davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

My name is XXXX XXXX. My email address is XXXX. My phone number is XXXX. 
On XX/XX/XXXX, my wife and I had lunch at a local Mexican restaurant in XXXX XXXX XXXX XXXX.The lunch bill was {$77.00}, paid with my debit card ( see photo ). My bank, Union Bank in XXXX XXXX, or XXXX its debit card partner, then allowed the restaurant to withdraw {$11000.00} out of my account. There was no signed receipt or contract that could have been presented to allow that withdrawal to take place. The bank records indicate it went to the restaurant ( see photo ). I have tried to get help but the bank has not been responsive, saying that because I have a business account and this was an electronic funds transfer they can not help me. They also say the merchant made the mistake - not them ( see letter ) which does not make sense because nothing couldve been presented to the bank or its business partner XXXX to allow this withdraw from my account. They say I might be successful in getting my money back through XXXX ( see letter ) but its a slow process and theres no guarantee of success. I also went to the bank and confirmed that the POS transaction limit on my card was supposed to be {$2500.00}. The bank did not call to confirm that this was a legitimate transaction of {$11000.00}, and a fraud by someone shouldve been limited to no more than {$2500.00} without a phone call to confirm the legitimacy of the transaction, as they had done in the past. To me this seems like an act of negligence by my bank, and they have not been very helpful or seem overly concerned about my predicament. I have requested documentation from the bank as allowed by Federal Regulation E showing what investigation they conducted with XXXX, where the money was transferred to, and my records show it was transferred to the restaurant. I have received no response from the bank to my emailed request. I feel am powerless in this matter, and do not get a sense that the bank is concerned at all about my loss. I have documented this transaction, and forwarded a request to the California Attorney Generals office for help but I have not gotten a notification of receipt or acknowledgment that an investigation will be undertaken by them. I imagine they have a lot of cases to investigate and I am not a priority, but I am concerned time is passing ( with all the investigation time involved ) and I dont seem to be able to get any help in this matter. It is also important for business owners, using debit cards, to not assume that their transactions are secure, or that the bank is willing to make extra effort to help them when something like this occurs. In theory one could buy a pair of sneakers with a debit card, and have the shoe store withdraw thousands of dollars from your account without seemingly presenting any type of signed authorization.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On or around XX/XX/2018, I reported 30 days of Charges on by business debt card estimating to discrepancy of XXXX to Bank Of America and the XXXX police dept.. Sometime in XXXX claim denied due to charges made with pin use. In that conversation, I explain that I realized that the 2 business accounts ( XXXX XXXX ) I had one was the primary account and sub-account and the original report I stated I had possession of the card. I realized I did not and sent in a statement correcting the original report.I also learned from that conversation the charges had been made during my working hours, so I submitted a detail report of the time card. I then followed up with the XXXX police dept who stated they record the incident but do not do an investigation because banks usually pay. requested an investigation that did not start until early summer because the officer assigned was not available. Officer ( XXXX cell phone XXXX ) reports back to me that he can not obtain the actual transaction to investigate with the vendors the fraudulent activities was made at because BOA will not release to him. I spoke to the store manager of one of the places the card was used and they state card transactions can be traced back a year if I can obtain information of detail times the card was used each transaction.
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

I was alerted by XXXX XXXX XXXX XXXX that Hunter Warfield collection company is trying to collect on the behalf of XXXX XXXX apartments, My identity was stolen in 2020.
Consumer complaint received 2018-11-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

XX/XX/2018 my complaint is seems like my mortgage interest is going up in the payments are getting higher every Year once again my mortgage interest went from6.750 % to 7.750 % and there charging me more money every month and it very clear that I'm paying more interest then principal on this loan that's going to take me forever to pay it off. I'm watching every time Select Portfolio Servicing goes up on my interest and charge me more month on my mortgage this is totally unacceptable and I see they're stealing money and if I don't say nothing they going to keep doing it so please " CFPB '' look into this matter. I know my responsibility is to pay my mortgage every month but not get ripped off at the ends of Select Portfolio that stealing and upping my interest rate. I just retired XX/XX/XXXX of this year and I'll be damned if they try to go up on my interest more and charge me more because I will report them every time they do so thank you for your time. XXXX XXXX
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I have tried on several occasions to get Experian and XXXX to correct my birthdate, but it still hasn't been corrected! XXXX  I'd reporting it correctly. My birthday is XX/XX/XXXX. 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.
Consumer complaint received 2021-04-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

I took out a loan from this company on XX/XX/XXXX for {$750.00} I have currently been paying this loan to the best of my abilities but due to my hours being reduced and struggling financially. I sent them an email on XX/XX/XXXX and advised them to stop collecting ACH drafts. I received a response back ( see attachments ) that the request was processed on XX/XX/XXXX. I received another email today,XX/XX/2021, stating they are STILL going to collect payment via the ach draft when I asked them to stop with proper 3 days notice. I can barely afford food and on the verge of bankruptcy. I asked them to stop collecting payments so I can send them payment on my own terms as my bank account is not an option at the moment. I do believe I have this right but based on their response they are disregarding my request. Please help!
Consumer complaint received 2018-11-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Focused Recovery Solutions, Inc. (VA)

This is a follow up complaint to XXXX-XXXX, in which 1 ) XXXX, working on behalf of XXXX XXXX Hospital, claims I never revoked TCPA consent and 2 ) Focus Recovery Solutions, collecting on behalf of XXXX XXXX Hospital contacting me illegally with an auto-dialer. I am writing to share additional information and to contradict inaccurate statements in the company responses. 

I have a recording of my conversation with XXXX on XX/XX/18 where I unequivocally revoked TCPA consent. Here is a transcript : Agent - " Do you give us permission to contact you on your cell phone using the automated dialing system or pre-recorded voice for future inquiries? '' Me - " No. '' Agent - " OK. '' This TCPA revocation was reasonable and valid, yet was not documented across my accounts with XXXX which, at the time, were accounts ending in XXXX and XXXX. The representative did not ask if my revocation was subject to one account or the other, yet a future representative notified me on XX/XX/XXXX that I had to call in separately for each account. My inclination, which I fully intend to prove through discovery, is that XXXX was managing and collecting on both accounts, but XXXX XXXX Hospital spelled my name incorrectly on one. That is the reason why they did not notate the account. 

When account XXXX was recalled from their office by XXXX XXXX Hospital and placed with Focus Recovery Solutions, XXXX 's failure to honor my revocation resulted in me being contacted illegally by Focus Recovery Solutions via autodialer on XX/XX/2018.
Consumer complaint received 2018-11-03
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. (GA)

XXXX XXXX XXXX {$590.00} It is unlawful to attempt to collect a debt twice There is no contract, no valid claim ... account was settled with original creditor XXXX XXXX XXXX XXXX XXXX   and I called creditor and was informed that your method of verification is often not updated and in error ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow, and remove You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XXXX Huntington Bank sent me an e-mail stating that a deposit that I made at a branch would be on hold until the funds cleared. I called and asked customer service why, I was unable to get a good answer since the funds have already been transferred from the bank account that the check was written on. 
The next morning I attempted to log in to check status of account. Huntington web site stated that I have had too many login attempts and that I could not log in. I had not attempted any login. I called again and was told that all of my accounts were on hold pending the check clearing. I have over {$30000.00} deposited, not including the new deposit. I challenged the right of Huntington to encumber all of my accounts. I attempted to escalate the matter through customer service after reviewing the Huntington disclosures regarding the account hold. No one was able to direct me to any document that states they have the right to do anything except not allow me access to the funds for the check in question. The last conversation I had was with a supervisor XXXX XXXX who directed me to an online disclosure " Huntington Online Services Agreement '' which states ; VIII. GENERAL TERMS ( THE FINE PRINT ) We may change the terms of this Agreement at any time. Unless the law requires us to send you a specific notice, we will decide what kind of notice we will give you and the method of providing the notice ''. 

Unfortunately, this agreement is not in a format that can be uploaded. I requested again to be put in touch with an administrator who could resolve this situation but was told that it was not possible. I find this action that was taken to be completely unacceptable. Invoking a fine print statement stating that the bank may change terms at any time without notice is absurd. I want to be contacted ASAP by an executive to resolve this matte
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CO)

XX/XX/XXXX received a collection notice of a debt that I owe {$4200.00} plus {$640.00} totaling : {$4900.00} to XXXX XXXX XXXX purchased in XX/XX/XXXX. I have never ever had any dealings, accounts, or service with XXXX. My internet service provider is XXXX / XXXX and my wireless service provider is XXXX XXXX. In my XXXX  years of existence, I had never had any relationship with XXXX. Who, what, how my name was used to transact this account with XXXX, is beyond me. I suspect someone has committed fraud using my name and contact information. Now I'm dealing with the 3 Credit report agencies to have this cleared up. Put a dispute with the 3 credit reporting agencies as well as a freeze on my credit reports.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP, LLC (VA)

XX/XX/2018 -XXXX  XXXX XXXX , VA {$6.00} XXXX ATM TRANSACTION DOMESTIC FEE {$1.00} XX/XX/2018- XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23.00}
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I am writing in the hopes you can help me resolve an issue I have. I have an account with XXXX XXXX. This account was set on autopay in XX/XX/2023 unknown to me the autopay had a security issue which I was only made aware of in XX/XX/2023 at that time I got the account bought current and got the issue cleared up so no other issues would occur. Since this wasn't a matter of me just not paying only me not being aware of the issue at hand I am hoping you can assist me in getting my credit updated to not report any data beginning XXXX XXXX XX/XX/2023 or to show payments made on time due to this issue.
Consumer complaint received 2022-03-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-11-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Manhattan Beach Venture, LLC (IL)

I submitted an application for a loan discharge and was denied. I Received documents stating that I withdrew from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, NY XXXX on XX/XX/1989. As I stated I never lived in NY or attended a school by the name of XXXX  XXXX XXXX in NY. The school I did attend was a free program and closed while I was attending. I requested for any and all documents pertaining to this loan under the FOIA and received 110 pages including a borrower 's rights letter and 1 page from a promissory note. Copies of this voided promissory note were sent to CFPB account numbers XXXX-XXXX, XXXX- XXXX and XXXX-XXXX. Also, Ms. XXXX XXXX from the State of IL. Attorney General Office file number XXXX and the credit bureaus. By law, a promissory note is voided if it has been altered or incorrectly written. This Promissory note does not contains all the legal detail which must include interest rate, the full amount of the loan, and payment frequency. In this Promissory note, theres only section E and F and state about a page 4, the other pages that state paragraph 1 through 17 have been added also, the pages are not number. I disputed with the credit bureau and it has been removed
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (TN)

I SENT A REQUEST TO XXXX XXXX TO STOP AND FREEZE MY ACCOUNT AND THEY SAID NO I SENT IN MY ID AND SOCIAL SECURITY CARD BUT THERE SAYING IT WAS NOT ENOUGH INFORMATION THEY NEED MORE STUFF SO IM SENDING MORE PAPERWORK AS OF TODAY
Consumer complaint received 2022-03-30
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: WELLS FARGO & COMPANY (TX)

I entered into a payment agreement with Wells Fargo XXXX XXXX account. I requested that they stop reporting my payment status as a charge off. They refused to do so. I disputed with the credit bureaus and all the investigation did was report the new balance but the payment status was never updated to paying as agreed. I have since then paid off the settlement and they continue to report a balance and monthly charge off status which violates my rights to completely accurate reporting.
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/19, I went into my local bank and cashed a XXXX XXXX dollar check. I received the funds from the teller and left, unfortunately, a few days later my account was negative by XXXX XXXX dollars this happened due to the teller incorrectly entering the check number when verifying it. I returned to deposit XXXX to clear the negative and then proceeded to deposit XXXX more to pay bills. fast forward to the XXXX of XXXX and wells fargo took another XXXX XXXX from my business checking account even though I had already paid the amount of the returned check. in effect, I am being charged twice for something I cleared a few days after I was notified of the returned check. i have been going back between calls to wells fargo and going into my local branch trying to get this resolve neither does anything since XX/XX/XXXX.
Consumer complaint received 2018-11-05
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. (VA)

This company continues to report inaccurate amount of voluntary repossession or all three credit reports. I called the company 2 years ago and no record of me in their file. As well as, filed a compliant through CFPB. The letter I received is that the company is looking into this information. The vehicle was voluntary given back to the company but it says I owe an outrageous balance. Reports as derogatory every month like clock work continuously lowering my credit score.
Consumer complaint received 2022-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

I requested debt validation on XX/XX/2022 and received delivery confirmation XX/XX/2022. As of XX/XX/2022, I have not received validation of the alleged debt. I have no knowledge of a contract with the company trying to collect. According to 15 USC 1692g 5 ( b ) ( also known as FDCPA 809 ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Consumer complaint received 2022-03-30
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 have tried to dispute the incorrect reporting status of my XXXX account with Transunion on multiple occasions. On XX/XX/XXXX I was provided with dispute results from Transunion and they said the updated the Rating but there was not an issue with the rating to be updated to. The issue is with the pay status and that it is listed as an adverse account when it should not be. This XXXX Account as been closed and paid in full since XX/XX/XXXX. On the Transunion website, the payment history shows that I made payments on time and in good status for the past 7 yrs but the remarks on the account are listed as follows Maximum Delinquency Note : " Maximum Delinquency of 30 days in XX/XX/XXXX, Estimated month and year this item will be removed XX/XX/XXXX '' and Pay Status " Account 30 Days Past Due Date '' ( this is uploaded as proof from my Transunion credit report ). This account is not delinquent and should reflect the correct information. I tried to dispute the inaccuracies again in XXXX but the dispute did not show up as filed. On the XXXX XXXX website, The XXXX account has " Current payments status 30-59 days late '', again which is inaccurate ( proof uploaded ).