davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
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. (FL)

Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

In XX/XX/XXXX/XX/XX/XXXX I did a loan modification for a XXXX XXXX  that had been transferred to TD Bank. I was pressured into accepting these terms in order to not lose my house. The terms I signed do not match the amount I am being charged. They show {$15000.00} in outstanding balance and my paper work shows {$3400.00}. I would like relief for the amount of charges and accrued interest they are charging me. Accrued interest on the modification says {$34000.00} on my account but the paperwork I signed says {$33000.00}. Since TD Bank has taken over this loan I have always had to be transferred or wait for someone to call me because my loan is in a different system. I cant access it online. Cant talk to people in the Bank. Customer service because it was a XXXX XXXX is horrible. I should be able to call and get help with my account and not have to wait 3 to 5 days for someone to call me back.
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

In XXXX was notified of a debt collection from XXXXXXXX XXXX  in the amount of {$10000.00}. The concern was noted as fraud and determined to be identity theft from a woman living in Illinois. Fraud dept had sent her invoices which she did attempt to pay, but then stopped while she was going through a divorce. 
My original account was closed by XXXX and then somehow merged with this other woman. 
1. I have never lived full or part-time in the state of Illinois 2 . I have never been legally married 3. My credit score is currently XXXX with no outstanding debts or concerns 4. I am financially able to pay this debt, but it is not mine Over the course of the years, each time a collections would send me a letter to collect, I would work with their fraud department. Each time the fraud department would close the account and then sell to the next collections agency. 

I have now received a civil court case notification in the state of Wisconsin. I have contacted a lawyer and reaching out to credit centers for additional support. 
Thank you.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: DISCOVER BANK (MI)

California Tax Lien placed on CD XXXX for {$750.00} on XX/XX/XXXX and. Bank reports sent funds to California. 

I have since been independently protesting lien with California authorities and, so far, amounts owed reduced down to {$380.00} with additional action being taken to eliminate entirely. No funds returned as yet. 

Normal due process not followed by the bank. Any California lien, even if valid, would normally have to be domesticated in either Michigan or Delaware ( Discover Bank reported to be a Delaware Corporation ) necessitating proof of service of notice of a hearing and review by a neutral party. No such proper procedures followed.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I recently obtained a copy of my credit report and noticed some erras. I noticed multiple addresses that I never resided, and also incorrect name being reported. 

I atteched a copy of my drivers license and social ( SEE ATTACHMENT ) My report should only refect one name and address!
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

I've tried to call many times in the past but simply am not getting anywhere. I have a United Mileage Plus Card with Chase and should be earning mileage for my United frequent flyer program. However of the XXXX miles earned so far, none of them are being transferred to my frequent flyer account and thus I don't have access to use them. I called Chase today and they verified my frequent flyer account number and my email address. I was assured that if both of those were correct then the mileage would transfer over, they then proceeded to put me through to United, who then explained that they see no transactions for incoming mileage and confirmed that I don't have a credit card account attached to my account. The operator then connected us both back to Chase where I was given the excuse that their system was down. This was my latest attempt on XX/XX/2020 as I need to access the miles now for travel. On the Chase app from my phone I can see that I have a balance of XXXX miles that have not been credited, with the note that it will be credited on the next cycle. However the mileage hasn't been credited in many years. I've made several phone calls between the two companies over the past couple of years, but they have not been able to resolve my issue.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> they blocked {$990.00} trying buy XXXX fridge..They said I needed used app to authorize with bank to use my funds ..Before that they blamed XXXX instead of it being bank of america fault. I have Witnesses that saw this bank Lying and making up reasons to freeze my funds. I sued this county and I was trying to use this money. And this county infiltrated on my account and prevented usage. Making up fraud cases that wasn't actually happening. I verified a weapon and they refused to let me use my phone. No matter what even if I went inside the bank.. I used XXXX is blocked before that I used my bank card it was refused declined every attempt this is fully XXXX they discriminated against me..I  will keep these complaints til there handled correctly an til Trump gets into office..
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

On XX/XX/2020 I submitted my second round of dispute letters to Equifax regarding incorrect accounts XXXX XXXX  XXXX XXXX  ( is not mine ) please remove, they have not. I am requesting that they move mechants credit accounts as they are inaccurate, as well as late payments to XXXX XXXX XXXX XXXX XXXX and Department of Education/XXXX late payments as well as XXXX late payments. 

Also my name is mispelled several times and my address and employer are wrong. Please update as this is having a negative impact on my credit score, and I would like it removed. 

Thank you for your assistance,
Consumer complaint received 2020-05-28
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 — Investigation took more than 30 days
Company: Ray Klein, Inc. (CA)

On XX/XX/XXXX I contacted professional credit about an account that was reported to my credit from XXXX XXXX from an alleged debt from XXXX. Since I had no record or recollection of this place, I requested an itemized statement or some sort of detail ; anything that would show me what this was for. I called them on XX/XX/XXXX and again XX/XX/XXXX for update. On both occasions I was told that they did not have any updates and that I would still have to wait until they heard back from their client as no documentation or proof of debt was provided when the account was assigned to collections.
Consumer complaint received 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

I contacted my mortgage servicing company shortly after I received notice from the county assessor 's office that our XXXX real estate taxes have not been paid. I emailed them the information that they requested and waited for about a week before checking back in. There had been notes made on our account as to the problem, that the information needed was received, etc., but no payment had been sent yet. I waited a few more days and again checked back and again, notes made, but no payment had been sent for our real estate taxes. I emailed them again and demanded that they pay our taxes and I did not get a response this time at all. 

Our real estate taxes are around {$7400.00} per year. Their failure to pay our taxes by the due date of XX/XX/XXXX has now created a tax consequence where we have missed out on a tax deduction and consequently could owe more tax than we should have if our taxes had been paid. 

Please advise us as to what recourse we have and how to get our taxes paid.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am writing to file a formal complaint against Capital One regarding a debt they are alleging I owe. I am disputing the validity of this debt and formally requesting Capital One to provide full validation, as required under federal consumer protection laws. 

Issue : Capital One has claimed that I owe a debt. However, I have not received sufficient documentation or validation to prove that this debt is valid and legally enforceable. I am requesting Capital One to provide proper validation of the debt, including : XXXX. The amount of the original debt. 
XXXX. A breakdown of how the alleged debt amount was calculated. 
XXXX. Proof that the debt has not been paid or settled. 
XXXX. Any signed agreements or contracts showing that I am responsible for the alleged debt. 

Legal Grounds : I am asserting my rights under the following federal laws, which require debt collectors and creditors to provide validation upon request : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Under Section 1692g, I have the right to request validation of the debt. This requires the creditor to provide sufficient proof that the debt is valid and that I am legally obligated to pay it. 
XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) Capital One must also ensure the accuracy of the information they furnish to the credit reporting agencies. Reporting inaccurate or unverifiable debts is a violation of the FCRA. 
XXXX. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. If the debt stems from a credit transaction, I request any documentation related to my original credit agreement with Capital One, as required by the Truth in Lending Act.
Consumer complaint received 2020-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

Timeline : - On XX/XX/2020 I began selling goods on XXXX - On XX/XX/2020, Paypal sent me a notice that they were restricting my account until I provided evidence that I had fulfilled my orders ( tracking numbers ), confirmed my identity ( drivers license ), and that the items which I had sold were purchased legally ( invoice ) which I immediately did. At this time, my paypal account had {$2100.00} that I was unable to withdraw. 

- On XX/XX/2020, I attempted to call Paypal 's support line to inquire about the status of my restrictions only to have their service line explain that they had laid off their support staff and to contact them through their message center. I attempted to contact their message center with no response. 

- On XX/XX/2020, Paypal finally got back to me and released their restrictions. Then about 20 minutes later, I received an email stating that not only were they closing my paypal account, but they were going to hold onto my funds for 180 days!!!!! 

It's the end of the month. Rent is due and I have no recourse! You can't get anyone on the phone. They don't respond to emails. I'm not even sure what I've done to trigger the issues as I've complied with all of their policies and requests for information. I'm not going to tell my landlord that he needs to wait 180 days because Paypal doesn't want to release my money.
Consumer complaint received 2020-05-28
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: EQUIFAX, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, Original Creditor, Original Creditor, Original Creditor, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX    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 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 XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (WA)

Key Bank XXXX XXXX XXXX, XXXX, WA XXXX closed my checking account citing fraud. They reported the closure to XXXX XXXX XXXX  Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I submitted a dispute to XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating the re-investigation confirmed the information on my checking account. I did not commit fraud on my checking account. I do not believe a thorough investigation was performed. There was not any fraud on my account.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am filing a compliant due to several fraudulent accounts and inaccurate addresses on my credit file. The following addresses are not my XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX. I was going over my credit report and I noticed several collections accounts that I never done business with these following credit companies : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX/ # XXXX, XXXX XXXX # XXXX. I have filed a complaint with FTC and CFPB.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo received a total of {$190.00} but only refunded {$120.00} to my account. Wells Fargo maintains that if they recover funds outside of the 60 day window that they will refund it. However, Wells Fargo has not done that. They have retained a total of {$70.00} which was outside of the 60 day window from claim XXXX but they will not tell me where those funds went. At this point Wells Fargo has stolen {$70.00} from me. XXXX XXXX indeed verified the total amount of {$190.00} was returned to Wells Fargo. 

The letter that I received from Wells Fargo states quite a discrepancy. The fact is Wells Fargo indeed recovered the additional {$70.00} from a " transaction older than 60 days. '' In the second to last paragraph Wells Fargo 's response stated that if they are able to recover funds from disputed transactions over 60 days old that they would indeed refund those transactions. Wells Fargo has indeed recovered those funds of over 60 days old to the sum of {$70.00} and did not refund me that amount to me. 

As stated in their letter, Wells Fargo only refunded me {$120.00}. I will initiate another complaint because Wells Fargo indeed received a total of {$190.00} from XXXX XXXX. 

In their letter Wells Fargo states " We were not able to reimburse you the additional {$70.00} for those transactions that occurred more than 60 days after we sent you the first statement reflecting the unauthorized activity about which you notified us on XX/XX/2020. '' Then the very next paragraph Wells Fargo states " For transactions that occurred more than 60 days after the activity first appeared on your statements, we will contact the merchant and attempt to recover your money. This process may take up to 120 days. If you ( sic ) efforts are successful, any money recovered will be credit to your account. '' These two responses contradict themselves yet also confirm that Wells Fargo has received the additional {$70.00} in disputed fees. They just have not refunded it to me. This is alarming as I wonder how many other customers may have experienced this. 

Wells Fargo where is the {$70.00} that you recovered?
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital one placed a derogatory mark on my credit and made my credit score dropped significantly. I called up to try to work with them and restore everything and they were unwilling to work with me. I feel this is unfair and should be made known to the public to be aware of this company. They do not work with you.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AL)

On XX/XX/year> I contacted PayPal about a incorrect late fee charge for the month of XXXX. I filed a complaint and provided proof that the payment was made on time and they choose not to reverse the late fee charge. My monthly payment is due on the XXXX of every month. I made the payment for XXXX on time XX/XX/year> and PayPal posted the payment 3 days later and charged my account with a {$34.00} late fee. I made my payment for XXXX on XX/XX/year> and PayPal has also posted that payment 3 days later XX/XX/year> and I'm sure a late fee has been assessed once again. My question is how can PayPal charge a late fee for on time payments? It's not my fault that they choose to post the payment 3 days. later. This seems to be a on going practice with PayPal and it needs to be addressed. I informed PayPal that the payment was indeed paid on time and my account should not be assessed the {$34.00} late fee. I asked PayPal to reverse the late fee charge and provided proof but they still refuse to reverse the late fee charge. It seems that they are trying to make more money off the consumer by assessing these incorrect late fees and it needs to be addressed and stopped. UNFAIR late fee charges need to stop.
Consumer complaint received 2020-05-27
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)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30  ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Most of the accounts in adverse sections are past 7 years reporting and the others are basically duplication 's XXXX XXXX never delinquent, XXXX  not mine.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX duplication 's exceeding 7 years reporting.XXXX  XXXX  Paid agreed. XXXX XXXX never delinquent being paid as agreed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are paid accounts that exceed the 7 year reporting.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Due to the pandemic, many people are using virtual forms of payment to transact business. I was under the impression that I was working with the owner of a home to rent out the home. The person I was in contact with provided an online application form, a lease ( fraudulent ) and wanted to use a bank bill payer application to set up payment for 1st month rent and deposit to initiate an immediate move-in date. Since I was using my " bank '' bill payer, I thought that I would be able to rescind the payment in the event something went wrong. I was unaware that XXXX via Chase Bill payer would not be considered an FDIC insured option since XXXX is not part of my bank 's products. 

Chase has informed me they have no recourse and that filing a claim would not be granted. XXXX only refers me back to my bank for assistance, which is not helpful. I am at a loss of {$1800.00} and am unable to secure a place without these funds. 

People are using the pandemic social distancing and our aversion to potential exposure as a way to commit fraud. Not knowing much about mobile banking, also creates a big problem since we are under the impression that our money in the bank is safely protected when we are transacting business. Had I known I was exposed, I would have not used that option and probably not gotten scammed since I wasn't willing to use any of the other " cash app '' type applications for this very reason. Beware of all things mobile ask your bank first or be left hanging out to dry.