davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (TX)

After graduation from college, I got a XXXX to play XXXX in a junior college an opportunity opened up for me to play XXXX XXXX in XXXX and I took the opportunity and left and moved to XXXX to pursue a XXXX career. I was mainly living in XXXX during the following years : XXXX. After returning to the US I decided to apply for credit and I was given an auto loan but was also asked about other accounts on my credit. I first noticed then that my personal information had been used to open bank accounts for credit cards and even auto loans. Recently I was attempting to see if I could buy a house and got a hold of a credit profile and some accounts are reporting that I have never opened and have balances. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Apple Card/GS Bank USA I am not sure how when or who may have or may be using my information and at this point, I need to alert the authorities so we can make sure the two accounts get resolved and removed from my credit profile. In addition, I need to please a security alert so that no one can continue to open accounts under my name and social security number.
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Keith D. Weiner & Associates Co., L.P.A. (OH)

I received a letter on XXXX from Keith D. Weiner & Associates Co. L.P.A. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX, saying a judgement for {$1000.00} is dormant and can not be enforced but in the near future, likely within the next 60 days, his office will file a motion to substitute appearance of councel and a motion to Revive judgement. They are claiming the judgement is from is from XX/XX/2016. I sent a verification of debt letter via certified mail on XXXX, the tracking is XXXX XXXX XXXX XXXX XXXX. It says delivered to a XXXX XXXX XXXX XXXX but XXXX  I got the letter returned to me, XXXX.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (NV)

PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (IL)

Violation of Code 15 USC 6802 and 6805 ( a ) - Opt-Out Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal dispute regarding a violation of Code 15 USC 6802 and 6805 ( a ) related to the opt-out reporting requirements outlined in the aforementioned codes. I recently discovered that Jefferson Capital System which is third party debit collector which XXXX the original credit sold my information to, Jefferson Capital System has failed to comply with the opt-out reporting obligations as mandated by Code 15 USC 6802 and 6805 ( a ). These codes require financial institutions to provide consumers with the right to opt out of certain information sharing practices and to report their compliance with these opt-out requests. Despite my explicit request to opt out of information sharing, [ Name of Financial Institution ] has continued to share my personal financial information with third parties without my consent. This violation not only infringes upon my right to privacy but also undermines the trust and confidence that consumers should have in financial institutions to protect their personal information. I have made multiple attempts to address this issue directly with Jefferson Capital System, but their response has been inadequate. They have failed to acknowledge my opt-out request and have continued to share my information without my consent. In light of this, I kindly request your assistance in investigating this matter and taking appropriate action against Jefferson Capital System for their violation of Code 15 USC 6802 and 6805 ( a ). I believe that their non-compliance not only disregards my rights as a consumer but also sets a dangerous precedent for the protection of personal financial information. Enclosed with this letter, you will find copies of all relevant documentation, including correspondence with Jefferson Capital System, proof of my opt-out request, and any other supporting evidence that may be required for your investigation. I kindly request that you treat this matter with the utmost urgency and provide me with updates regarding the progress of your investigation
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

.its impossible that all 3 of them ( equifax XXXX XXXX XXXX ) can verify that this is an accurate if there information is missing within all 3 of them and are not matching. 

under the FCRA i am entitled to a 100 % and accurate reporting and that is not the case here as information is missing and does not match in a case where one says account closed and the others says open, the date of when it open dont match and the date of last activity says other wise as well and does not show when the last dilequency i missing in the other 2 and shows in one and not the rest which shows a major reporting error within equifax , XXXX and XXXX XXXX  or could be the reporting error with the debt collectors reporting as well the amount is in accurate for the debt collector is not suppose to charge me with the hold over rent stated in the court document witch the debt collector does not want to adhere too
Consumer complaint received 2023-12-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (FL)

There is no telephone number listed for the XXXX XXXX XXXX in the Truist document XXXX. Their instructions clearly state that I should contact the XXXX XXXX XXXX to request the ESCROW FEE WAIVER. 

I contacted TRUIST customer service and the agent, at first, didn't understand what I wanted. He would not connect me to the XXXX XXXX XXXX, despite repeated requests. Eventually, he said I didn't qualify for an ESCROW WAIVER. I asked him what he was basing this evaluation on, and he refused to tell me. I continued to ask to be transferred to the XXXX XXXX XXXX, as per the Truist document instructions. He refused and hung up on me. 

In XX/XX/XXXX, Truist did not pay my property taxes, despite receiving the notice of amount due in XX/XX/XXXX. In XX/XX/XXXX, I received a notice from the county property tax collector stating my property taxes were not only in arrears, but a penalty and interest had accumulated.

I immediately contacted Truist and asked why my taxes had not been paid. To make a long story short, it took me multiple telephone calls to Truist to ensure my property taxes were paid. I also repeatedly called the county tax collector and explained I was working on it.

I am ultimately the one responsible for paying my escrow, which I understand. However, Truist requires me to pay them a set monthly fee for my escrow, which they accumulate interest free, agreeing to pay my escrow, including property taxes. 

In XXXX, Truist failed to do this until the taxes were overdue, causing derogatory credit information for me. 

In XX/XX/XXXX, Truist received a statement of a new bill for property taxes. In late XX/XX/XXXX, I received a notice, again, from my county property appraiser, that my property taxes had not been paid, and that if not paid by XX/XX/XXXX, penalty and interest would again accrue. 

I contacted Truist, again, on XX/XX/XXXX, to ask why my property taxes had not been paid and when they would be paid. I did not receive an answer. I warned them that if they did not pay the taxes, a penalty and interest would occur again. 

The next day, XX/XX/XXXX, Truist sent notice of payment of my property taxes. 

If I had not contacted Truist, I have no doubt they would have not paid the taxes on time, for the second year in a row.

This is unacceptable. Truist collects escrow money from me and pays me no interest on this money. Then they do not pay the property taxes when due.

I wish to manage my own escrow account for my mortgage. I followed the proper procedure as outlined in the Truist document I mentioned previously, and attempted to request an escrow waiver, only to be rebuffed, and denied this right I have to an escrow waiver. 

Truist is an irresponsible financial institution. While I am obligated to pay my mortgage, I am seeking to take over the payment of my taxes and insurance so I can ensure they are paid on time, something Truist has failed to do, as is legally required of them.
Consumer complaint received 2023-12-22
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: LEXISNEXIS (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MO)

Sent money to XXXXXXXX XXXX  from Venmo XX/XX/2023. {$500.00}. I noticed the wrong Debit card was debit card was used. I contacted Venmo within minutes of transferring it to my closed XXXXXXXX XXXX  account. VENMO stated the transaction was cancelled and would take 25-45 minutes to return. I called again XXXX/XXXXXXXX, the same day, when it the funds did not return. This time the the VENMO representative stated that the previous representative gave me the wrong time frame and it actually takes about 3-5 business days. I called my XXXXXXXX XXXX 3 times to confirm that they rejected the funds. I then called Venmo again and Another representative stated it could now take up to 5 days or possibly need to be escalated. I then called Venmo 3 days later during the week and still no funds were returned. I then spoke to a representative who stated to continue to wait. I called back the next day and the representative stated that they would escalate this. The next day, I received an email from Venmo saying only my bank can fix this. My XXXX XXXX confirmed that they have records that VENMO attempted to send the funds to them twice. Even though I have asked Venmo to cancel the transfer multiple times at this point. I still have not received my {$500.00} and will be empty handed tomorrow for a purchase that was planned. This is despicable and Venmo is a scam for this. Not only that but they refuse to let me speak to a person that is on the escalation team. Only communication through email is permitted. I am tired of fighting with Venmo who is a product of PayPal.
Consumer complaint received 2015-09-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

It appears that Ocwen has overcharged my escrow account for the year XX/XX/XXXX. This mistake was noted by Owen months ago and can be reflected as a 'Credit ' on the record. However, it appears the amount was not subtracted but rather doubled as now I 'm being made to pay for an advance despite the cushion charge ... 

Below are records for the redundant flood-insurance charges and dates made by Ocwen to my Escrow account : Insurance Credit-Lender placed Flood Insurance Escrow Account XX/XX/XXXX $ XXXXInsurance Disbursement-Lender placed Flood Insurance XXXX Lender Placed Insurance XXXX XX/XX/XXXX $ XXXXInsurance Disbursement-Flood Insurance XXXX OF FL XXXX XX/XX/XXXX $ XXXX that the first charge above does not show an account number but does show it as a credit, however the balance does not reflect that. This was similar to an issue that happened last year when Ocwen double-charged my escrow account for hazard ( home-owners ) insurance ( see case # XXXX ). That issue of the hazard insurance double-charge was resolved without explanation of why it happened ... 

Note that my true flood insurance expires in XX/XX/XXXX and Ocwen has already made that payment. Below is a record of the transaction : Insurance Disbursement-Flood Insurance XXXX XXXX XXXX XXXX of FL XXXX XX/XX/XXXX {$1500.00}
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (FL)

When logging into my app which is XXXX XXXX with XXXX XXXX, it asked me to pay a minimum balance of {$170.00}. Upon paying that amount what was due it than said I owed {$26.00} and marked my account as late and delinquent. I have never missed a payment as being an business owner in this matter, Also this account is a business account which shouldn't be reporting on to my personal credit at all. I've have reached out to the company they told me that they were disputing this situation due to their mistake of an technical issue from their company 's app, but instead of removing the entire account from my personal credit report they only updated the remarks on this situation which is still inaccurate information. This issue has left me homeless I was in the middle of closing on a purchase for my home for me and my family, and was unable to do so due to the derogatory which dropped my credit score over XXXX points on all 3 credit reports. I lost out on my escrow money because of this derogatory item on my credit report as well which again took away from me and my family. This is against my civil rights they failed to comply according to 15 USC 623 a code, I can not apply for anything nor am I able to provide for my family in this matter due to them not removing this account from my credit report for their mistake. I have proof of screenshots from the inaccurate reporting as well as they have numerous of recorded calls of me trying to resolve this issue. The screenshot will show as well the different errors in what's due each month as well as them only updating the remark and not complying to them telling me they will put in the dispute to have this account removed from my credit report.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OPTUM BANK, INC. (GA)

Account # XXXX XXXX XXXX XXXX XX/XX/XXXX I attempted to close this account multiple times, calling the customer service number XXXX. Optum Financial suggested I was not who I was with multiple security features. They had me mail a form requesting account closure, done in XXXX of XXXX. I never activated a XXXX XXXX. Optum used various customer service agents to manipulate red tape to hinder me from closing the account. Now, they have collected every dollar in junk fees and paper statement fees, which I never opted for. 

Please see the evidence attached for dates of occurrences. 
Respectfully, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2015-09-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

After banking with Wells Fargo Bank since XX/XX/XXXX, they decided to terminate my checking and savings accounts. I was not notified by Wells Fargo but made the discovery myself when trying to make an ATM withdraw on Sat, XX/XX/XXXX and was unable to. The branch staff called on my behalf and was told by their loss prevention department that the accounts are terminated based on unspecified " Business Decisions ''. No specifics have been provided and this appears to be a non-transparent process. There has been no fraudulent activities on my accounts, no NSF checks, no complain against the bank in the past and no issues with my credit report. I only have XXXX checking account with Wells Fargo Bank. At this point, my account funds are frozen and can not be withdrawn.
Consumer complaint received 2015-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX NEW YORK XXXXXX/XX/XXXX, 2014Open $ XXXXAccount DetailsLast ReportedXX/XX/XXXX XXXX 2014Collection AgencyXXXX XXXX XXXXOriginal CreditorXXXX XXXX NEW YORK XXXXStatusOpenOpened DateXX/XX/XXXX XXXX, 2014Closed Date -- ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarksPlaced for collectioni dont owe this amount i signed up with lifelife and then was offered special rate for long distance because long distance was the next town over local service was only town i was in, and when i signed up then tried to say i wasnt eligible for savings rate and charged my account with ridiculous amount and then disconnect my service and then charged me disconnect fee i am disputing total amount due
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (TX)

THIS IS IN REGARDS TO MY XXXX XXXX : ON XX/XX/XXXX I CALLED IN TO GET A PAYMENT EXTENSION REQUEST TO SKIP THE NEXT TWO PAYMENTS. THE REP THAT DAY SENT ME THE PAPERWORK TO SIGN ON THE VW PORTAL IN WHICH I SIGNED THAT DAY AND SENT BACK. ( HAVE EMAIL CONFIRMATION THAT IT WAS UPLOADED ). MY NEXT PAYMENT WOULD NOT BE DUE UNTIL XX/XX/XXXX. I CALLED VOLKSWAGON TWICE ABOUT A WEEK AFTER TO SEE IF MY EXTENSION WAS RECEIVED. I WAS TOLD YES. THIS WAS PRIOR EVEN TO XX/XX/XXXX. SOMEONE CAN VERIFY CALL RECORDS ON THAT. THEN ON XX/XX/XXXX I UPLOADED THE SAME DOCUMENTS AND CALLED AGAIN A SHORT TIME AFTER ( DONT REMEMBER WHEN OR SOME DAYS LATER TO VERYIFY ) I AGAIN WAS TOLD YES. UPLOADED YOU WILL SEE BOTH CONFIRMATIONS FROM VW THAT MY DOCS WERE UPLOADED. 

TODAY XX/XX/XXXX, I LOG INTO CHECK MY CREDIT AND NOTICED THAT MY XXXX HAD DROPPED XXXX ( FROM VW LATE PAYMENT ), AND ON XXXX ( XXXX FROM VW LATE PAYMENT ). WHEN I SEEN THAT I IMMEDIATELY CALLED BECUASE I SENT THE SIGNED EXTENSION REQUEST IN ONTIME AND TWICE. SO THEREFORE, MY CREDIT SHOULD NOT HAVE DROPPED AT ALL. I CALLED 3 TIMES TODAY JUST TO COMPLAIN ON MY CREDIT DROPPING FRM THAT AND WAS TOLD BY ALL THREE DIFFERENT REPS I SPOKE WITH THAT MY PAPERWORK IS STILL IN PROGRESS, AND THEY ARE GOING TO FIX MY CREDIT AND REMOVE THE DELIQUENT STATUS. THING IS IVE HAD THE EXTENSIONS BEFORE AND THIS HAS NEVER HAPPENED TO ME BEFORE. I WANT MY CREDIT FIXED AND BACK OVER XXXX WHERE IT WAS UNTIL YOU ALL REPORTED IT LATE WHEN IN ALL ACTUALITY IT WAS NOT. MY EXTENSION PAPER WORK HAS NEVER TAKEN THE PAST 2 WEEKS. THE LAST REP XXXX I SPKE WITH STATED SHE HAS SEEN IT TAKE OVER A MONTH. THATS NOT FAIR TO US THEN OUR CREDIT DROPS. THE WHOLE POINT OF THE REQUESTING EXTENSION IS TO PREVENT THINGS LIKE THIS FROM HAPPENING AS WELL AS CANT PAY ( NOT HAVING CREDIT DROP AS WELL ). THE EXTENSION IS TO PROTECT US FROM THAT HAPPENEING. 
I WANT MY CREDIT FIXED AND BACK WHERE IT WAS AS WELL AS LATE FEES REMOVED AS I DID NOTHING WRONG AND THERE ARE CALL RECORDS AND UPLOADED DOCUMENTS TO PROVE AS WELL. THIS WAS UPSETTING TO SEE WHEN I HAD UPLOADED AND DID THINGS ON TIME AND MY CREDIT STILL DROPPED AND SHOWING INCORRECT BALANCE.
Consumer complaint received 2023-12-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (SC)

They have everything recorded they I dont have them on hand but I have a current balance I never used and they keep declining everything hoping I forget it so they can steal it when I need it as an emergency I cant even work tomorrow bc Im out of gas I barely made it home from two gas stations who said my card got declined by them not the store
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (CA)

XXXX XXXX XXXX. Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear. CAINE & WEINER COMPANY INC XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am XXXX XXXX XXXX XXXX XXXX XXXX, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX.