davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (MD)

I submitted a complaint on XX/XX/XXXX complaint number XXXX I have more to that complaint yes when I called the bank and ask them what happened to my money they said they had no record of it on there computer I'm singing I'm looking at this on my statement on my internet my phone they say no I have it on my phone if you want to check you have my email address that XXXX XXXX took {$88.00} out of my account 7 different times and {$42.00} and some cents from a place called XXXX XXXX the {$88.00} came from a XXXX XXXX store in XXXX Maryland my crew told me that my hundred-million-dollar crew he is taking more out different times and also yesterday XX/XX/XXXX he had my debit card taking off they said lost card when I try to use it please help if you can
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Advised Kohls XXXX regarding scheduled payment process. Never received email on confirmation. Filed complaintwith XXXX  XXXX  XXXX. They saidIn your letter dated XXXX XXXX. 2021 you stated " Our records show that on XX/XX/2021, you authorized a payment for {$48.00} through the Kohls mobile app ( confirmation number XXXX XXXX to post to your account on XX/XX/2021. On XX/XX/2021, you authorized a second payment for {$48.00} through the Kohls mobile app ( confirmation number XXXX XXXX to post to your account on XX/XX/2021. '' However, in your letter dated XX/XX/2021 you stated " Upon further review, we found that the 2 payments referenced in your complaint were made through Kohls Credit Card Management. Payment confirmation emails are not sent for payments made through this channel. Any prior payments not made through this channel would generate a payment confirmation email '' So ... ..which is it??? 

As I have previously stated, I HAVE NEVER CHANGED THE WAY I MADE SCHEDULED PAYMENTS. Enclosed an email on a " SCHEDULED PAYMENT I made FROM my laptop on XX/XX/2021 for a PAYMENT to be made XX/XX/2021 that I RECEIVED AN EMAIL CONFORMATION. 

Investigate this transaction & provide the CORRECT information because the information I am providing you does not MATCH either of your scenarios From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Friday, XX/XX/2021, XXXX AM CST Subject : Payment Confirmation Dear XXXX XXXX XXXX, Thank you for using My Kohl 's Charge to schedule a one time payment. Details for this transaction can be found below. 

Confirmation Number : XXXX Amount : {$34.00} Date to be Withdrawn : XX/XX/2021 Funding Account : XXXX Payments submitted before XXXX XXXX  CT will be processed the same day and posted to your account the next business day ( excluding weekends and holidays ). If you would like to review this payment, simply access My Kohl 's Charge. 

Sincerely, Kohl 's Customer Service I received on XX/XX/XXXX. 2021 a letter stating they have closed my account effective XX/XX/2021 2021
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

On XX/XX/XXXX, XX/XX/XXXX I reached out to XXXX  regarding incorrect information reporting on my XXXX report regarding Americollect. On several occasions XXXX responded that Americollect had been verified as mines. However upon my request no proof of verification was received from the above mentioned companies. I also attempted to contact Americollect directly by certified mail on XX/XX/XXXX where I still have received no response from the collection agency as of date.
Consumer complaint received 2020-08-01
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. (MS)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information XXXX times. I filed XXXX police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen XXXX times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Consumer complaint received 2018-02-27
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: JPMORGAN CHASE & CO. (TX)

I leased a XXXX vehicle through Chase for a XXXX XXXX XXXX XXXX. 

I was sent a letter from Chase bank notify me that if I released another XXXX, they would pull me out of up to five payments. 

When I went to the dealership, they informed me ( basses on what Chase told them ) that I had eight payments left on my car. The dealership agreed to make three of those payments for me, and that would satisfy my obligation. 

It turns out that I only seven payments were owed on the car, and had the bank accurately notified the dealership, my negotiations with them would have been differently based on the fact that I did not owe as much as the bank was stating. 

This indicates deception, or at a minimum misleading information being provided to both the dealership and me as consumer. 

Whats more, the bank continued to bill payments after I turned in the car ( on XX/XX/XXXX ) and as of today, they have given me no indication that I will reimbursed for those payments.
Consumer complaint received 2023-02-21
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. (GA)

n accordance with the Fair Credit Reporting act XXXX AccountXXXXhas violated my rights. 

: XXXX XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXXXXXX XXXX Account Number ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX. Account Number ( 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 a account without my written instructions.
Consumer complaint received 2020-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dealer Funding, LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Recovery Service Incorporated (KS)

On XX/XX/XXXX, Irecieved the attached email from ARSI regarding repayment options for resolving my account ( email included my name, the correct account name, reference number and total balance ). I then called ARSI directly ( used the phone number from the email ) on XX/XX/XXXX to discuss my acceptance of the terms outlined in payment option XXXX XXXX from their email and set up the 4 remaining payments. The customer service representative confirmed my account number, balance and my name/DOB/social were the same as what was listed on the email they sent me the day before then he confirmed they did send me the email I was referencing yesterday as well. 

However, the representative then stated that email was sent in error and the settlement options provided in the email were inaccuate and not available due to my current balance ( which was also noted on the same email with the settlement options they are no longer honoring ). 

They put me on hold then came back and said their " internal IT department sent that email in error and are working to update the info on the account ''. I told them it was extremely missleading that they sent, in writing, different settlement options associated to the same account and account balance and now would not honor them. He said there is nothing he could do besides give me the new repayment options, which are significantly more than what was originally provided yesterday.
Consumer complaint received 2021-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

I was recently release from prison and checked my credit and found collections that I am not responsible for. I was a victim of id theft. The collection is from COLLECTION BUREAU OF F Original creditor. Below is a copy of transactions. 

ccount Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$260.00} {$260.00} Payment Info Original balance {$260.00} Balance {$260.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2022-10-11
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. (SC)

There are several listings on my consumer report that I did not consent to being reported by credit reporting agencies. My consumer right has been violated : 15 USC 1681b regarding permissible purpose which states that three criteria must be fulfilled before credit reporting agencies can disclose to your consumer report - obtaining written consent from the consumer, sending required disclosures before reporting, and disclosing my right as the consumer to opt out. None of these criteria were met before reporting said listings. Upon disputing these reports based on their reasonings, I was told that these listings were " verified '' and they remained on my report despite never having my written consent to disclose information to my consumer report, and despite never giving me notice of my right to opt out of said disclosure. 

These listings include all collection reports, all closed accounts, and all late payments that have been disclosed to my report.
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Charleston Area Medical Center (WV)

I have a collection action on my credit report that is not my debt, this action was started by Healthcare Financial Services on behalf of XXXX XXXX XXXX  XXXX.This debt is not mine and should have been paid by my companies workers compensation provider, XXXX.I spoke with both companies on XX/XX/2019 and the collection agency had the wrong account number, I advised the company of the correct account number and was assured that they would correct the problem.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (ME)

My wife and I paid off our mortgage of XX/XX/2020. As of today ( XX/XX/2020 ) neither the Maine XXXX County of Deeds or my wife and I have received a Release Deed that we can submit for recording. I have been in touch with the mortgage company almost weekly wanting to know why a Release Deed has not been sent. As it stands now should we decide to sell our home or seek another mortgage we would be prohibited as there is still an outstanding loan being show on our property record. Attached is a document showing the loan was paid in full. 

This loan is in the name of the XXXX XXXX XXXX, Trust. Both my wife and I are the Trustees of that Trust.
Consumer complaint received 2019-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

I paid my loan payment to Ocwen Loan Servicing, LLC (Account XXXX) for years, on time, with auto bank drafts.  Around May 2019, the loan was assumed by PHH Mortgage Services (Account XXXX) and the auto payments were dropped without notice.  When I realized the payment had not come out of my bank, I resolved the issue with PHH, made payments due online and then filled out the required forms with PHH to resume auto payments.  I received a notice dated XX/XX/2019  (attached) that my automatic payments have been cancelled.  When I contacted PHH to inquire, they indicated it was due to a bankruptcy discharge in my past.  When I asked PHH to send me written support for this policy decision, they indicated they were unable to do so.  My experience with the two representatives at PHH was frustrating as they kept repeating they were unable to do auto payments for me, but would not agree to send me a written explanation of their policy or laws governing this decision.I believe I am being treated unfairly.  The bankruptcy in my past was discharged long ago.  I have made on time payments by auto bank draft for years.  PHH has a auto bank draft system they offer their customers.  I believe I am unfairly being discriminated from using this payment system that will better allow me to continue my history of on-time, regular payments.  For PHH to make paying my mortgage difficult seems wrong.I would like PHH to provide written documentation supporting their decision pointing to laws or procedures and I would like information to know how I can remedy this situation so I may once again pay my mortgage electronically on a regular payment schedule.
Consumer complaint received 2018-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

This is my 4th complaint against PayPal going back to an incident that started in XX/XX/2017. PayPal Answered the first two complaints. In the reply to the first two complaints XXXX XXXX XXXX, Operating Counsel sent me an attachment supposedly showing that the money was put in some account which I proved was not mine I then sent a third complaint proving that the money never got into my Paypal account. My third complaint was never answered by XXXX XXXX or Anyone at Paypal. Why? I mentioned in my complaints that I am not going to let a Multi Billion dollar company use their size and legal team to take advantage of me. I am a senior citizen, a XXXX XXXX XXXX Veteran living on a very limited income, this {$190.00} is a lot of money to me and is a pittance compared to the vast amount of money in your charge. Certainly XXXX XXXX has better things to do than try to deal with me. Is this an ego trip for You or your company. Are you making a mockery of the Consumer Financial Protection Agency? That I have to go through all this bullying by PayPal to get {$190.00} just blows my mind. My name is XXXX XXXX XXXX and my phone number is XXXX, If I do not received a satisfactory reply within 2 weeks, I will send all my correspondence to the each Member of the Board of Directors of PayPal.
Consumer complaint received 2019-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc. (GA)

I received correspondence from XXXX XXXX XXXX only stating that they are reporting accurately yet unable to furnish the information on how the account was open and a wet signature bearing my name.  This account was a result of identity theft and I have never owned a XXXX  XXXX XXXX Card.I am attaching my rights as a consumer that they delete and remove per FTC that if an identity theft report is supplied and copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies (CRAs). As a furnisher, upon receipt of a consumer’s written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Charges made on XX/XX/2018 in the amounts of {$1400.00} and {$1400.00} initiated by XXXX. Transactions were marked as fraud as XX/XX/2018 followed by a call to Capital One to request a new card and discuss further actions. Charges were pending until XX/XX/2018 when they were posted to account. Another call was made to Capital One and was told charges should be taken off the account in 72 hours. The amount of credit will be frozen on credit line for up to 90 days as Capital One  investigates. 
XXXX is not a company I had heard of prior to this experience.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

portafolio recovery associates llc have consistently called me on the weekend since XX/XX/2022. I dont recognize them as a lender to me. I refuse to answer their calls. I sent them a letter demanding they stop calling specially on the weekend.
Consumer complaint received 2021-05-07
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: EQUIFAX, INC. (TX)

This is in response to a notice that I received from that the CFPB. I was informed that my complaint was deemed by your company as distrustful on my part due to you feel my report was not created by me. 

I feel that this is another direct attack on my character by your company. I'm not sure if theses attacks on my person are XXXX  motivated or not ; but I do feel targeted by your company. First you report information on my credit report that is clearly false. Second when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally ignore me and don't respond. Third then you have the out right audacity to say that my complaint was not submitted by me in a attempt to get circumvent the rules set out by the FCRA. 

This is my 2nd and final attempt to get this matter resolved with out me seeking additional outside assistance. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX FTC as well as my States Attorney General. 

My 1st letter was sent to your company on XX/XX/21 via cert mail via the USPS. 

You have had more than 30 days to complete your investigation, and you have failed to respond with in that given amount of time. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I demand that all the accounts and information in question be deleted at once ; and send me a free copy of my credit reporting showing the changes have been made.
Consumer complaint received 2021-05-07
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)

This is in response to a notice that I received from that the CFPB. I was informed that my complaint was deemed by your company as distrustful on my part due to you feel my report was not created by me. 

I feel that this is another direct attack on my character by your company. I'm not sure if theses attacks on my person are XXXX motivated or not ; but I do feel targeted by your company. First you report information on my credit report that is clearly false. Second when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally ignore me and don't respond. Third then you have the out right audacity to say that my complaint was not submitted by me in a attempt to get circumvent the rules set out by the FCRA. 
This is my 2nd and final attempt to get this matter resolved with out me seeking additional outside assistance. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

My 1st letter was sent to your company on XX/XX/21 via cert mail via the USPS. 

You have had more than 30 days to complete your investigation, and you have failed to respond with in that given amount of time. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I demand that all the accounts and information in question be deleted at once ; and send me a free copy of my credit reporting showing the changes have been made.