davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (WA)

I repeated get check holds on my personal and business checking accounts, almost every deposit that I make ends up getting a 7 day hold. Even a Chase to Chase check received a 3 day hold. It is ridiculous. I call to get it released and in most cases they remove the hold, but in some they wont even give me access to some of the money. Then when my account becomes over drafted, because of the holds, they then charge me a {$35.00} overdraft fee.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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
Consumer complaint received 2022-03-24
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. (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
Consumer complaint received 2022-03-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services (IL)

I paid all 36 installments for the lease of my car to Mercedes Financial. The last installment was paid on XX/XX/XXXX. After I returned the car on XX/XX/XXXX, I was charged an extra installment for {$490.00} on XX/XX/XXXX. When I asked MB financial about the charge they said the value of the car has changed and dealer is not paying them enough. 

They asked me to work with the dealer even though I have not paid the dealer the extra installment. This is a very deceptive and unfair treatment as I am made to run around for no reason.
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland Credit Management continues to harass me even after I have asked them to cease communication with me until they can provide me proof that I have a binding contract with their company. They are accusing me of owing them an alleged debt, and is tarnishing my reputation reporting this alleged debt to the consumer reporting agencies without my consent. I have proof that they received my last letter that I sent to them on XX/XX/2021. I also have a green receipt showing that XXXX XXXX received the letter and have yet to respond but the company is still reporting on my consumer report when by law they are to remove the account that is question until proof is provided.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I am writing to formally dispute an account that has been reported under my name. I am a victim of identity theft, and the account in question was opened without my consent or knowledge. 
I have taken the necessary steps to address this situation, including filing a police report and a report with the Federal Trade Commission ( FTC ). I have also notified all three credit bureaus regarding this fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ) and 18 U.S. Code 1028A, I request that you investigate this matter and delete the fraudulent account from your records. 
Please find attached copies of the police report and FTC report for your reference. I appreciate your prompt attention to this serious matter and look forward to your confirmation that the account has been removed. 

THEY SAID THEY WILL REMOVE IT
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Radius Global Solutions LLC (VA)

I am not liable for this debt with RADIUS GLOBAL SOLUTION I do not have a contract with RADIUS GLOBAL SOLUTION. They did not provide me with the original contract. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This company is currently reporting a hard inquiry to my credit file, I have never given the permission to do so. I have never done business with this company.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Closed on a mortgage for a new construction XXXX br/ba XXXX sq. ft. townhome on XXXX/XXXX/XXXX. The final disclosure added charges for the appraisal from the original estimate and wound up costing {$1500.00} for the appraisal! This was nearly {$1000.00} more than the appraisal on my {$2700.00} sq.ft. private home refinanced with Wells Fargo a year prior. 

I asked for the invoice from the providers. They sent me a statement which appeared that the service for the appraisal was {$450.00} and there was an additional {$1000.00} charge from the middleman that arranges the appraisal and invoices Wells Fargo. I said that the {$1000.00} charge for a PO and an invoice was absurd. They thought otherwise. 

The original loan estimate dated XX/XX/XXXX showed the following for the appraisal : {$790.00} for the appraisal {$18.00} for the credit report {$160.00} for a final appraisal The final loan disclosure dated XX/XX/XXXX showed the following : {$1500.00} for the appraisal They claim a {$560.00} lender credit for overcharges of the following : {$26.00} for overcharging on recording fees {$530.00} for overcharge on appraisal fees So they claim the original $ XXXX $ XXXX {$160.00} - Even though these numbers don't reconcile, they included {$160.00} for the final appraisal even though a final appraisal was never done and did not show up on the final disclosure as a line item. Even though I mentioned over and over again and they acknowledge a final appraisal was not done, they felt justified charging me for it. So at the very least, they owe me {$160.00}.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MA)

We have had a mortgage in good standing with SunTrust bank, which became Truist. Our first payment to Truist was due on XX/XX/XXXX. 

-I submitted the payment on XXXX from the same bank account I had always used to pay our Sun Trust mortgage bills, which has adequate funds to pay the loan. 
XXXX XXXX we received notice that the payment had been returned. 
XXXX XXXX we resubmitted payment, assuming that we had entered the number wrong. We received email confirmation that the payment was received and our online Truist account showed a balance of {$0.00}. 
-On XX/XX/XXXX we received an email from Truist saying that there was a problem with the payment and that it had not been processed. 
-On XX/XX/XXXX we received a letter from Truist that our automatic draft had been canceled and that this may affect our credit score. 
-On XX/XX/XXXX, before making any calls, we looked at our online Truist account, which showed that our payment had been received and that we have an outstanding balance of {$0.00}. ( XXXX attached. ) Our bank account shows that no payment has been made to Truist. 
-On XX/XX/XXXX we called Truist. After waiting nearly an hour, we were told that our Truist account shows that we've already paid for XXXX, despite the letters we've received in past days and even though we can see that the payment has not come out of our bank account. Before we could sort out the problem, the customer service representative transferred our call to another person whose number wasn't in service and the call disconnected. 
-After waiting on hold for another 30 minutes, we finally reached another representative who insisted that our bill had been paid, despite the fact that we had received an email the day before saying that there had been a problem with our payment, and despite the fact that the funds have not been debited from our bank account. We finally just submitted an additional payment for the full monthly mortgage and received an email saying that our payment is being processed. 

We can only expect that this payment will also be rejected. Given the timing of past transactions, we will need to wait an entire week before we receive notice one way or another. We have confirmed multiple times that we're using the correct bank account information and that we have adequate funds. Meanwhile the bank is unable to even confirm whether our payments have gone through. 

We feel trapped. Our credit scores are at risk, and we face the prospect of exorbitant late fees. We've been trying for nearly 3 weeks just to pay our mortgage. It should not be this difficult.
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for false reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC (MN)

a company saying they were Fay Servicing scammed me for {$6200.00} acting as my loan owner the were offering me a loan modification and requesting my payments through XXXX wire transfer. 

All the e-mails looked correct per logo and conversations but when I called Fay and talked to the gentlemen that I recognized because of previous conversations over the years he said that I was getting scammed! 

I then requested my money back and they keep saying they are Fay servicing and the actual guy I was talking to from Fay was an imposter they keep stating that they are legit I made a payment XXXX for {$500.00} XXXX for {$1500.00} XXXX for {$750.00} XXXX for {$1700.00} XXXX for {$1700.00} Total {$6200.00} These e-mails have been from XXXX XXXX Case Manager ( XXXX ) XXXX XXXX and XXXX XXXX employee number XXXX ( XXXX ) XXXX please stop these criminals from stealing from anyone else
Consumer complaint received 2024-09-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA (NJ)

In XX/XX/XXXX, I opened to XXXX months CDs with Marcus by Goldman Sachs. So every month I got an email stating I can look at my account and see how much interest. On XX/XX/XXXX very early XXXX I logged into my account to review my CD status only to find a message stating that I had no active Marcus accounts. This was surprising as I had received no prior notification of account closure or changes. 
So the next day, XX/XX/XXXX I contacted Marcus through their message chat system online. I was informed that my CDs had matured on XX/XX/XXXX and had been automatically rolled over into a new 18 month CD with a interest rate of XXXX %. At no point was I notified that my CD was about to mature or that an automatic rollover would occur. Additionally, I received the monthly email from Marcus on XX/XX/XXXX stating that I could view my accounts online like I get every month but with no mention of the impending CDs expiration. 
I informed Marcus that he did not authorize the rollover and that I was within my rights to find a higher interest alternative. Marcus refused to reverse the rollover without charging an early withdrawal fee, even though I was not notified about the rollover in a timely manner and I would never consent to automatic rollovers to any of my accounts ever because interest rates change constantly. 
Additionally when I was on the message chatting with them I checked out my account which still said I do not have any active accounts with Marcus and I questioned that. 
I ended the conversation with I'm going to report them to the FDIC if they can not reverse this. Once I hung up I wanted to reread that email from XX/XX/XXXX but ironically there was another email sent on XX/XX/XXXX which I did not see until now stating " let 's celebrate your CD renewal and telling me that my CD has renewed and here are the details for the CD. So they sent that email, but they did not send me one stating on XX/XX/XXXX or around that time before the expiration that my CD is about to expire and I need to do something or it will be automatically rolled over. The Marcus chat person told me I had XXXX days but they told me this with my chat and not before.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2023-02-22
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Also see CFPB Complaint ID XXXX I, XXXX XXXX XXXX issued a check # XXXX ( from my XXXX XXXX XXXX account ) in the amount of {$60000.00} payable to XXXX XXXX ( Wells Fargo customer ). On XX/XX/XXXX, XXXX XXXX Wells Fargo account was credited {$60000.00}. On XX/XX/XXXX, my XXXX XXXX  account was debited {$60000.00}, as my check had cleared. Straightforward transaction, end of story, so I thought. 
Over two weeks later, XXXX XXXX informed me that check # XXXX was returned unpaid, and {$60000.00} was deducted from her account, causing a {$59000.00} overdraft on her account. Wells Fargo also informed her that her accounts will be closed if she does not deposit money to replace the funds. She has been in contact with Wells Fargo customer service on multiple occasions and each representative has provided a different explanation and remedy. Per Wells Fargos request, both XXXX XXXX and I have faxed over a notarized Proof of Issuance, and confirmation that check # XXXX was paid and debited from the issuing bank account. 
After all of this, on XX/XX/XXXX, XXXX XXXX received a legal copy of check # XXXX in the mail as returned unpaid item from Wells Fargo. As of today, XX/XX/XXXX, {$60000.00} has not been returned to the issuing bank ( XXXX XXXX ), and XXXX XXXX account is still overdrawn. These puzzling Wells Fargo actions have caused unnecessary complication and wasted time/effort for all parties involved. XXXX XXXX has been gracious enough to further investigate to help resolve the issue.
Consumer complaint received 2022-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (GA)

I originally file a Complaint XXXX more than XXXX  days ago since then the Problem is between Affirm and XXXX. It appears XXXX Loans done on XX/XX/2021 and XX/XX/2021 where the XXXX was not available or Returned. The Loan company Affirm and the Retailer XXXX FAILED to zero out these loans since these dates. I have Uploaded Proof to your agency, Affirm from XXXX. It appears XXXX promised XXXX system and DID NOT have it ready for Affirm until currently in the store and XXXX. I can not tell you the hardship this causes us as consumers. XXXX CLOSED my online account due to " Suspicious Activity ''! What happen on XXXX order it billed Affirm and Our Credit Card? This error lied truly with XXXX as it also billed Affirm! I contacted XXXX and Affirm both have stalled for months doing nothing but threaten to report it to the Credit Bureaus for the errors they both caused by in XX/XX/2021. The Loans are Loan : XXXX which is order # XXXX and Loan : XXXX which is order XXXX. Both Loans Either Cancelled/Returned or Fail to Deliver Goods. But sought payment even though both Cancelled Per XXXX.
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices. 

In accordance with the Fair Credit Reporting act ( FCRA ) ; MIDLAND CREDIT MANAGEMENT, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (IA)

We took out a second in XXXX for {$35000.00}. On XX/XX/XXXX we entered into a loan modification, we paid what they asked amounting to over {$9000.00} and they never modifidied the loan. We continues making payments from XX/XX/XXXX thru XX/XX/XXXX, at that time they sent our payment back and would accept I tried to contact them several times thru phone calls and letters, they never responded. The company at that time was XXXX  XXXX. Over the past years since then I have tried to contact the servicer with no response from them. On XX/XX/XXXX we recieved Notice of intent to accelerate for the amount of {$74000.00} from a new servicer Statebridge. The principle balance is $ XXXX XXXX XXXX they filed for forclosure. I started working with Iowa Mortgage Help, I don't remember the exact date. They referred me to Iowa Legal Aid they where able to stop the foerclosure for now. 
on XXXX XXXX we recieved a loan modification and a short payoff. The payoff was for {$80.00}. The modification was for {$10000.00} payment to do the loan, then {$60.00} at 10 % for 40 years. I called Statebridge to ask about the amounts and they could not give me answers that made sense. Statebridge sent another loan modification on XXXX XXXX. The same amounts just with interest not starting 6 months before the loan started. Iowa Legal aid sent it to the Attorney Generals office and the are now investigating the loan, they call it a XXXX loan. Iowa Mortgage Help advised me to file a complaint with this agencies as well. I am attatching the last two modifications from Statebridge. I do have all documents pertaining to this loan if you need more.