davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (WV)

I recently applied for personal loans online due to financial hardship. I was contacted by someone saying they worked with XXXX XXXX XXXX and approved for a loan of {$2100.00}. Turns out the check was fraudulent and written on a check with your name. My bank suggested I reach out to you. Please call me at you earliest convience.
Consumer complaint received 2015-08-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: JPMORGAN CHASE & CO. (AZ)

One of my loan holders has filed a lawsuit against my co signer and never contacted me. My father is XXXX years old and on a fixed income. I have not had reliable income in years. I am finally able to go back to school to finish my degree. I do n't know who is filing the law suit, and they do n't give any information on the summons my father got. It does not list the date or time of the hearing, just that he is being summoned.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (CA)

I am writing to file a formal complaint against NCB Management regarding their flagrant violation of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/2024, I submitted a request for validation of a debt that appeared on my credit report, please see enclosed. 
Despite the considerable duration of time since my request, to date, NCB Management has failed to provide any form of validation for the debt in question. 
Furthermore, in direct contravention of the FDCPA, on XX/XX/XXXX I received correspondence from NCB Management attempting to collect the alleged debt, see enclosure. 
According to Section 809 ( b ) of the FDCPA, " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section 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. '' It is abundantly clear that NCB Management 's actions are not only in violation of federal law but are also causing undue harm and distress to myself. I demand immediate cessation of all collection activity related to the aforementioned debt until such time as proper validation has been provided, in accordance with the FDCPA. 
Failure to comply with this demand will leave me with no recourse but to take legal action against NCB Management for their continued violation of my rights under the FDCPA. Additionally, I request that the disputed account be promptly removed from my credit file since NCB Management obviously can not provide the required validation. 
I urge you to take appropriate action to ensure compliance with federal law. Furthermore, I requested also that the three credit agencies investigate this matter and take any necessary enforcement actions against NCB Management to ensure they are held accountable for their unlawful practices. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution and your cooperation in rectifying this situation.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Berndt & Associates, P.C. (MI)

There was a debt that they filed a judgement for in 2014. After my wages were garnished and the balance reached {$0.00} in 2014, a Satisfaction of Judgement was not filed. When I reached out to the company today I was given a letter that appears that makes it appear as the payment has just now been paid in full and does not indicate that this was paid in full in 2014. 

For my career I need a Satisfaction of Judgement and the correct date that the debt was paid in full.
Consumer complaint received 2016-08-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (NJ)

I called PNC Bank on XXXX XXXX to delete a check which I had entered online, 3 days before it was due to go out. The PNC rep told me it was deleted and the check was pulled from the pile that was going to be mailed thus there was no need for a stop payment process. 

The next day I saw a stop payment charge of {$33.00} in my account. I used online chat to explain what happened and why I should not be charged the {$33.00}. She could only quote the PNC Bank policy on stop payments. I told her what the PNC rep told me the day before but she did n't seem to understand. 

On XXXX XXXX XXXX XXXX from PNC Executive Client Relations reached out to me by email. I told her that the chat rep had all the information on the matter and I had nothing to add. I have not heard back from PNC and they have not reversed the unneeded charge.
Consumer complaint received 2019-03-04
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. (PA)

Equifax and XXXX will not remove the hard inquiries on my credit report. I am a victim of identity theft, and I filed a police report last year in 2018 when my identity of compromised. I also, sent a federal trade commission affidavit to all three credit bureau to have my report corrected and remove fraudulent information from my report. I checked my credit report and found that some new hard inquiries are on my report that are fraudulent. To date, the only credit agency that has worked with me is XXXX. Equifax requested information from me, and I sent in what was needed, and they did not removed the fraudulent information and follow the law for the FCRA section 605B.
Consumer complaint received 2017-03-09
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (TX)

I stayed in the car and send my wife to withdraw money from atm at XXXX at XXXX Texas XXXX. She had my serve debit card. I gave her the pin and asked her to withdraw XXXX if it did not give her the amount to cancel it, and we can withdraw it from another bank. When she saw that the atm was going to charge her a fee she declined the transaction. As she declined it no money was dispensed. We immediately left to another bank to try to withdraw the XXXX not knowing that American Express had charged me the XXXX to my card when no money was released.I called american express they informed me that they will see if they refund me, in other words they do not want to refund me. Another thing the ATM only dispenses up to {$400.00}, how could they release XXXX. I never received the money yet american express charged me the XXXX Immediately. They have camaras at the Atm no money was dispense even XXXX has cameras so they can see no money was released. I spoke to the manager called XXXX and they informed me I had to contact the XXXX, when I called them they informed me to file a complaint with American Express
Consumer complaint received 2024-03-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (GA)

Ive Been trying to get access to my account Since XXXX. When I Call they are rude They hang up on me or give me a hard time as if I was the badguy I want to excersise their privacy Policy and close my account
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

Back in XX/XX/2021, we refinanced our XXXX XXXX car loan with XXXX  XXXX XXXX. On XX/XX/2021, Kia Finance received a check from XXXX  XXXX XXXX. XXXX overpaid Kia {$850.00} over the payoff balance. Also Kia took over a month to credit that check to our loan. For that reason, we made an additional payment for {$450.00} to Kia Finance so no late payment would show up in our credit report. After months and many requests to Kia to refund both the {$850.00} and the {$450.00} to us, we have been told by their customer service department that both refunds are on hold since XXXX, 2021 and that all they can to is to send an email to the payment department to initiate the process. We have been told the same thing over six times. I called today XX/XX/2021 and was told that there's no record of anyone initiating that process. We are in the third month of paying XXXX XXXX XXXX for the refinance loan including the overpayment they sent to Kia. Kia customer service does not have a direct way to communicate with their payment dept and I'm affraid that after a few months they will have no record of my account and both overpayments.
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

XXXX, XXXX, XXXX & OTHERS INCLUDED You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Yall are out of lawful playground. congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). JEEFERSON CAPITAL SYSTEM AND XXXX XXXX XXXX XXXX If This transaction even took place it should've been held confidential! are in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction ( Which you wouldnt know because you were no there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. Pursuant to 15 USC 1681s ( d ) ( 2 ) ( a ) ( I ) it should be excluded from my consumer report. Must I remind you this the second time disputing this matter and Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. Also these false & inaccurate debts should all be removed from My consumer report PERMANTLY AND DELETED pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. **NOTICE**PLEASE RESPOND IN LAWFUL MANOR ( REMEDY INCLUDED ) LAST OF ADMINISTRATION PROCESS FEDERAL LAWSUIT WILL BE FILED!
Consumer complaint received 2019-10-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Cactus Jacks Auto Sales (AZ)

Harrassment dealer refused to accept payment XX/XX/2019. My account is currently paid. I have a payment due today XX/XX/2019. I recieved a visit today XX/XX/2019today from auto task force harassing family about vehicle. This dealer cactus jack intentionally tries to attempt to force you to default on payments. This dealer never mentioned the vehicle was in accident before also. This shady practice of attempting to force default instead of encouraging payment. Then to send someone to my home with fake legal documents about the vehicle that is not behind.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed chapter XXXX bankruptcy on XX/XX/XXXX. I had two credit cards from XXXX XXXX that were included in that bankruptcy which is almost paid off, current, and never delinquent. XXXX XXXX and Trans Union are reporting late payments to those XXXX XXXX accounts as recently as XXXX. I was never late on those cards ; they are included in bankruptcy ; I do not make any payments to XXXX XXXX on those cards, therefore, payments are not late and should not be reported at all. I have tried to get this corrected. The " late payments '' are affecting my Trans Union score and are creating a barrier to getting a mortgage. 

They must remove any payment history after XX/XX/XXXX.
Consumer complaint received 2017-02-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc. (MA)

I XXXX XXXX file this claim against a debt collector that on one level may be legitimate as a collection, but is illegal be posted on a credit bureau unless the specified 180-day notice guideline was administered. This guideline established the criteria on when a medical collection can be sent to a collection agency. At no time was I ever given notice by the XXXX XXXX XXXX or CMRE. This is a true Fair Debt Collection Practices Act violation. I have no issue paying the balance not satisfied by medical insurance, and would gladly submit a credit card payment to CMRE for the remaining balance. However, a violation was procured and the only remedy is for the removal of the collection from all credit bureaus permanently. I will honor a payout in full if it 's negotiated that upon constructive receipt of funds that both parties will be satisfied and the illegal collection is permanently removed.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax is refusing to update my credit report due to fraudulent accounts showing as inquiries. I submitted a copy of my fraud report and the other bureaus have removed these account but Equifax has refused to do so twice.
Consumer complaint received 2020-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX/XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (UT)

I purchased a training course on XX/XX/XXXX from XXXX XXXX XXXX using my PayPal Mastercard. 
I requested a refund and initiated a dispute with PayPal which was honored and recorded on XXXX as well as with PaPal Mastercard.. This should have close the case and would not have any more issues. 
I was charged again for the same amount by the same merchant on XX/XX/XXXX. 
I continued to report this problem with PayPal  and I was refunded on XX/XX/XXXX. 
Many months passed by and on XX/XX/XXXX I found my PayPal money wallet with a large amount and called and they refer me to PayPal Mastercard. 
I looked up the activities of the transactions on their Activity Log and suddenly I see that the negative amount double. 
I called PayPal Mastercard and informed them about it and they will tell me that it was a clerical error in PayPal 's side and it was not them. They gave me instructions to send them a fax and told me that lately PayPal is having these issues or that perhaps that merchant sent a rebuttal. 
I try to call PayPal but was not successful and when I review PayPal 's credit card statements I did find an extra credit of the same amount credited to me on XX/XX/XXXX noted as Adjustment-Purchases. 
I contacted the merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX yesterday XX/XX/XXXX and he agreed to send me a letter to confirmed that their were only four transactions that zero out and there were no other transactions between us. 
I try to call them both and was not successful. Today, XX/XX/XXXX XXXX Mountain Standard time I called again to inquire why they added an additional amount and the agent hung up after she said something that was not audible.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc. (FL)

I am writing to file a formal complaint against ACSI Collections for their continuous and unwarranted attempts to collect a debt that I have repeatedly informed them is not mine. Despite my clear communications and requests for cessation, ACSI Collections has persistently contacted me via phone calls and left voicemails, disregarding my instructions and rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ).
Consumer complaint received 2024-03-12
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MS)

The prepaid card company known as netspend. 

There were four transactions charged to my account on XX/XX/2024. The amounts were {$1.00}, {$73.00}, {$78.00}, and {$39.00}. The following amounts were charged to my account. The charges are fraudulent and I never gave no authorizations for this money to come out of my Netspend accounts. Netspend fraudulently charge me these amounts and I never owed to any money. Per Netspend Customer Service I showed no negative amounts owed on this account. I am seeking a full refund amount that total to these charges. Netspend have unauthorized access to my aceflare accounts in which I was unaware of. Netspend just took my money and I need my money.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Equifax makes it extremely difficult to place or temporarily lift a security freeze due their problematic verification process. This is ironic since they created the need for security freezes in the first place. The questions they ask you to answer correctly in order to verify your identity are incorrect or from such old data that each time I have to escalate the call to verify myself. Their online and phone system for this process always fails and there is no expedient way to get help. I have no trouble with XX/XX/XXXX or XX/XX/XXXX.
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: PNC Bank N.A. (IL)

On XXXX XXXX, 2017, I received a wire transfer from the sale of my company stock. The amount was XXXX euros, held in a French bank. 

Once deposited into my bank account ( at PNC ), it was {$86000.00} XXXX. This would put the exchange rate at XXXX EUR/USD. Additionally, PNC charged me a {$15.00} fee for the incoming wire transfer, which I am not disputing. 

However, the market rates were considerably higher at the time ( xe.com shows XXXX for that day - attached XEEURExchangeRate.png ). I had other work colleagues that performed the exact same transaction with their bank on the exact same day. The rates that they received were in line with xe.com 's rates for the day. My co-workers received as high as XXXX for their exchange rate. 

I contacted PNC on XXXX XXXX to dispute the exchange rate. The first question I asked the representative was to give me the current day 's exchange rate. He confirmed that it was XXXX. This is consistent with xe.com 's rates for that date. I then asked how I was given a rate much lower than the market on XXXX XXXX. He transferred me to another department ( the foreign exchange department ). 

This person confirmed that the rate on the date of transfer was XXXX. I asked how the rate could be so far off of the rest of the market, and was told that they did not know and could not provide more information. I asked how the person today could quote me XXXX as an exchange rate, and was told that he mis-spoke, and that his rate was not accurate. 

I sent my transfer to PNC because I counted on them to be comparable to other banks. In fact, their website states " PNC 's exchange rates for individual foreign currency orders are competitive with those offered by local banks. '' ( attached PNCExchangeRates.png ). Their rate was considerably lower, and if we consider XXXX a fair exchange rate ( based on XXXX 's rates for the day ), I was shorted {$3400.00}. 

So if PNC is not competitive, and there is no way to verify rates with them ( either before or even after a transaction ), then it seems that they are fraudulently misleading their customers to believe that foreign currency will be exchanged fairly.
Consumer complaint received 2020-07-12
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, Experian received my claim, which they disregarded and didnt act to remove the accounts from my credit report. These accounts are invalid items which do not belong to me. This is a violation of the California Credit Reporting Act and the FCRA. Please help me to remove this wrong information of my credit report because these accounts are not mine. 

The accounts that are incorrectly reported are the following : 1 ) XXXX XXXX XXXX account # : XXXX date open : XX/XX/XXXX. 

2 ) XXXX XXXX ACCOUNT # XXXX, Date Opened : XX/XX/XXXX.