davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC (PA)

This company i believe the name is ( XXXX ) continues to call my phone. Their number is XXXX. They are stating i owe a XXXX bill. Ive contacted XXXX who says I do not owe a bill. Ive asked this company to send me a statement they have not. Ive asked this company to stop calling my phone but they continue to call my phone.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (HI)

We applied for a Frontier Mileage Credit Card and Barclay bank on XX/XX/XXXX. We were approved and never received the card but received a bill on XX/XX/XXXX for the {$89.00} yearly fee. 
We called and explained that we never received a card in the mail. We live in an area that doesnt use mailboxes and we have a po box , and apparently Barclay Bank does not send to po box ES so we gave our physical Address but explained that the zip code needed to add 4 extra numbers, which is typical, since the mail carrier would know that we use a Post Office Box. 
The representative said she was entering the situation in the notes and could clearly tell that the card had never been received or activated. She said she would try again as before the card was not received. Yet we did begin receiving late notice charges of {$29.00} for the initial yearly charge of {$89.00} yearly fee for the mileage card. 
We again spoke to a representative, XXXX employee # XXXX on XX/XX/XXXX. We clearly explained we wanted to cancel the card because we never received it and so could never activate it. At this point we were well past the amount of calendar days we had to spend the minimum charges to receive the award miles. He again said he could see that the card had not been activated and he again tried to assure us that the card would be resent and we would have the dates recalculated to receive the miles. 
At this time we are still receiving late fees on a card that we never activated and so this transaction was never finalized. There has never been an exchange of anything of value to constitute a legal transaction
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (NJ)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me. I have not received any requested documents. 


SELF FINANCIAL/LEAD BANK - XXXX
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I had gone to make a {$2000.00} deposit. ATM read improperly at {$1600.00}. Took my deposit out and to redeposit. ATM returned {$1600.00} with my {$400.00} missing. Reported to Wells Fargo and they came to an inaccurate conclusion that the ATM had no issue. Was told by branch manager that extra money left inside the machine is reported and after 3 days any unclaimed money amount disappears. Reported on XX/XX/year> and ATM was checked on XX/XX/year> and conclusion was made same day on XX/XX/year>. I was told during the claim period I would be contacted for further information but I was never contacted. The claim was supposed to take 10 days per their claim process but they kept extending the claim up until XX/XX/XXXX ( 35 days ) for them to check the logs. I opened another claim with the executive office and instructed to check the cameras since i had counted my money on the cameras view, XXXX had said she would try. 10 days later XXXX called and told me the day they declined my claim they were unable to do that because i was not law enforcement nor a lawyer. Only way they would check the camera is with a paper from the judge. Then i was told they did not have enough information to help me with my claim. I told her she never called me or tried to contact me to get information. She said they had enough information to not call me. I asked to speak to a manager and was refused. She said they would call me later.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (RI)

On or about XX/XX/year> I attempted to finance a car but it was told to me that I had a open loan already in the system. I asked with whom I had this so called loan through and I was given the name of Pentagon Federal Credit Union. I contacted PFCU and sent all documents asked of me including the police report I filed the previous year do to my identity being stolen. PFCU replied a few weeks later stating that it was my loan and I was responsible for it. I tried to reach out to show that it wasn't possible for me to of opened the loan because I was XXXX do to a XXXX. I emailed all documents showing proof and still no response. The other fraud committed using my information was with XXXX XXXX. I have never used or obtained phone service with XXXX XXXX. I attempted to establish service with XXXX and was told I was delinquent with them already, I again sent in documents showing that my identity was stolen and the person/s who have it has been using it to open accounts in my name without any knowledge from me. I was again sent a letter stating that it was my account and I was responsible for the remaining balance. This was around XXXX oXXXX XXXX I also sent proof from XXXX which their investigators were able to determine that I didn't open an account with them through cameras so they took the negative account off of my credit report I don't understand why these other companies can not see I'm a victim of identity theft. Under XXXX5 US CODE 1681 this is action is illegal because this is a defamation to my character!
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UBS BANK USA (RI)

My UBS credit card was closed unannounced on XX/XX/year> while I was on vacation in XXXX. I tried to use my UBS card and it was declined. I thought there might be suspected fraud so I called UBS card services. The UBS Card Rep informed me that the XXXX RI branch of UBS Financial Services had directed the closure of the card. The UBS card rep said that it was highly unusual for a card to be closed by the branch and, after checking with the supervisor, they had no explanation for it. 

Ironically, I booked this XXXX trip through the UBS Concierge Services and they ( UBS Card Services ) delivered a fruit basket to my hotel room the day before to thank me for using their travel service. 

I did not request this card to be closed and I want an explanation why it was done. This could have been an extremely difficult situation for me if this was the only credit card I had taken on this trip.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I first rec 'd a statement from both XXXX XXXX and XXXX XXXX stating that my owned balance was {$580.00} ... statement date XXXX/XXXX/15 from Crossing at XXXX and XXXX/XXXX/15 from XXXX XXXX ... Now they ( XXXX XXXX ) saying that the balance is {$640.00} which is a difference of {$59.00} ... No explanation given at all. 
How is it that I receive XXXX statement and then turned over to collection less than 4 days later? The problem is that I was never given a chance to review, confirm or dispute their charges ... What happened to the 30 days I am allowed to dispute or pay and the other statements I should have rec 'd from Crossing at XXXX ( XXXX XXXX XXXX which is owned XXXX XXXX XXXX XXXX? The 30 days was allowed in the letter dated XXXX/XXXX/15 but not extend to me and now being asked to pay a different amount than from the beginning ...
Consumer complaint received 2019-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AZ)

I'm being billed and reported for a charge from XXXX XXXX XXXX XXXX for a {$660.00} dollar bill for a person who was not my child. I've provided 3 written disputes directly to the collection agency and they have failed to adhere to FDCPA practices by acknowledging and responding to my direct dispute. I've called on 1 occasion, and was talked to with actual curse words and then hung up on.
Consumer complaint received 2024-05-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Assistance Inc (NC)

On XX/XX/year> I wrote a dispute letter to XXXX XXXX XXXX XXXX to receive validation of the debt which they never provided to me. They claim I owe them {$7000.00} however, if this debt was real then they would have sent me the debt validation like I requested. It's clear that I actually don't owe this debt because they have no documents to prove it.
Consumer complaint received 2020-07-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (PA)

JPMCB auto finance XX/XX/2015 {$17000.00} They didnt give me a chance to pay the months I had backed up they wanted the full amount of the loan. And at the time I was unable to due to my job being lost, responsibilities and bills due.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I signed up with Experian to find out why my credit score dropped dramatically on XXXX XXXX. Once I signed up I found a mistake on a {$100.00} medical bill that I paid and filed a dispute showing payment. The charge was taken off but my credit was still listed as fair. When I signed up with Experian they wanted me to pay for the better service and give them access to my banks login and let them search my bank statement!! I would never allow this. My score was lowered AFTER not allowing them to do this. I had excellent credit in 2019 and have done nothing but pay off my small credit cards and my credit score should of increased. Instead its been lowered to fair. Experian will not answer their phone it will not let you even push a extension and hangs up on you. No emails to contact. Something is wrong here. I am a XXXX person and need my good credit and deserve it. I pay my bills early!! I cant believe they wanted me to pay them to give them access to my bank login!!!
Consumer complaint received 2024-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (FL)

Good morning, I filed a complaint withe the CFPB about this company and their response was " Monterey Financial is in receipt of the complaint from XXXX XXXX in regards to the XXXX XXXX XXXX account. The purchase was made electronically, where XXXX XXXX was to provide an unexpired form of identification in order to proceed with the sale. Once provided, the XXXX XXXX XXXX was electronically signed and agreed to upon reviewing the terms, conditions for the purchase with XXXX XXXX XXXX, and subsequently placed with XXXX XXXX. Upon being alerted of the potential fraudulent nature of the account, XXXX XXXX conducted diligent investigation in collaboration with XXXX XXXX XXXX Despite prior communication with XXXX XXXX, the promised supporting documentation for the investigation was not received. Regrettably, XXXX XXXX has requested to cease further communication, hindering our ability to gather necessary information for investigation. Currently, the account remains active, and we urge XXXX XXXX to reach out to our office for assistance in resolving any outstanding concerns. Our agents are readily available at toll-free ( XXXX ) XXXX. '' I would like it noted that this company has NOT investigated this matter to the best of their ability. They proclaim that the person used an unexpired form of Identification in order to proceed with the sale. Therefore, they must have a copy of said identification. There's no way they actually investigated or even have the Identification because if they did, they would know that I am a MALE ( born a MALE ) and they keep referring to me as a XXXX XXXX XXXX thinks I'm a woman. Although this is comical, it doesn't hinder from the fact that this account is NOT mine, it is a DIRECT result of Identity Theft. I want them to stop reporting their collection account to my credit report and close this account. None of the information they have listed match mine. 

Please have them fix this as soon as possible. Thank you.
Consumer complaint received 2022-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (TN)

Someone used my maiden name to open up a fraudulent credit card. XXXX XXXX XXXX is trying to collect a debt of XXXX from a fraudulent PayPal account. XX/XX/20XXXX XXXX
Consumer complaint received 2020-07-05
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. (NY)

on my loan with XXXX XXXX they reported me late 30 days for XX/XX/2020 they told me verbally on phone it would NOT be reported due to Covid I was a little late NEVER have been before I was waiting for unemployment to kick in I have never been late and was told they will not report they did and it took my score down on ALL # credit reports.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

on my loan with XXXX XXXX they reported me late 30 days for XX/XX/2020 they told me verbally on phone it would NOT be reported due to Covid I was a little late NEVER have been before I was waiting for unemployment to kick in I have never been late and was told they will not report they did and it took my score down on ALL # credit reports.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (AL)

Several unauthorized withdrawals from my account was made. The companies and amounts are listed below. 
XXXX XXXX XXXX XXXX Payment- {$97.00} & XXXX XXXX- XX/XX/XXXX - {$310.00} XXXX- XX/XX/XXXX - {$240.00} XXXX XXXX  XXXX XXXX - {$210.00} XXXX {$970.00} I disputed these transaction with PayPal informed them that they were unauthorized. PayPal denied my dispute and said they were consistent with my PayPal payment history. I appealed the decision and informed PayPal that they were not consistent with my PayPal payment history. I only use PayPal to transfer to my federal reserve XXXX XXXX  XXXX account and receive Payments.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/year>, at XXXX pm, I deposit {$590.00} on my saving account, with available balance {$1000.00}, so I take my receipt, and I forget to take my card, so after 3 minutes, I check my saving account, I see that I only have {$73.00}, Somebody withdraw {$1000.00} dollars on my accout, so I call Wells Fargo after a few minute, the took my information, after 3 days, they sent me a message telling me after investigation, there is no error happened on my account.
Consumer complaint received 2022-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VYSTAR CREDIT UNION (FL)

XX/XX/XXXX VyStar Credit Union charged me an extra {$87.00} dollars for collateral insurance on the vehicle. Which made my car payment higher. They simply added on the insurance without informing me until months later. I called XXXX in XXXX and emailed them my proof of insurance from previous months and the month of XXXX. They said they will refund me my money problem solved. I went to make my XXXX payment and the bank teller asked me where is the rest of my payment. I make my payments every month on time so I was confused. She informs me that all my payments have been late and going towards the previous months due to the insurance fee added back in XXXX. I was not informed of them adding collateral insurance to my bill. And now XXXX is saying XXXX cant make my XXXX payment until I pay them the insurance fee. I have insurance on the vehicle and I have proof of insurance from XXXX to XX/XX/XXXX. They are just charging me u fair and unreasonable fees. XXXX is even saying they didnt get my full payment for the month of XXXX. Thats false when I paid them in full and extra.
Consumer complaint received 2020-07-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NC)

This complaint is against XXXX XXXX. 

On XX/XX/2020 I attempted to send XXXX {$300.00} to my brother in XXXX via XXXX XXXX XXXX XXXX XXXX. My XXXX account was restricted due to a transfer I made in XXXX, and which my bank had rejected, on account of a change in my mailing address. Not being able to utilize XXXX XXXX, I opened an account with XXXX and made the transfer. In the process, I noted that XXXX XXXX rate applied by XXXX for the {$300.00} transaction was significantly lower than the rate applied by XXXX. XXXX would have delivered J {$37000.00} which is equivalent to an exchange rate of {$120.00} Jamaican dollars to {$1.00} XXXX dollar ; at the same time, XXXX delivered J {$41000.00} which is equivalent to an exchange rate of J {$130.00} Jamaican dollars to {$1.00} XXXX dollar. That's a difference of J {$4100.00}. I have used XXXX for many years to send funds to XXXX each month. On average, I send at least {$300.00} per month. Based on the difference in rates, and an average of {$300.00} sent monthly, this could easily translate into J {$49000.00} per year or J {$140000.00} over XXXX years ; J {$490000.00} over 10 years! 

Today, XX/XX/2020, I sent XXXX {$300.00} via XXXX. XXXX delivered XXXX ; XXXX would have delivered J {$37000.00}, a difference of J {$3800.00}. It seems to me that XXXX is not giving consumers a reasonable exchange rate ; the rate I was given in these XXXX instances does not appear reasonable to me, given the XXXX comparison.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft. I have been bounced back and forth between the companies listed on my credit report & TransUnion trying to get this issue resolved. I have never applied for anything with the companies that TransUnion have listed as XXXX XXXX {$400.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$7300.00}, XXXX XXXX XXXX {$190.00} & XXXX XXXX XXXX {$200.00}. I have never completed an application or given my personal information to these companies to get anything from them. All the accounts listed above are FRAUD accounts.
Consumer complaint received 2016-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NM)

Trying to get onto this XXXX XXXX XXXX XXXX plan has been much more of a headache than it should have been, and my issues still have n't been resolved. When I submitted my materials last XXXX ( 2016 ) and received approval, my loans were transferred from XXXX XXXX to FedLoan. Since then I have called and called trying to get status updates. At first they were n't able to view any of my information for about a month. Then nothing showed up in any paperwork about the XXXX plan. After calling, I was told it could take up to 90 days for it to process and then would be visible on the website, but that it usually does n't take that long. I called after a couple of months had passed, was told by an irritable-sounding employee that it had n't been 90 days yet ( i.e. " Why are you calling? '' ) I called again weeks after ( by my calculation ) 90 days had passed, and was told by an even more irritable sounding employee that it had n't been 90 days yet. A week or two later, I received a billing statement that showed I had made XXXX qualifying payments. I had been expecting something closer to XXXX qualifying payments! I called again today, spoke to another irritated-sounding employee who told me that I only had XXXX qualifying employers listed on file. There should have been XXXX, and I told her that. She told me that the third employer certification had been denied for missing info. I had NEVER received any kind of communication to this effect. She told me I " would be more than welcome '' to resubmit the certification on the third employer. After getting off the phone, I looked up a copy of what I had submitted ; there was no info missing on the application. I called back and spoke to XXXX. Thank XXXX XXXX was a nice, patient employee who actually seemed interested in helping me resolve my problem. He looked everything up and discovered that the third certification just had not been processed. I 'm still not clear as to why, something about it being labelled a " duplicate. '' It was a " duplicate '' because I had originally resubmitted it last XXXX to include some missing info. They apparently just had not considered the corrected form. I wonder if this is something they do often. If I had n't been paying close attention I do n't think this " error '' would have been caught - I never received a denial of my updated certification and I never received a breakdown of what payments would be considered qualifying payments and from which time periods. Anyway, XXXX said he was submitting a request to reconsider the paperwork they had already received and that it should take XXXX10 days to process. I do n't have very high hopes that it will be taken care of without more effort on my part. I am so sick of these student loans.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.