davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
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: EQUIFAX, INC. (NC)

I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2020-06-09
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. (NC)

I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paypal Holdings, Inc (MD)

On Thursday, XX/XX/2019, I used my XXXX card issued by XXXX XXXX XXXX for the online purchase of clothing from the merchant XXXX XXXX. The amount of the purchase was {$150.00}. Immediately after purchase, I noticed I had ordered two of the same items twice. I emailed XXXX customer service and informed them to remove both duplicate items and refund me accordingly. Upon delivery, I noticed both items where indeed removed from the order, however, no refund was granted only store credit which is unacceptable. I filed a dispute with XXXX for items missing. Secondly, every other item was entirely too small and not the size advertised. On XX/XX/2019, I returned the entire order back to the merchant via XXXX the delivery confirmation number is XXXX. The package was accepted by XXXX so the refund request was attempted, however, unsuccessful. I received an email from the merchant indicating that a Paypal dispute case was opened by XXXX preventing the refund. I have no idea why the bank decided to involve Paypal by attempting to act as a debt collector, however, I did contact Paypal personally and informed them that my debt to them was resolved through bankruptcy. I provided them all supporting documentation. At that point, Paypal has restored my account, however, I'm still routed to collections every time I reach out to them on the status of the claim. To this day, I have not received a refund and all communications with the XXXX as well as Paypal are unresponsive. The merchant is blocked from refunding me as promised, Paypal is not entitled to collect on the debt, and I am out of {$150.00} by XXXX 's decision.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC is trying to collect on an unknown debt for XXXX XXXX XXXX in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus. No one has provided an original signed contract or any identifying documents such as my ID. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (LA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-30
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. (NY)

i am filing this complaint because XXXX, transunion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (AZ)

Conn 's rep called 4 times per day even after I paid the bill Conn 's is known to charge you {$2000.00} and actually report you owe {$4000.00} on furniture Harrassed me at my job
Consumer complaint received 2020-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (OH)

On XX/XX/2020 a letter from XXXX XXXX XXXX XXXX was mailed to me with a claim that I owed a total of {$2900.00} for a Citibank credit card that I have never owned. 

I contacted XXXX XXXX XXXX on Thursday, XX/XX/2020 to dispute the charge and was informed that I should contact Citibank directly because that is where the account originated. 

I contacted Citibank on Monday, XX/XX/XXXX to trace the alleged credit account and was informed that there was no record of me having an account. 

Please inform me of next steps! 
XXXX XXXX
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2019 I became aware that a PayPal Credit Account was opened and used with my personal information at once I contacted the Bank `` Synchrony Bank '' to report the fraudulently opened account. A week later I received a fraud affidavit form and I then completed its entirety mailed it back to Synchrony On XX/XX/2019 I received a telephone call regarding the complaint the investigator mentioned various transaction which was fraudulent. 
On XX/XX/2019 I received a letter denying my fraud claim for, 1 ) Customer failed to cooperate with reasonable investigation 2 ) Customer released account information to a third party 3 ) Customer accepts responsibility for the charges All of which are not True I have made numerous efforts to get the fraud claim resolved.
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I reported 2 fraud charges on XX/XX/19 for XXXX XXXX and I've received no credit as of XX/XX/19. They shut off 2 debit cards and left me without. I spoke with XXXX, supv who refused to give me her ID. I n ed ver received temp or perm credit. I got email saying I got letter but received no letter. It is taking 3 calls and an hour to place ridiculous.
Consumer complaint received 2019-12-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (OH)

I contacted Ally Financial Auto Leasing twice before turning in my leased vehicle. I wanted information on how to turn it in early and what the cost would be. I was given all the info I needed and was given a payout cost, which was satisfactory to me. On XX/XX/2019, I turned in the vehicle to a local dealership. As I was turning in the car, I was on the phone with an Ally representative. The representative again told me exactly what to do, then she talked with the salesman and a manager to get some necessary information from them. I signed the odometer statement, per her instructions, and gave over the keys to the dealer. Since that day, I have received multiple calls from Ally bank claiming I was past due on payments. I called them back, multiple times, entered into an online chat, and sent them emails, trying to rectify the situation. Each time I contacted them they claimed they didn't know I was turning in the vehicle, claimed they didn't have any information about the dealer I turned it in to, and claimed I was past due on my payments. Today, XX/XX/XXXX, I called them yet again ( I believe for the 7th time ) to try and get this situation rectified. I asked for a supervisor, waited on hold, then talked with a supervisor. He said that he couldn't help me and that I had to talk a different department. He transferred me, I was on hold for 15 minutes or so, then the new department picked up. Less than a minute into the conversation she hung up on me - no one called back. 

After 30 days, seven phone calls, one lengthy online chat, and a couple emails, Ally still hasn't picked up the car I turned in. I did everything they asked and gave them answers to all of their repeated questions, yet still they haven't picked up the car and closed my account. I'm concerned my credit rating will be affected since they keep claiming that I haven't turned the car in and that I am behind in my payments. All they need to do is what they originally promised : They need to pick up the vehicle and send me a bill for the residual owed amount. I have no idea how to get them to do this.
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC. (FL)

I deposited {$6500.00} XX/XX/XXXX at sun trust bank, XXXX XXXX, XXXX, Florida XXXX, XXXX, they said my money would be available in 7 days, on XX/XX/XXXX, I tried to log into my acct and I couldnt, I called them and they said the acct was being closed, and they would mail the money to me in 10 to 14 days, the checks had cleared both business acct that checks were written on, but they wouldnt refund my money directly, Im a XXXX year old man trying to relocate to XXXX from XXXX, I find this very disturbing as well as financially uncomfortable, the bankers name is XXXX XXXX, also XXXX XXXX at another branch location, upon talking to bank regulators in XXXX and XXXX XXXX I found out, similar complaints were not uncommon, as these where the states I had to call to try to get some action on my predicament, I find this action unbelievable to be allowed in our banking systems, any and all assistance would be greatly appreciated, respectfully, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keith D. Weiner & Associates Co., L.P.A. (PA)

Starting from the top. I registered for classes at XXXX XXXX XXXX University for the fall of XX/XX/XXXX, tuition and fees came to approx. {$2700.00}. I paid the school and for some administrative/clerical reason I was given a refund check and now owed a balance. I never signed up for a loan. Fast Forward my debt ballooned to approx. {$4000.00} by XX/XX/XXXX. I am giving approx. amounts because the Ohio States Attorney General has placed a hold on my records, and I have not been able to access my original statements from XXXX ( currently waiting to see if my request filed XX/XX/XXXX will be accepted ). Fast forward again to XX/XX/XXXX. After multiple moves including one out of state, I contact Wiener Law and Associates after receiving a notice ( can not remember date ) that my debt was given to them, and now has a balance of over {$7100.00}. I reached out to them to see if we could come to a reasonable settlement amount, and I made the mistake of telling them I needed my records released to continue my education. I was instructed by representative XXXX XXXX ( she has been my contact person throughout this process ) to send an email with an offer to begin negotiations. I sent an email on XX/XX/XXXX offering a {$1000.00} lump sum to settle the matter thinking that starting low would give me some room to work with. After not hearing back I reached out multiple times waiting on a response to continue negotiations, I finally got a response and I was told by XXXX XXXX that the lowest number they could accept was {$5800.00} and she continued to tell me that XXXX told them this is the only amount they would accept and that I had until XX/XX/XXXX to accept or the offer expires. I then made multiple calls to XXXX and the Ohio State attorney general 's office. I was making these calls to circumvent having to deal with this collection agency that has gotten terrible reviews online and is not negotiating in good faith. But I got the run around and basically was told that I had to deal with them. On XX/XX/XXXX after multiple calls to the Ohio State AG office demanding records of my account, I was finally told by staff that no one from Wiener Law contacted them about my account, nor was a {$5800.00} minimum amount given. I called Wiener Law on XX/XX/XXXX in another attempt to continue reasonable negotiations but was told by XXXX XXXX that she will not continue talking with me because I mentioned a lawyer and she hung up so here I am today, contacting you to see if you can assist me. I still have not received my original statements from XXXX nor any information on who was heading my account leading up to it going to the OH AG.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

I am writing to address the ongoing dispute regarding the XXXX  fees incurred on account ending in XXXX, as outlined in your recent letter. It is imperative that I bring to your attention the inaccuracies and discriminatory practices evident in your response. 

First and foremost, I must emphasize that the XXXX  fees in question were wrongfully charged due to TD Bank 's failure to protect the account holder. 

Despite assurances from your fraud department that we would not be held responsible for the disputed transactions, TD Bank continued to allow XXXX  fees to accrue. It is evident that the negligence of TD Bank, particularly in allowing fraudulent mobile deposits, directly led to the accumulation of these fees. 

Moreover, it is deeply troubling that despite providing evidence and assurances from TD Bank representatives, including the local branch manager and the fraud department, that we would not be held accountable for these fees, you persist in targeting us for payment. This persistence, in the face of documented assurances, raises serious concerns about TD Bank 's discriminatory practices. 

Furthermore, the assertion that legitimate charges for streaming services and XXXX transactions should result in XXXX  fees is unfounded and demonstrates a lack of understanding of the situation. These charges only add up to be {$110.00} dollars during the time the fraudulent mobile deposits were issued and should not have resulted in additional fees in excess of {$630.00}, particularly when they occurred during fraudulent activity that TD Bank failed to prevent. 

It is abundantly clear that TD Bank 's actions have caused significant financial hardship and reputational damage to my sister and me. We demand an immediate refund of the erroneous XXXX  fees totaling {$630.00}, along with the removal of these charges from the account balance to reflect the correct amount owed. 

Additionally, I must express my dismay at the racial targeting evident in TD Bank 's handling of this matter. The continued insistence on holding us responsible for fees that are clearly not our fault, despite assurances to the contrary, is unacceptable and can not be overlooked. 

We expect TD Bank to honor its commitment to excellence in customer service and rectify this situation promptly. Failure to do so will leave us with no choice but to escalate this matter further. 

I urge you to review the facts presented and take immediate action to resolve this dispute in a fair and equitable manner. 

Thank you for your prompt attention to this urgent matter. 

Sincerely
Consumer complaint received 2023-11-27
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. (GA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2019-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with Bank of America the past, but they have failed to give me a fair solution to my issue. I have a Bank of Americar account, America XXXX. Opened : XX/XX/XXXX. Limit : {$3600.00}. Balance {$0.00}. Status : Closed. Bank of America has been reporting incorrect information to the credit bureaus. 

This company has failed have failed to provide me with an answer to my letter sent back on XXXX XX/XX/XXXX. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. As of today, the account is not under investigation since they did not remarked it as disputed. This is a violation to the FCRA.

They are being Unfair and Negligent. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This account is related to fraud and they are still reporting it. 

This is affecting me physically and mentally and I want a fair solution to this issue. I am demanding a deletion letter from Bank of America and I want them to stop collection activity on this account. If they dont provide me with the deletion letter that I am demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up.

Thanks to whomever reads my complaint. See attached documents sent to Bank of America, which they ignored.
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/2019 I received notice from my prior mortgage servicer that my loan was being transferred to Shellpoint Mortgage Servicing ( " Shellpoint '' ) effective XX/XX/2019 and payments should be accepted by Shellpoint on or after XX/XX/2019 ( the " Notice '' ). The Notice from my prior servicer did not contain a new loan number, but rather referenced Shellpoint 's customer servicer phone number and address. Since such time of receipt the Notice, I have attempted to email and call Shellpoint approximately 20 times to locate an account number to process my mortgage payments. Many times I wait on hold for longer than 10 minutes, and have no success in obtaining an account number, being identified as a customer or successfully being escalated to a specialist for further research. Most recently on XX/XX/2019 I waited on hold for 42 minutes to only have the phone disconnect ( without any fault of mine ). I have also attempted to establish an online account with Shellpoint ; however without a loan number an account to process a mortgage payment can not be established. Additionally, I have connected with my prior servicer and lender over the phone and both confirm my loan has been transferred to Shellpoint. Moreover, my home owner 's insurance policy has been updated to name Shellpoint as the lienholder, which was communicated to me via US mail and contained an incorrect reference loan number on the communication. Lastly, on XX/XX/2019 Shellpoint requested I coldcall many other mortgage servicers to see if they had my loan and I was provided by a Shellpoint representative with 3 other phone numbers. Upon my calling of other mortgage servicers I was unable to locate a loan number.
Consumer complaint received 2020-06-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (CO)

In early XXXX, XXXX XXXX placed accounts with Aargon Agency due to non-payment. I was able to verify and pay all of these accounts, except one in the amount of {$260.00}. A statement which showed the wrong account was sent to me, and in XX/XX/XXXX, I asked the company to produce a new statement so that I could verify the amount owed and make a payment. Since then I have received no communication from Aargon, and in calling them on XX/XX/XXXX, they are completely unable to provide a statement or explanation of the debt. Their online account function has no information about the amount of this debt or an accounting of where it came from. 
I have requested, twice now, to be mailed a statement and they have claimed they are unable to do that unless XXXX XXXX sends them a new statement. This has been in process since XXXX, so I have absolutely no trust that they are operating in good faith, and I do not believe they will ever send me an updated statement.
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MI)

A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to I believe all three Credit Bureaus, XXXX, XXXX, and XXXX. The account they are reporting on my credit reports and trying to collect a debt form a XXXX XXXX XXXX  for an amount of {$340.00}.