davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX County Office of Child Support Enforcement and The State Dispermemr Unit sent funds to an account that was closed with Bank of America on XXXX XXXX. I have been working with a supervisor at XXXX to locate the funds and have been unsuccessful. It has been almost 4 months now and they have yet to resolve this error and issue the funds to me. The case was closed for over 6yrs and BofA has no open accounts for me and no one can find where the funds went.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

XXXX store card closed my account on XX/XX/XXXX so I was told from a representative .After making a purchase on XX/XX/XXXX for a roll of XXXX XXXX toilet paper. The account is current and not in default. I am paying on time but now it will affect my credit score by closing my account. The bank has other accounts under my name that in good standard and I do n't understand why they closed my account without a notice.
Consumer complaint received 2023-01-11
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. (HI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX. XX/XX/20XXXX XXXX
Consumer complaint received 2021-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (HI)

We mailed a check in the amount of {$24000.00} to pay off and close an open auto loan account # XXXX on XX/XX/2021. Attached are the supporting documents and the proof of payment. The check was received by Mercedes Benz Financial on XX/XX/2021. Mercedes Benz Financial processed this check and credited another closed loan account causing an overpayment on the wrong closed loan account. Mercedes Benz Financial continued to charge me interest on the open loan account and also took an additional payment from me. I called Mercedes Benz Financial on XX/XX/2021 to notify them that they had made this payment to a wrong loan account. Mercedes Benz Financial confirmed that this error would be corrected in 3 to 5 business days. It is now XX/XX/2021 and the wrong payment still has not been corrected. The closed loan has an overpayment of {$24000.00} while the loan that should have been paid off and closed is continuing to charge me interest and payments are still due on the loan that should have been paid off and closed. I tried my best to resolve this directly with Mercedes Benz Financial and they have been unwilling to correct their error and still have not paid off and closed the open loan. The closed loan is sitting there with an overpayment of {$24000.00} while my open loan that was supposed to be paid off and closed is continuing to charge me interest while also taking payments from me. This is not right.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Results from the investigation were neither logged, rendered, nor provided to XXXX, in 30 days and or til date, despite XXXX repeated requests. Second, XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX. Hence, Experian again went silent.
Consumer complaint received 2017-09-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Key Management Company of Missouri, LLC. (IN)

I moved out of Oklahoma unplanned before my first payment was due. When I called to see If I was able to mail in my first payment I was told that I owed four months of payment upfront. When I asked them about this the company said that I had to pay four months. I opened the loan in XXXX, how do I owe four months? They also started calling all of my references trying to find out personal information on myself, including my last employer. I mean harassing phone calls. They are fraudulently trying to get more money out of me than what I owe.
Consumer complaint received 2022-10-25
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: ASSOCIATED BANC-CORP (IL)

on XX/XX/XXXX my checking account at associated bank had a positive balance of {$62.00} dollars, then on XX/XX/XXXX it has a positive balance of {$22.00}. I know this because I had been transferring money from my savings as the balance was getting low. FOR NO REASON, on XX/XX/XXXX associated bank charged me {$64.00} dollars of OD fees unauthorized as I have overdraft protection set up, first off, and the account balance was not negative, if it was, the overdraft would kick in for the {$110.00} charge that came through. when asked about it, they told me that {$700.00} was overdrawn when that is not even close to the truth. they are fraudulently taking fees from customers unsuspecting accounts to make money. Please see the image. They need to credit back the account and use the overdraft protection as it should be used correctly and not lie about it. I can see exactly when the account went negative and they did on XX/XX/XXXX when I had a positive balance of {$22.00}. They could have moved XXXX  over. no, they lied and charged.
Consumer complaint received 2022-03-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Sent payment to the original collection company to settle the debt and have it removed from my credit report. I never received any update of the status of the account or my right to dispute the debt. I received a letter in the mail from portfolio recovery saying that I now owed portfolio Recovery. When I called portfolio and explained that I wanted validation of ownership of the account because it was to my knowledge owned by XXXX XXXX and didn't appear on my credit report, they then said they would start reporting the negative items to damage it until it was paid. I feel like I was taken advantage of and my rights as a consumer were violated and that they took predatory action wich damaged my ability to get loans and other forms of credit
Consumer complaint received 2020-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 @, I attempted to withdraw {$120.00} USD from a Chase Bank ATM @ XXXX XXXX XXXX in XXXXXXXX NY XXXX. Due to a distraction on my phone, I did not retrieve the funds from the ATM in an expedient manner. The funds were pulled back into the ATM and my account was debited for the amount. 

The card I used at the ATM was my XXXX XXXX card issued by XXXX.I called the bank branch manager the following day. I was told I needed to dispute the charges with the card issuer as it was considered a problem on their end in terms of crediting my account back. I asked them to review the security footage to see that the ATM had taken the money back. They refused to honor that request. My benefits card agency instructed me to dispute the charge with the bank and the bank instructed me to dispute the charges with benefits card issuer. I have been given the run around and I desperately need those funds.
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

My credit shows that in XX/XX/XXXX, there is a debt collection of {$620.00} on my SSN, owed to National Credit Systems, with the original creditor XXXX XXXX XXXX XXXX XXXX. 
First of all, I never lived in that apartment, nor have I visited it. 
Secondly, this debt collection occurred before I received my social security number ( I received my SSN in XX/XX/XXXX through my employer ). 

I contacted the company in XX/XX/XXXX, and an employee at XXXX XXXX XXXX received my call, and couldn't do anything about it. They confirmed that they managed that property XXXX XXXX XXXX XXXX during that period of time.
Consumer complaint received 2017-09-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I hired XXXX XXXX to make monthly payments to all my ceditors and in XXXX of XXXX I was sent a notice form Capital One that I was late 30 days. I called XXXX and submitted a dispute to XXXX and I have not been able to remove that late payment nor XXXX XXXX was able to either. I pay my portion To XXXX each month and they pay my creditors the same day every month, no reason to have a 30 day late Credit Card payment.
Consumer complaint received 2022-08-12
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. (CA)

It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted to identity theft. By submitting this complaint, I am looking forward for the removal of the disputed items completely from my Credit Report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXXXXXX Balance - Date opened XX/XX/2015 2015
Consumer complaint received 2021-02-08
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. (NY)

on XX/XX/ I sent a letter to Equifax at Equifax Credit Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX about two hard inquires which I noticed as unauthorized and fraudulent credit inquiries made by the following companies : XXXX/XXXX &XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. They did not responded to me within 30 days. Then I sent a 30 to comply letter on XX/XX/XXXX and Equifax has yet to reply to me.
Consumer complaint received 2019-03-07
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: Early Warning Services, LLC (VA)

I tried to open a bank account, and have been getting push back because I am being told EWS has a low score for me. I am a victim of identity theft and have only had one bank account ever and that is with XXXX XXXX XXXX XXXX. I have about 12 accounts listed and that isn't me or none of mine.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent letters to XXXX Transunion, and XXXX  asking them to remove my incorrect, names, address and phone numbers. They never responded. Please remove this outdated information.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (NY)

XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX Account # XXXX In accordance with the Fair reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 15 U.S.C. 1681 section 602 A states i have the rights to privacyUnder section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.Jul 12, 2022 15 U.S.C. 1681 section 604. It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) & 15 U.S.C 1681 -2 ( A ) ( I ) A A Person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

By XX/XX/2022 I got a mail from pressler felt and warshaw XXXX XXXX XXXX XXXX nj. Upon opening the mail.it was an identity theft some one use my info behind me and get a credit card and I responded to all the mail that I do not trasact any bussiness with what I'm.be sued until they sued me to court and I reported this to the 3 credit bureau which they took out the debt from.my credit because it was not my account and they still went ahead and took me to the superior court in new jersey which I responded to all the mail a d when the collection agency sent the invoice of the fraudulent transaction I quickly noticed who did the fraud because on the invoice show my name and the address on the invoice I never leave on the address and layer I realized that was where my ex use to live and that was when I knew it was her and I went to the XXXX police to sue her for identity theft and they said I need to get a mail from the original debtor which I call so many times and they never pick up and I went back to XXXX police and XXXX they can't do nothing. And also this particular person that stole my ID is also has another fraud she did which buying a furniture 8 years ago when we still together and when she move out of nj I call her every month not to destroy my credit and she says she's paying until after 2 years got a mail from same pressler felt warshaw llc that the monthly payment for the furniture has not been paid for a year and I contacted my ex and I had her with pressler felt and warshaw llc and they ask her to send all the payments to them which she lied she did and she never did and I was sue by pressler felt and warshaw and as a spiritual man.i take responsibility for what I did I bought the furniture for her with my card and I had an accident then and in my pain I was able to pay XXXX to XXXXressler and they keep harassing me calling me at odd hours that I had to block all the numbers they call me and while the case was in court they keep sending me.different mails and I had reported them.also to the arttoney general of New Jersey and they are trying to garnish my wages which I got an electronic mail from.the court.tell them to go else where to look for free money.i word hard for my money to XXXX for my family not to pay no.money I know nothing about and they should stop sending mails.to.my house.
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I am a US Service Member moving back to the states and found a listing for XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX on several real estates websites and XXXX. XXXX XXXX XXXX contacted me over email and XXXX and I signed a lease agreement and paid the first months rent and security deposit of {$3500.00}. This morning I was contacted to pay for homeowner association fees and I found a listing for the actual property manager of XXXX XXXX XXXX XXXX. They said that the unit is not available and already has tenants as well as XXXX XXXX XXXX doesn't work for them. Below is XXXX XXXX XXXX contact information. 

Property Management : Show rentals property My Telephone Number : ( XXXX ) XXXX ( text preferred ) Business XXXX Line : ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX License ID : XXXX XXXX XXXX
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had been opened a claim on the date of the transfer XXXX XX/XX/2021 XXXX with my bank and on a weekly basis contact status of my claim and my bank sent an email to chase bank to initiate the reversed transaction but nothing heard from XXXX bank almost 95 days passed. 

XXXX XXXX XXXX conversation evidence from recipient is attached below Thanks a lot
Consumer complaint received 2017-09-19
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: ENOVA INTERNATIONAL, INC. (CA)

Reference ( Copy of Email Communication to date ) : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX : Requested to have account closed since credit line was denied and no business transaction was going to be enacted. 
XX/XX/XXXX, Their response in brief : " ... we regret to inform you that XXXX can not honor your request to delete your personal information from our database. We are required by federal and state laws to retain and keep a record of any customer information submitted to us. '' The rest of the email response is referenced above. 

No exchange of funds transpired, but personal information may be at risk of being sold, abused, or misused. They chose to not do business with me, and I chose to not do business with them, therefore requesting to have my account closed.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

On XXXX/XXXX/XXXX, I found six of my citi credit cards were closed without any notification. By the time they closed my account, I still have much reward points in my accounts.
Consumer complaint received 2023-04-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (MD)

Today on XX/XX/2023 I received a text message from XXXX that said the following, word for word, incorrect capitalization included : " MTB : Your request to close your account will be processed in 24 hours. if this was not you, Kindly REVALIDATE HERE XXXX '' After some googling, it appeared they were referencing an account with M & T Bank. I do not have an account there, but I called their customer service to be certain, and I don't. The XXXX XXXX redirects to a very suspect different address and login page. Just wanted to report this.
Consumer complaint received 2021-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northstar Location Services, LLC (FL)

I received a letter from XXXX XXXX  where they told me the account in charge-off status was placed with NorthStar collection agency. I was never notified about my dispute rights and no documents were sent to me. I want you to send me all the documentation you have. Prove that you have rights and a licence to collect the debt in my state. 
What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2020-12-08
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.