davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-13
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 (OR)

I am writing to express my concern regarding the permanent limitation that has been imposed on my PayPal account. I strongly believe that this limitation was placed on my account due to a mistake or misunderstanding. I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that warrant such a restriction. 

I kindly request that PayPal re-investigate my case thoroughly, taking into consideration the following points. Firstly, I have been an active PayPal user for several years without any previous issues or violations. This sudden limitation has come as a surprise to me, and I genuinely believe it to be an error. 

Secondly, I have always conducted my PayPal transactions in accordance with the terms and conditions outlined by PayPal. I have never been involved in any fraudulent or unauthorized activities, nor have I violated any policies regarding payments or account usage. 

In light of the above, I humbly request PayPal to re-evaluate my account and restore it, if possible. I kindly ask for your prompt attention to this matter, as it has caused significant inconvenience and disruption to my financial activities. 

For your reference, the email address associated with my PayPal account is XXXX. I would greatly appreciate any updates or clarification regarding the status of my account, as well as any steps I can take to assist in resolving this issue. 

Thank you for your understanding and anticipated cooperation. I trust that PayPal will conduct a fair investigation and come to a favorable resolution.
Consumer complaint received 2023-06-13
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. (GA)

DOE XXXX is fraudulently reporting student loan accounts to my credit profile. DOE XXXX has been found guilty for deceptive and predatory practices, including reporting inaccurate account information to the XXXX major CRAs, XXXX, Equifax, and XXXX. There are several DOE XXXX accounts that MUST BE REMOVED from my credit profile immediately! My request to block is not being made in error ; nor is my request being made on the basis of misrepresented material facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. 

FCRA LAW VIOLATION 15 U.S. Code 1681b and 15 U.S. Code 1681c-2
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/2018 I made a visit to XXXX XXXX in XXXX XXXX, XXXX county. I sat in front of customer service person XXXX. I told XXXX to follow -up on a payment of {$500.00} I paid to XXXX  credit card. 

XXXX said that she will re-submit the {$500.00} payment through my connected account in XXXX XXXX. XXXX had my XXXX XXXX account opened in front of her on her computer. XXXX called the XXXX Credit card to make again the {$500.00} payment. XXXX XXXX failed to make this payment as they promised me and reported me as a delimquent person to Equifax XXXX  and XXXX. XXXX Credit card also took a payment from me around XX/XX/2018 for {$3000.00} XXXX Credit card failed to put my XXXX XXXX  acoount numbers correctly in their computer. I asked XXXX XXXX  to make a one time payment only to my credit card. XXXX XXXX XXXX never heard about this transaction. XXXX claims that XXXX reversed the payment. XXXX credit card has defrauded me. They have reported me to the credit companies fraudulently making me look delinquent. 
XXXX credit card is to delete these false rating 's against me.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX of XXXX XXXX and XXXX XXXX XXXX checked my credit without my authorization XXXX XXXX XXXX and XXXX XXXX XXXX XXXX checked my personal credit without my authorization Neiman Marcus checked my credit file without my authorization
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, Wells Fargo Bank converted my XXXX XXXX account to an " Everyday Checking '' account, as they eliminated the XXXX XXXX accounts. 

On XX/XX/XXXX, I discovered that they reduced the amounts eligible to be deposited through mobile banking when I was unable to make a deposit. 

This material change to the account terms was not conveyed or described in any of the following places : 1 ) The email sent from Wells Fargo announcing the change.

2 ) The information printed on the statements from Wells Fargo.

3 ) The Wells Fargo website under their description of the different accounts. XXXX XXXX XXXX XXXX  accessed XX/XX/XXXX ) I talked with two different people at Wells Fargo XXXX XX/XX/XXXX ( initial customer service and then escalated. ) Their response can be summarized as : " We recognize we didn't include this information in the documents, and we can't and won't do anything about it. We can not adjust how much you are allowed to deposit through the online banking app for your current account. If you switch to a different type of account with an increased fee structure, that other account might have a higher deposit limit. '' From my perspective, this new limit on deposits is a material change to the account terms and should have been conveyed prior to the account conversion. The lack of appropriate notification and documentation of the change is a concern.

This appears to be a violation of of Section 1030.5 ( a ) ( 1 ) requiring banks to give advance notice of change in terms.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AR)

I ( consumer for Synchrony Financial ) DBA XXXX XXXX feel I have been a victim of unfair credit practices. I noticed my credit has taken a hit when the Financial Company has decreased my credit limit causing utilization to be way above what it should be. As having said so, I was never made aware of my limit decreasing at random, otherwise would have tried to find a way to pay more toward the account to take a less effect on my credit. Ive contacted Synchrony Financial, XXXX XXXX STATES the bureau decides the changes need to be made. I as a consumer know that this information is false and many times calling into synchrony financial getting misled. This needs to be fixed as illegal practices can not be resumed, as this is very damaging to consumers whom never received notices about changes in terms of the original agreement.
Consumer complaint received 2022-04-06
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. (IN)

On XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
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. (CA)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-28
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Navient Solutions, LLC. (LA)

I am writing to formally request validation of the debt referenced in your recent correspondence regarding an account held by Navient in the amount of {$39000.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt you claim I owe. Please provide the following information : The amount of the alleged debt. 
The name of the original creditor ( XXXX ). 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A copy of the original agreement or contract that obligates me to pay this debt. 
Any other documentation that supports your claim. 
I dispute the validity of this debt and request that you cease all collection activities until you provide the requested validation. Additionally, I ask that you refrain from reporting this debt to credit bureaus during this verification process. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2019-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I recieved an email on XX/XX/2019 claiming that my account was overdrawn which is was not the balance was {$2.00} i know thats not alot of money but when your on SSD and check is about to be deposited funds are low. anyway I called the number on my screen that it gave me when I tried to access my account. The woman on the phone was rude and refused to tell me why all she kept saying was for privacy reasons we can not discuss why your account is restricted which means I have no access to my money. as for my social security check they are refusing me access to it for at least two business days which makes it tuesday XX/XX/XXXX! i dont understand why if they are gon na be closing my account why they are denying me access to my money!!!! I live off of my ssd check I pay my rent and oother bills with it there has to be laws or rules against it so now due to chase bank doing this I have gone into severe XXXX with XXXX  XXXX because due to chase holding my money for no reason I may not have a car nor place to stay!!!!!! Its my money not theres!!!! The women at the loss prevention for chase are rude and extremely disrespectful to there customers~~!!! I DO NOT OWE CHASE ANY FEES NOTHING MY ACCOUNT WAS NOT NEGATIVE!!!!
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Hello to whom it may concern Im a customer of XXXX card Ive had since 2011 they never allow me to get my 1 year free credit report. Additionally they fraudulently lowered my credit limit from XXXX. To XXXX $ discriminated against me because I let my Daughter be a card holder while she was using her user card at XXXX university in Florida . Im a working class so I believe Im being discriminated against, then XXXX card refused my free credit report and lowered my limit and return this lowered my credit report 50 points.
Consumer complaint received 2024-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (FL)

The credit card is Fidelity Rewards Visa Signature Card services run by Elan Financial Services. 
I had availed a 21-month 0 % financing and transferred {$11000.00} and {$8000.00} from chase to this bank. 
As far as I know I was not made clearly aware of a ( 3 % ) promo transaction fee that amounted to $ {$590.00} for both transactions. 
On inquiry, I was told that it was part of a disclosure. So, I asked them to send me a copy of the disclosure. They refused stating that it is against the company policy. 
I feel this is a deceptive practice with a view to collect substantial fee upfront. 
So, I feel I should be credited the entire promo transaction fee and the company be warned to stay away from such practices. 
The size and display of the promo charges should be as bold as the 21-month 0 % promotion so that the consumer knows clearly what he is getting into.
Consumer complaint received 2020-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (OH)

I have a XXXX XXXX account as an additional savings account I try to forget about except for when Im adding money to it. Im trying to transfer money from my PMC account, but apparently, PNC doesnt allow those transfers. This is stupid. Now I have to figure out how to get money from one account to another.
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I was in the hospital beginning XX/XX/2023 after experiencing other health issues the past several months and was hospitalized until XX/XX/2023. My phone with my passwords and PIN was left in my room and someone got a hold of it. I lived with 4 roommates and people were constantly going in and out of the house. I submitted a dispute for all the transactions that were not done by me and my claim was denied. I have since moved out of that house due to this issue.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/23 I initiated a withdrawal for {$760.00} on the Bank of America ATM located at XXXX XXXX XXXX, XXXX Ma XXXX, When I attempted to use the ATM, an error message appeared that the ATM was unable to give me money, and that my account would receive a credit. And I couldn't withdraw money successfully. I immediately called the bank, and after waiting on the phone for several minutes, the representative informed me the problem would be resolved the next day when the ATMs closed and settled. 
I was also instructed to dispute the transaction, however, due to its status ( IN PROCESS ), it was not possible to do so. 
I checked the account the next day and the withdrawal was settled but there was not any credit for the amount soI filed a dispute online and I called again, the person told me they were going to start an investigation and the money was going to be credited in 45 days, after explaining again the situation and stating that I needed the money to pay rent, he told me he was going to credit the {$760.00} in 10 business days that is XX/XX/XXXX but if the investigation was inconclusive I had to return that money, The ATMs have cameras but they told me another company manages the ATMS so that's why the process takes too long, I don't think is fair to wait even one day for the money because it was money I had in my checking account and I have to lend money from someone to pay it on time. I have called several times to talk to different agents and they all say that I have to wait and is still on investigation.
Consumer complaint received 2019-02-28
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)

XXXX, XXXX  and experian are incorrectly reporting an account that is not mine, I have reached out the past 3 months to the bureaus with no response as of yet. I am currently in the process of filing a law suit with ( XXXX  XXXX  XXXX  XXXX located in XXXX Pennsylvania against the bureaus for negligence.My lawsuit includes will include the following names : Experian- XXXX XXXX XXXX Operation supervisor XXXX XXXX Vice President and associate General Counsel XXXX XXXX Senior vice president enterprise fraud ID theft XXXX XXXX Vice president and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief Legal officer XXXX-XXXX  XXXX Executive Vice president XXXX XXXX Director fraud and identity management All the following will be named in lawsuit if the following are not removed, This situation has ruined my credit worthiness and prevented me from getting a home. The house my family and I was under contract to buy was sold due to the fact that we could not get this account removed from my credit report.in time before closing. I am extremely upset and will stop at nothing to get this account removed immediately.. If this account is not removed immediately i will continue with my law suit as followed.. The bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Keep in mind that i have already opted out of arbitration. So my grounds to sue are valid. please assist me in removing this account immediately XXXX/XXXX  XXXX $ XX/XX/XXXX closed account this account is reporting on all 3 bureaus also address that I dont recognize XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Inquires that were unauthorized XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-12
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. (NY)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. 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. 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}.
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (FL)

On or about XX/XX/XXXX, Gregory Funding LLC ( " Gregory '' ) acquired the servicing of the subject mortgage ( the " Mortgage '' ) from XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) ..The Mortgage was modified by a Modification Agreement dated XXXXXX/XX/XXXX ( the " Modification Agreement '' ), a copy of which is attached to this complaint. The crux of this complaint arises from the interpretation of the Paragraph 3C of the Modification Agreement, which appears on pdf page 9 ( page 2 of 2 ) of the Modification Agreement, This Paragraph provides for a {$77000.00} principal reduction ( the " Deferred Principal Reduction '' ), one third of which shall be granted in the " first, second and third anniversaries of XX/XX/XXXX '' of the Modification Agreement, " provided I am not in default of my new payments SUCH THAT THE EQUIVALENT OF THREE FULL MONTHLY PAYMENTS ARE DUE AND UMPAID ON THE LAST DAY OF ANY MONTH, ON EACH OF THE FIRST, SECOND AND THIRD ANNIVERSERIES of XX/XX/XXXX [ emphasis added ]. '' Because of a change in bank accounts, the prior servicing agent ( XXXX ) did not process the XX/XX/XXXX payment until XX/XX/XXXX. Gregory has interpreted this one late payment to constitute a default under the terms of the Modification and refuses to grant the second portion of the Deferred Principal Reduction, constituting the sum of {$25000.00} ( one-third of {$77000.00} ). Gregory claims that since the XX/XX/XXXX payment was processed three months after the due date, I was in default of three full monthly payments, even though I paid the XXXX and XX/XX/XXXX and the XX/XX/XXXX payments when due. Despite numerous telephone conversations and letters, Gregory improperly refuses to grant the {$25000.00} principal reduction. I have attached my letter to Gregory dated XX/XX/XXXX ( see the date the top of page two of the letter ), Gregory 's response letter dated XX/XX/XXXX, and my attorney 's letter to Gregory dated XX/XX/XXXX. Neither my attorney nor I have received a satisfactory response to these letters or the requested principal reduction.
Consumer complaint received 2023-06-13
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.