davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (WA)

Transworld Systems Inc ... Has just submitted a bill for payment of a XXXX Ticket Owed to the XXXX XXXX XXXX XXXX in Washington State, for ( {$230.00} ) This bill was fully paid using cashiers check # XXXX To : Transworld Systems Inc. ( {$200.00} ) Dated : XXXX. 

This is the second time the same bill has been submitted by the same company. ( Which is already paid ) XXXX they added another fee. 

This Violates their " Stipulated Order for permanent injunction and monetary judgment '' Signed with FTC XXXX/XXXX/2013, as a subsidiary of XXXX.
Consumer complaint received 2024-09-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (NV)

Dear Sequium Asset Solutions, I am writing to formally notify you that I am a victim of identity theft concerning the account you are attempting to collect. The account referenced below does not belong to me and was opened without my knowledge or consent. 

Account Information : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount of Debt : {$1200.00} Due to this identity theft, I request that you remove this account from my credit report immediately. I have attached documentation, including identity theft affidavit, to support my claim. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), you are required to cease all collection activities related to this account and ensure that it is not reported to any credit reporting agency. 

Please confirm in writing that this account has been removed from my credit report and that all collection efforts have ceased. Direct any future correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (SC)

Who do I even talk to about this? Yall marked my account as disputed, and now I cant get a car. Yall need to take that off ASAP. Why yall keep playin with peoples credit? This dont make any sense.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Bank is trying impermissibly to take some of my XXXX XXXX moneys on which my beloved and loving wife, best friend, and soulmate XXXX XXXX XXXX and our beloved and loving miniature XXXX XXXX XXXX XXXX VITALLY depend on to live! 

This is a bank with a most SORDID PAST! 

{>= $1,000,000} settlement with the United States Department of Justice or illegal sales practices! 

{>= $1,000,000} settlement with the Consumer Financial Protection Bureau for mortgage, automobile loan, and OVERDRAFT FEE violations A huge settlement with the Office of Foreign Assets and Control for " apparent violations of sanctions against XXXX, XXXX, and XXXX ''! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! And I am XXXX and so very deeply offended by Wells Fargo Bank because of THIS! 

Nearly {>= $1,000,000} paid out by this sordid bank to regulators and stakeholders in JUST XXXX ( XXXX ) YEARS! Astounding, appalling, abominable! 

AND {$260000.00} to XXXX XXXX XXXX whose requests it had rejected. Alone amongst XXXX banks in refusing to pay them! 

Now Wells Fargo Bank CEO and President and his sordid bank wants to take away and impermissibly and illegally and immorally and unethical so SOME OF MY XXXX XXXX MONEY when next the Social Security Administration deposits my money into my Wells Fargo Bank Account on or before Wednesday, XXXX XXXX All THIS to say that Wells Fargo Bank is SNOWBALLING IMPROPER AND ILLEGAL AND UNETHICAL AND IMMORAL OVERDRAFT FEES SO THAT ONE LEADS AND RUNS INTO THE OTHER IN AN UNENDING STREAM OF THEM SO THAT EVEN MY {$5.00} CHECK WAS THUS DISHONORED!
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (FL)

To whom it concerns, I have tried to pay the mortgage in full to this company. Their lawyers wo n't return my messages. In addition, instead of taking the money they have left threatening notices to change the locks on the doors and sent me a text message threatening me with eviction. I would like to speak with someone ASAP. 
It 's about money, right? Here it is then. 
Thank you, XXXX ) The Full name does n't fit in the required placement. 
It is Wilmington Trust, National Association XXXX Ny XXXX Aliases : NOT IN ITS INDIVIDUAL CAPACITY, BUT SOLELY AS TRUSTEE FOR XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHERRY TECHNOLOGIES INC. (NE)

I filed bankruptcy and Cherry Technologies was dismissed through the bankruptcy. Bankruptcy was XX/XX/year>. Cherry technologies continues to contact me about paying off my debt. My attorney has contacted them on 3 separate occasions. Asking them to quit contacting me. Cherry Technologies continuously contacts me and leaves Voicemails.
Consumer complaint received 2024-09-17
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: CarMax, Inc. (AZ)

I noticed unauthorized inquires on my credit report, I sent emails and certified mail to the credit bureaus and the creditors. It has been more than 30 days and they have failed to respond and or remove the inquires.
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc. (TX)

I received an alert from my credit monitoring services, to check my credit reports. Credits Reports are showing an account opened on my behalf by XXXX XXXX ( date unknown ) and it was referred to a collection agency services on XX/XX/2016 with an outstanding balance of {$380.00}. The Collection agency name is AMSHER Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX / XXXX. Collection agency account number is XXXX. The collection agency referred me to a Law Firm called XXXX XXXX XXXX, phone number XXXX. XXXX does not have any record of me opening a business corporate account on my name nor SS.
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/year>, I saw a transaction from Capital One Auto Finance on my checking account summary that amounted to almost {$1000.00} in a bank draft fee. After not recognizing it, I immediately contacted my bank to dispute this transaction, and that's when I was told that this account belonged to someone I have no association with nor am I familiar with. At this time, my bank told me they would create a stop payment to stop any further auto drafts. However, today, XX/XX/XXXX, I saw the same vendor withdraw almost {$500.00} from my account again. I have tried to contact Capital One, but because I am not the main person on the auto loan account, they can not assist me in removing my checking account from that auto loan account. I request an immediate halt to the unauthorized withdrawals from my checking account related to an auto loan that I am not the holder of, nor did I ever consent to have my banking information linked to this loan.
Consumer complaint received 2024-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MARINER FINANCE, LLC (AP)

I was reviewing my credit report during the month of XXXX and noticed 2 account was the same amount from a loan company and a collection company. Mariner Finance had an amount of {$5500.00} listed as a charge off, XXXX XXXX XXXX now has a collection in my name for the same {$6600.00}. I sent a written letter via certified mail to XXXX XXXX XXXX tracking number XXXX on XXXX XX/XX/XXXX, I requested a response within 30 days to verify the debt and I have not received any written response back.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (NC)

When trying to apply for a house I was denied due to negative balance maxed out from chime credit builder card. This account is not accurate, I did not have a balance owed for this amount of {$1200.00}. 
However, this is a credit amount of my own money reported not a balance owed amount. I reached out to chime which they asked me to dispute this report.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (AZ)

I made a {$1600.00} payment to XXXX XXXX XXXX and they show the payment as received but forgot to apply it. I called them and they confirmed the payment as received which I can see on their webiste but are " looking into '' why it was not applied. I need them to apply it to my account because I have a large balance because they took my money but never applied it to my balance. 

XXXX XXXX XXXX under my name and their number is XXXX
Consumer complaint received 2024-09-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Not sure the FCO - Fair collection & outsourcing. Inc. has the authorization right to collect the total debt for the owner. Are they legally appointed by the property owner / XXXX XXXX XXXX XXXX for debt collection, as claimed by them or purely another scam.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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: Exeter Finance, LLC. (AZ)

I noticed unauthorized inquires on my credit report, I sent emails and certified mail to the credit bureaus and the creditors. It has been more than 30 days and they have failed to respond and or remove the inquires.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (TX)

Ive tried contacting this company several times through mail and CFPB and nothing gets rectified. They keep saying theyve done a full investigation and I keep putting the same numbers back on my credit report.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MoneyLion Inc. (CA)

M

oneylion has been charging me member fees and credit builder loan fees multiple times per month on several different accounts simultaneously. They are reporting me to the credit bureaus as being delinquent even though they are receivi

ng three to four times the monthly payment if not more. I reached out to them and I was told all they could do was end my loan early which would cause a charge off on my credit report. I have bank records of all the transactions proving the charges all went through and were completed multiple times per month on at least three different a
ccounts per month. Moneylion ( among a few others ) is falsely reporting to the credit bureaus that I am delinquent as well as threatening to create a charge off for complaints all of which is making it impossible for me to rent an apartment so that my son and I can leave my abusive husband. This is absolutely criminal on a lot of levels. I have more records of the charges available on request. I was only able to attach a couple.
Consumer complaint received 2024-09-23
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 (PA)

Good day. I am a US permanent resident currently visiting my home country. The I have been using PayPals services for XXXX years as a US permanent resident and on XXXX XXXX, I encountered the following issue : XXXX $ was sent to me from my home country through a family members paypal account. Immediately it entered, my account was limited. They asked for my ID and the next day, my account was permanently banned with my funds held for XXXX months. The erroneous reason given was that I was too young or my account is opened in a country I was not resident in. I am definitely over XXXX and I am a US permanent resident but still have a foreign passport and I am currently visiting my home country but maintain US bank accounts, taxes, house address. I have other documents proving my residence but it didnt ask for those. Please help me recover my account and release my money because I really need it. Thank you.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WI)

On Wednesday, XX/XX/XXXX, Wellsfargo removed all the money in my checking and savings account. I called right away when I realized my account had been closed. I was told that I was no longer allowed to have a po box as my physical and address and because I hadnt updated my address, they closed my account. WellsFargo claims they had sent mail informing me of needing an address update, however, I never received any of these letters. WellsFargo is mailing my XXXX XXXX dollars to me by mail in an uncertified check, to an address I told them I would not be at for at least another month. I have requested that they put a stop to that cancel and reroute it to the physically address that I am currently residing at or to allow me to pick up the check at a local branch. I have bills that are due within the next week and need my money available to me before then. WellsFargo has continually given me minimally information as to what is going on, whether they are going to stop the check or not, let alone provide me any solutions as to how I can get my money in a timely fashion. I called WellsFargo again this morning ( XX/XX/XXXX ) for an update on the process and I still havent been able to get a clear answer. I have opened up a case within WellsFargo and the assigned case manager overviewing the details of the situation said a solution could take up to 15 business days, which simply wont suffice as I have bills due prior. There has been no foul play or fraudulent behavior on my behalf. I am simply looking to collect my money as quickly as possible so I can open up a new bank account, pay my bills, and feed my children.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

I had created a online savings account with Marcus by goldman sachs. I had transferred my money from another bank to this account in 4 transactions on 2 days ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The transactions were successful and the money had transferred. After that, when I checked my app, I was unable to access it. The page said that my account was temporarily suspended and they had asked me to contact the customer care center. I called them up, they asked me for my details and told me that they couldn't verify me with my cell phone number or driving license. Then every time I call them up, they tell me that they can not verify me and hence, can not unlock the account. After following up multiple times, they told me that they will be sending a affidavit of identity to the registered address which needs to be filled, notarized and sent back to them. I had finished this process and the paperwork had reached them on XXXX XXXX XXXX. I have called them again after that and they told me to wait for 10 days for the processing of the paperwork and review of the case. I kept following up with them but they keep telling me to wait even longer. It's been well over a month and a half, and I still do not have access to my account. I have not received any explanation as to why my account was locked in the first place and when it will get unlocked. I told them to revert the money back to the original bank account and they refused. Each time I call them, they put me on hold for more than XXXX mins only to say that they can not unlock the account.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (MD)

I am a XXXX  XXXX and I try to do XXXX  XXXX  on the side a person disguised as a mother who wanted a commission for her son. A few days in, she emailed a check for me to deposit ( I did know not to do that at the time ) and a day later, I have a at the time {$1300.00}, now {$940.00} overdraft fee Ive tried to dispute the claims with no success
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Control, LLC (TN)

To Whom It May Concern, I am writing to formally file a complaint against both XXXX and Credit Control LLC for violations of the Fair Credit Reporting Act ( FCRA ) and for failing to properly investigate inaccurate information on my credit report.The issue pertains to an account reported as a collection account under XXXX XXXX on my XXXX credit report. Upon reviewing the details, I identified multiple discrepancies and improper handling of the investigation by XXXX : Lack of a Date of First Delinquency : The account does not include a date of first delinquency, which is required by the FCRA. Improper credit classification : XXXX has this listed as a line of credit on my credit report, I never received or initiated aline of credit from XXXX XXXX. Incorrect Creditor Information : The account is reported as a collection account from XXXX XXXX. However, after investigating this matter further by visiting Credit Control LLCs webpage, I found that the agency is attempting to collect on behalf of XXXX XXXX instead of themselves Credit Control LLC. Despite this, XXXX continues to list XXXX XXXX as the creditor, rather than Credit Control LLC, which inaccurately reflects the true status of the account. Balance Discrepancy : The balance shown on my credit report does not match the amount Credit Control LLC is attempting to collect, adding further inaccuracy to the report. In light of these issues, I filed a formal dispute with XXXX over the phone on XX/XX/2024. However, my dispute was closed just 4 days later with XXXX of those days being Saturday and Sunday with the claim that the information meets FCRA requirements, despite the clear violations of accuracy, completeness, and diligence in reporting. XXXX failed to conduct a thorough investigation into my claims. Due to this lack of diligence from XXXX and the violation of my rights as a consumer under the FCRA, I am requesting the following : Immediate deletion of the inaccurate collection account from all of my credit reports. Immediate compensation from both XXXX and Credit Control LLC, XXXX for not conducting a proper investigation and violating my rights and Credit Control LLC for the harm caused by their shear disregard for the law. Both agencies allowing this violation has caused me mental and physical anguish with the failure to properly investigate this matter. If these requests are not met, I will not hesitate to retain legal counsel and pursue further action for damages and the enforcement of my rights under the FCRA. I trust the CFPB will take swift action in addressing this complaint and ensure compliance with consumer protection laws. Thank you for your attention to this matter. I look forward to your prompt response and resolution.Sincerely,
Consumer complaint received 2024-09-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: SoLo Funds Inc. (NJ)

I have asked Solo Funds to revoke ACH authorization to my account multiple times. Each time they said they have done it, but the money still is coming out of my account. Their customer service representatives have lied to me about them revoking access. Per screenshots they have said the money wont be taken out of my account, but it still did per my bank account. 

Today on XX/XX/XXXX they said they arent allowed to do ACH revoke due to updates on the app. Per Consumer Financial Protection Bureau regulations companies have to honor ACH requests within a reasonable timeline. I honored those timelines and they havent honored it on their end. Also if the app cant do ACH revoke due to updates is the app allowed to exist? They are violating federal guidelines and have deceiving customer service
Consumer complaint received 2024-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I originally had XXXX as my loan service provider. Prior to Covid I negotiated my monthly payment to {$400.00}. XXXX became my new loan provider. On or about XX/XX/XXXX I reached out to XXXX to resume my payments and was told to consolidate my loans which I did and was transferred to Mohela as another loan service provider. My new loan payment is {$1100.00} for 8 months and will increase to {$2000.00} for 24 months. Every time I call I am referred to SAVE program that computes higher repayment amounts. 

In addition I applied for the loan PSLF associated with my place of employment. I received notification in XX/XX/XXXX that my employer qualified. To date not received confirmation my loans are forgiven. 

I want Mohela to honor my monthly payments of {$400.00}. 

I want status on my PSLF application. 

Thank you, XXXX XXXX