davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST (MT)

I last wrote about Bank of the West refusing to deposit a check for XXXX into my account to cover XXXX payment as I wrote XXXX XXXX and no instead of XXXX XXXX and XXXX and no. The response that XXXX was deposited 10 days later is a no duh, as I sent in ANOTHER CHECK. I also transferred XXXX to make certain the payment was covered, as they were delaying depositing the second check, forgetting another check I wrote and ended up paying XXXX in fees to my checking account, I finally got someone to update my address on both my XXXX loan AND my Savings. When I went to look up my 2018 interest on my XXXX, I could not access it because, in the typical incompetence with which BoW seeks to become the worst financial institution in history, 6 years of attempting to update my address had only finally resulting in changing the one. Finally I got someone who could also figure out how to update an address on the other as well. 

Meanwhile, I have now submitted a direct deposit x 2. With 2 different routing numbers given to me by BoW. Both have failed to be accepted by BoW. So, not only are the charging me XXXX a month because I do not have direct deposit, they are refusing to accept the direct deposit, and now as a direct result, I have missed a payment, unknown to me. 

I have now once again manually transferred the money over. 

How can a bank exist that can not manage simple functions such as accepting a check or a direct deposit or updating addresses? There is not a branch within 100 miles of me. But this should not matter. My checking account is in Texas. Know how many difficulties I have had with them one phone call or email does not solve? 0. ZERO. That is zero and no. none. 

I would like to request someone at BoW who actually is capable of setting up a direct deposit contact me and complete this transaction. I also feel BoW needs to reimburse me for fees that incurred as a direct result of their incompetence. 

I can sell that trailer for XXXX to XXXX XXXX. If BoW will work with me on the XXXX remaining, I will just get rid of it and sever all ties with this horrible company that has been nothing but one headache of incompetence after another for 6 years.
Consumer complaint received 2020-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I pulled a copy of my credit report and noticed that a collection account from an unknown source appeared on XX/XX/XXXX. I have NEVER received any notification of any " debt '' as I have been a victim of identity theft. I have disputed this information several times and have not received any correspondence. I have filed a police report with XXXX XXXX Police Department Report # XXXX. I also filed an identity theft report with the Federal Trade Commission reference # XXXX. Below I listed the current report from my credit. In XXXX, it was another agency, however on my XXXX  credit report it says another company. I have attached three different credit reports that reflect different names. I have received returned certified mail from the " said '' collection agency. Also, when I called the number listed on the XXXX  dated XX/XX/XXXX report XXXX, I get a voicemail message stating that its a collection agency, but there isn't a name of said so called collection agency.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (MD)

After reviewing my credit report I notice that this company ( Westlake Financial Services ) are violating my rights as an consumer. My reputation have been defamed which is a violation according to 15 USC 1692 H. I have been harass at all forms and my credit have been misused and abused. As a consumer I have rights and this company is violating my rights as a consumer. The following laws are been violated 15 USC 1692b, 15 USC 1692c, 15 USC 1692d, 15 USC 1692e, 15 USC 1692f, 15 USC 1692g. All violations are {$1000.00} per occurrence. I have attached a copy of my License to help identify me.
Consumer complaint received 2020-06-23
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: EQUIFAX, INC. (NC)

SEVERAL FRAUDULENT ACCOUNTS WAS OPEN IN MY NAME THE THIEF STOLE MY ID NAD SOCIAL SECURITY NUMBER AND USE IT TO GET MEDICAL AND AUTO LOANS AND CREDIT AND UTILITY ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRASs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-06-24
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 — Was not notified of investigation status or results
Company: Nelnet, Inc. (MA)

Hows it possible that youve reported me 90-days late with no late payments prior to that? I was never late on this account.

I am not sure how this happened, I believe that I had made my  payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (PA)

My XXXX  app for crypto currencies says that I can't link my PNC checking account to withdraw or add funds. This was working end of XXXX as I just made a deposit to XXXX from PNC on XX/XX/XXXX. Now I can't withdraw my funds and my money is stuck in XXXX.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Barclays Bank of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Barclays Bank is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. 

Barclays has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (CA)

I received a letter from Chase Auto Finance to advise me that I received a refund for title and registration fees ( they financed my 2017 XXXX XXXX ). Unfortunately, the letter was very vague and Chase didn't tell me how much the refund was for, so upon I calling Chase Auto Finance, the representative said that two checks were mailed out to me as follows : Check # XXXX for {$140.00} and Check # XXXX for {$1300.00}. However, I have yet to receive any checks. I have called a few times to Chase and they keep saying that they are still investigating the issue. Please note : that I have yet to receive my new registration paperwork also.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

Have tried twice to get my name taken off of the account because I am not the primary account holder just was a authorized user and this is showing up on my credit report absolutely wrecking all the progress I have made in fixing my credit and I asked them to remove my name from the account but they won't do it
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (SC)

Due to unemployment ( due to Covid19 ), I request payment assistance several times on my Macy charge. Rather than provide deferred payment assistance, Macy 's checked my XXXX credit and decreased my credit limit on XX/XX/XXXX while my account was in a payment deferred status. I requested payment assistance again in XXXX, but it was denied without any option available to assist with payment. Please note that I've never been late on any credit cards including the Macy 's card until Covid19 led to the closing of my company. I've attached a letter that I received from Macy 's after requesting payment assistance and the email reply from Macy 's denying payment assistance in XXXX.
Consumer complaint received 2021-04-23
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: EQUIFAX, INC. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-04-23
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: EQUIFAX, INC. (PA)

I am writing to delete the following fraudulent 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 Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (IL)

There is a 30 day late payment reported on my XXXX and XXXX report and a 60 day on my XXXX. I believe this report is in error. I have reached out to Disputes PO box provided by PNC bank on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years.

Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue.

Contacted bank again that day, was told need to escalate case will hear back in 24 hour
s, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then transferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute.

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and " we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.
Consumer complaint received 2020-10-26
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (IL)

I ordered two diecast cars that were featured on XXXX which you pay for through PayPal. The company posed as a US based company, but was actually from XXXX. When the cars arrived they were nothing like the add. They were for all practical purposes junk and not worth half of what the advertisement showed. 
I complained to PayPal and they gave me a bunch of steps to follow and told me to send the merchandise back to the seller. I asked them how would I get my money back? I don't speak or understand XXXX. It took some five days for them to send me the information in English. So I sent the merchandise back to the seller. Never heard anything from them and I kept contacting PayPal asking them for information about my refund. They never said anything about honoring their guarantee, so I reminded them. They didn't respond to that statement at all. Just blew me off and started making everything my fault. I did as they asked. They made up some time frame that they said I didn't follow so they closed my case. I responded that I did everything that you asked and then some, but they still tried to put it on me by saying that I took to long to send it. First you said nothing of a time frame and second as soon as you gave me the information in English so that I could fill out the customs forms I mailed the package back to the seller. I submitted that information four times. They kept saying that they didn't get it. When they finally did, they paid me for part of the return shipping to XXXX.

So if they acknowledged that the item was shipped now where is my refund? Now they put everything on me to make it all my fault as to why the case was closed.
Consumer complaint received 2021-08-05
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: EQUIFAX, INC. (OR)

To whom it may concern, I filed a complaint to you on XX/XX/XXXX. 

In my complaint I stated, In accordance with the Fair Credit Reporting Act Section section 609 ( a ) ( 5 ) ( 1681 ) I am practicing my right to challenge questionable information that I have found on my personal credit report as well as demanding you validate suspicious accounts. I do not recognize the information listed below and since first my request, you have not investigated the source of these accounts and ascertain that the creditor had a permissible purpose, and you did not validate my complete file information including full name, address, date of birth and SSN #, as well as my signature to prove that I signed up for the accounts. 

I am now invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. Did you validate my signature to confirm my contractual agreement? 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please validate these : 1. XXXX XXXX { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
2. XXXX XXXXXXXX XXXX { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
3. XXXX XXXXXXXX XXXX { XXXX } This account shows three late payments but this account has never been late. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX  ( XX/XX/XXXX ) 2. XXXX { XX/XX/XXXX } REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : 1. Incorrect Address XXXX XXXX XXXX XXXX TN XXXX 2. Incorrect Name Variations XXXX XXXX, XXXX XXXX XXXX 3. Incorrect Employer XXXX 4. Incorrect Date of Birth XX/XX/XXXX 5. Incorrect social security number UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : 1. Personal current address XXXX XXXX XXXX XXXX XXXX, OR XXXX 2. My proper full name XXXX XXXX XXXX 3. My date of birth XX/XX/XXXX XXXX. My current employment info XXXX XXXX, Owner, XXXX, Oregon XXXX 5. Social Security XXXX XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation and validated results. Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. 

Truly, XXXX XXXX XXXX
Consumer complaint received 2021-03-28
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: MS SERVICES LLC (CA)

XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX MS SERVICES LLC Original creditor : XXXX XXXX XXXX XXXX - CHECKING OR Account number XXXX Collection opened XX/XX/XXXX So I have already reach out to both companies to let them know these accounts were never mine. Ive send in proof but neither has responded in over 2 years.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MVBA, L.L.C. (LA)

I received a text today ( XX/XX/21 ) from a law firm, called MVBA. I did not open the text, fearing it was spam bc my notification window described a law firm in Texas wanting to collect debt I had in XXXX, TX. 
I have never lived in TX, and the last time I was there was 25 years ago when I was XXXX years old. 
I searched online and found MVBA to be recognized as McCreary, Veselka, Bragg, & Allen. 
I believe this is a fraudulent firm. 
The message claimed to be from XXXX XXXX XXXX and the phone number was ( XXXX ) XXXX.
Consumer complaint received 2020-05-01
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: EQUIFAX, INC. (OH)

I recently tried to rent an apartment and got declined due to someone using my name and information! The following accounts are fraudulent : 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 # XXXX. I have filed a report with the XXXX Police Dept and a complaint with the CFPB.
Consumer complaint received 2020-10-26
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: EQUIFAX, INC. (TN)

i have now ask these companys to remove the accounts now 7 times they have not provided any proof that these accounts belong to me and i have let them know that my information was stolen and use to open accounts without my consent.
Consumer complaint received 2020-03-24
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 XX/XX/XXXX, I purchased a {$180.00} round trip to XXXX, CO from XXXX, TX through XXXX XXXX that was scheduled to fly on XX/XX/XXXX through PayPal. I received a confirmation email for my flight saying that tickets would be sent at a later date. However, on XX/XX/XXXX I was sent a notification from PayPal stating that my payment was being held due to some government regulations ( I suspected it was due to the coronavirus ). Since PayPal held my payment, XXXX XXXX cancelled my flight because they did not receive their payment. I was okay with this at first. It turns out that on XX/XX/XXXX, the full {$180.00} was debited from my account and sent to XXXX XXXX anyways AFTER they had cancelled my trip. THAT IS NOT A FAIR TRANSACTION. I opened a case with PayPal but they have been taking forever to reach out back to me to receive a full refund which i believe is perfectly warranted, and by now my bank has already charged me a {$34.00} overdraft fee. Even if I receive a full refund now, I'd still be losing money. Tell me how that makes any sense?