davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
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: JPMORGAN CHASE & CO. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Attention : JPMCB CARD Credit Department XXXX XXXX XXXX XXXX, DE XXXX Dear JPMCB CARD This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : JPMCB CARD Made on : XXXX XX/XX/XXXX Made with : XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Collection Company They committed more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations. 

I have never give them a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine.

I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 

I need them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

I have disputed the alleged collection with XXXX and XXXX several times, and they have failed to verified. How can they verified if the collection company cant even validate this alleged debt.
Consumer complaint received 2020-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

All my bank accounts at Citibank were blocked and then closed without previous communication. After they closed my bank accounts, they sent me a letter only stating that they decided to close banking relationship with me without giving any reasons. I called the bank to find out the reason and they said because I received an SBA loan into a personal bank account. I have provided with all the information they requested, I sent them a fax explaining how the process worked with the SBA and they don't answer nor respond any of my questions. On XX/XX/XXXX, I went to a Citibank branch and they called the fraud department, the lady from the fraud department named " XXXX '' told me that I didn't have any funds and that I wasn't going to receive any money from the bank. Citibank has my money XXXX and I need to know why they won't give me more information. The fraud department at Citibank has hung up on me " literally '' 3 times, when I ask to speak with a supervisor or someone that could give me more information, the representative ALWAYS terminate the call by saying " I have given you all the information and this call will be terminated '. I am being treated as a criminal, I'm asking for answers and all I get is the worst unfair and rude treatment from this bank. I understand the fact that a bank can terminate banking relationships with an individual, but, I can't believe that a bank can take a money that doesn't belong to them, and this behavior is called " stealing ''. Thanks in advance for any help provided!
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 fil ing a legal complaint against you!
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CURO Intermediate Holdings (FL)

In accordance with the fair credit reporting act this creditor has violated my right under 15usc 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2021-05-17
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. (NJ)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I haven't received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. section 611 ( a ), it is plainly stated that failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-05-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CA)

To Whom it may concern, I went into a financial agreement where XXXX XXXX was given the power of attorney, They created a settlement with the company in question and all payments were made on time. Ad Astra Recovery Services ( Speedy Cash ) settled with me and XXXX XXXX for {$1500.00}. 
This company agreed to reflect that this account is paid in full. The representative of Ad Astra signature is shown on the document. As of XX/XX/2020 all payments were made to this company in full.
Consumer complaint received 2021-05-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I am a Section 8 recipient under the Inlivian Housing Authority of XXXX, NC. I signed up to get on the program to purchase a home. I qualified to be a participate. I went through the program and passed everything. At first my debt ratio was extremely high. I paid it down to qualify for a mortgage. When I asked BB & T loan officer ( representative ) XXXX XXXX if I could use my income from my employment, she told me I had to be on my job for 2 years. She did not ask me if it was the same category of work or job title ; she just told me if I had not been on the job for at least 2 years, she could not use it. She also did not offer any other options as a remedy. I found out after my voucher expired for the program that I could have used my XXXX XXXX and that would compensate for the 2 year rule for income. Because of her actions, I became disqualified and lost my abilities to purchase a home within the time allowed under the Home ownership Program under the housing authority. I also asked the representative under the Inlivian Housing Authority ( Home Ownership Program if I could have a second extension and they refused and denied me additional time. While I still have my voucher assistance, because of XXXX XXXX behavior presenting BB & T ; I am forced to remain living in a rental property and I also have to wait 1 or 2 years before I can re-apply as well as pay fees all over again when and if I get selected to participate again. I feel this is a deceptive and abusive act as presentation of the banking institution and the institution should be held 100 % accountable for her actions. I also believe it falls under the Disparate Impact. I also believe it is a violation of the Federal Trade Commission XXXX XXXX XXXX.
Consumer complaint received 2023-04-23
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information.

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 2023-06-12
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bank has stolen {$590.00} from me. A check was deposit XX/XX/XXXX for my daughters social security I had taken a screenshot of my account the XXXXXXXX XXXX XXXXXXXX because I frequently do that to keep up with the funds in my account that will be coming and going. The amount was deposited the XXXX XXXX XXXXXXXX which was a holiday weekend and was pending which it is always deposited in a Saturday and never pending. Once all of my pending charges where finalized the following Monday the check amount was just no used from my daily ending balance and disappeared into thin air. After going to the bank XXXX XXXX and reporting fraud they decided I was wrong because it was listed in XXXX and white what I purchased all month even though I had screenshots of my balance prior to the check and numbers dont lie if I take that amount and add and subtract all my purchases from that time XXXX still missing exactly {$590.00} to the XXXX
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I am having an issue with PayPal as they have hundreds of dollars of my money that I earned on a hold. Its been like this for weeks where PayPal has limited my accounts access and have not allowed me to use my account, or get access to my money. I am a XXXX  and I thought PayPal was a safe way to complete transactions with customers but now I realize that they are a scam. I have contacted them every day since this has occurred and my issue is still not resolved to this day, nor do I get any help from their customer service. It seems as though they have no obligation to return my money to me, and wont even tell me why my account was put on limitation even in the first place. Every document or Id PayPal has asked of me, I have sent them. But, still my issue is not resolved. I took my issue to XXXX, where I realized there are many many more consumers of PayPal, going through the exact same issue. They are holding large amounts of money from their consumers for 6 months + time, without any explanation. This is unacceptable. There is something fishy going on with them and I truly believe they are a scam and stealing peoples money. Something has to be done about this because I need that money to pay my bills desperately.
Consumer complaint received 2021-07-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MoneyLion Inc. (DE)

Moneylion is violating my federally protected consumer rights and unfairly impacting my credit for an account I never opened. The phone number and bank account attached to that account do not belong to me. I have disputed this account numerous times to no avail. Please see the attached Affidavit of Truth and invoice. I am invoking remedy pursuant to 15 USC 1692. Moneylion is liable for {$1000.00} per violation in addition to fees relating damages sustained to my personal reputation. I have submitted a police report to XXXX  documenting the theft of my identity documents and I was apart of the XXXX data breach. Moneylion has made no reasonable effort to actually investigate whether this account is mine or belongs to someone else. They only assume that it is mine because its listed under my name and address. Whoever signed for this account was not required to provide an actual signature, only a TYPED digital signature for which they can't even provide a digital certificate proving that it came from a computer belonging to me! The person who signed for this account was obviously not required to provide any identifying documentation ; no picture of my license or ss card and MoneyLion allowed them to open an account in my name. The ESIGN act states that there must be evidence of the signers intent to execute or accept the agreement & a record of the electronic signature must be created at the time of execution and must show the process by which the document was accepted by the signer. Moneylion is required to have the appropriate authentications and certification to prove that I signed an e- agreement with them which they do not have. They've provided a document with a typed signature which they could have created themselves. ANYONE can type a name on a computer, this is not verification of an account belonging to me. 

Because I have stated that this account is related to identity theft under 15 USC 1681c-2 it was to be immediately blocked from any consumer file but it remains. This is my final time requesting that this information be removed from my credit report before pursuing further legal avenues. This is not the first time that Moneylion has been accuse of fraudulent and deceptive practices ; see the class action lawsuit DiCarlo V MoneyLion as well as the growing number of XXXX XXXX XXXX Complaints against this company.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, I have been having the worst time with Wells Fargo banking, and because of this I am now in a terrible situation. I reported a fraud claim on my account for XXXX dollars.I checked my account after getting a weird call, I looked at my account and saw XXXX atm withdrawals in XXXX Florida. I live in XXXX XXXX so that was a HUGE red flag. I immediately reported the activity after a long XXXX hour wait and conversation with the banker. It has been XXXX business days now and my claim has been declined. I called right away to see why I was now out of XXXX dollars, they claimed the investigator called 3 times and I did not answer the phoneThat was the deciding factor.That is very unethical considering I work for a living and can not just pick up the phone at any time. I would immediately call back just to get put on a hamster wheel, being told to go to the bank to get codes and reference numbers just to be told they cant help. I have called back multiple times after I received the investigator 's call, everytime my call gets breakin up or they tell me they can't help me.I have had NOTHING to do with this withdrawal, I live in XXXX XXXX California, I would never have withdrawn that amount of money and especially in Florida. That WAS NOT ME!. This has been the WORST EXPERIENCE of my life. XXXX is around the corner not to mention because of this I am now late on multiple payments. Whoever investigated my claim should be FIRED! It is plain as day that I was scammed and I haven't had the justice I deserve. As well as being behind on my rent now. It's known that Wells Fargo has had workers leak their clients information in the past and this is what feels like is going on. There is no way I should lose XXXX DOLLARS based on a withdrawal I DID NOT DO. This is fraud and VERY illegal. Please re-open my case and HELP ME ASAP! I have so many bills to pay and rent that's past due. 

Thank you
Consumer complaint received 2021-07-05
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. (FL)

a Federally protected consumer under title 15 chapter 41 ; Pursuant to subsections ( a ) and ( b ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent, I NEVER GAVE XXXX my written consent to report anything on my consumer report 15 U.S Code 6802 ( a ) and 15 U.S Code 6802 ( b ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. A copy of the law is attached with this dispute letter. 

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

XXXX ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

Equifax ( XXXX # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

XXXX ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX 

In my attached files are copies of the law.
Consumer complaint received 2024-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NJ)

A refund from a company for {$710.00} was sent to my Wells Fargo account that was closed, Wells Fargo hasnt rejected it so the company can issue me a check nor has Wells Fargo sent me the money themselves and they refuse to help me over the phone
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have XXXX accounts through Capitol One. I have an auto loan with XXXX XXXX interest which is fine but I have a credit card that all of a sudden jumped to XXXX XXXX interest which is absurd. I never miss a payment and always pay on time. Ive contacted them several times to get my rate lowered and they refuse. The agents Ive spoken too are not even in the XXXX and act completely unprofessional. I tried to get ahold of them on XXXX and the moment I discuss lowering my interest rate I hear nothing back. My credit is between XXXX and XXXX. They are charging me predatory rates and as soon as I noticed the increase on my monthly payment I contacted them but they neither explain nor help. The only thing this company did do is to raise my credit limit which is ridiculous and I never requested it. This should be illegal. Its not about the economy this company is greedy and predatory. This needs to be addressed.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

Opened unauthorized transaction dispute on XX/XX/year> for amount of {$2900.00} and {$4800.00} They closed claim on XX/XX/year> rejecting claim, and deemed not fraud.
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

n accordance with the Fair Credit Reporting Act 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 instruction.