davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MI)

Santander consumer has once again proven to be extremely unprofessional. Stating that they cant corroborate a claim made by me when in any other situation they would simply pull the phone call to verify that the information the agent or the customer is stating is in fact the truth. This company reported my car late for 120 even after it was stated and charged off as a stolen vehicle. Never recovered by me and literally being found years later. I plan to contact the police department and see if this company recovered the car because once again that would be unethical as most of Santander doings are and also illegal as it is double dipping. This company has stated for years that they never said that once I pay the charged off amount for a vehicle that was stolen that they would remove the negative remark off of my credit. Instead of just pulling the phone call they have continuously claimed that I am lying. Just pull the phone call as the date of the last payment is marked. Instead of actually investigating we simply have individuals sit in their office and say they cant corroborate. No research actually even done. For years this has been one of the most unprofessional companies. I have no negative remarks on my credit except this one. Im at the point where I am going to seek legal action due to this company continuously reporting a negative remark on my credit without doing the needed research to verify that their agent stated the entry would be listed as in good standings. I do not recommend this company and I will regularly report on this unfair dealing.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (CA)

I got my whole personal information leaked on the dark Web and had my Chase credit line stolen from me took XXXX in credit line buying stuff in different locations, chase tried suing me since I wasn't making payments and I was trying to file a complaint but wasn't educated enough now I'm with a debt settlement paying off XXXX in debt for something I shouldn't be paying for.
Consumer complaint received 2020-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

PayPal have decided to close my account as of the XX/XX/XXXX and have given me no reasons why they have done this I have XXXX in my account which I desperately need as I lost my job due to covid19 I sent all items via XXXX and sent proof of postage and have positive feedback I have tried calling PayPal at least 79 times and never can get through and everytime I email them I get an automatic response I dont get a person they are so unhelpful and also I have XXXX children and desperately want my money I have reported PayPal to many services they cant get away with this as there hold my funds for 180days ( 6months ) are they mad its my money Im intitled to it its against the law to hold my money please help me get my money
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Adjusters, LLC (TX)

XXXX XX/XX/XXXX i sent in the dispute letter. I still have not received any response and it is XX/XX/XXXX After conducting thorough research, I discovered that this account violates the Fair Credit Reporting Act ( FCRA ) due to the nature of the reporting by your institution. There are several violations associated with the reporting of this account on my consumer report. I will highlight each violation : According to 18 USC 1028 ( d ) ( 12 ) - Financial institutions transporting and transferring nonpublic personal information related to the consumers transactions and experiences with the financial institution is a Trafficking and identity theft violation - which is considered financial fraud according to the Fair Credit Reporting Act. In my case, NCA is trafficking my nonpublic personal information from XXXX to XXXX and XXXX- which is a nonaffiliated third party. 
The Fair Credit Reporting Act ( FCRA ) has been breached by NCA. As per the FCRA regulations, every " financial institution, '' including collection agencies, is required to furnish an Opt-out and a duly signed Form SSA-89, issued by them, to the consumer. The consumer must sign this form to grant the financial institution permissible authority to disclose any nonpublic personal information associated with any social security number linked to ANY consumer. NCA neglected to comply with this requirement, constituting a violation of the Fair Credit Reporting Act. In my case, I was not issued any such notice of opt out or SSA-89 - which clearly and conspicuously proves that NCA has committed financial fraud according to the grounds of the Fair Credit Reporting Act. 
**Inaccurate Representation of Financial Standing : ** Listing this account as a charged-off debt inaccurately represents my financial standing. While the debt may have been reported as income on IRS Form 1099-C, it remains an income event and not a true debt that can be charged off. 

According to the FCRA, Financial Institutions are prohibited from reporting nonpublic personal information to nonaffiliated third parties like XXXX and XXXX. The inclusion of this collection account on my consumer report is a clear violation of the Act, as it discloses nonpublic personal information derived from transactions between myself and XXXX.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/2024 a replacement debit was expedited to me over night. Received new card in XXXX days. On XX/XX/2024 I called the number the activation number to activate my new card. Then was sent to the fraud security department and rudely told that I am supposed to have received a reference number via voicemail. I was never informed of this or even told I should look out for a phone call. I never received this reference number by voicemail so they offered to send it via USPS and I would have to wait 5-7 business days for this reference code in the mail. Without that they have told me over and over again that I cant be verified even after showing my IDENTIFICATION and answering all security questions correctly. It has been 20 business days as of today. My direct deposits have been processed into my frozen bank account that I have not been able to pay any of my bills or have access to any of my money and funds in my Citibank account. 
Their policies do not make any sense the customer service is disgraceful and so rude! They just keep hanging up. Please help here are a list of the numerous dates and times I have sat on the phone trying to resolve my issues and unblock my account. Rudely hung up on and wasting hours of my time I will never get back. I just want my money recovered and want to close my account.
Consumer complaint received 2024-02-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (VA)

I am writing to formally dispute and request the removal of a collection account that has been fraudulently opened in my name. Upon reviewing my credit report, I discovered this account, which I did not authorize or open. 

It appears that I have been a victim of identity theft, as I have no knowledge of the debt associated with this collection account. I have taken immediate steps to protect my identity, including placing a fraud alert on my credit file and asking for a for an investigation into the account. 

I kindly request that you conduct a thorough investigation into this matter and remove the fraudulent collection account from my credit report as soon as possible. I am willing to provide any additional documentation or information necessary to support my claim.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion LLC Credit Reporting Company, TransUnion is listing a paid and closed account from 2013 ; the name of the account is XXXX/XXXX  ; this account requires Deletion from my TransUnion Credit Profile because it is older than seven ( 7 ) years.
Consumer complaint received 2021-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In 2020 when i noticed this account on my credit report with TransUnion i disputed but TransUnion back then never removed it. because in the initial investigation XXXX  XXXX XXXX and XXXX XXXX couched up evidence to convince transunion it was my account and that it wasn't identity theft or that it wasn't fraud and that indeed i wasn't a victim. 
now today after its still remains on my credit report i reach out to transunion again in the midst of disputing other inquiries and charges i brought this on e up. they told me i have to get a letter of deletion from XXXX XXXX/XXXX XXXX in order for transunion to remove the regular inquiry that i dont recognize from my credit report. so I was hoping that cfpb could enforce that.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/24 at XXXX I received a call from XXXX XXXX I didn't answer. The person left a detailed message regarding fraud on my XXXX XXXX XXXXXXXX account. She also left a reference number XXXX. I didn't call back as I suspected it was a scam. Her voice was clear with perfect XXXX and she was quite calm. I called XXXX XXXX XXXX 2x last week and couldn't reach anyone. it didn't matter what dept I reached out to I received the same automated info as to how busy are. Yesterday I received postal mail from " XXXX XXXX XXXXXXXX '' to call them right away at XXXX as they received a credit card application in my name and they need me to verify that I submitted the application which I did not. I didn't call either. On the bottom of the letter it states if they don't hear from me within the next 30 days they won't be able to complete their review and they'll cancel the application. *Please note the letter is dated the same day as the call XX/XX/24 and contains the same reference number as in the call voicemail. It also appears a bit fake in some areas. It has been impossible to reach anyone at XXXX XXXX XXXXXXXX and I tried again today. I'm calling the number on my card but I'm wondering if my calls are being rerouted. To continue, I called my other bank today as I noticed that a hard inquiry was done BY XXXX  XXXX XXXX ON XX/XX/24 AS WELL. The rep from my other bank couldn't really assist but it was definitely done and lowered my score. I informed her of what is going on. I'm not sure what the next step is. I'll probably have to visit a XXXX XXXX XXXXXXXX as my calls are not being answering. I have no idea why they did a hard inquiry and more importantly without my permission or knowledge. I know about this as my other bank provides me with credit monitoring services. I'm very concerned about this situation. Thank you.
Consumer complaint received 2020-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (FL)

Pretrial conference was on XX/XX/XXXX ... Midland was represented by a lawyer who asked judge for  judgement of {$1800.00} plus legal fees ... When in fact this case was settled with Midland on or about  XX/XX/XXXX after I applied for and was awarded with hardship due to my XXXX status ... Yet their own lawyer told judge some 13 days after case was closed that they were still seeking monetary reward for them ... Sent a lawyer that has no clue that the case he was bringing had already been closed ... Judge motioned the hearing go to trial ... .I found out Midland had approved my hardship and closed my case AFTER the hearing ... .HOWEVER, their own lawyer should know the facts of the cases they are bringing into court ...
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-06
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. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What XXXX XXXX is going on?
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (OR)

I noticed a transaction from a place called XXXX XXXX for {$110.00} with no phone number. I called and started a fraud case. I was also told that there was a pending transaction for {$110.00} for the next day, only now they were XXXX XXXX. I put in lots of fraud reports, as, sometimes myself, or XXXX of my kids get tricked into trials that you cancel or either you can't or they just ignore you and they charge you anyway. I had an issue last XXXX  with XXXX that you have complaints about that had to be cancelled and refunded. Wells Fargo is closing my account over excessive fraud by other people. My account is several years old. I got and email from them saying it was an executive decision. When I call they wont even tell me my balance and they cancelled all my cards. Supposedly the account does not officially close until XX/XX/2024. When I call, their automated tells me I will be sent to the department handling my account. I give my info to the first customer service then I am on hold until I hang up. I have a recording of one such call. They are keeping me away from an account I still legally hold because I am a fraud victim. I never had paper checks so there is no chance of me leaving them with those outstanding. I had the account for years. They had the direct deposit of my paycheck. Whatever they are saying about me makes me unable to open a new account anywhere else.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (UT)

Contested this inquiry previously. 
Completed XX/XX/XXXX I Don't Recognize This I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Created XX/XX/XXXX I Previously Disputed This I previously disputed this inquiry stating : " I dont recognize this inquiry by this lender, but I know multiples were made by them in a short time span. I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry or delete this inquiry.
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MT)

I have received a credit card send me a denial letter for a credit card. I was not the person applying for this card as i already hold one of these cards. I would like for my credit and identity locked and blocked. I have no idea how many more that they will try to open. Me credit score has been dropped to below XXXX points. Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NJ)

They are trying to collect a debt that I already disputed with original creditor as fraud related, Original creditor agreed to remove since balance was {$4800.00} on a credit card with a {$2200.00} limit, I have all documentation of the dispute with original creditor. Midland credit managem stated that account was opened on XXXX XXXX, 2020 and bureaus are reporting another different date. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Consumer complaint received 2020-11-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MN)

wells fargo upon me calling the cpi administrator and being transfered to wells fargo hung up on me for no reason and never called me back the bank 2 times and the administrator 1 time. It was no question on purpose and thats wrong. I was asking for outside mitigation which they were just transferring me around to be jerks. I am really tired of this XXXX and wells fargo I am thinking with all the lies in the letters from them and them using the federal mail to have those lies sent to me. 
XXXX. Frauds and swindles. 

Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the XXXX XXXX XXXX Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. 
Maybe the post office needs to be brought into this. Seems a few more wells fargo folks need to go to the big house and 30 years is about right. Maybe you would sooner follow the agreements you made and do that with the others going thru the very same as I. There is a complaint form online and I shared this idea and one more so keep treating us like the trash you are wells fargo.. I demand you follow the letter of the law and start acting like a adult and not some type of clan of thieves.
Consumer complaint received 2023-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On or about XXXX XXXX, XXXX, PayPal sent approx. {$29.00} to " XXXX XXXX XXXX '' that was supposed to give me " criminal records '' for a woman harassing my XXXX  father. They promised criminal records were found/available, but were unable to provide any, AFTER taking my money. I asked for a refund, provided proof of not only bait-and-switch but also false advertising. Yet PayPal refuses to give me my money back. 

PayPal again abused me when they refused to refund me {$50.00} charged by XXXX XXXX on or about XXXX XXXX, XXXX. This is despite me sending them proof that I had requested a cancelation of service approx. 48 hours before the automatic rebilling occured for a subsequent month of very sub-standard cell phone service. I did not use the services sold for such a high sum of money, either. 

In addition, that approx {$80.00} that should have been refunded to me long ago has caused me to skip meals as I can not afford groceries at this time and any response to paypal is met with " you can not email us at the address we emailed you from '' kind of XXXX XXXXXXXX.