davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NY)

I have never had any contact with the current parties requesting me to pay off a debt of XXXX XXXX The two companies are XXXX XXXX XXXX, and the debt collection agency is Hunter Warfield. Somebody got a hold of my social security perhaps and opened an account or loan/lease for an apartment at XXXX XXXX XXXX I have never physically and personally signed and paper work nor have I given any information about living at that specific location and I have never lived there at all. This debt does not correspond to me.
Consumer complaint received 2020-10-11
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: Early Warning Services, LLC (GA)

I contacted EWS regarding how XXXX was reporting me and that I was a victim of Identity Fraud, but they disregarded my claim and stated that they " verified '' that the information was accurate although I had an active fraud alert on my account. 

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ),  while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

This message is to inform the public of I C Systems collection agency in XXXX XXXX, Minnesota. This company continues to report a paid debt to the credit bureau. The debt was paid in 2017. The debt was addressed with the company in XX/XX/2017 via email correspondence. A receipt of payment has been submitted multiple times over the past 3 years about this debt. Im interested in pursuing legal action again this company.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX and XX/XX/XXXX I utilized the mobile capture to deposit two unemployment checks from the state of Florida on a XXXX XXXX account to my American Express Serve account. American Express directed me to use XXXX XXXX XXXX. Which I did, however, I received an email from XXXX " Transaction Notice! 
Your check transaction is not approved. 
Unfortunately, we are unable to approve your check Transaction ID XXXX dated XX/XX/XXXX. Your check will not be processed and the funds will not be added to your Serve Accounts Available Balance. 

Your check has not been processed. Your check remains valid and may be deposited or cashed elsewhere at a later time. 

Checks may not be approved for a variety of reasons, including : Check was not endorsed Check images are illegible Check was not written to you as your name appears on your Serve Account A properly voided image of the check was not received You can view all of your Mobile Check Capture by XXXX XXXX transactions in your Serve Transaction History under View Transactions or by tapping My History on the XXXX XXXX welcome screen within your Serve Mobile app. 

If you need to resubmit your voided check image, call XXXX XXXX at ( XXXX ) XXXX. 

I called that number to find out why I was unable to deposit the checks but no one answered although I was first in line. I waited each time I called for up to 30 minutes. I reached out to American Express, who were unable to reach anyone at XXXX or provide me with an answer. I call American Express several time and was either misdirected or sent to someone who eventually disconnected the call. 

I am thinking that this is unfair and deceptive as American Express is utilizing a third party vendor/provided that is a ghost. Even their employees are unable to reach the so called vendor.
Consumer complaint received 2022-01-06
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)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Date Opened : XX/XX/2019 XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$760.00} XXXX {$1200.00}
Consumer complaint received 2019-05-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NJ)

My husband ( now ex-husband ) opened up a CD, IRA in my name in XXXX of 1990 at the XXXX XXXX  in XXXX NJ. It was in the amount of {$620.00} with an 8.20 % interest rate that would mature when I am XXXX years old. I am currently XXXX years old. 
I have been holding onto this paperwork since my divorce 18 years ago. I have contacted the bank PNC which bought out XXXX XXXX in the late 1990 's. They report having no records of the above CD. I have been given the run around and can not find any support. 
I have the paperwork in my possession. 
Please let me know what my options are. Thank you kindly for attending to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: United PanAm Financial Corp. (LA)

On XX/XX/XXXX UNITED AUTO CREDIT CORP omitted fraudulent information to the credit bureau. I had voluntary repossession of the vehicle in XX/XX/XXXX, due to it being stolen. I received documentation that they would sale the vehicle at auction and update me with the remaining balance. Also, the fraudulent information that was omitted ensued that I had late payments since XX/XX/XXXX. I haven't paid since XX/XX/XXXX.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

I'm issuing a complaint against XXXX XXXX. XXXX has placed an account in collections since XXXX, which opened due to fraud. I have sent XXXX a copy of my police report and closed bank statement XX/XX/XXXX, indicating I was a victim of fraud. I've worked with XXXX and Experian numerous times to remove the account, and the company has refused to remove the negative mark and account from my credit report. I've been turned down for a loan due to the negative reporting and denied refinancing my student loans. The XXXX companies are now violating the Fair Credit Reporting Act and performing defamation of character. A representative advised several months ago, XXXX received my paperwork to work on the fraud activity, and I still have no results. On XX/XX/XXXX, a representative stated the fraud department closed my case without contacting me or removing the account.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (WA)

I cancelled my XXXX XXXX account and returned my equipment XX/XX/XXXX. I kept getting billed for the amount of the equipment, even though I had already returned it. It wasn't until late XX/XX/XXXX that they finally credited my account ( I have the return receipt to prove it was returned ). During this time, XXXX XXXX sent the bill for {$140.00} to collection. When they finally credited my account, I contacted XXXX XXXX to check my balance. I was told my account had a XXXX  balance and the agent suggested the {$2.00} had been written off. They were not even aware my bill had been sent to collection. 
When I contacted Credence, with the assistance of XXXX XXXX, Credence argued that the entire balance of {$140.00} was an outstanding debt. The only amount that may have been outstanding was the {$2.00}, which I paid at that time, even though XXXX XXXX told me I owed nothing. 
I have appealed this negative record on my credit report and Credence refuses to remove the {$140.00} that I never owed.
Consumer complaint received 2021-02-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (NJ)

On XX/XX/XXXX I received a letter from Fedloan that my payment terms had changed and my payment was going to increase due to previous monthly payment amount not be sufficient to pay off your loans within the time period allotted. 
When I received this letter I knew immediately something was wrong AGAIN ( I have made prior complaints through CFPB and Dept of Education regarding Fedloan ). 

My payment terms should not be changing due to : 1. payments being suspended due to COVID. 
2. my payment should not be increasing due to the 0 % interest rate since XX/XX/XXXX. 

0 % interest rate saves money overall, even though my payment won't be lower. The full amount of my payment should be applied to the principle balance of the loan. I was up to date with my payments prior to the payment suspension period began, interest accrued prior to XX/XX/XXXX, will not capitalize. Therefore no outstanding interest will be added to my principle balance when payment suspension ends. 

Despite not having to pay my loan I have continued to make payments : {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX Repayment terms : XXXX XX/XX/XXXX Repayment amount {$28000.00} - 90 months {$310.00} 1 month {$310.00} Repayment amount {$78000.00} 90 months XXXX 1 month XXXX Total : {$1100.00} New repayment terms XXXX ( this date is incorrect it should be XX/XX/XXXX ) Repayment amount {$25000.00} 76 months XXXX 1 month XXXX Repayment {$69000.00} 76 months XXXX 1 month XXXX Total : {$1200.00} I should not have to pay more I should actually being pay less especially since I have resumed my payments. 
first loan amount is reduced by {$3300.00} ( $ XXXX now {$25000.00} ) second loan amount is reduced by {$8900.00} ( $ XXXX now {$69000.00} )
Consumer complaint received 2024-03-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (CA)

Prince Parker and associates contacted me on XX/XX/2024 about a supposed debt I owed to XXXX XXXX. I told the caller I had no bills owed to XXXX and my account was paid in full and all equipment was returned. I asked if she was sure it was for XXXX? She said yes. I then said I have never received any bills in the mail from XXXX nor from the collection agency she was calling from. I stated this was not my debt. I reiterated I have received no bills or statements to collaborate this debt and it was not mine and please mail statement stating I owe this debt. I have received nothing to date. 

I then noticed a change to my credit report on XXXX XXXX to include this supposed debt. 

I received another phone call on XX/XX/XXXX and the caller again said it was about a debt owed to XXXX XXXX. I again told her, this is not my debt. To date I still have not received any type of bill, statement, or any notification that I owe this debt from either company. She then goes on to state that Prince Parker mailed something one time and that is all they were obligated to do. I reiterated about 5 times, I have not received anything from either company and until I receive statements that prove I owe this debt I refuse to pay and state this is not a valid debt in my name. She then proceeded to hang up on me for no apparent reason. All I am requesting is proof I owe this debt, which is something they are refusing to give me. 

This is now affecting my credit, and their unlawful conduct should be noted and they should be prosecuted for scamming innocent consumers. They must provide proof, and when they refuse and hang up?
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

I am a victim of fraudulent information reporting and I am filing this complaint to MACYS/CBNA. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Rocket Mortgage, LLC (MD)

I refinanced with the same Mortgage company ( Quicken Loans ) in  XX/XX/2020. My first refinanced payment was due XX/XX/2020. I was already previously set up on Auto Pay and when the new refinance happened was under the impression that the Auto pay would in fact continue.I am currently since XX/XX/2020 set up on Auto Pay. However the auto pay did not transfer and i have called and spoken with XXXX & XXXX in Consumer Relations and they said to me that the 30 day late was valid and would NOT do anything to adjust this error.
Consumer complaint received 2022-01-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

Experian is reporting on debts I do not owe. XXXX XXXX and XXXX XXXX debts are not mine! Experian continues to report and verifies these items. I have requested proof of verification on multiple occasions, and they fail to send me any information. My identity was stolen years ago and made a police report. My police report # XXXX. I have never signed any documentation to these creditors.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I am having a issues with the rep XXXX to help dispute items that are over the statute of limitations and she is telling me to contact the debt holder but these items should be removed because they are over the 7 year limits and some have been transferred to another lender and reporting on my report twice. Equifax refuses to remove or help me dispute the items listed below. XXXX XXXX XXXX Closed : XXXX XXXX, XXXX - {$0.00} Closed Overview You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$2200.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs, 6 mos ) Term 120 months XXXX XXXX XXXX Closed : XXXX XXXX, XXXX - {$0.00} Closed Overview You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 8 yrs, 5 mos ) Term months {$410.00} Closed Overview You 've paid off 100 % of the original amount. Balance {$410.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs ) Term 6 months XXXX XXXX XXXX - {$210.00} Closed Overview You 've paid off 100 % of the original amount. Balance {$210.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs ) Term months
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TX)

I have a Chase XXXX card. Per the agreement, I should not be charged interest if I pay my balance in full before the due date. Even when I pay my balance in full before the due date, Chase still charges interest and refuses to explain why they have charged interest in violation of the agreement or provide the interest calculation. I manage credit cards for a large company and have never had these issues with other credit card companies. I will be closing the card as a result of these issues with Chase.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (SC)

I own a XXXX XXXX  in XXXX SC and my vendor is a XXXX based company so I felt that dealing with TD bank was a no brainer they also being XXXX based. Due to the Corona virus pandemic my company requested we pay with card as to not be passing checks to drivers or dealing with more mail than necessary and to offset them losing money to people not being able to pay due to the virus. On XX/XX/XXXX I paid them {$20000.00} and then on XXXX I paid another {$7900.00}. I was looking over my bank acct statement later and noticed these charges totaling {$850.00} ( {$610.00} and {$230.00} ), I XXXX  the the payee ( XXXX XXXX XXXX  ) and found that TD started charging in XXXX a 3 % fee for paying out of country. I tried to speak with the local branch in XXXX XXXX who only said it is a legitimate fee, I asked my bank in XXXX who spoke to someone higher who said nothing they could do, I called the customer service number and XXXX XXXX. No one seemed willing to discuss it or care to actually hear my complaint. I feel they took advantage of me during a time of crisis, I have always paid by check but was requested due to the virus not to send checks. If I go to a non TD atm I get a warning about a fee that will be charged, would it not be a good idea to say hey you are going to be charged {$850.00} if you make these payments? They say they sent out the information but I do all my communications through email as I am rarely at home and do very little mail service, so I can assure you I had not seen this charge announced or I would have never given up a weeks pay to send money to my vendor.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Rewards — 
Company: BB&T CORPORATION (AL)

My credit card account was closed due to inactivity. I was not notified this would be happening. I have/had {$610.00} in rewards associated with the account and now they are saying since the account was closed they are forfeited. I feel this is an unfair business practice since I had been a good customer and earned rewards for my purchases. They should have notified me that my account would be closed for inactivity. Had I known, I would have claimed my rewards and possibly used the account to keep it open. At this point, I would like to claim the rewards that I had earned which was {$610.00}.
Consumer complaint received 2021-09-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

WE SOLD A VEHICLE ON XX/XX/2021 AND WERE GIVEN A CASHIERS CHECK FOR PAYMENT. WE DEPOSITED THE CHECK ON XXXX TO OUR BANK XXXX XXXX AND WERE GIVEN A DATE OF XX/XX/2021 FOR THOSE FUNDS TO BE RELEASED. THAT DATE CAME AND FUNDS WERE NOT RELEASED. WE IMMEDIATELY CALLED XXXX XXXX TO FIND OUT WHAT HAPPENED AND WERE GIVEN A MESSAGE TO CONTACT THE ISSUER OF THE CHECK. THIS WAS THE MESSAGE THAT WAS GIVEN TO XXXX XXXX. BANK OF AMERICA WAS WHO ISSUED THE CHECK.. THEY TOLD US THE FUNDS WERE RELEASED ON XX/XX/2021 AND THAT EVERYTHING WAS FINE. XXXX XXXX IS SAYING NOTHING OTHER THEN THEY HAVE NOT RELEASED THE FUNDS AND THE ISSUE IS WITH BANK OF AMERICA. THE CHECK WAS FOR {$19000.00} DOLLARS AND WE HAVE YET TO RECIEVE A LOGICAL EXPLAINATION OF WHO HAS THE FUNDS AND WHERE THEY ARE. BOTH BANKS ARE BLAMING EACH OTHER AND NO ONE HAS A DIFINITIVE ANSWER. XXXX XXXX IS SAYING THAT BANK OF AMERICA HAS NOT RELEASED THE FUNDS AND BANK OF AMERICA IS SAYING THAT XXXX XXXX HAS NOT RELEASED THE FUNDS.