davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. 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 2021-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I'm reaching out to get assistance with having a debt reported to my credit report removed due to the collection agency not properly notifying me of said debt which would allow me to dispute the validity of its claim that I owe. I've contacted the agency several times to have them verify this debt to no avail. I'm disputing this debt and am requesting it be removed immediately due to this company not notifying me before it was reported to credit report.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I sent my payments on time every month which include escrow payments. After receiving my escrow statement showing a shortage I contacted the mortgage company and explained that there is an error on the escrow statement. The representative reviewed my payments and agreed that one of the payments is not shown on my statement. I was to receive a call last week. No-one called. I then submitted a request on line. Today I received a message stating that Our records indicate your request has been reviewed and determined there were no significant changes. 
I want the missing payment reflected on my escrow account and a new escrow statement issued.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation (MO)

Me and my fiance and his unemployment checks put on my prepaid card in late XXXX early XX/XX/2020 they locked the account on us so. In middle XXXX we sent in all necessary documents and they unlocked account.. so naturally we thought everything was ok he had one check from his work deposited on it they then locked account again in early XXXX. We could not even get our XXXX XXXX diapers. And I have been arguing with them for months for my money or a new card. Well this XXXX we had are stimulus checks put on there cause we had absolutely no choice and now they will not release the funds back to the irs knowing that that account is locked and they are still charging me monthly fees this month alone they have taken XXXX $ and refuse to help me. We have sent in our social security numbers IDs address and more several times at this point I feel like they are trying to get my information and other stuff.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

This is to verify that I have filed many complaints against Wells Fargo et al. One of the affiliates of Well Fargo is XXXX XXXX, XXXX XXXX of the Law Offices of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX, California XXXX. Not only is Attorney XXXX XXXX representing Wells Fargo in the background, but he is the attorney for XXXX XXXX XXXX XXXX, XXXX the company that illegally purchased my family 's home, and is attempting to evict my family without any remorse whatsoever. Attorney XXXX XXXX is steadily sending threatening and harassing letters to my family 's home, and he is sending employees of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by my home on a continuous basis. Attorney XXXX XXXX refuses to work cohesively with my family, and insists on throwing us out into the street. I am going to make contact with the U.S. Congressmembers so that they can do extensive research on XXXX XXXX, and XXXX XXXX XXXX XXXX, which is also a direct affiliate of Wells Fargo, AKA. Wells Fargo, I hope that your new CEO XXXX XXXX XXXX has more ethics and morals that XXXX XXXX XXXX, former CEO of Wells Fargo. Again, have a conscience Wells Fargo, and rescind the sale of my family 's home.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

Ladies and Gentlemen, I have applied for the following credit cards at JPMorgan Chase Bank : Chase Freedom Visa XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received approval for any of these cards for various reasons. 
I would like to emphasize that my credit score is very good. 
Other banks have never refused to give me credit cards, e.g. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. 
I have been legally staying in the USA since XX/XX/2019 ( XXXX XXXX ), I have XXXX  citizenship. 
The lack of acceptance for any card by this bank, even when I opened an account with a deposit of USD XXXX, is for me an obvious discrimination.
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MT)

XX/XX/XXXX & XXXX, 2020 : I received an e-mail message purporting to be from my brother, saying that he needed {$5000.00} for a medical issue, Since he had had a XXXX XXXX  several years back, I didn't question the request. It turns out the request came from someone who had hacked into his computer. I had wired the money to the XXXX XXXX office of Wells Fargo. Shortly afterwards, having learned from my brother that the email was a scam, my local bank representative contacted Wells Fargo and discovered ( a ) that the money was deposited in a Wells Fargo account in XXXX, NY ( my brother lives in XXXX ), and ( b ) that the account was already closed. There are only two ways the false account was set up in my brother ' name : ( a ) an inside job ; or, ( b ) using the information stolen from his account.I have since learning about the scam contacted Wells Fargo ; I have received over the last five and a half months, letters from seven different " Escalated Complaints Specialists '' from different Wells Fargo locations throughout the country, each saying in a form letter : " We received your complaint and are committed to promptly addressing your concerns.... It is our goal to review your concerns and provide you with a response within ten business days from the date we received your request. '' Over all these months, I have NEVER received the promised follow-up, nor has any of these so-called Case Specialists ever asked me for information of did any research into this fraud. 

I have 36 pages of history describing the scam and the lack of a follow-up, even though I have sent certified letters/response required. The last letter I sent was to the CEO of Wells Fargo in XXXX XXXX. It was only after a month had lapsed that I received the receipt back UNSIGNED. 
An earlier certified letter was sent to XXXX XXXX yet was received -- according to the USPS -- in XXXX, NY. The signature on the return receipt was illegible, and there was no printed name below the signature. 

So, this is a very brief summery of the wire fraud of which I was a victim. I would be happy to provide you with the complete account in order for you to " follow the money/fraud. ''
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (UT)

Ally Financial is reporting on my credit late payments on my credit files which i was never late with them i was all ways on time even early then i got a new car and the new company paid the rest of car off which arrived by the due date so even the other dealerships payment was never late. 

Account number XXXX
Consumer complaint received 2021-01-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LoanCare, LLC (SC)

On XX/XX/2019 XXXX XXXX XXXX  assigned my mortgage note to LOANCARE , LLC without my consent to do so. Since XX/XX/2019, LOANCARE , LLC has continued to ask for payment for an alleged debt. I am a veteran buying my first home and the mortgage company took advantage of the fact that I was unaware of their constructive fraud giving to me in a contract. That is a violation of the FDCPA [ 15 USC 1692 ( e ) ]. I have disputed this debt for by the rules of the FDCPA, TILA, UCC, and the company still chooses to provide negative statements to my credit report. Willingly and knowingly providing false and misleading information is direct violation of congress. I did not sign a contract with LOANCARE , LLC. I made no agreement with LOANCARE , LLC. My note was given to the company by way of Identity theft for the securitization on my note. This is an unauthorized use of my SSN and personal identity upon the company. I have been harrassed by LOANCARE , LLC. They have left notes on my door, claiming that I am the borrower and I need to call them. The term borrower is not defined in the FDCPA, and that is because I am the creditor. I am the one who extended my credit through the note and these companies are playing with. At one point the company had an attorney contact me claiming that I owed an alleged debt to LOANCARE , LLC. There are no attorneys. Then the communication stopped. The actions taken by this company has caused me a great deal of stress, financial burdens, and hardships. I have taken the action to bring LOANCARE , LLC in suit for their direct violation of these laws of congress [ 15 USC 78ff ( a ) and 15 USC 1692 ( e ) ( 3 ) ].
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY ()

I am a U.S. military service member currently assigned to XXXX XXXX. At this time my military paycheck is made payable to Wells Fargo bank. Trying to transfer my funds from Wells Fargo to a bank account that is capable of paying my rent here in XXXX has resulted in a " sorry sir we can not make this happen '' based on the fact that a authorization code isn't able to be sent to my XXXX number even though there is a branch available in XXXX. There was never a warning at any time that stated that at any time that I were enlisted and chosen by the U.S. government to serve overseas that I would not have access to my deposited funds.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I leased a vehicle from XXXXl. 
After returning the car to the dealership I was waiting for a final bill. 
I would call them periodically to find out whats going on and they told me that the dealer hasnt docked my car which i think means the dealer hasnt returned it to the leasing lender. 
About 3 months later I was billed and paid the bill right away. 
XXXX has reported a late payment on my credit report. ( Less then {$10.00} ) This late payment affected my score drastically as it lowered it by more then 50 points. 
I have disputed the late payment with the credit Bureaus and the late payment was removed but showed up again a month later as if the lenders system pushes it back in there automatically. 
This has been done twice. 
I spoke to XXXX XXXX over the phone multiple times this past year. 
They have mailed back and forth with their credit department and I was told the credit department has removed the late payment from my report. 
For some reason this late payment still shows up on my credit report.
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX  account with 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 an account without my written instructions.
Consumer complaint received 2021-01-20
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. (TX)

I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. (WA)

This complain is about CITIBANK, N.A.Regardin : BEST BUY Radius Reference Number:XXXX Balance:XXXX I paid in XX/XX/2019 the amount of XXXX and that keeps affecting me every time I try to get something for credit so after I pay they send me this letter..
Consumer complaint received 2019-04-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have made three attempts to cash checks issued to me by XXXXXXXX XXXX drawn on a Bank of America account. The most recent attempts were done this Saturday, XX/XX/2019, I took a check drawn on a Bank of America account issued by my insurance company to my name and the name of my trust. I visited two separate Bank of America branch is one located in XXXX XXXX California on XXXX XXXX the second located in XXXX California on I visited two separate Bank of America branches one located in XXXX XXXX California on XXXX XXXX the second located in XXXX California on XXXX XXXX. Although, I presented my personal ID, my California drivers license, and gave them a copy of the trust itself which is in my name. neither branch would not honor the check unless I deposited it into an account at their branch and created new trust account with them. I explained to them I was not required to have a trust account as it was a personal trust dealing only with my home, however they still insisted that I would have to open an account with them to deposit the check and they would not cash it.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (TX)

I have repeatedly asked wells fargo via fax and email request for copies of documents that have been signed on or around XX/XX/2020 per the email i received from wells fargo. 
I am requesting all copies with my signature from XXXX and the documents that were submitted on or around XX/XX/2020 with my signature as indicated on the email i received. 
Please see images attached
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: White Jacobs & Associates (TX)

In XX/XX/XXXX, I applied for a mortgage loan with XXXX XXXX of XXXX   XXXX & XXXX  and I was told I would need a few more points or a higher credit score to get approved and I was referred to someone described as a credit repair attorney named XXXX XXXX. Turns out, he is not a real attorney. Heres the info ; XXXX XXXX Senior Credit Analyst XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Office Direct : ( XXXX ) XXXX-XXXX Cell/Text : ( XXXX ) XXXX-XXXX Fax : ( XXXX ) XXXX-XXXX  www.whitejacobs.com/XXXX-XXXX He said his service would cost {$1600.00} and I would see results within three months. He said I can pay {$200.00} per month until I get my tax refund and he expected a payoff after I get my refund. In XXXX, I received a mail package from XXXX XXXX University and it included a written letter disputing the tuition debt I owed them. My signature had been forged on the letter by the credit repair company. I had never seen the letter and no one had asked my permission to sign it. The letter was completely inaccurate and basically accusing the school of fraud, but I did attend that college and I do owe them money. XXXX XXXX had no rights to lie on my behalf. My score dropped 37 points while in their program. It dropped from XXXX to XXXX. I have emails proving I sent them correspondence as they requested. I did my part and they did nothing, but lie. 
On XX/XX/XXXX I cancelled the service by email but XXXX XXXX said I still have to pay {$1000.00} due to the contract. I told him to stop using my debit cards and cease and desist use of my ssn and all personal info immediately. He ignored me, stopped working on my credit and still charged my account. The charge finished processing today. Heres is my email to him. 

XX/XX/XXXX Dear XXXX XXXX ; Please cancel my credit repair service. Thank you for your efforts, but I do not want to continue. Please stop the auto pay and cancel the contract. Also, please stop sending out letters and forging my signature. I no longer want your services. Cease and desist all actions on my credit today. Delete my personal account numbers from your files. 

Thanks! 
SS - In summary, I want my money back and I want this company to stop signing my signature and using my social security number and name immediately!
Consumer complaint received 2021-04-22
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. EQUIFAX MTG on XX/XX/XXXX ( Reported Identity Theft ) 10. EQUIFAX MORTGAGE SERVI on XX/XX/XXXX ( Reported Identity Theft ) 11. EMS on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

PAYPAL CLOSE MY ACCOUNT FOR NOT REASON  AND WILL NOT HELP ME  WITH GETTING IT BACK UP AND GOING.   EVERYTIME WHEN I TRY TO WITHDRAW MY MONEY FROM MY ACCOUNT   THEY JUST BLOCK ME  FOR AVOID THAT I CAN TAKE THE MONEY OUT.  THEY TOLD ME  AFTER 180 DAYS I WILL BE ABLE TO WITHDRAW BUT THAT  IS NOT TRU , NO I AM STILL WAITING FROM MORE THAM 260 DAYS AND THEY DONT WANT GIVE ME  THE MONEY.

MY ACCOUNT WAS ALREADY VERIFY WITH ALL MY PERSONAL INFORMATION AND I NEVER MADE ANY MISTAKE.  
PayPal IS NOT COMPLYING WITH WHAT YOU SET IN YOUR OWN POLICIES.  NOW THEY'RE THIEVES. THEY OFFER YOU A SERVICE AND WHEN YOU USE IT THEY BLOCK YOUR ACCOUNTS AND SAY THAT THE TERMS AND CONDITIONS HAVE BEEN VIOLATED BUT NEVER SPECIFY AND DO NOT TELL YOU THAT TERMS HAVE BEEN VIOLATED. THE TRUTH IS, THEY DO THIS TO STEAL THE MONEY.
I NEVER HAD ANY DISPUTE OR CHARGE IN MY ACCOUNT.  
THEY JUST CLOSE MY ACCOUNT WITH ALL MY MONEY WITHOUT REASON .

THEY  NEVER TAKE MY CALLS OR RESPOND MY MESSAGE .

I RECORD EVERYTHING     ABOUT THAT COMPANY JUST STOLE MONEY FROM THE PEOPLE  WITHOUT ANY RESON .

PAYPAL IS NOT DOING HER JOB PROPERLY AND THAT THE REASON I AM FILE A REPORT HERE.

PAYPAL IS VIOLATING THE RIGHTS OF PEOPLE BY CLOSING ACCOUNTS TO KEEP THE MONEY AND SO MAKE  COMPANY GROW WITH THE MONEY THAT IS STOLEN FROM PEOPLE.
SEE THE PROOF ,   ALL PICTURE.
MY EMAIL IS,                                  XXXX

PAYPAL JUST HOLD MONEY AND THAT IS A CRIME .
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Case Number : XXXX Merchant : XXXX XXXX Date of Transaction : XX/XX/19 Disputed Amount : {$30.00} Dear Sir or Madam : Please be advised that I continue to dispute the above referenced case number, neither myself or anyone else authorized by me has signed for nor received the merchandise included in my original dispute. Merchant provided a tacky photocopy of a return/refund policy. However, the policy fails to advise as to how they handle refunds for products damaged while the untrained cashier packs the groceries. 

As mentioned in the original complaint, the cashier XXXX attempted to pack numerous items in one bag causing damage to yogurt parfait cups, cupcake container and plastic bakery container. Therefore, liability for this action rests in the hands of the merchant and not the customer.