davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Back in XX/XX/XXXX I got a call from a XXXX XXXX Credit card company saying that I was past due on my credit card. I have never applied for this card, so I asked when it was open and how much was owed ant the address on this card. I was told that it was open XX/XX/XXXX, there was a balance of {$140.00} on the card. I was told that it was sent to an apartment. She would not give me the address. I told her that I DO NOT live in an apartment I have lived in the house or the past 16 years. She told me that it was only the start up fee and late fees that were on the card. I have told her that it needs to be closed, I did not get it or apply for it. She said it would be closed and I would receive a letter. It can take up to 90 days for it to be cleared off my credit report. 
I have received a letter stating that the account is closed. Still to this day, it is on my credit report, causing major issues. It shows it as currently open, That I am LATE on the payment with a negative pay status. 
This needs to come off my credit report, it is now XX/XX/XXXX, and it is still on there.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (IN)

Refer to prior complaint number # XXXX against Caine & Weiner for previous history. 

Update and new issue - XXXX XXXX had turned me over to Caine & Weiner on a matter of identity theft and fraud. I filed a complaint on XX/XX/XXXX against Caine & Weiner as it is unlawful to turn a fraudulent matter over to a collection agency and it should have never been turned over to begin with. 

Caine & Weiner responded to the CFPB on XX/XX/XXXX and stated " Closed with explanation - Prior to receipt of this complaint and based upon our conversations with the consumer our office has closed our file as disputed to allow for the consumer and the creditor to resolve the spite amicably. No information has been reported to the credit reporting agencies. The consumer is encouraged to contact our main office at _ and ask to speak with a manager if there are any additional questions regarding the account assigned to our office. The consumer is encouraged to contact the creditor directly with any additional questions regarding the status of the creditor 's file. '' I have been in constant communication with XXXX XXXX since, and they said they rectified the issue on their end. 

Today, XX/XX/XXXX, three months later, I receive a letter from Caine & Weiner dated on XX/XX/XXXX that the account was paid in full. 

This is insane. There was no account to begin with! This should never have taken place as XXXX XXXX  had no right to turn me over to a collection agency as it was a matter of identity theft and fraud! 

How can an account that was closed as disputed due to fraudulent identity theft be suddenly paid in full? 

I called Caine-Weiner, and they stated that the account showed as " PAID '' and not closed!
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

Td bank claims I own them money for a checking account that was opened under my name I never have lived in XXXX XXXX XXXX XXXX XXXX nj XXXX I live in XXXX XXXX XXXX XXXX New Jersey XXXX td bank dont have my drivers license or information that was used they must get rid of this account as it is in collections and affecting my ability to open up a bank account
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It is essential to note that I did not grant permission for these accounts, and their presence is causing me substantial distress. I kindly ask that you prioritize this issue, carry out a comprehensive investigation, and expeditiously remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely valued.
Consumer complaint received 2023-02-23
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. (AZ)

I'm a victim of identity theft. Pursuant to section 605B you must remove the fraudulent addresses and accounts. I've atttached FTC filings, drivers license, SSN and a utility bill to prove my identity.
Consumer complaint received 2021-08-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: WELLS FARGO & COMPANY (DE)

On XX/XX/21, I went into XXXX XXXX to buy a new car with my dad. I ended up buying the XXXX with a cash deposit of $ XXXX and a trade in worth $ XXXX, financing {$18000.00}. At first, we did not like the APR of 3.74 %. We asked XXXX ( General Sales Manager ) if we could get a lower rate and he told us no. He explained that although my credit score was XXXX, I only had student loans and credit cards. I did not have any auto loans or mortgages and therefore, according to him, I don't have any real debt. However, a student loan and an auto loan are both installment loans. I have never missed a payment on my student loan. We then asked if we could get our own financing and he told us no, that all financing had to go through the dealership. Then, we asked him to turn the deal into cash and he told us that they are not accepting cash deals and if we wanted to buy the car, we had to finance through the dealership. Since I needed the car, I agreed to the finance deal. My dad told XXXX that he would pay off the loan with the first statement. XXXX told us we could not do that, we had to wait 3 months before we could pay off the loan ( there were no deals or special financing ). I have three concerns : 1. As an agent of the bank, XXXX knowingly and willingly misrepresented the terms and conditions of the loan for additional profit. During the signing of the contract, we read that there was no prepayment penalty and we did not have to wait 3 months. This is Fraud! I would like to see an audit of all of their finance deals to see how many people paid off their loan in 3-4 months. It would be nice to know how widespread this fraud is. 
2. I am confused on why XXXX gave us a higher rate because I don't have a car loan. He told me I don't have any " real '' credit. Student loans and car loans are both installment loans. I put down a deposit of over 50 %, my FICO score is XXXX and I have a perfect payment history with my credit cards and student loans, I should have qualified for a lower rate. What rate did Wells Fargo assign and what was the additional percentage XXXX added onto the loan? What criteria did XXXX use to come up with this new rate? Since XXXX 's priority is profit for the dealer and himself, does he use the same criteria for each customer or does he arbitrability assign a rate to each customer? I feel that he was taking advantage of me because I am a young female. 
3. It is my understanding that it is illegal to force someone to finance a product and not accept cash. If there was an audit of their sales for the last 30-60 days, I am pretty sure you would see some cash transactions. So why did they refuse to sell me the car for cash? So, what criteria did XXXX use when applying the " no cash policy ''? Does this dealership always take advantage of young female customers?
Consumer complaint received 2020-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (NJ)

I used XXXX app which utilizes XXXX to connect to my PNC bank account to send me money when my funds are running low, but apparently theres an issue between XXXX and PNC currently and i need the funds
Consumer complaint received 2020-10-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Im a customer who is a receiver of the money transfer from the XXXX XXXX to United States. on XXXX XXXX I went to the CVS Pharmacy to collect the Money I use the MoneyGram kiosks to start my transaction and then proceed to the cvs cashier to complete my transaction during the process the CVS agent told me that they only can give {$500.00} max at the Location because I was receiving more than the maximum amount and we have to cancel the transaction, so we cancel the transaction and then I went ahead to the next MoneyGram locations when I try to receive money from XXXX  which was the next location that was open at that time it was after XXXX so the store was all closed up accept for the groceries store and CVS , they said that the Refrence number is invalid so we go ahead and check the Refrence number status and it says money has been picked up ( BUT I DIDNT RECEIVE ANY MONEY ) I came back to the CVS LOCATION TALK TO THE CASHIER AND HIS MANAGER THEY TOLD ME TO CALL MONEYGRAM AND TALK TO THEM, because they didnt give me any money and they are also closing and if the MoneyGram agent want to talk to him he is willing to talk to them. I call MoneyGram they told me they want to speak to the Agent but the CVS STORE WAS ALREADY CLOSED since I was the last Customer. I ask them if I could go back the Next Day and ask the cashier that helps me. When I went the next day he was not there. So I called MoneyGram again and try to ask the CVS EMPLOYEE TO TALK TO THEM IT WAS THE DIFFERENT EMPLOYEE SO SHE WAS NOT IN ANY HELP BECAUSE SHE WAS NOT AT THE STORE WHEN ALL THIS PROBLEM HAPPENS and due to the employee privacy they couldnt tell me his next shift so I waited for the next same Day which was on a Sunday and the Same time I did the Transaction which is Around XXXX. Because thats what the Money Gram Agent told me, when Sunday Came the CVS EMPLOYEE was willing to talk to them, they just shut me off and told me they can not give me any information and the final decision about the money has been made. I just dont get it, their final decision was the refund of XXXX. I have a witness who was willing to talk to them about this transaction. But they didnt let him explain or let us prove them that I didnt pick up any money their were 2 CVS agent who was their that night who knew everything that happened on the XXXX of XXXX between XXXX and XXXX was willing to talk to the MoneyGram. But they just go ahead with closing my case with XXXX this is not fair and I need that Money.it has caused a lot of problems in my Family because the Sender who is my Husband has blame me too that I already picked up the Money because MoneyGram came to a Selfish conclusion and the CVS agent is still willing to talk to them about my transaction. Please, please if You could look into my Case I would appreciate that Thank you. Our Case number on MoneyGram is XXXX
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (CA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI (FL)

I owed General Revenue {$600.00} collection from a college I didnt attend back in 2019. I agreed to a pay in full settlement of {$300.00} on XX/XX/XXXX. A week goes by it says I owe a collection of {$300.00} and Im like XXXX so I call them they tell me the account was closed I just need to wait for XXXX XXXX to update. Now 2 more weeks have passed now it says I have a missed payment and the collection is now back at {$600.00}. I tried calling over and over but was told agents were busy until I finally got through to hear someone say end call and hung up the phone on me which this happened multiple times and I grew more and more frustrated. I have a copy of the receipt they sent me where I paid for it but this company has been nothing but rude and disrespectful they whole time dealing with this stuff.
Consumer complaint received 2023-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (IL)

Sent to debt collector : I am writing to you to dispute your collections debt on account XXXX as well as any other accounts under my name. 
According to Public Law 117-2, American Rescue Plan Act of 2021 ( ARP ), Section 8007 signed XX/XX/XXXX, all Veteran copayments for medicare and pharmacy services provided XX/XX/XXXX through XXXX XXXX will be canceled. 

Please provide any evidence that these debts do not qualify or have not been canceled.
Consumer complaint received 2020-11-16
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 filed a Consumer Finance complaint previously with XXXX XXXX regarding account XXXX. They responded and stated they would have the account removed from the credit bureaus, but when I check my Experian report the account is still showing.
Consumer complaint received 2020-11-16
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. (CA)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately. 
The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

Someone fraudulently applied for unemployment benefits in my name and now I have received a pin number and debit card from US Bank. I Have tried to notify Unemployment by phone, email, chat and mail. On line the first appointment is XX/XX/2020 which is 19 days away and that is only to chat on line. I am filling out forms for UE Fraud with XXXX XXXX XXXX and through my employer. I have never filed for UE.
Consumer complaint received 2021-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I have never missed a payment on my student loans, and I am currently on track for TEPSLF. I have worked for a qualifying employer for nearing 10 years, since XX/XX/XXXX of XXXX, with a qualifying payment plan. 

When my loans were transferred to FedLoanServicing for PSLF, I noticed over a year 's worth of payments to one of my previous, now defunct, servicers, " Direct Loan Servicing '' were not being counted toward PSLF or TEPSLF despite being over a year 's worth of payments made under the standard repayment plan while working for a qualifying employer. This period is being classified as " No bill '' - except I certainly had bills during this time, because I still have the receipts! 

In XXXX of XXXX I submitted over a year 's worth of receipts to FedLoanServicing so these payments, and a few others, could be manually tabulated. If tabulated correctly, I should qualify for TEPSLF in XXXX of XXXX. I have been waiting 10 months for them to do this. Every time I reach out to them requesting an update, I get a non-answer or more incorrect information. They scheduled a review of my account for the months from XX/XX/XXXX to XX/XX/XXXX when this review should be from XX/XX/XXXX through XX/XX/XXXX. They are also listing any time my loans were transferred to other servicers as months that do not qualify, despite being instructed by these servicers to continue making payments as usual until the transfer was complete. I have two months until I *should* be at 120 qualifying payments ( I was hired by a qualifying employer on XX/XX/XXXX and continue to work there ). Instead FedLoan Servicing 's complete incompetence has resulted in my estimated date for qualifying for forgiveness being XXXX. 

I was recently informed that FedLoanServicing will be transferring my loans to yet another service provider some time this year. I am livid. I am concerned I will have to start this process all over again, or continue making payments well beyond when I should need to. Refunding that money after this is finally corrected will not be an acceptable resolution. I have contacted FedLoanServicing every month since XXXX to try and get an update on the status of my request, and I just get the run around. This is so unacceptable it is absurd.
Consumer complaint received 2021-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and XXXX
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (VA)

I received a statement from Chase XXXX Mileageplus credit card for an annual fee of {$95.00} for a credit card ( account number XXXX XXXX XXXX XXXX ) that I had not applied for. On XXXX, I called Chase customer service and was informed that an application for the credit card had been received. I informed them I had not applied for this account, which apparently had been opened in XXXX, and they closed the account, which had seen no activity, and later waived the annual fee. I was told that all records related to this account would be sent to me, but to date, I have not received the application or any other documents related to opening this account. Knowing the recent XXXX XXXX scandal regarding the opening of unauthorized accounts, I am suspicious that Chase may have been doing the same thing. I am writing to make you aware of this incident in case others have also been victimized in this way. 

I filed reports with the FTC and my local police department and notified all 3 credit monitoring agencies about the fraudulent card. I then placed security freezes with all 3 credit monitoring agencies, and extended the freeze earlier this month. According to the Virginia Attorney General 's Office, I have the right to obtain documents relating to fraudulent transactions or accounts opened using your personal information. I sent a follow-up letter on XXXX XXXX, to Chase again requesting any records and have received nothing from them. 

I am concerned that Chase may have initiated this fraudulent account in that the account was opened with my correct home address, which seems odd if someone were trying to steal my identity. Also odd is that no transactions were made, even though it was a month before I discovered the fraudulent account. Please note that I do not and have never had a credit card with Chase.
Consumer complaint received 2017-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (FL)

I sent a certified mail from the XXXX in regard to this account. Attached is the document. This is the tracking # : XXXX. I have yet to receive a response. Please provide a contract with my signature agreeing to the services you are claiming I owe money for.
Consumer complaint received 2017-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (IN)

Refer to prior complaint number # XXXX against Caine & Weiner for previous history. 

Update and new issue - XXXX XXXX had turned me over to Caine & Weiner on a matter of identity theft and fraud. I filed a complaint on XX/XX/XXXX against Caine & Weiner as it is unlawful to turn a fraudulent matter over to a collection agency and it should have never been turned over to begin with. 

Caine & Weiner responded to the CFPB onXX/XX/XXXX and stated " Closed with explanation - Prior to receipt of this complaint and based upon our conversations with the consumer our office has closed our file as disputed to allow for the consumer and the creditor to resolve the spite amicably. No information has been reported to the credit reporting agencies. The consumer is encouraged to contact our main office at XXXX and ask to speak with a manager if there are any additional questions regarding the account assigned to our office. The consumer is encouraged to contact the creditor directly with any additional questions regarding the status of the creditor 's file. '' I have been in constant communication with XXXX XXXX since, and they said they rectified the issue on their end. 

Today,XX/XX/XXXX, XXXX months later, I receive a letter from Caine & Weiner dated on XX/XX/XXXX that the account was paid in full. 

This is insane. There was no account to begin with! This should never have taken place as XXXX XXXX had no right to turn me over to a collection agency as it was a matter of identity theft and fraud! 

How can an account that was closed as disputed due to fraudulent identity theft be suddenly paid in full? 

I called Caine-Weiner, and they stated that the account showed as " PAID '' and not closed!
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Citibank blocked access to my debit card from XXXX. 
As an XXXX  American dependent on my XXXX XXXX income, loss of access to my funds caused me great distress and anxiety. Furthermore, Citibank did not release funds to pay a bill. My debit account was blocked. 

The potential for harm came because I was on vacation, away from home, by myself when the account was locked. 

There weren't any branches anywhere near my location, at the time, California. Phone calls with Supervisors were fruitless. 

Citibank did send another debit card to my home address however, I was not anywhere near there.