davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2018, at around XXXX XXXX while watching TV I received an email from a seller from XXXX called XXXX saying " Thank you for your Order ''. This was shocking to me since I did not order anything from them. I looked at the email and the order was for a chainsaw totaling {$570.00} placed on my Chase Debit Card. I  immediately called Chase with whom I bank and advised them of the fraudulent activity and asked them to cancel my debit card. I also contacted XXXX and told them that I did not place the order and ask that they cancel the order. About 3 days later I received another email from the seller telling me that the chainsaw is being shipped. I responded to them telling them that I did not order the chainsaw and not to ship it to me ( see attached documents ). In the meantime, Chase credited my account temporarily. Again I got another email from the seller that the item was shipped ; I again responded asking them not to send to me since I did not order and neither do I need it. They responded that XXXX is investigating my claim. On XX/XX/2018, I received a letter from XXXX telling me that they finished their investigation and based on their investigation the credit will be reversed. I have been calling them and offered to sign a sworn affidavit that I did not order but they have refused
Consumer complaint received 2018-09-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Bank of America ( BOA ) of a fraudulent application submitted with his information without his consent for an account ( acct # XXXX ). The current balance of that account is unknown but the account has a limit of {$800000.00} dollars. A formal dispute of this account was mailed certified with return receipt to Bank of America fraud department XX/XX/2018. A reply was received by this office concerning " an attempt to add a POA to the account. '' That was not the intent and it stood to verify BOA did not read or review the dispute information that was provided. A second official dispute was mailed certified with return receipt to BOA XX/XX/2018 and as of this date BOA has failed to reply or update the status of their investigation as is their obligation under FCRA. This action is a violation of my client 's federal consumer rights.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Services is reporting that I owe {$430.00} to a company I know nothing about. I have not been contacted by anyone regarding this debt and requested validation. To date I have yet to receive detailed information as to what this is for.
Consumer complaint received 2018-09-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I was wrongfully foreclosed on by Carrington mortgage services and XXXX, XXXX XXXX XXXX XXXX and suffered physical and emotional damage as I was being evicted from my home in 3 days by the purchaser of my home at the county auction in XX/XX/2018. I did not pursue legal action and I was forced to reapply for a loan modification. I sent my mortgage application in but was denied on XX/XX/2018 due to not having a complete package in because of a hardship causing me to be delaying in submitting additional documents. So I in turn sent in a complete package which they acknowledged when I spoke to them on XX/XX/18 to XXXX. I spoke them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 several times. It wasnt until XX/XX/18 that anyone stated Carrington had to have deemed the package complete by XX/XX/18 or they would close my review. I have confirmed on XX/XX/18 that they had the additional documents meeting the deadline of the missing documents letter. Each representative assured me as soon as the package is complete the foreclosure sale date of XX/XX/18 would be postponed. The notice Carrington gave me on XX/XX/18 stating the sale date was XX/XX/18 is in error and even up to XX/XX/18 I was told by Carrington the sale is XX/XX/18 thereby stating I was within 7 days of the sale date which in fact I was not. The sale date on the legal notices is the first Tuesday of XX/XX/2018 which is XX/XX/18. On XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 none of these representatives indicated one time that I was near a deadline but rather encouraged me that once my package was complete they would postpone the sale. I demand the foreclosure sale of XX/XX/18 be set aside to address these discrepancies in the mortgage loan servicing of my FHA back loan.
Consumer complaint received 2018-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Paypal would not let me delete my bank card. and their website doesnt work correctly most of the time! 
I wanted to purchase something through XXXX with an XXXX gift card. Someone through pay pal 's XXXX system, it tried to take the money out of my old bank account that I do not use anymore ( XXXX XXXX  ). As a result that bank gave me several fees totalling over {$120.00}!! And paypal somehow authorized the transaction and now say that I owe them money!! 
I was trying to use a gift card throuogh XXXX!! 
Pay pal, it is their fault the whole mess happened. 
And they never should have authorized that payment to go through and the so-called negative balance with a paypal account that I have no kNOWELEDGE OF!! 
PAYPAL SHOULD BE FINED FOR BAD BUSINESS PRACTICES, CAN NOT ACCESS OUR BANK INFO, AND CAN NOT DELETE OUR BANK CARD WHEN WE HAVE TO DELETE IT!! 
AND THEY NEVER SHOULD HAVE AUTHORIZED THE MONEY TO GO THROUOGH SO I OWE THEM MONEY?????? NOT!! I WAS GOING TO PAY THE ITEM THROUGH AN XXXX GIFT CARD, NOT PAYPAL!! I DO NOT EVEN HAVE A BANK ACCOUNT, THEY OWE ME AT LEAST {$120.00} IN BANK FEES!!
Consumer complaint received 2018-09-26
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. (FL)

Attempted to validate the alledged debt on my Transunion credit report for XXXX XXXX acct # XXXX. Transunion failed to validate this account properly and remove it from my credit report. There are many inconsistency as you will find attached.

1. In the response from XXXX XXXX, they sent a copy of the application, as you can see the date of birth, social security number, and drivers license is all blurred out. How can Transunion say that they verified this information is mine, when the OC send over information that is missing/covered up.

2. On the application, it also says my current employer at that time was 'County ' ; I have NEVER worked for the county I live in or any county for that matter, and it shows current, past employers on my credit report.

3. They have on the application that my cell phone is XXXX and my work phone at that time is XXXX. I have NEVER had any of those numbers belonging to me, and NEVER have I worked for an employer with that phone number as well.

ALL OF THE INFORMATION ON THIS APPLICATION UNDER MY NAME IS INCORRECT AND DOES NOT BELONG TO ME.

Lastly, if you look on the summary of billing they provided me, the numbers do not match up either. All of the information is incorrect and it does not be long on my credit report.
Consumer complaint received 2016-08-16
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: G. Reynolds Sims & Associates, P. C. (MI)

G. Reynolds Sims, took over a credit card debt that I had for approximately $ XXXX last year, around XXXX XXXX. I was actually wrapping up a divorce at the time. I was making monthly payments and having them auto deducted from my checking. I moved however did not change my phone number and also forwarded my mail as well as legally changed my address. Five month later this law firm contacts me and says I now owe them over $ XXXX. They requested documents, tax returns, pay vouchers, bank statements, which I provided back at the end of XXXX XXXX. I did not hear from them again until recently when they, without communication or notification garnished my bank account taking all my money, plus the bank charged a {$120.00} fee for doing so. They took {$400.00} and this occurred about two weeks ago. I found out about it when I tried to purchase food with my debit card and it was declined. I logged onto my bank website to find my account balance to be XXXX. I called the bank and they investigated these transactions and indicated that G. Reynolds Sims garnished my account. How is it legal and fair that a company can do such things. I was reasonably trying to work with them to settle this debt and make payments. None of the XXXX other companies I 've dealt with had any problems calling me or sending me communications by mail to resolve my debts. I was and have been doing the responsible thing and trying to pay these debts and not just declaring bankruptcy like many people seem to do and just walk away. Can your agency please assist with this company and their handling of my account? How can a company purchase a debt for pennies on the dollar then turn around and charge over 30 % interest on the original debt amount? If this is legal then I think I want to go into the business of buying charged off credit card accounts as well. To be honest I am fearful of them and their tactics. I have been nothing but cooperative with them and have not been trying to dodge them like some consumers do. I am at my wits end with them and am at a total loss as to what to do in handling them. Any assistance you can provide or any recourse with this firm would be much appreciated.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (CA)

This company called me claiming to be the collection agency for US Bank. And they extorted me into paying {$600.00} to them. It was not until today when another person tried to scam me did I realize that I was in fact scammed here is the documents for this person. This address is registered to a XXXX store. How do I get my {$600.00} back
Consumer complaint received 2018-09-26
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: EQUIFAX, INC. (FL)

Attempted to validate alledged debt with XXXX XXXX Acct # XXXX with all 3 bredit bureaus and they failed to provide the proper validation documents requested. On top of that the information on the report in regards to the alledged debt is very incorrect. 

I can point out the the ORIGINAL CREDITOR was XXXX XXXX and it also states that the account is in collections with a collections agency. If that is the case, under the guidelines, the balance reported should be {$0.00} ; which it is not on the credit reports ( a snip is attached for you to review ). 

Also, a validation letter came from a company called XXXX XXXX who claims they now own the alledged debt. Also in the letter they provided a copy of the bill which states the amount due is only {$1700.00} and on the credit report it is different along with the amount that shows on their validation letter. None of this information matches up and the line item needs to be taken off immediately. 

XXXX XXXX or XXXX is a third-party debt collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper contact or sharing of information and threatening to take actions that can not legally be taken. 

As of XX/XX/2017, the XXXX XXXX XXXX reported 508 closed XXXX XXXX complaints over the previous few decades, including 231 closed complaints over the past 12 months. Nevertheless, the XXXX   provides XXXX an A+ rating. Additionally, XXXX lists 37 XXXX complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, eight alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act.
Consumer complaint received 2018-09-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IA)

I bank at Wells Fargo. I want to report three ( 3 ) separate incidents of erroneous withdrawals/transfers from my savings to checking account posted as " overdraft protection from savings to checking ''. There are 3 concerns with this activity, ( i ) I am NOT enrolled in the overdraft protection program, ( ii ) I did NOT have a negative balance in my account ( I check it daily as I've had concerns over other suspicious activity ), and ( iii ) the funds did NOT appear in my checking account. The funds disappeared and Wells Fargo can not explain. The 1st incident occurred a few months ago. They had no explanation with first incident, apologized, and immediately returned the funds to my savings account of approximately {$40.00}. The 2nd incident was on XX/XX/18 for {$40.00} and a 3rd incident on XX/XX/XXXX for {$37.00}. I immediately called the XXXX number for Wells Fargo on XX/XX/2018. The rep confirmed that I'm NOT enrolled in overdraft protection, I did NOT have a negative balance and they could NOT explain what happened to the funds. They opened up a ticket to investigate by case manager. I contacted my local Wells Fargo branch office the very next day on XX/XX/XXXX. Spoke to a banker, who confirmed same. No explanation could be given. The bank representative took down my information and said they would get back to me by the afternoon. These occurrences are very concerning and suspicious. I never signed up for overdraft protection, I did not carry a negative balance and my funds have basically disappeared with no explanation or further investigations conducted by Wells.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

ON XX/XX/2018 I FOUND A CHARGE AFTER GOING THRU SOME PAPERS ON MY RBS FORMALLY CITIZENS ONE CARD THAT I DID NOT APPROVE I CONTACTED THE COMPANY THAT SAID I HAD TO SEND THEM A COPY OF THE STATEMENT, AND A LETTER EXPLAINING THAT I DID NOT DO THE CHARGE, AND I WOULD GET THE CREDIT IN 1 BILLING CYCLE. AFTER WAITING AND WAITING THEY SENT ME A LETTER SAYING THAT I WOULD NOT BE GETTING THE CREDIT FOR {$870.00}. I AM NOT OK WITH THIS I DID NOT DO THIS CHARGE AND DO NOT THINK I SHOULD BE HELD RESPONSABLE.
Consumer complaint received 2018-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

To Whom It May Concern : I am MORTIFIED! Recently my Capital One Secured Credit Card account ( ACCOUNT # XXXX ) was inexplicably closed without my request or initiation and furthermore Capital One refused to refund my money that I opened this account with. Capital One claims it was opened fraudulently through an alert from XXXX, XXXX, and XXXX. Representatives from the Credit bureaus claim they received a request to remove the account but no such request was ever made! 

This account was opened in XX/XX/XXXX with funds sent directly from my bank account ( {$500.00} plus startup fees ) and the card has had no late payments and automatic deductions from my bank account. The automated phone teller stated the account was deactivated XX/XX/XXXX but I made a payment of {$220.00} on XX/XX/XXXX ( which brought my account balance to {$0.00} ). I also applied for a credit increase on XX/XX/XXXX and received correspondence on XX/XX/XXXX. 

I have records of everything. I have spoken to representatives from all four companies and no one is willing to rectify the situation especially Capital One. How can a SECURED credit card with a stellar history be fraudulent and the customer treated dishonorably?? It was setup with MY MONEY! I am vehemently requesting that my account be completely reinstated and reported to all XXXX major credit bureaus. I did not request it to be closed and did nor report any fraud to Capital One or the Credit bureaus! 

I am sending this letter to Capital One Bank, XXXX, XXXX, XXXX, Consumer Financial Protection Bureau, Ohio Attorney General and affiliates. Also my attorneys are looking in handling this matter with a lawsuit if not handled in a timely manner.
Consumer complaint received 2016-09-27
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BTH Management (TX)

Plaza Services apparently purchased this debt from a payday lender. They have never attempted to contact me to collect this debt, so I never had an opportunity to dispute it before it showed up on my credit report. I do not have any outstanding balances with any payday loan companies. I have also submitted a letter to Plaza Services requesting validation under the Fair Debt Collection Practices Act.
Consumer complaint received 2018-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Please see previous submission. I have more than 80 % loan to value. When I closed I had a 95 % LTV, but the appraisal came in so high I was instructed to call my lender and request the re-eval due to the appraisal being so much higher than the purchase price. I called Wells Fargo numerous, numerous times, probably XXXXive or six and they stated they were looking into it. Then I received notice that I had to pay for another appraisal, I stated, no, they told me they would be using the original appraisal and basing the new LTV against that as I had immediately followed up when I closed. I finally filed a claim in XX/XX/XXXX, waiting all this time for them to now respond to an issue that is not an issue. The issue is that my LTV is greater than 80 % now and all the way back to the closing ( XX/XX/2017 ). I knew my LTV when I closed, again, being told with the appraisal coming in so high, I would have the mortgage insurance dropped. This is unlawful to charge me for mortgage insurance when my LTV exceeds 80 %. The LTV was to be reviewed since the appraisal came in ( at closing ) and here we are almost a year later with no resolve. Do I hire an attorney or are there legal departments that I can escalate this? Thank you.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

To Whom It May Concern : I am MORTIFIED! Recently my Capital One Secured Credit Card account ( ACCOUNT # XXXX ) was inexplicably closed without my request or initiation and furthermore Capital One refused to refund my money that I opened this account with. Capital One claims it was opened fraudulently through an alert from XXXX, XXXX, and XXXX. Representatives from the Credit bureaus claim they received a request to remove the account but no such request was ever made! 

This account was opened in XXXX of XXXX with funds sent directly from my bank account ( {$500.00} plus startup fees ) and the card has had no late payments and automatic deductions from my bank account. The automated phone teller stated the account was deactivated XX/XX/XXXX but I made a payment of {$220.00} on XX/XX/XXXX ( which brought my account balance to {$0.00} ). I also applied for a credit increase on XX/XX/XXXX and received correspondence on XX/XX/XXXX. 

I have records of everything. I have spoken to representatives from all four companies and no one is willing to rectify the situation especially Capital One. How can a SECURED credit card with a stellar history be fraudulent and the customer treated dishonorably?? It was setup with MY MONEY! I am  vehemently requesting that my account be completely reinstated and reported to all 3 major credit bureaus. I did not request it to be closed and did nor report any fraud to Capital One or the Credit bureaus! 

I am sending this letter to Capital One Bank, XXXX, XXXX, XXXX, Consumer Financial Protection Bureau, Ohio Attorney General and affiliates. Also my attorneys are looking in handling this matter with a lawsuit if not handled in a timely manner. 

Update : I have attached an FTC report with someone else 's name claiming fraud on a different account and somehow it got mixed in with my information. I found this out after logging in to the CFPB website. The dates and information do not match up and furthermore I never met this man. Please correct this situation.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

My information was posted online in XX/XX/XXXX, I placed credit freezes at all of the credit agencies then. In XX/XX/XXXX, Experian lifted the credit freeze without my knowledge, without my permission, and without notifying me. I found out from a credit card company. I refroze my credit with Experian, and they AGAIN lifted the credit freeze in XX/XX/XXXX without my knowledge, permission or without notifying me. I again found out from a credit card company in XX/XX/XXXX. Experian said that my freeze had been lifted online after someone ( not me ) answered all the publicly available security questions correctly. The thieves then added addresses to my report, and used that information to open several accounts, add their addresses to my mortgage account and request checks against our home equity, request a student loan in my name, and steal money from my checking account. Experian allowed them in by allowing them to reset my freeze pin online by answering questions that are easily verifiable and researchable, without notifying me. And now, they won't allow me to enroll in their so-called protection ( which does not include notifications!! ) because they can't verify my identity. It is unconscionable that private companies who are so lax with information and security are allowed to continue to verify my credit. There should be a way to opt out of their services, or there should be a government agency that controls this -- NOT THEM. Once the thieves had my credit report, they had all the information they needed to break in again and again.
Consumer complaint received 2024-10-15
Product: Credit reporting 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)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX account ( XXXX account number XXXX )