davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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: Activehours (MI)

On XXXX/XXXX/23 the XXXX ATM on XXXX and XXXX did not dispense my XXXX withdrawal from my XXXX card. 

I contacted both XXXX and XXXX and did not receive a resolution
Consumer complaint received 2020-04-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CT)

Hi, On XX/XX/2020, I sent money via " friends and family '' using PayPal 's service to someone who turned out to be engaging in fraudulent conduct. This person was believed to be associated with my sister 's church and I was transferring money for tickets to a XXXX  conference. After sending the funds, I was provided with a link that would not work for the tickets I had paid for. The name on the person 's PayPal account was also different than the person I believed I was purchasing the tickets from. I immediately contacted PayPal when I realized that I had been scammed and they told me they couldn't help me as it was a " friends and family '' transaction. They suggested that I contact my bank, which I did and put and stop payment on the funds coming out of my checking account. The funds were only briefly taken out, but then returned to my checking account. I then filed a dispute with PayPal as my PayPal account was showing a negative balance. PayPal claims to have reviewed by account and has closed the case. They are permitting this individual to scam other people. I would like assistance in crediting my PayPal account, but most importantly, I would like to have this person stopped as PayPal hasn't done anything to prevent it from happening again to someone else. As you can see in the messenger thread I've attached, the person providing the tickets was " XXXX XXXX '' but the name on the PayPal account is " XXXX XXXX. '' The person took themselves off XXXX XXXX shortly after the event occurred and I was unable to reach out to them. I have made XXXX aware and have also filed a complaint through the FBI 's Internet Crime department just yesterday.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (TX)

Dates : XXXX - {$150000.00} deposit from XXXX XXXX XXXX XXXX - Account Frozen, Email from AMEX Stating " Security Measures '' were taken with my account. 
XXXX - 1st Attempt to Un-freeze Accounts, services unavailable on the weekend XXXX - XXXX Attempt to Un-Freeze Accounts, 1st AMEX Agent " initiates 3-5 Day transfer '' after resolving security issue XXXX - 2nd Attempt to Un-Freeze Accounts, 2nd AMEX Agent " initiates '' funds transfer after resolving 2nd security issue XXXX - 3rd attempt to un-freeze accounts, 3rd AMEX Agent states no transfer initiated, and will now initiate a 3-5 Day transfer XXXX - 4th follow up on issue, account still frozen, 4th Agent states no transfer initiated, and requests biometric security verification prior to initiating transfer. States a supervisor will be made available in 2 business days.
Consumer complaint received 2022-08-20
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 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 2023-03-08
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. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.
Consumer complaint received 2020-06-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

Complaint Description : Auto loan number XXXX paid in full and over payment check issued XX/XX/XXXX. Company " lost '' title and refuses to send payoff letter w/ notary. Auto loan number XXXX paid in full and over payment check issued XX/XX/XXXX. Company " lost '' title and refuses to send payoff letter w/ notary. Company listed on NJ title as lien holder for XXXX XXXX vin number XXXX. LightStream payoff letter dated XX/XX/XXXX sent to me via email. NJ DMV will not honor payoff letter without notary stamp from LightStream. Car has been sold and paid off by dealer. I am unable to obtain a replacement title from NJ DMV without payoff letter notarized. LightStream contacted multiple times for this issue and they refuse to honor their contractual obligation. My attorney XXXX XXXX XXXX has also contacted LightStream on this issue. Aside from misleading sales and customer service practices they fail to honor their lending obligations. I have mailed them multiple correspondence letters and have copied CEO XXXX XXXX as well as customer service representative XXXX XXXX.
Consumer complaint received 2023-03-07
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. (OR)

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 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. 

I gave no permission for any of this information to be on my consumer report. The information on my consumer report is thus in violation of aforementioned laws and must be removed.
Consumer complaint received 2023-03-07
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. (OR)

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  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. 

I gave no permission for any of this information to be on my consumer report. The information on my consumer report is thus in violation of aforementioned laws and must be removed.
Consumer complaint received 2020-06-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX in XX/XX/XXXX. XXXX. It was a payment of XXXX. 

Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. 

When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed XXXX XXXX XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. 
They keep adding these " third party expenses '' to my balance. They have added it 3 times. 
I am begging your agency to help me. 
I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. 
I am enclosing the documents that BOA sent me. 
I am enclosing the XXXX payment that BOA claims they cant find my account at XXXX bank.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MD)

US bank without my consent withdrew extra money from my account. They also claimed that they paid taxes on XXXX but it was not paid until the XXXX XXXX  XXXX which I ended up requiring a late fee. I was told and have a voicemail that they will pay the late fee and will return the money that was illegally taken from my account ( 233.88 ) dollars on XX/XX/XXXX. 

Now that this point this should have been resolved. However instead of returning the XXXX dollars back to my account. They took it back again. At this point they illegally took XXXX dollars from my escrow with out my consent. The second type they withdrew it was labeled as mortgage disbursement and the first time it was labeled as tax disbursement they never sent money anywhere. On XX/XX/XXXX, they took another XXXX labeled as mortgage disbursement. 

This should not be the case. They illegally took money from my account. And it seems that they are taking money out of my escrow as a mortgage disbursement. 

This looks like https : XXXX Violations for this complaint : Charging consumers unauthorized amounts. Our report found that, in some cases, mortgage servicers overcharged borrowers for services or added fees outside of their loan terms, including for home inspections and Broker Price Opinions. 
Misrepresenting mortgage loan transactions and payment history in online accounts. Examiners found that servicers provided inaccurate descriptions of payments and transaction information, which may have misled borrowers.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AR Resources, Inc. (NJ)

Since XX/XX/2020 I've been disputing inaccurate reporting on my credit report. 

AR Resources keeps saying I owe a debt, but I've never done business with them or XXXX XXXX XXXX XXXX. The account number is XXXX. 

I've sent certified letters requesting this company to adhere to The Fair Credit Reporting Act Sections 609 and 611, which state they have to validate that this debt actually belongs to me by providing the original contract bearing my signature and my social security number and how the debt was verified. They've yet to do so because they don't have this information. 

I DO NOT WISH FOR ANYTHING TO BE VERIFIED VIA E-OSCAR! 

They tried sending an invoice that doesn't include any information that is necessary to validate this debt by law. At this point, it's harassment, and I'd like this inaccuracy removed off my credit report.
Consumer complaint received 2023-03-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 2020-06-09
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IN)

Greetings CFPB : This message is about a closed Citibank revolving credit line still being reported as open. Thank you for receiving my complaint. 

I opened a revolving credit line with Citibank ( IL ) in XXXX, called " Ready Credit '' ( now called " Checking Plus '' ), and paid it in full satisfactorily during XX/XX/XXXX ( this is currently confirmed by Citibank reporting to credit bureaus ). It was closed at that time, and my available credit was reduced to XXXX. 

Now, nearly ten years later, that account is still listed on my online banking profile within the bank itself. I have tried to remove it but they say it is closed and not to worry. They do not seem to know how to remove this old account. The XXXX  available credit currently reported also negatively impacts my credit utilization, doubling the negative effect of this decades-long situation. That lower credit score has caused me to suffer from higher interest rates, particularly high-value ones like the 30 year mortgage I obtained in XXXX, and hope to refinance to a rate reflective of my true credit worthiness. 

I have tried to get this removed with Citibank directly, and also disputed it with the credit bureaus, to no avail. Citibank reaffirms their reporting, despite simultaneously reporting that the account has XXXX balance and XXXX  credit available since XXXX, and that there has been no balance nor any credit availability for a decade. I am helpless in this situation. 

Kindly request that they correct their information system and accurately report the status of my relationship with them to the credit bureaus. This account was closed. 

Thank you, XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX  XXXX This account is not mine Delete it immediately Inquiries : XXXX  Mortgage I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX XXXX did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX  XXXX  I did not authorize XXXX XXXX immediately
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX XXXX XXXX in XXXX, FL told me my loan would be with Wells Fargo Auto Loans and provided me a specific payment amount and my first payment date. 

A few days later I received a call from an unknown number. When I answered the woman started asking me a lot of questions about myself and my income, etc. After pressing her to tell me why she was calling, she said she was with Wells Fargo Auto Loans and this was a standard welcome call to verify information. She told me that I would receive information in the mail in a few days regarding setting up payments, etc. 

On XX/XX/XXXX, I received a form letter from the dealership stating they had exercised the option to cancel the contract and I was to return the vehicle. This letter was dated XX/XX/XXXX. I called the dealership and the finance person said that Wells Fargo turned me down for the loan because they didn't understand the deferred income shown on my pay slips I provided. Bear in mind that this was the first time I had been told of this. The finance person said not to worry that he had another bank that would take the loan. At that point, it would have been difficult to unwind the deal and give me my old car back because they had already paid off that loan and sold that vehicle. 

On XX/XX/XXXX, he called me back and told me he had gotten me approved at XXXX XXXX. He asked if I could come in and sign the paperwork that it should take no more than a few minutes. I said I could come the following morning. 

on XX/XX/XXXX, I arrived at the dealership and went to the finance person 's office. he was not prepared for me and said to give him a few minutes. I waited in the lobby for 2 hours. In the meantime, I received several email alerts from XXXX that my credit was pulled at least 6 more times, including Wells Fargo. Finally, he called me back. Keep in mind that my credit score has now dropped from the XXXX range to the XXXX range because of all the inquiries. The approval ended up being from XXXX XXXX  but the interest rates were much higher and my payment was much higher. I felt trapped and had to agree to this because I had to have a car and they told me it was impossible to unwind the other part of the deal and get my old car back. They claimed that everything would be ok and I could refinance with a credit union in a few months when my credit scores rebound. 

I filed a complaint with Wells Fargo and they have told me that the reason I was approved because my pay slips indicate that the majority of my income comes from bonus/add'l income. They never gave me the opportunity to explain that and that the term " bonus '' is misleading.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NC)

I got a new Credit card in the mail in XX/XX/XXXX. I went to my personal bank, tried to get a cash advance and was told that the card was declined. So I withdrew the funds from my personal bank account. In XXXX, XXXX, I received my first statement from my new credit card, and the FIRST TRANSACTION on XX/XX/XXXX, was a CASH ADVANCE. My FIRST STATEMENT also included an important message that my ACCOUNT IS PAST DUE, however, this is my FIRST statement. I was charged a LATE PAYMENT FEE, CASH ADVANCE FEE, & I have a previous balance, but AGAIN, this is my first statement. I am also being charged an interest for the cash advance. I called Fortiva bank card, & I tried to explain the problems with charges I didn't authorize, and the cash advance that I was told was declined. After my daughter called 3 times for me, I was sent a letter on XX/XX/XXXX, about the unauthorized charges in XX/XX/XXXX. We sent that into Fortiva, no word yet. On each of my statements that have actually been sent, I am still paying cash advance interest charges. I have paid {$990.00} on this card since having received it in XXXX of XXXX. Every time I make a payment, around XXXX  goes to my balance, the rest just pays fees associated with my account. I am XXXX years old, and I am on social security. Only one or two times have I paid the minimum payment. If all I am going to pay is fees, I might as well not pay anything, because this card will never be paid off. I have cut the card up and  disposed of it. Fortiva keeps telling me that I am late on my payments, however they don't even send me statements to show me how much I owe. My daughter set the account up online, so she could see what is going on with it. In XXXX, the first statement has a due date of XXXX XXXX. I received the card in XXXX of XXXX. My agreement with them states that they will send me statements by mail, and they have not done so. I can only pay my bills with checks as I am not computer savy as my children are. For the 2020 year, there are only three statements listed, XXXX, XXXX, and XX/XX/XXXX. In XXXX 's statement it shows I am over the limit {$120.00}, and I haven't even used the card. It shows I have a past due balance of {$150.00}, and I have been sending them {$100.00} a month. They have charged me {$12.00} maintenance fee, and a {$40.00} past due fee, but the last statement I received before XXXX, XXXX, was XX/XX/XXXX statement. I am still also paying a finance charge for a cash advance that was declined in XX/XX/XXXX, and it has been 15 months ago.
Consumer complaint received 2023-03-07
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)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX