davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX DOCTORS BUSINESS BUREAU Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation,  Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report DOCTORS BUSINESS BUREAU XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-11-20
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. (TX)

The collection account below is not mines. I have disputed over the last two years. This is not mines not sure what I need to do to prove this. I may file a lawsuit against this company. 

XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$4100.00} Needs Attention
Consumer complaint received 2017-11-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NJ)

I have contacted XXXX XXXX XXXX, XXXX with 2 written letters on Validation of debt in regards to a notice they sent on XX/XX/XXXX stating this communication is an attempt to collect a debt. 
Amount of {$2500.00} and {$2100.00}. 
Then continued to no Validate the debt and send replies without any contract verifying that I have a signed contract with them. On all harrising communication dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, it specifically states on their letter head on the bottom in bold : This communication is from a debt collector but is not an attempt to collect a debt.  These accounts are listed on my credit reports as collections.
Consumer complaint received 2018-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (OH)

I requested a loan on XX/XX/XXXX, which was funded on XX/XX/XXXX. The agreement I signed stated that the first payment was due on XX/XX/XXXX. This is what I signed and what I authorized to be taken out of my bank account starting on that date. No earlier. 

One of their customer service reps, XXXX, was assisting in setting up the repayment schedule, and somehow backdated my payments and said they were due starting on XX/XX/XXXX. How would payments be due on XX/XX/XXXX for a loan I didn't take out until XX/XX/XXXX? Am I supposed to get in a time machine to go back in time to make this payment? She also didn't take responsibility for her mistake and just stated that " she saw that the payments were due starting on XX/XX/XXXX '' but didn't acknowledge that she made an error and caused this problem. This mistake caused a payment to be taken out of my account today, on XX/XX/XXXX, which I DID NOT AGREE TO. THIS WAS NOT IN MY REPAYMENT SCHEDULE and they still debited my bank account. I think this should be illegal. 

I was told it would take 2-3 days to fix, and now am being told 4+ days. I do not trust this company having access to my bank account.
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Have had non stop issues since opening " opportunity checking account '' with webster bank. 


1. ) online banking is extremely unreliable. transactions, regardless if theyre debit, credit, ach, or even transfers between accounts, post and unpost randomly with no rhyme or reason. in the words of the branch manager herself " you never know when something will post " making it extremely difficult to accurately manage your account. to make the problem even worse, even though webster is aware of this issue, they dont make you aware of it until after you realize it and have problems, often resulting in fees. 

2. ) was told by the person who helped me open the account that it is " basically impossible to overdraw ", this is just a flat out lie. 

3. ) the bank often tries to blame delayed charges on the " merchant '' and their processing, however, this holds no water. I have used numerous debit cards and credit cards at the same merchant, and only webster will delay the charge for what seems like a totally random and unpredictable amount of time. different cards used at the same merchant have no issue processing at the time of sale. 

4. ) all problems with the account could have been avoided from the very beginning had the overdraft protection service been offered. this is something i realized was available months after opening the account, and i made this realization myself. this service has still not been offered or suggested by any webster employee, even after numerous overdrafts. 

all these things considered. i have to say that webster bank is either negligently run, or is running a scam. the delays in items posting, bad information given, lack of protection offered, etc, all leads me to believe they are intentionally creating overdrafts to collect fees. this is also reinforced by the fact that the type of account i have as seen as " high risk '', or more likely to over draft, so perhaps an easy target for this type of scam. webster all has a history of law suits they have settled for millions of dollars alleging the same exact thing. 

most recently, just this morning, i noticed a very alarming " mistake '' on my account. I had transferred on XXXX/XXXX/XXXX the amount of {$1100.00} into another webster account. the XXXX accounts share an account holder and the transfer was immediate. the funds were properly distributed at that time. the following day, XXXX/XXXX/XXXX, the {$1100.00} was in BOTH accounts. i believe this was a blatant attempt to get to me spend some of it, and then charge me with over draft fees when the " error '' was corrected.
Consumer complaint received 2018-11-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC (NJ)

My family and I've been having XXXX since XXXX and hadn't had any problems until recently : on XX/XX/XXXX, 5 months after I'd turned in the leased/previously-used XXXX XXXX XXXX to a dealership, I received a letter from Alltran XXXX stating that I owed {$100.00} to XXXX XXXX for 'one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and above that allowed by your lease agreement ', and no specifics. 
I called XXXX XXXX about this, and they said they couldn't answer my questions and insisted that I talk to Alltran XXXX regarding this matter, and I was transferred over to Alltran 's XXXX XXXX, a rep, who asked me for the last 4 digits of my SS #!! .for identification purposes. First of all, XXXX XXXX failed to protect my private info by disclosing my SS # to a 3rd party, and breached my privacy and confidentiality rights! Then, when I refused to give out the last 4 numbers of my SS #, I told her that I had Alltran ID and  the Account #, she said that these won't work and asked for my home address. After I provided her w/the address, she located my account but still wasn't able to tell me what I was being charged for. After some more searching and putting me on hold, she answered that it was for wear and tear. I explained to her that in XXXX I had leased then-already-pre-owned XXXX XXXX, and had returned the car in exactly the same condition as I had gotten it in ; there were some minor dent and scratches on the car by the time when I had leased it from the dealership. I then asked Ms XXXX to send me an itemized detailed report on the car damages, for which XXXX XXXX was charging me. The Alltran 's rep 's response was : " Prove that you surrendered the vehicle in a good condition otherwise we'll report failure-to-pay to the credit agencies, you have just a few days left. ' Based on all above mentioned, I've filed a complaint w/XXXX XXXX XXXX and Im now reporting them to The Consumer Financial Protection Bureau. I view the whole situation as fraud and extortion. Im financing my currently leased XXXX through XXXX XXXX again, and I dont want any more surprises and I do not want this company to ruin my perfect credit history because of their fraudulent claims and manipulative approach to get me pay for so called damages that weren't there when I was surrendering the car to the dealership. Please help me to resolve this problem.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (MA)

I believe XXXX XXXX XXXX and XXXX XXXX XXXX two fugitives   that I reported multiple XXXX   are  calling TD bank making false claims tha I'm a XXXX XXXX asking TD Bank and other company to place hold on my account which Did not authorize please investigate this matter
Consumer complaint received 2024-04-01
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: VYSTAR CREDIT UNION (FL)

Two Vystar Credit Union Accounts were hacked by a person who had stolen my tablet giving the predator the ability to access my accounts by causing the account to overdraft and then using fraudulent checks to obtain fraudulent transaction. 

This is the last time I am going to report this fraud and lack of accountability for the theft against my account and my credit report.

I have sent Police Department Reports and filed multiple reports with the FTC.

This is a violation of the law and the fact that they are not responsible individuals whose actions have shown they are morally wrong to do anything harmful to their customers.

This violates the law of the FCRA 605 B
Consumer complaint received 2018-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

I transfer {$1200.00} from my TD Bank account to another TD Bank account user. And was told my money would be returned to my account by the person I sent the money to due to not being able to receive my item of purchase. I also sent over documents regarding this conversation to support my statement. I was scammed out of {$1200.00} and TD Bank did nothing to help me get it back
Consumer complaint received 2018-11-20
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: JPMORGAN CHASE & CO. (TX)

I opened a dispute with XXXX. They were not correctly reflecting the balances on my credit cards making it appear that I had high balances on my cards ... they fixed the error on 2 of my chase cards but completely deleted one of my chase cards with a limit of XXXX and a balance of {$0.00}. I uploaded the statement of the credit card along with a note explaining the error and disputed twice but still my card is gone from my report. my score is affected as it has lowered my available credit and increaded my debt ratio. I would like my chase card put back on my account with balance updated.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (AZ)

As a past small business J. P. Morgan Chase Bank customer, I recently received a XXXX check which likely cost other bank customers at least {$50.00} in administrative handling. J.P. Morgan Chase Bank need not be accountable for this bizarre in wasteful behavior. As a business customer J.P. Morgan Chase Bank would regularly place a hold on monthly deposited check so to predatorily collect over the years ( e.g., XX/XX/XXXX to XX/XX/XXXX ) hundreds of dollars deducted expectantly. This is now expected classic behaviors of JP Morgan famous parasite on the commerce of Science & Technologies ( e.g., XXXX XXXX ), and the middle class in the poor ( e.g., USA DOJ XXXX XXXX slap on the wrist exposing their predatory subprime lending practices of unloading high interest mortgage backed securities ) for their share of USA tax payers {$780.00} Toxic Asset Relief Program Bail out! '' With the way JP Morgan Bank handles money of the USA tax payers there a joining public consensus hot to trust them with a XXXX.
Consumer complaint received 2018-10-22
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 (NY)

I received a hard inquiry on my XXXX XXXX  that there was ahard inquiry from capital one. info listed Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I did not apply for any capital one credit card, loan or mortgage of any kind, so i am afraid it is some kind of fraud. i t now shows on my credit report from XXXX and XXXX
Consumer complaint received 2018-11-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Mortgage LLC (TN)

I was Approved for a mortgage by Finance of America Mortgage at 5.125 % went through enormous amounts of paperwork for underwriting to complete loan process only to have lender to come back over and over again with requests of paperwork.. Changed closing costs several times told me I had two choices on what to pay depending on if I get a letter from my lawyer will determine what my closing costs will be and my interest rate will be ( raised my interest rate ). My loan is approved with conditions that what I signed was not a contract and closing is on XX/XX/XXXX and now its impossible to close because I dont have my XX/XX/XXXX taxes that I filed which I didnt file because I did not work. He argued that I have to have a letter from someone stating I didnt have to file taxes in XX/XX/XXXX I receive XXXX and Alimony he already aware of this. I signed a form 3 weeks ago pertaining to the taxes so why this is coming up now before closing I dont know? My realtor and several other people cant make sense out of what hes doing ..in the meantime Im going to lose the house of my dreams. He never mentioned closing costs from the beginning of this process in the amount of {$8700.00}. I was told I had to pay {$3100.00}. If I argue with him the interest rate will go up or he makes it hard on me. Hes played the Bait and Switch tactic the entire time of the loan process. I was believed I would be paying the interest rate on the contract I signed he lied and twisted this entire loan process around to his advantage.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am making a final goodwill attempt to have XXXX and TransUnion to clear up this matter. They have sent back verified and entirely inaccurate, unverified and represent a serious matter in their credit reporting that they maintain under my social security number. 

Also, please be advised that this is my second time contacting them both about this matter in writing. These companies are in violation of 15 U.S.C 1681. They both have XXXX XXXX reporting as the verification 3rd party, they have no permission to furnish any information on my credit report in the first place. Also note that third party verification systems also known as Pacer.gov, The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy.

Because FCRA Section 623 ( a ) ( 8 ) allows the consumer to follow up with the data furnisher if they believe that the previously disputed account is innacurate by requesting an investigation be done by the furnisher to prove the accuracy of what has been reported. The courthouse listed on the reports responded that it did not provide this information to either bureau, and XXXX  promptly deleted it.

FCRA Section 611 ( a ) ( 2 ) requires Transunion, XXXX  and XXXX XXXX ( which attached document shows XXXX   XXXX attempted to dispute this with Transunion and XXXX ) to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX XXXX and Transunion report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.
Consumer complaint received 2018-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: DriveTime (OH)

The interest rate is RIDICULOUS Ive never gotten explained this interest rate and i dont recall agreeing to these terms. The sales man was very misleading. Ive tried to get this explained to me or at least get the original contract where Ive signed for this and it has yet to returned to me.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Specifically, after having provided a copy of my social security card to Experian, after having provided a letter of verification of social security number, and name that appears on those documents, by what legal authority does Experian or a creditor have to report differently. The name on my social security card, having been the number upon which reports are given, and maintained is the only name and number authorized. 

In specifics, The XXXX XXXX card issued and used was created under social security number XXXX, this isn't my social security number, regardless of the created association created by the lender. Secondly the card was created and used from an address, after I had left that address totally. 

In referece to the reported bankruptcy, Experian created a situation for verification, and if not for that creation, there would be no verification. Specification is this, unless Experain can provide some legal method of verification the names they have created, I ask them to remove them immediately, and by removing their created names that don't verify with my social security number, then the items specified in this document will not be verfified, and thereby there isn't a complaint to be had. Their verification is important because it will show they create situations to verify and verification doesn't happen by virtue of the truth in reporting. Seemingly Experian only understands litigation to correct their behavior, which Is my next step.
Consumer complaint received 2018-11-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: WELLS FARGO & COMPANY (MA)

My loan was placed in deferment in XX/XX/XXXX, and will come out of deferment XX/XX/XXXX. Today is XX/XX/XXXX, and Wells Fargo has been calling me ( I have not answered ) and my dad, the co signer, harassing us about the loan. It's not due. My account says I currently owe {$0.00}. This has been going on my entire time of having this loan with them, since XXXX, and I am tired of it. I was in school from XXXX until now. In the past I have spoken to them about the harassment and today I sent them another message to stop calling unless the loan is actually due.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST (CA)

I have account under business was opened sinceXX/XX/2016 but the bank closed and ate the fund and I am surprised when I called the bank today. I never got any letter about the account being closed and how the fund is being return. It is so scary
Consumer complaint received 2022-07-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions.