davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

my name is XXXX my cell is XXXX my email is XXXX, i am a XXXX XXXX XXXX, on XX/XX/2020 i recieved an sba ppp loan for XXXX $ i have my business in my suntrust business account, suntrust recieved the wire from sba and cleared the funds, they then froze my bank account on XX/XX/XXXX with 0 warning or explanation? they lied too me numerous times saying they would release my funds? they havent, i hired an attorney, XXXX XXXX XXXX we have been dealing with the suntrust parasites for 67 days now, they have hurt me, my business, my employees and my family by holding up funds that were needed for my business that has been decimated due to pandemic, sba said they cant freeze my funds, and called suntrust ceo XXXX pure evil, my attorney and i have sent demand letters, made complaints with sba, irs, banking commission, federal reserve and attorney general and have gone too multiple media outlets including XXXX, and XXXX, they have my funds, they are making money off the interest and are destroying my business and my life, please help me immediately, my attorney and i have done everything possible, please help me, thank you, XXXX XXXX XXXX
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

A series of fraudulent charges were made to my chase debit card in mid- XXXX  (  XXXX , I believe ). I was sent a text and followed steps to verify the fraudulent charges. A credit was given to my accoun t ( to the sum of {$310.00} ) for the two purchases ( {$65.00} and {$250.00} )  that actually went through before being marked as fraud.   Later, I received a package that had been processed through fraudulent charges to the same address as listed in my billing information carried with the card. Upon receiving this box  ( a bun ch of coffee mugs I had never ordered, but were the fraudulent purchase ) I called chase to talk to a representative and tell them they some how had the items shipped to me, but there was no return information and the website they were from seemed fake ( " buyourstyle.com and www.customtee '' ). I was told not to worry about it and throw it out or do whatever I wanted with the package since there was no return information.   Weeks later I receive notification that my claim was denied because the company the charges went through verified my address, name, and that the package had been shipped. On top of the fact that I notifie d Chase of my reception of t he package, and was told not to worry about it ; it is easily attainable information through a rudimentary google search that scammers can have items shipped to your billing address ( intentionally or n ot ). Yet, my claim w as denied because they sent me a non-returnable package.
Consumer complaint received 2016-10-04
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ALLY FINANCIAL INC. (TN)

I have sent Ally Financial letters stating that I dispute information they are sending to the credit bureaus. They failed to mark my account as disputed within 30 days of my contact with them on all XXXX of my credit reports which is in clear violation of FDCPA 807 ( 8 ). I have time stamped copies of all XXXX credit reports and a certified mail reciept showing when Ally Financial recieved my letter proving they failed to mark it as disputed.
Consumer complaint received 2015-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: S&S Physician Services, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (DC)

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedure. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. I am opting out of your reporting service.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion is reporting a delinquent account that should not appear on my credit report and they have reduced my FICO and credit score based on an account that has been closed since XX/XX/XXXX which has recently shown up on my credit report as unpaid. The account shows that it was opened XX/XX/XXXX with XXXX but I have not had an account with XXXX and I do not owe them for past services. 
XXXX has billed me {$480.00} for an account they claim was opened on XX/XX/XXXX. I have not been a Direct TV customer since XX/XX/XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted DirectTV but they have not been able or willing to resolve this issue. I am asking the CFBP to exercise it 's rights and duties under the authority of the Congress and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (FL)

This is the second complaint that I have filed with CFPB as the company has not stopped continuously calling me after I TOLD THEM NUMEROUS TIMES that I am not the person that they are looking for. 

These are the companies that harass me daily : XXXX XXXX XXXXProfessional Bureau of Collection of Maryland
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

After carefully reviewing my credit report, I found several violations of the Fair Credit Reporting Act. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are considered to be a transaction. 15 U.S. Code 1666b - Timing of payments section ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given the option to opt out of having late payments post to my report. I currently show late payments of the following accounts : 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 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I have made serval attempts to try to get this matter resolved. Further violation of my rights will result in legal actions. I also have a right to privacy.
Consumer complaint received 2022-09-05
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brennan & Clark, Ltd., LLC (NJ)

I have recently received correspondence from Brennan & Clark Ltd, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, collection agency hired by XXXX XXXX XXXX XXXX XXXX asserting that I am indebted to XXXX for {XXXX However, XXXX has previously communicated with me, explicitly confirming the accurate processing of all payments, and stating that " no further action is needed. '' This confirmation, dated XXXX XXXX XXXX can be verified, directing attention to page # 2 for additional details. 

Furthermore, XXXX XXXX XXXX has reiterated that all payments have been correctly processed, and their records indicate that our office does not owe any payment about this matter. Additionally, I consider the issue resolved, and any further attempts to collect on this alleged debt will be perceived as harassment.
Consumer complaint received 2022-08-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (GA)

This company NCB Management has harassed me about a dent in the amount of {$14000.00} in the months of XXXX, XXXX, and XXXX year of XXXX have asked them not to harass me call nor send me emails and they continue to do it they also said that my debt will continue to harm my credit until I pay them which I do not owe them I owe XXXX company Ive never XXXX any contracts with NCB Management .
Consumer complaint received 2016-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When checking my credit report, today XXXX/XXXX/16, It stated that since my last update onXX/XX/2016, A previously deleted account on my Transunion Credit Report on XXXX/XXXX/16 ; was added back to my credit report. The Debt Collector is XXXX, and the Original Creditor was XXXX XXXX XXXX. The balance on this report on XXXX/XXXX/16, shows balance owed as {$0.00}. When it was originally reported as deleted on XXXX/XXXX/16 amount deleted was {$470.00} and accounts were closed. Reported on XXXX/XXXX/16 credit report for XXXX for same accounts, these were deleted per the original creditors request.
Consumer complaint received 2022-02-11
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. (VA)

I pulled my credit report due to me getting notices that my social security and some of my accounts had been attached to a data breach. I notices some accounts that I was not aware of and unusually increase and charges on other accounts on my report. Disputing thru the credit bureau and company regarding inaccurate accounts and requested validation and verification of debts. Credit bureaus never provided, I requested accounts to be REMOVE AND DELETE from my reports but the account is still reporting and investigation was not done.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I sent a letter to TransUnion a few weeks ago and havent heard anything back as far as if there is an investigation started.
Consumer complaint received 2015-07-30
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (NH)

My daughter wants to return her vehicle 7 months early and payoff the remaining payments on her lease. XXXX is now telling us that we could be responsible for the difference between what they can sell the car for at auction and what the residual value is. Therefore, I will be at their mercy and could wind up with a bill of {$5000.00} or more. We are totally at the their mercy. I have turned in leased cars before and have never experienced anything like this. They have absolutely nothing to lose. Sell the car for {$5000.00} and stick the consumer with the difference. I do not know how this practice is actually legal. I want all consumers to be aware of dealing with VW and what you can possibly be up against.
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I pulled my credit report due to me getting notices that my social security and some of my accounts had been attached to a data breach. I notices some accounts that I was not aware of and unusually increase and charges on other accounts on my report. Disputing thru the credit bureau and company regarding inaccurate accounts and requested validation and verification of debts. Credit bureaus never provided, I requested accounts to be REMOVE AND DELETE from my reports but the account is still reporting and investigation was not done.
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (WA)

I noticed when I was checking my credit score through XXXX XXXX that someone opened up a Chase credit card account in my name. There's no balance yet. It look like it was open XX/XX/2018.
Consumer complaint received 2015-06-20
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I purchased an speaker and I told the guy I wouldhave to come back and get it because XXXX too big to fit into an car a truckwould have to pick it up I told himI would call him if i could n't get a truckand if so will he just give me an refundi asked all of this before i purchase thespeaker he agreed. I called the next day talk to thegirl that works with him I think its it his girlfriend shesaid he was n't in and she would tell himi want to cancel the transaction she said ok ikept calling him i would be told he was n't inhe only works on Monday so i calledon an Monday still he was never in. 
i disputed the transaction this owner told chase ileft with the speaker that was XXXX feet tall imonly XXXX XXXX tall and it would n't have fit in my carhe presented an different receipt looks as ifit was altered ( read letters ) enclosed in theend he sent in no more than me Chase went withthe XXXX man over me that i took this speakerand left with it he said we took the speakeri went to his store and i have an link of himNOW STATING AS EVER WHITE PERSONSAYS " A TALL XXXX UNKNOW MAN '' picked up the speaker HE USES THE '' THE BLACK '' CARD EVERY RACE USETO GET OVER! Your Exe. XXXX XXXX whoI feel is very Prejudice as he wrote mea letter stating HE WILL NOT GIVE ME ACREDIT I called and called this man overand over he never returned a phone or didhe answer the phone I sent him the video link tohear this liar that we sent a ramdon tallblack to pick up speaker when hejust told chase i took it with me orHasani did when i XXXX was theonly one to pick it up that iswhy all my info is wrote on receiptSOMEBODY IS GOING TO GIVE ME MY MONEYBACK PLUS ALL FEES OR THE SPEAKERSIM LEFT WITH A BILL AND NO ITEM THATWILL NOT WORK TODAY OR NEVERI WILL BE SENDING PAPER WORKSMALL CLAIMS SUEING CHASE FORSTRESS DOCTORS BILLS PAIN & SUFFERING MISSED WORK DAYS FOR THETOTAL AMOUNT I CAN SUE FOR $ XXXX. XXXX
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My ex and I submitted all of the documentation required under HAMP and Wells Fargo guidelines to Wells to be considered for a loan modification. My ex no longer occupies the property as his primary residence, though I do. When I initially reached out to Wells Fargo for help, the dedicated loan specialist assigned my case ( XXXX XXXX ), advised me that we did not need to include XXXX whole income since he does not occupy the property. 

Today, I recorded the conversation between XXXX XXXX, XXXX and myself, and recorded him recanting his original advice and then affirming that the only reason that they used his income was to reach the 31 % required for the DTI. 

Mind you, my income is 20 % of the total gross monthly income used by Wells to calculate the DTI. To assume that XXXX should be liable for more than 50 % of the mortgage payment is unfair and unreasonable. And to top it off, the SPOC advised in prior conversations that not all of the income needed to be used. 

Additionally, the interest rate was lowered to 7.125 % when the HAMP floor is 2 %. I am not sure I understand why Wells insists on gouging its customers through higher interest rates when the guidelines specifically allow for the interest rate to be much lower. They also did not extend the term to XXXX years, which guidelines also allow. They kept us at our current amortization cycle. 

It would seem that Wells would rather just take my home than attempt to work with me in a reasonable fashion to resolve the delinquency.
Consumer complaint received 2015-11-09
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (CA)

1. Secured credit card scrutinized by higher-than-normal standardsThis secured card has been in use since 2008 ... which is more than 7 years! Moreover, I have had the secured funds from XXXX other banks ( XXXX, XXXX XXXX XXXX ) already returned. When I called, I was told that the account is reviewed annually. However, I have never received any notification of their findings. I phoned today ( XXXX XXXX ) to ask about their policy. My request to have it reviewed has bee forwarded on to the appropriate department. I could not be given a time expectancy for this review.