davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (FL)

In XX/XX/2023, I received my statement from Avant credit card, the balance of which was {$270.00}. I decided at that time to pay the entire balance and close the account, which you can see by the copy of the check from my bank that I did so. The next month I received another statement ( XXXX ) showing the payment but also showing a fraudulent charge from somewhere in CA totalling with interest for {$100.00}. This was a good couple of weeks after I had closed the account and paid it off. I immediately called the company and explained that I had not made the charge and that the account had been closed. All they would do was ask me how much of a payment I wished to make. In XXXX the same thing happened again except now they added on a late fee. I called again and asked to speak to a supervisor and and again got the same result. I checked with my bank but since there was no product involved they said there was nothing they could do. There is a bit of a language barrier in speaking with the supervisors at Avant so I can't tell if they're understanding me fully or not. The last one I spoke to ( XXXX XXXX ) went through my file and all the copies I had sent and sounded like he knew what was going on and said it would be taken care of by the end of that week. I felt relieved and took him at his word. BUT ... not only did I just get a statement for XXXX in the mail, they have added fees onto it to total {$190.00}. Additionally they have begun harrassing me with text messages about making payment. I am quite furious but will try to call and speak with another supervisor today. I finally got your number through XXXX and was advised to file a complaint here as well. I realize this isn't a large sum of money but for a retired XXXX XXXX XXXX on a fixed income, I shouldnt have to pay for a charge I never made. 
Thank You, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-25
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FBC MORTGAGE, LLC (FL)

I feel the need to put this in front of the powers that be. I am a mortgage loan originator for XXXX XXXX in XXXX Florida. I have made it my goal to help my clients in everyway possible for there home purchases and refinances. I have encounter a lot of hiccups lately with dealing on new home purchases. In particular XXXX XXXX in XXXX XXXX XXXX. I have now had XXXX clients that have purchased there new homes and I have to say that even though there homes are great quality there business practices are appalling. I have to say what they do seems and sounds like Steering to me. Here 's why : When you enter an XXXX home you can clearly see signs about using there preferred lender for No Closing costs ( which is already a lie ) And than after telling a rep of XXXX homes that your financing has been secured they pass your information on to there preferred lender who proceeds to barrage the borrower with emails ... even after telling them there is no interest in dealing with them. It is clear that steering is taking place because it is written in there contracts and told to the borrower that if you do not use our finance company than you will incur all the closing costs as opposed to paying none of them. If XXXX homes has no financial benefit from using there preferred lender than why force the fees that are traditionally covered in our area? Why penalize the borrower thousands of dollar 's? XXXX of there preferred lenders is FBC Mortgage from XXXX Florida. They call the client after a {$1000.00}. deposit is made and ask a couple of questions. They do not run the credit of the borrower, but still send them an approval for a loan. If the home is being built than XXXX can pocket the {$1000.00}. deposit and claim the borrower no longer qualifies and puts the home on the market. This leaves the initial person after months of waiting out of his money and a home! I have read numerous complaints online of this act. It seems criminal and I am surprised to see it continue to happen over the years with no investigation to the process. I do n't know if you receive the complaints on this or if this is the right place for it, but I feel enough is enough with this practice and felt compelled to write about it
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (TX)

Not only have I tried multiple times to reach out to XXXX XXXX XXXX and Experian, I Have summited multiple disputes to get the account XXXX XXXX XXXX account number XXXX removed from my credit report due to the fact that it states that its a auto loan with incorrect or not showing information on the balance or the amount but the biggest issues is its not mine! As show with the social security number attached to the account! This has hurt me in so many ways not only has it prevented me from getting a new car it has destroyed my credit score. 
This account is one of the multiple accounts that are not mine that are showing on my credit report with incorrect information. Account Number XXXX with XXXX XXXX XXXX and Account number XXXX with XXXX XXXX as well as account number XXXX with XXXX XXXX XXXX are all prime example of accounts that are not only displaying correct information as show in address id # XXXX, address id # XXXX, and address id # XXXX.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (FL)

I used to have a XXXX credit card from XXXX membership. Back in XXXX XXXX ended its contract with XXXX and transferred all the accounts to City Bank Visa. I received a letter form XXXX stating that all charges put on the XXXX card after XXXX, they would n't be able to generate a bill, as the billing would be transferred to City bank visa card. I had paid the XXXX XXXX to install a new unit in my home and called the owner explaining the situation and he agreed that I could dispute the charge with XXXX and pay him again with City bank card. XXXX took the money back from the merchant and sent me a letter. I paid the XXXX XXXX again with city bank Visa and did a balance transfer on XXXX/XXXX/16 paying off my balance with City visa. so I had XXXX XXXX XXXX XXXX balance with City Bank Visa. 
Soon enough I received a letter XXXX from Citybank Visa stating that I had a positive balance in my account. I told them to send me my money back, and gave them my routing number, " because it was faster '', as I had paid them already. I told them this was the money from the merchant that had provided me services. They also disputed the charges with the merchant ( now for the second time, after XXXX did it ), taking the money away from him, and messing up his account and reputation with his third party credit account charging. I called multiple times requesting these incompetent people to send me my money back XXXX XXXX, XXXX, XXXX, XXXX and XXXX ). They never called me asking questions about what happened and why the XXXX had dispute the charges. But they credited my account with {$4500.00}, so I can spend all this money on them. How wise! Instead, the fools call me asking you if I am satisfied with their services. Totally waste of time as they do n't provide any services to their customers. Until up to this date, they have not sent my money back, I provided information about my account XXXX different times and nothing happens. 
Since the beginning this city bank has been a real mess with the majority of the customers they took XXXX. There is no customer services at all.
Consumer complaint received 2016-09-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I am filing a complaint because my Mortgage Insurance Company raised our Insurance {$140.00}, after we filed a claim for Hail Damage on our Home. The Increase took place immediately after our home was damaged because of a Hail Storm hit our Property. We do n't feel like its fair to raise our Mortgage Payment {$140.00} after the storm hit our House. Our Payment increased from {$1300.00} to {$1500.00} from XXXX 2016 to XXXX 2016.
Consumer complaint received 2015-08-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF THE WEST (OK)

In XX/XX/XXXX, I went to the Bank of the West XXXX to secure a business loan for opening a new private practice. Although my practice was already open and I had some money XXXX, the bank said it was n't enough and needed personal collateral to secure the loan. This was an interest only loan, and a revolving account attached to my employee LLC ID and not my SS #. After a couple of years I started paying back more than just interest. In XX/XX/XXXX I got a job offer with the government that was too good to be true, so I closed my practice and moved. I also closed the bank account that had autodebit for payment on this loan and contacted XXXX XXXX on several occassions to get the auto debit linked to another account. He never returned my calls and they continued trying to pull money from a closed account for the next 90 days which caused additional fees for overdrafts, past due payments, and credit problems. I started paying them by check because they would not allow me to pay more than the interest if I set up autodebit again. Over the last two years, I have paid about {$50000.00} on the {$77000.00} balance. The property tied to this loan is worth {$99000.00} according to XXXX XXXX tax dept. I called the other day to see if the revolving account could still be used because I no longer had checks to that account. They asked how much I had in mind. I said around {$12000.00}. XXXX XXXX and someone named XXXX said they would check. XXXX called me back and said that because I did n't pay any principle on the loan in the beginning, I no longer had the revolving status and they were not willing to work with me. Today, I received documents in the mail stating that they had pulled my credit report ( WITHOUT MY PERMISSION ) and said my credit score was too low according to XXXX. This is rediculous because I 'm currently XXXX getting a home loan and if they would have asked for a personal credit report I would have told them NO because that could mess up my credit rating. I called XXXX. He said he had notes from XXXX saying I wanted to apply for a new loan of {$12000.00} and that is why they pulled my credit report. I told him I did n't care what the notes said I NEVER gave anyone permission to pull that report nor did I apply for a loan. I already had a loan. I merely inquired as to whether I could still use it as a revolving account since they still had a lein on my property. In addition, I asked him when they changed the terms of the original loan agreement because I was n't informed of those changes and XXXX could not answer me. These practices should be illegal. I have had nothing but problems from this bank and I wish for you to investigate their practices. Thank you.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX, XXXX # XXXX, Account Name : XXXX XXXX  XXXX # XXXX, Account Name : XXXX  XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 the 15 USC 1681. 
Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX 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 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 2023-04-28
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. (TX)

I sent Experian the proof of my payment to XXXX XXXX years ago. The proof showed that the payment was actually sent on time and XXXX XXXX did not process it until it was late. 
I am not sure why Experian failed to update my account as never late. I sent the same information to the other two credit reporting agencies and they investigated it and fond that I did pay it. I no longer have the documentation I sent in because of a natural disaster/flood that destroyed a lot of my documentation. But according to the Experian representative, they should still have it on file.

I have been back and forth on this account for almost 7 years now and it is adversly affecting my credit score with Experian. My score with the other two agencies are at XXXX each and the Experian id XXXX. They all have the exact same information and the only difference is that Experian has this lae payment on my record. 

Account name XXXX XXXX Account number XXXX
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (CA)

XXXX Concerning the above, the company has refused to honor the {$400.00} sign on bonus. The XXXX bonus was never mentioned in the paperwork I signed, although it mentioned the XXXX minimum deposit that we complied with. On the 38 pages of disclosures we never seen the promised deposit of the XXXX. The bank refuses to answer my calls and emails. The bankers never presented a durect deoosit slip. They never mentioned the terms of the bonus. In three occasions.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I contacted Wells Fargo bank on XX/XX/2023 once I was aware that there had been fraudulent charges made to my account. Wells Fargo then conducting an investigation and concluded that the charges were not fraudulent. I was able to reach out to merchants to confirm that I either do not hold accounts with those merchants or that I did not make those charges, however Wells Fargo is still denying my claim and will not let me appeal any of the charges even the ones that I was able to verify myself that were fraudulent. 
I have spoken with their appeals team multiple times only to be denied help. The amounts total upwards of {$4100.00}. my debit card was stolen and someone has been using my card all across the state of Georgia. Wells Fargo will not refund me my money. Please help. I will attach screenshots of fraudulent charges below.
Consumer complaint received 2023-04-28
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: ALLY FINANCIAL INC. (SC)

XX/XX/XXXX - In reference to my compliant ID number XXXX. ALLY Financial responded with to my compliant with the documents that I requested. I requested a payment history dating back to XX/XX/XXXX to XX/XX/XXXX. I am disputing two factors that are reporting inaccurately. Lets start with the Cares Act which is in effect for consumers.The CARES Act and Payments to Creditors and Lenders. Under the CARES Act, creditors must make accommodations for people having trouble making payments. This does not mean that you can stop making payments. It means that they must offer you some other type of payment arrangement. You must contact your creditor or lender to make any special arrangements. The arrangements they make with you will vary. In XXXX of XXXX I was offered a Extension Agreement by ALLY Financial. The extension was for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached the document for Extension Aggreement and highlighted and circled the date to coinside with the Payment History documents that I requested. The CARES ACT LAW clearly states.CARES Act and Credit Reports : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. As you can see this act applies to me according to the law. I was current before the law was established therefore The law requires creditors toreport any account that has a payment accommodation applied to it as current to the credit compaies as long as the account was current when the accommodation was made. As you check the payment history you will notice that I was current with my payments before request help do to Covid 19. My second dispute is the inaccurate reporting of the late payments. As you check my credit reports you will noticed the reporting date do not match the Ally payment history date and amount of days late. The XXXX report is saying 60 and 90 days late and the Ally financial is reporting 30 and 60 days late. The Fair credit reporting act clearly states that a consumers credit report MUST be reported ACCURATELY. Documents attached as proof that Ally is report false information to my credit reports sence XXXX.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Re : Notice to Cease and Desist for Specific Activity Dear Fair Collections and Outsourcing, Due to Inaccurate information reporting on my credit report, this letter is served upon. 

If you do not cease the aforementioned Activity a lawsuit will be commenced against you. 
You have violated multiple laws as a consumer I have rights including, *15 USC 1681 ( b ) *15 USC 1692 ( c ) *15 USC 692 ( g ) *15 USC 1681i ( 5 ) If the Activity continues, I will immediately seek a temporary restraining order in the District Court against you and any accomplices in this matter. I will also seek monetary damages to be proved at trial. Hopefully, this recourse is unnecessary, as I have my interests to protect and will vigorously do so. 

You will not receive another warning letter. If you do not confirm in writing to me by the 26 days of XX/XX/2023 that you will cease violating our Agreement a lawsuit will be commenced immediately. 

ALSO THE FEDERAL TRADE OF COMISSION IS FOLLOWING THIS COMPLIAINT AS WELL.
Consumer complaint received 2023-04-26
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 (CA)

Dear Sir/Madam, I am writing to express my disappointment regarding the recent permanent limitation that was imposed on my PayPal account XXXX I strongly believe that this action was taken in error and I would like to appeal this decision. 

Firstly, I would like to emphasize that I have not violated any PayPal policies or terms of service. As a responsible user, I have always ensured that my account is in compliance with all applicable regulations and requirements. Therefore, I was surprised and shocked to learn that my account was permanently limited. 

Secondly, I would like to request that PayPal re-investigate my case and provide me with the opportunity to demonstrate that my account activity was legitimate and in accordance with PayPal policies. I would appreciate it if you could provide me with any information or evidence that led to this decision so that I can fully understand the situation. 

Thirdly, I would like to kindly request that my account be restored if it is found that the limitation was placed in error. I have been a loyal customer of PayPal for many years and have always trusted the service. It would be greatly appreciated if my account could be reinstated as soon as possible. 

Lastly, I would like to confirm that the email address associated with my account is XXXX. I hope this information will assist you in identifying my account and resolving this matter quickly. 

Thank you for taking the time to consider my appeal. I look forward to hearing back from you and resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Hello! I am a single mother struggling to make a better life and I had my score up to XXXX and higher to get a mortgage then XXXX on 2 seperate occassions accused me of owing money which both times their company admitted fault and removed it HOWEVER my creidt score reflects as if i owed this for the almost year it was on y report and i didnt know : ( Now i a renting at high amounts and my score is XXXX!!!! HELP!! Please!! This is the problem in america we have become just like 3rd world counbtries where the rich and large companies are allowedd to hold down the common man /woman