davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I am resubmitting this complaint today to follow up on my previous communication dated XX/XX/XXXX. As per FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report, specifically under reference numbers # XXXX and # XXXX. Enclosed, please find the attached documents to facilitate the removal of erroneous items and fraudulent accounts that have been posted to my reports. The list of items per bureau, which do not belong to me or were opened without my permission, is as follows : -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX Balance : {$88.00} XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I recently opened an Auto Loan with Mazda Financial Services ( MFS ) for a new car. Shortly after opening the loan - XX/XX/21 - I received a Privacy Notice from MFS regarding my Privacy Rights and my right to limit the sharing of marketing information to their affiliates. 

On XX/XX/21 I responded that I wanted to limit the sharing of my personal information for marketing purposes to MFS affiliates and non-affiliates. I requested a letter or email to confirm this change had been made. 

On XX/XX/21 I called MFS Customer Services to inquire why I had not received the requested notice. The Customer Service agent informed me she saw the requested change had been made to my account. When I again requested a written confirmation of this change to my account I was told that MFS did not send confirmations of those changes. 
I consider this a significant change which ensures I protected my privacy to the extent allowed by law. I do not know why a confirmation was not sent. If I had changed my financial contact information I am sure I would receive a written confirmation. I consider my privacy rights every bit as important. I am not satisfied when I can not receive a confirmation of changes I made in that area. It causes me to suspect a motive - not beneficial to my request - on the part of Mazda Financial Services.
Consumer complaint received 2017-11-29
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 (GA)

On XXXX XXXX, XXXX and XXXX XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.
Consumer complaint received 2021-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (MS)

After waiting over 180 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

I sold a home on XXXX XXXX. The mortgage was with PNC Bank they tell me the sent a check for the return of my escrow deposits for taxes and insurance on XXXX XXXX. Only problem is I have not received the refund what I have received is numerous mail from congratulating me for paying off the loan to my final escrow statement which was mailed to me on XXXX XXXX. They are giving me the run around as to why I have not yet received the check returning to me the escrow balance. I have called numerous times and can not get an answer for when to expect to receive my money back. PNC has made numerous promises of which non come to pass. 

XXXX XXXX
Consumer complaint received 2017-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I had several transactions over the weekend of the XXXX, one of which was a transfer from my checking to savings account in the amount of {$75.00} on XXXX/XXXX/2017. Once the transactions over the weekend posted, I was charged an Overdraft fee of {$35.00} because of the {$75.00} transfer. I asked Wells Fargo twice to refund the fee and to explain where it states they can charge an Overdraft fee for a checking to savings transfer. Using their logic, I could transfer any amount of money I wanted, even if I did n't have it available and be charged just {$35.00}. So why could n't I just have transfer {$100000.00}? I hope my point is clear on this and it seems like a glitch in their system. I 've been told three times now it 's a glitch and this is the first time I have been refused a refund due to a system error on Wells Fargo 's part. I " XXXX '' overdraft fee caused by checking to savings transfer and not one returned response because it 's something that should n't happen and could be considered predatory and a " sneaky '' was to get fee money from consumers.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

XXXX XXXX XXXX shows late payments and I have never been later.   They say that on there end they don't show late payments.  I contacted them last on XXXX XXXX 2018.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

It is unfair that I should have to pay to freeze my credit report. I made no agreements with transunion to be included in their database. But the damage that may be caused to my life is substantial, if they approve credit to an identity thief. They already make money off of information about me I wish they did not have. It is unfair that I should have to pay them to protect myself from them.
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$5500.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}
Consumer complaint received 2017-11-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I went to the XXXX XXXX branch of chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX ga.XXXX, to handle my mounthly banking business..I went to cashbox # 6 and was taken care of by a cashier named XXXX.there were two transations that took place.first I transferred {$2100.00} from one account ( XXXX ) to account # XXXX, the second transation was a cash deposit of $ XXXX.on the XX/XX/XXXX I received notification from the bank of checks being returned for insufficient funds.On the XX/XX/XXXX I met with the branch manager,  XXXX XXXX where it was discovered that the {$280.00} was not deposited The manager made several calls after whuch she informed me of the procedures which had to be followed i.e tracking deposit slips etc ... I was recently informed that no further actions have been taken to rectify the mistake.in reviewing the receipts it was found that the cashier deposited {$20.00} instead of the {$280.00} ( which I am attaching to this compliant.In order to cover their mistake I had to deposit additional funds to cover the checks and fines
Consumer complaint received 2017-11-29
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: The CMI Group, Inc. (MD)

1 ) Credit Management ( {$910.00} ) 2 ) XXXX XXXX XXXX XXXX ( $ UNKNOWN ) 3 ) XXXX  XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX  ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

This is my second attempt to get this resolved. Below is my original message to CFPB was contacted in XX/XX/XXXX from Portfolio Recovery, I had told them then I had filed bankruptcy ... .previous to me filing bankruptcy ( roughly a year prior ) they sent me a tax form which I had to use when I filed my taxes, I do n't remember the form but it was for bad debt. They call me everyday all day from different numbers all over the United States XXXX XXXX XXXX XXXX XXXX I have told them about my bankruptcy, told them about the tax form that was sent ... ..they will not stop calling me and harassing me. 

This was their response : Portfolio Recovery Associates, LLC ( PRA ) is in receipt of your complaint, dated XX/XX/XXXX, but with the limited information that was provided to PRA, we are unable to identify an underlying telephone calls which we can investigate. In order for PRA to locate the telephone number linked to your complaint, we ask that you provide us with the telephone number at which you received our calls. In order to resolve your complaint, we will need additional information to investigate and resolve the issue. Specifically, we need to know the telephone number at which you received our calls. 

Ironically for them to NOT have my phone number the phone calls ceased, up until today XX/XX/XXXX, they are blowing up my phone, back to back calls from all over the United States. These calls need to stop!!!!!!! i 'm tired of the harassment and can no longer leave my phone on at work, which causes an issue if there is a family emergency.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2017-11-29
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: Exeter Finance, LLC. (AZ)

I am a victim of identity theft. The inquiries, which appears on my credit report from Exeter Finance datedXX/XX/XXXX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
Consumer complaint received 2020-05-04
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: EQUIFAX, INC. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2017-12-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NCB Management Services Inc. (SC)

NCB Mangement Services , Inc. has harassed me and my employer since XXXX calling after day four to five times a day. Calling my grown children on their cell phones and on XXXX XXXX, 2017 called one of my children at work and got him in trouble because he is not to have phone calls at work, he has told him number of times to quit calling him and in the phone call of XXXX XXXX, 2017 the person from NCB Management told him that he was a debt collector and was trying to collect a debt that I have. I have mailed them today a letter asking them to stop calling my employer, my children cell phones and call my children on their job sent it return receipt. They have my number and my address this debt does not belong to them they call them everyday and leave phone mails to the point of harassing them for something that does not involve my children
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (VA)

Developers of credit scoring models review a set of consumers. The historical credit profiles of these consumers are examined to identify common variables. The developers then build statistical models by selecting the credit variables most predictive of future behavior and assigning appropriate weights to each variable. However Experian will once per month automatically update your Credit Score. Nevertheless since XXXX XXXX, 2016 was the most current update ; noticed that Experian more quickly reflects a decrease in credit score ; but display a longer delay if making an update if your credit improves. Their reporting pattern demonstrates a favor to report Negative information towards the consumers. Businesses pay that a Credit Reporting Agency reflect negative information to collect debt. Their Credit Score reporting patterns have the inferences of discriminatory practices towards who they consider " BAD '' or " POOR '' credit risk consumers.
Consumer complaint received 2021-09-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bliksum, LLC (AZ)

At the end of XXXX, I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, to help me lower the overall payments/rate of the payday loans I am currently paying on. As of XX/XX/2021, XXXX XXXX took charge of four payday loans. One of those loans was through Loan MeXXXX XXXX. XXXX XXXX however, still wrongfully debited my Checking Account in the amount of {$190.00} on XX/XX/XXXX. I let that one payment slide since I just joined the payday loan settlement group just a day prior. On XX/XX/XXXX, Loan MeXXXX XXXX yet again wrongfully debited my checking account in the amount of {$190.00}. I contacted my bank, XXXX XXXX, and they mentioned contacting the loan company first to inquire about the mistaken charge. When I spoke to the Loan Me/XXXX XXXX agent, I was told there was nothing on my account regarding stoping ACH withdrawals or that they were contacted by XXXX XXXX XXXX XXXX I knew the lady/agent was either certainly lying and/or whomever XXXX XXXX XXXX spoke with was a shady agent and did not do as they were told. I then reached out to XXXX XXXX to confirm they did in fact contact Loan MeXXXX XXXX and sure enough, they did. I have not had any issues with the other three payday loan companies XXXX XXXX XXXX is dealing with on my behalf, so I truly believe they were telling me the truth. Afterwords, I contacted my bank and asked them to put Stop Payments on Loan MeXXXX XXXX. I looked at my checking account on XX/XX/XXXX, and much to my dismay, Loan MeXXXX XXXX once again debited my checking account for {$190.00}. On XX/XX/XXXX, I recently e-mailed XXXX XXXX  inquiring what happened to my previous Stop Payment request and truly hoping this can be resolved.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

This mechanism has been designed to inform you that I XXXX XXXX XXXX resides at XXXX XXXX XXXX XXXX, XXXX.Pa XXXX. I have been struggling since the XXXX XXXX which took place during the XX/XX/XXXX-XX/XX/XXXX. My mortgage was transferred through the XX/XX/XXXX. It went from XXXX XX/XX/XXXXto XXXX XXXX to XXXX XXXX XXXX. I also know that XX/XX/XXXX was a fraud, and I also know that XXXX XXXX was in a lot of trouble for this. My mortgage has been passed through a dangerous system. No one can tell me who owns my mortgage as of this day. If you could look into this matter it would be greatly appreciated.
Consumer complaint received 2021-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (KY)

XX/XX/2021 at XXXX EST I attempted to make a purchase for {$50.00} usd of the crypto ETH. It has not shown up in my account and I have not received my money back. I have reached out to coinbase thru XXXX, XXXX, email, and phone but no one is giving me any answers. All I get is " we are aware of the problem and working to fix the issue ''. I sent transaction numbers, receipts and all the proof needed to show I made the purchase. I even had one coinbase operator ask me to fill out yet another form then block me. I have tried for 4 days to get my money back. They've already costed me so much in profits. This company needs to be shut down! There's no customer service or fruad department at all
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (UT)

I was sent a credit card offer from Chase Bank for a XXXX XXXX credit card. The offer said that if I get the card and spent {$3000.00} in the first 3 months that I would get 50,000 bonus miles for XXXX XXXX. I applied for the card in XXXX of 2016 and I was approved. I called in to Chase Bank to see if I would qualify for the offer and they said I would get the offer. I spent more than the {$3000.00} limit to the get the offer. I canceled the card and chase told me that the miles would expire in 2 years. After my account was canceled my miles disappeared. I have been trying to work with Chase to get these miles back but they said that m account was purged. I did nothing wrong and now chase will not work with me to resolve this issue. The account number on this closed account was XXXX. I have also received a letter from Chase saying that I was supposed to receive the bonus. I will attach that as well.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I am being charge overdraft fee when my account is n't overdraft. On XX/XX/2017 I was charged 2 fee of XXXX dollars before I was charge those two fee I had XXXX since in my account.
Consumer complaint received 2021-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am writing today to notify the CFPB about an issue that is related to Identity theft. I have notified the collection company, ( RESURGENT/LVNV FUNDING ) and they have failed to comply with my request. Im now in the process of filing a lawsuit against the offending company, as well as the original creditor which is XXXX XXXX XXXX I have all supporting documentation, and will upload the police report as well. Please take all necessary steps to have this information removed permanently, and notify me of all findings.
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX collection company says that I owe them a balance of {$440.00} from the original lender XXXX XXXX XXXX XXXX XXXX XXXX I had no idea what kind of Card I was aplying for, I thought it was a Gift Card I signed up for.