXX. 

This is very misleading and Paypal uses it for XXXX reasons : First : Paypal did not obtain a permit from the XXXX XXXX XXXX to operate and a screenshot attached to a letter from the XXXX XXXX XXXX XXXX stating that PayPal is not registered with them. 

Second : The main PayPal site, which we deal with and through which the funds were taken, is owned by Paypal, which is based in XXXX, in the state of California - and it is known that the headquarters of Paypal in the state of California, and then PayPal site is a partner in the process of seizing money Therefore, PayPal does not have a permit or is registered in XXXX according to the Singaporean Monetary Law, and what PayPal publishes on its official website is misleading for clients that legal action must be taken against it. 

Second : The PayPal website, which is the interface for dealing with clients, belongs to Paypal, whose headquarters are in XXXX, and is therefore subject to XXXX law The XXXX XXXX XXXX must stand up for PayPal for wrongdoing what it does against customers.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

I have mortgage account with 53rd bank ( Litigation department : XXXX XXXX XXXX ). In XXXX, XXXX I have requested forbearance program due to COVID-19. Soon I have recovered and financials and requested the cancellation of forbearance program in XXXX. Ans I have paid two payments on XXXX and I am current since then. Recently I am applying another mortgage and I have asked 53rd bank to issue the completion letter several times by calling in from XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. They do not know even they have sent out the letter or not. Some agent in the bank said they have sent out. Also my new mortgage broker told me that 53rd bank did not report to Credit Bureau to remove the forbearance record which shows still my payment is " XXXX ''. The time is of essence because I have a deadline for new mortgage commitment date. 
I am in danger to loose my new mortgage loan opportunity if they take a action quickly.
Consumer complaint received 2020-08-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF THE WEST (AL)

I have an installment loan for a boat I purchased in XXXX. I sold the boat to another individual and therefore paid off the installment loan in full on Monday, XX/XX/XXXX. I called Bank of the West ( BOW ) that day to inquire on when I would receive the title and was told it would be mailed within 7 to 10 business days. I called the next week to inquire if it had been mailed and was told the lien was still not released yet. I called this bank probably 10 times so far since then ( each time waiting over 45 minutes to speak to someone ), I've escalated this issue to multiple managers/supervisors. Each time I call I am told something completely different and was straight lied to on multiple occasions being told " it will be mailed out today '' or " it's in processing and will go out tomorrow '' only to call back the next day and it still not be mailed. It is now XX/XX/XXXX and we have yet to receive the title for this boat that we sold over a month ago. I was even told to provide a XXXX  account number and they would overnight it to me, it was documented in the " work order '' and I have yet to receive any notification that the title has even been mailed out. This bank is NOT truthful to its customers and it's not following FDIC regulations regarding releasing titles after the lien is paid off in full.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've been trying to access my Transunion report for about a month or more now, and I do not have access, when before I did. Every time I call they said that the system is updating and I get the runarounds, I called again today and was given a number to try to fix the problem and the same thing. They said I need to pay for my subscription in order to get my own credit report when I was getting free before, I have requested through annual credit, and other free sources and all I get is " credit score unavailable '' I am in the process of purchasing a home and this has delayed the process. They are blaming the Government saying that they are the ones who have access to this report which we all know it's a lie. As a consumer, I have all the right to request my free credit report and for some reason, TRANSUNION will not comply. I have complained about this before and got a response that they will work on my complaint, but never heard any more from CFPB or The reporting agency.
Consumer complaint received 2022-05-15
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXXXXXX XXXX # XXXX XXXX  # XXXX XXXX/XXXX  # 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 2022-10-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I opened a savings account with Chase because I was starting a new job. I deposited my first paycheck of {$1700.00} on XX/XX/XXXX and I also transferred {$370.00} on XX/XX/XXXX from my XXXX to the same Chase savings account. 

My Chase Savings account was closed by Chase and I contacted their customer support. They told me that the check deposit was flag as fraudulent because they could not verify the maker of the check. They ask me to provide them a number that they can call to verify that my company was the maker of the check. I tried providing them a number, but they told me that number is not valid. They then told me to go to a local branch to get it resolved by showing them a copy of my paycheck. 

When I went to the local branch, I provided the agent with a copy of my paycheck and also a screen shot of my XXXX  to prove that it was my account. I thought the XXXX was verified but, I have not received the {$370.00} back. And again the agent told me that they need to have a number to call to verify the check. 

So then, I contacted my company 's payroll department and they told me that due to company policy, they do not allow external parties to contact them. However, they did provide me with official documentation to prove that they are the maker of the check. So I contacted Chase again, but they still telling me that I need to have a number that they can call or I have to go in to a local branch with someone from the company that can verify that they are the maker of the check...
Consumer complaint received 2020-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, XXXX  furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2020-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

I have a Zales Comenity store credit card opened on XX/XX/XXXX that was closed on XX/XX/XXXX. I also have a Children 's Place Comenity store credit card that was also closed on XX/XX/XXXX. That account was opened on XX/XX/XXXX. 

I made telephone attempts to reopen accounts being that they have been closed so soon. The lender 'Comenity ' cited that they can not reopen accounts closed by the bank. It is my understanding that Comenity is the lender and will not in good faith allow me to make a purchase since XX/XX/XXXX to reopen my accounts. 

Any advocacy to get me to use and keep these accounts would be greatly appreciated.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX i filed disputed with the credit bureaus im not why i have yet to received. please help me with this matter.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Tally Technologies (GA)

The following company Tally Technologies INC has listed there name on my XXXX credit report as a line of credit in the amount owing {$3400.00}. I tried to resolve this matter amicably with this company through use of Credit reporting agency and via certified mail directly to the company. As I have stated on numerous occasion, I am not the one who open this account. I have file police report and FTC identity theft report and sent to credit reporting agency. The information this company has is a misrepresentation of who i am, such as address, email, phone etc..I have no recollection of ever doing business with company. I have never even heard of Tally Technologies INC. However, they are listed on my credit report XXXX acct # XXXX as a line of credit.I am reaching out to the CFPB to assist me in resolving this matter.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NC)

On XX/XX/XXXX, I opened my Apple Wallet, which displayed XXXX due today, and submitted a split payment for my Apple Card between Apple Cash for XXXX and my bank account for XXXX. Approximately 2 hours later, I received a notification that my payment for the full original amount was processed, and upon opening Apple Wallet, a payment for the full amount was displayed as occurring 1 hour before my payment that had not been displayed previously. 

The automatic bank payment could not be canceled, but I was able to cancel the smaller second payment. The Apple Cash payment, however, was not visibly applied to my balance, even though I expected to see a positive balance of XXXX. 

Upon contacting Goldman Sachs support, I was informed that my Apple Cash payment was applied to the final installments in my installment series, and that a refund could not be issued. This may be a violation of 1026.11 ( which requires refunds of positive balances within 7 days ), and is a violation of the Credit Card Accountability, Responsibility, and Disclosure Act of 2009 ( CARD act ), specifically the requirements to apply payments to the highest interest balance first. 

I assert that the last-due installment payments ( approx 16 months at 0 % interest ) are a lower interest balance than the first-due installment payments ( less than 30 days before due ), as no rational customer would ever pay off a later-due installment when they could pay off a sooner-due installment, as one can always pay off a later-due installment at an earlier date, but can not pay off an earlier-due installment at a later date. Therefore, Goldman Sachs is in violation of the CARD act for failing to apply my payments above the minimum in the most consumer-friendly-fashion ( choosing to apply them to the lowest interest balances that I would never rationally pay first ) In addition, installment plans can reasonably be considered a separate " account '', as they can be paid off individually and are added in discrete units to the revolving credit account. Therefore, Goldman Sachs should not automatically apply payments to installments, and should hold them as a credit balance on the account to apply against the next payments, or to allow for a refund.
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act, the following account have violated my rights XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (NV)

The company XXXX XXXX XXXX ( ERC ) attempted to collect on an unvalid debt from XXXX for early termination fees that is over 10 years old. There was a class action suit filed in court in California against XXXX and the courts deemed it unlawful for them to charge these fees and as part of the settlement XXXX was to return money to consumers. ERC has placed this negative credit on my XXXX, XXXX and XXXX credit reports stating it is a valid and current debt, which is a lie! The have never contacted me because they don't even have my current address as I left the state of California 11 years ago. I disputed the report and they lied and falsely represented to XXXX this is current debt. ERC is not even part of XXXX they are an independent company that buys old debt, threatens and attempts to extort money from consumers. this website is one of many that shows complaints regarding this firm XXXX XXXX XXXX XXXX This company is lying and ruining my credit on 3 credit reporting agencies, please make them stop and clear my credit! 
Here is proof of the class action suit : XXXX XXXX XXXX California XXXX Early Termination Fee Class Action Settlement Class Eligibility If ( 1 ) you are the Account Holder and had a XXXX cellphone account for personal use, with a California area code and a California billing address, ( 2 ) you paid one or more XXXX flat-rate ETFs for an early contract termination that occurred on or after XX/XX/XXXX and on or before XX/XX/XXXX, or paid an ETF under a XXXX cellphone contract that was initiated on or after XX/XX/XXXX, and terminated on or before XX/XX/XXXX and ( 3 ) you submit a claim on or before XX/XX/XXXX, then you may be eligible to recover {$120.00} for each ETF you paid. 

Estimated Amount {$120.00} Proof of Purchase Cell # Claim Form Click Here to Complete your XXXX California Early Termination Fee Claim Form Case Name XXXX XXXX XXXX XXXX XXXX, Case No. XXXX Superior Court of California , County of XXXX Case Summary The settlement alleges that the ETFs XXXX charged to and collected from Class Members for terminated contracts during the class Period were unlawful under California law. The court was asked to prohibit the provided from charging ETFs In addition they requested the Court to refund to the members of the Class the ETFs that the Class Members had paid. 

Settlement Pool TBD Settlement Website XXXX California Early Termination Fee Class Action Settlement
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION ()

To whom it may concern, I ( as an XXXX  ) transferred a fund from my XXXX bank account in XXXX with the amount of XXXX USD to a company XXXX XXXX XXXX XXXX in the USA to its account in Capital One National Association bank on the XXXX. XX/XX/2020 and got confirmed the same day that the fund was transferred successfully. But after nearly two months later on the XXXX. XX/XX/2020 when I checked my XXXX account occasionally, I found Capital One Bank refund XXXXUSD and took XXXXUSD of my money without any reasons, which made me feel very shocked! I contacted XXXX immediately asking about the issue, but neither I nor XXXX was contacted or got a notice earlier by Capital One explaining why they made the refund and the missing XXXXUSD. And it doesn't make any sense that Capital One made a refund after 2 months! What Capital One did to me is not reasonable and already caused my incalculable loss for my investment, and I lost the opportunity of the investment forever because the project is closed at present. 
I tried to contact Capital One but failed. There is no way to submit such complaints online or by phone unless their own customers. 
So I have to make a complaint here.