davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
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. (NY)

XXXX XXXX has " charged-off '' my balance for purchases that were committed under fraud by the managing member of the business we sold to him on XX/XX/XXXX. On XX/XX/XXXX our card had a zero balance. After the sale, this individual made purchases on this account from XX/XX/XXXX through XX/XX/XXXX and accumulated late fees and interest charges on this until XXXX just " charged-off '' the {$1300.00} balance and it is reported on my personal guarantee. All of the credit card statements were going to the buyer of my business and XXXX XXXX never notified me prior to the " charge-off ''. I noticed the problem on the Experian website on XX/XX/XXXX. I spent well over an hour on XX/XX/XXXX & XX/XX/XXXX phone calls with XXXX XXXX but they continued to tell me that they can not provide me with any details due to their information policies. Since this was on my personal guarantee, I should be supplied with all attempts to collect on this account from the buyer of he business and any other pertinent details. The XXXX representatives forwarded me to their XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX. That just allowed me to waste more time on hold and talking to people who could not give me a single detail about my situation.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$34000.00}, {$7700.00}, {$4000.00}, {$19000.00}, {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

on XX/XX/XXXX my PayPal business account was limited. Paypal sent me an email on this day stating that my funds would be held for 180 days. After 180 days were up, my money would be released. This did not happen. Instead, on XXXX XXXX, XXXX, PayPal ILLEGALLY withdrew my money from my account into theirs. This is XXXX!! The transaction ID is XXXX. The amount XXXX by PayPal is {$1200.00} USD. 
This is an XXXX and XXXX business practice not to mention it is illegal to XXXX! I want my full amount owed deposited into my bank account right away. PayPal needs to be held accountable. I am also joining a class action lawsuit. This is a known issue that PayPal has been doing illegally to its customers. There is evidence of Class actions online. All i had to do was XXXX " paypal XXXX my money after 180 days ''. I suggest you do the same. You will see others in my exact same situation. PayPal needs to be fined ad XXXX XXXX  brought against them. I will provide any thing needed to get this done.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my credit report I noticed an account from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-former I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-former diligent examination of this matter.
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

On XX/XX/2019, my U.S. Bank account ( which currently had a negative AVAILABLE balance at the time ) posted an ACH deposit from my employer in the amount of {$1100.00}. 

Subsequently, in chronological order, the US Bank went on to assess me four separate overdraft fees totaling {$140.00} for transactions that occurred AFTER the deposit had posted, a fact which is clearly supported by the " snapshot transaction '' feature, which shows a positive balance more than sufficient to cover the overdrafts which, until they POSTED on the SAME BUSINESS DAY were phantom transactions in a " pending '' status, in which funds had not yet been paid out to the respective merchants. 

This is a very sneaky and questionable banking practice from an institution who vaunts its credentials on it website as " One the World 's Most Ethical Companies '' for five years in a row.
Consumer complaint received 2021-03-01
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: DISCOVER BANK (TX)

I had a hard inquiry on XXXX  that caused a 6 point decrease. Upon checking on it I found that on XX/XX/XXXX Discovery Financial SVC attempted to pull my file. I called Discovery @ XXXX and spoke to 3 different class of service providers and none can find my info under my name, ss, or phone number. I have zero accounts according to their records. XXXX  will not dispute without 3 letters, one of which need to be from Discovery, who can not write me a letter due to they have never seen info on me, or a police report, or FTC. When reaching out to FTC it send me here. So what do I do now?
Consumer complaint received 2022-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have been contacting Experian over the last few months to correct an issue with my account with XXXX XXXX XXXX. This account was paid off in full last XXXX. The last thing I heard from Experian was that the information was correct. I contacted the lender and was told that they were indeed reporting the account as paid in full/closed. I have been trying to reach someone at Experian but have not been able to get ahold of a live agent. There is no possible way they contacted the finance company to verify this information. Their incorrect information and lack of interest in reporting accurate is insane
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX I called Citi bank for a fraud involving my account. I took a job offer that I received from my college university stating that the job was from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The employer instructed me that I will be receiving checks that are donations and that I will have to send those donations out to orphanages via XXXX. Starting XX/XX/XXXXI started getting checks that are worth {$2500.00} til XX/XX/XXXX, totaling up to XXXX checks each worth {$2500.00} ( {$10000.00} in total ). Citi bank have put in the funds and notified me that they accepted the check in my account, therefore I have sent out the money via XXXX as instructed by my employer of the same amount of {$2500.00}. By the fourth check which was deposited XX/XX/XXXX, I get a notification on XX/XX/XXXX from my bank saying that my checking account is negative and it is due to the fact that the last check of {$2500.00} got voided and I already sent out the money through XXXX as instructed. I gave Citibank a call to file a fraud complaint and they said that the rest of the XXXX checks with a total of $ XXXXfrom before will also be voided once it gets cleared by the bank and will deduct it from my checking account totaling up to {$10000.00} for all XXXX checks. They said they cant file a dispute as it is a mobile check and by law banks have to put the funds in my account when a check is deposited whether or not it will go through once its been cleared. They then transferred me to XXXX department for the XXXX transactions that I was told to send out. They asked me a few questions such as if I authorized the transaction, and I told them that that is what I was instructed to do from my employer. I only got a notification from XX/XX/XXXX that the check was voided when all the money has been sent out to the designated person via XXXX. They said that I do not qualify for a refund and they will send me a letter through mail.
Consumer complaint received 2019-03-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

I sent {$220.00} to my friend in XXXX XXXX ( XXXX ) with MONEYGRAM, they will not release the money to her. Contacted MONEYGRAM and requested the money refunded back to me and they refused.
Consumer complaint received 2019-03-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

***Please be advised : I am the alleged co-signer, XXXX XXXX XXXX who is writing this complaint***** XX/XX/XXXX - Received phone call and provided information to XXXX XXXX to co-sign for a loan for around {$8000.00} for step daughter, XXXX XXXX . I provided information. I may have been faxed a document to sign, although I do not have a copy. I've asked Navient for this and the 2nd document I will discuss next at least 4 times in the last 1.5 years and all I have received from them is a copy of two typed Promissory Notes ( Loan 1 : {$8200.00} and Loan 2 : {$13000.00} ). These documents allegedly contain my electronic signature, but I did NOT sign any documents electronically then or anytime for the XXXX XXXX. I lived in Washington state at the time and XXXX lived in XXXX, VA. 

Loan 1 Promissory Note : Appears to have the information I provided Loan 2 Promissory Note : Has wrong and old zip code listed and my name is not capitalized. I do not ever prepare documents in this manner. I have worked in a XXXX XXXX   position in the XXXX XXXX XXXX since XXXX and am extremely particular about how I complete official documents. 

In my telephonic conversations with Navient, I have expressed to them that I did NOT co-sign or agree to co-sign for more than one loan and have stated to them that I would like to see if I ever actually co-signed for the 2nd loan. There response is always, that I will need to complete documents that declare Fraud on XXXX 's part, in order to have the loans removed from my name. 

If these loans were electronically signed, I am sure XXXX did sign them, but I do not want her to be prosecuted for this. These loans were predatory at best and she was 22 years of age at the time, being assured by this school that she had a 90 percent chance of getting a job in her chosen career upon graduation. 

Finally, now Navient has reported ME late in payment to the Credit Bureaus and I only spoke to them today, at which time, I immediately made the overdue payments. I would request assistance in having this negative information removed from my credit reports. 

Additionally, I would request assistance in having my name removed from loans. If they can produce my signature on the 1st loan for XXXX, then I will obviously bear the responsibility, but I did not sign nor have anything to do with the 2nd loan. 

Navient is coercing me to pay for something that is not my responsibility as I have continuously told them, by reporting XXXX 's lack of payment to my credit bureau. This bad reporting could affect my security clearance, which obviously is my income. Navient will not let me rightfully remove myself without accusing XXXX of fraud, when in fact the XXXX XXXX and Sallie Mae are most likely the culprits. 

XXXX XXXX
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (IL)

I have called these companies and told them about the inaccurate information on my credit report and nothing have been done I will like for the information to be fixed I have also sent out letter to these credit report agencies and their has not been nothing done with in the 30 day time limit of the letter which is violation of the FCRA dates that i have reached out have been XX/XX/2017 and no actions have been made to complete the accurate information
Consumer complaint received 2023-07-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to XXXX on XX/XX/XXXX. Unfortunately, XXXX has not responded to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 
Upon reviewing my credit report, I have identified several instances of inaccurate information that require correction. The details of the inaccurate information and the required corrections are as follows : XXXX. Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXX. Account Name : XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$940.00} XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$8500.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3500.00} XXXX. Account Name : XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6300.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3600.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$60.00}
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I have received ON AVERAGE 2 calls a day from Portfolio Recovery Associates. I called them back to see what they could possibly be calling for ( I have no debt to be collected ) and after giving my name they said they had the wrong number. I was HARASSED for months for something that was not even meant for me! This is beyond frustrating and should NOT be happening!
Consumer complaint received 2021-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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'm not swayed that Transunion Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-03-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Complaint re HSBC branch address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear CFPB Supervisor : I am writing to report an on-going retaliation from HSBC against me for filing a complaint about HSBCs local XXXX XXXX branch manager to CFPB. ( Complaint # XXXX ) On Friday, XX/XX/2019, I received a shocking voice message from the same HSBC local branch, that they will close my account. They ordered me to provide a utility bill to prove my address ; or else. I explained to HSBC representatives that I did not have a utility bill, since I live with a partner and have never paid for utility. ( Follow-up # XXXX ) I fully cooperated and offered other reasonable proof, e.g., DMV registration ; tax records ; paycheck documentation ; or an affidavit under penalty of perjury ( from me and my partner, confirming my address ). Additionally, I even offered to add my name to the utility bill for the sake of HSBCs utility bill request.

HSBC rejected all of the above last week. Worse, now they even added MORE RESTRICTION. Now, HSBC would only accept proofs dated within the last 60 days.

This latest requirement was added AFTER I contacted HSBC multiple times last week and discussed ways I could meet their proof. Once they learned from me what available documentations I have, HSBC specifically created a new hurdle to overcome : last 60-day correspondence requirement.

I spoke to HBSC customer service representative, XXXX, on XX/XX/2019, to explain why HSBCs latest requirement was excessive and unduly burdensomeespecially in light of the available options that could be provided HSBC as proof. 

In XXXX, I originally came to HSBC because of a special program they offered : a {$370.00} bonus plus {$100.00} referral to open a checking/savings account. I deposited {$10000.00} usd. I also opened a {$100000.00} certificate of deposit ( CD ) for one year, earning 2.5 % monthly interest. I was NEVER advised of these extreme proofs at the time of enrollmentotherwise, I and my friend would never have joined HSBC, and suffer these on-going cruel tactics.

It has become very clear to me and my family that HSBC is trying to close my account as a way to cut off any responsibility for the grievances I submitted to the CFPB. I have spent countless hours to resolve their sudden request -- as they kept moving the goal posts. Prior to this, I suffered even more aggravations from the branch manager, XXXX XXXX, for his mishandling of my account, subjecting it to a heavy hit credit check. 

I urge CFPB to stop retaliation from HSBC directed at me and advise HSBC to accept reasonable forms of I have offered. These proofs have been customary forms of accepted documentations by numerous institutions.

If HSBC forcibly closes my account, then the fair resolution would be to compensate me for the bonus {$470.00} dollars and annual 2.5 % CD interests that I would have accrued had my account been left in peace. 

Please feel free to contact me with any questions.
Consumer complaint received 2019-03-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

In the last three months, my private student loan servicer, AES, has locked me out of my online account. Whether or not I am up to date on my payments, I have a legal right to access information pertaining to my debt. AES is violating my right to access my information online and has not honored the online account management services.
Consumer complaint received 2018-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (SC)

I checked my credit report and noticed a debt owed to a company that i don't ever recall having a financial agreement with. I mailed the company a letter to verify and validate the debt owed, but my requests were ignored. I disputed the debt with the credit reporting agencies, and it came back as accurate. The following account needs to be removed immediately : Account Name : XXXX XXXX. Account Number : XXXX. Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was going over my credit report I noticed an from XXXX XXXX XXXX {$1800.00}, XXXX XXXX {$54.00}, I have never had an account or contract for service with THESE COMPANIES. I was recently a victim of fraud and I demand that they provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX diligent examination of this matter.