davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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: CBC Companies, Inc. (MN)

Attached is a letter from XXXX XXXX Notice of Data Breach informing my personal information was compromised. The following accounts currently listed and showing on my Factual Data Consumer Report is the result of data breach and identity theft : XXXX XXXX  XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, and XXXX XXXX : XXXX
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I have disputed the XXXX XXXX account a number of times. The account is more than 7 years old, it has been reported as a closed account more than twice, they vehicle was repossessed and sold by the company 5 years ago, the company has reported the amount of the debt incorrectly more than once, they have included people on the account who have nothing to do with the account. No matter how I dispute the account Equifax just sends back a notation that the account has been updated. And trying to reach a human being at Equifax is impossible. Their automated telephone service constantly malfunctions and hangs up. 

They are currently showing the account as 180 dayspast due because Equifax infairly allowed them to report this loan as a brand new item after having been previously closed. This now shows as if the loan just began in XX/XX/XXXX, which gives them a new 7 years to report it. 

How in the world am I supposed to have any kind of protection if this company can change the account status from open to closed and back whenever they like? - According to Equifax after 6 years of reporting the account the company was allowed to start the account over as a brand new account within the last 6 months. - If the company is allowed to change the reporting of the account whenever they like and are never held accountable they can keep this account on my report for the rest of my life! 

After repossessing the car in XX/XX/XXXX and selling it for more than the balance of the loan they continue to report the account as if I have possession of the car. It doesn't make any sense to have credit reporting procedures in place if the reporting company does not have to follow them. 

I learned XXXX is a foreign lending company after all the crazy reporting began. They are somehow able to know whenever mt credit report improves and allowed to enter more false and misleading information onto my credit report. Thi one company has been allowed to hurt my credit report continuously for over 4 years after they repossessed and sold the car the loan involves.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (OH)

My name is XXXX XXXX and i have made several attempts to XXXX to have my identity restored due to criminals illegally reaping the benefits of using my identity. On XX/XX/year> i sent out a dispute letter regarding my identity being stolen to XXXX credit reporting agency. During the time my identity was stolen i was serving a long prison term in the Michigan Department XXXX XXXX so attached to my dispute letter was supporting documentation such as Proof Of Incarceration proving that i had no access to my own identity and that the perpetrators did what they wanted and ruined my financial well being. 

XXXX and creditors deleted what they felt was necessary to them. The remaining accounts and inquiries that need to be deleted from my credit report are : XXXX. ) XXXX XXXX Acct # : XXXX XXXX. ) XXXX XXXX Acct # : XXXX XXXX. ) XXXX : XXXX XXXX Bank XXXX. ) XXXX : XXXX XXXX Bank XXXX. ) XXXX : XXXX XXXX investigation was conducted pursuant to the FCRA section XXXX. XXXX in case of disputed accuracy.. The investigation was done in such an error that they REMOVED XXXX ACCOUNTS RESULTING FROM THE IDENTITY THEFT BUT DIDN'T DELETE THE ASSOCIATED INQUIRIES. 

Also XXXX and creditors failed to have damaging information blocked and removed from my credit report according to FCRA 605.B Block of information resulting from identity theft. Instead XXXX and creditors continue to make the consumer suffer having to deal with the burden, all because they make a profit from data furnishers to continue to report inaccurate and false information. 

According to the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is to be done in a way that allows complete identification information to be reported with the ability to match the CORRECT consumer.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I received an email from XXXX rewards to apply for their credit card. I did so and was denied. I waited for the letter of explanation. It says credit score is ( Excellent ), and denial reason is " insufficient credit file ''. I called FNBO and requested reconsideration as the reason makes XXXX sense with my credit history. They said they would have a manager look at it and get back to me. After not hearing from them for over a week, I called again XXXX and they told me it is still denied. I asked for clarification on what " insufficient credit file '' means, and they told me that's all they can say and contact XXXX. I got my credit report and called XXXX. XXXX told me they do not see anything that would cause a denial, so there is nothing they can fix. Credit report shows average account age is over 10 years, I have 40 years of credit history, an " excellent '' credit score. No missed payments, low revolving credit usage, recent credit card usage, low mortgage balance, no hard pulls other than FNBO, and " no negative impacts ''. I just want a reasonable explanation for the denial. " Insufficient credit file '' would imply there is no credit history and that is not the case here. What are they looking at?
Consumer complaint received 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was denied credit from this company, but my objective when applying for credit was to have a credit application drawn up so I may extend my credit to this company. under 12 CFR 1002.7 it states a creditor shall not refuse to grant an individual account to a credit worthy applicant on any prohibited bases. Also 12 CFR 1002 regulation " B '' ( equal credit opportunity act ) is there to promote availability to credit worthy applicants, so they would be in violation. 12 CFR 1002.4 ( D ) states a creditor that provides in writing any disclosures or information required by this part must provide the disclosures in a clear and conspicuous manner. On XX/XX/year>, I applied on an application to B.O.A but their application was not one for use by a natural person, consumer, and original creditor. The federal law for consumer rights protections does not define what a loan is, so I did not want to use that terminology when applying but there were no other accessible forms. I was denied use of my social security card as my credit card when under 15 usc 1602 ( I ) it states any card used to get money, property, labor or services on credit. On my adverse action letter from them it puts that I have major derogatory or delinquencies on my file, but some of those are from closed accounts and debts that were not validated or verified.
Consumer complaint received 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

Credit was pulled to open this debt. Open date XX/XX/, {$17000.00}, According to the Federal law Fair Credit Reporting 15 U.S Code 1681s I have a right to privacy and should not had to apply to a debt collection company for this debt if it was not placed on my credit report. No written consent to add information on my credit report 15 U.S Code 1681b. The derogatory marks are not allowed on your report by law 15 U.S Code 1681c. Per Credit Law 15. U.S Code 1681c creditors agree to follow the law and have not done so 15 U.S Code 1681s-2 information is inaccurate. Name, amount owned etc.

Inaccurate amount owed Inaccurate account on credit report The car was damaged- total loss.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AMERICAN EXPRESS COMPANY (WA)

I gave American Express a application witch was a exchange for credit and it is my trust and it is my private information on that original documents witch are called comercial paper I need my original application if I did not get any benefits from my comercial paper I will need that back as soon as possible you have about 15 days to return my application that I applied to get the XXXX American Express unlimited open and end account with the charge card???
Consumer complaint received 2024-02-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (CA)

Affirm.com Affirm Holdings Inc ( XXXX XXXX # XXXX Affirm Holdings , Inc ( XXXX  XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX www.affirm.com I placed an order with XXXX, using Affirm to pay for this item on XX/XX/2024. It has almost been 1 month since placing this order and no items were shipped to me by the XXXX XXXX XXXX. I have filed complaints with XXXX XXXX about not receiving anything for this loan that I am responsible for. XXXX XXXX left my order in processing for almost 1 month. I contacted Affirm telling them why I need to cancel my loan with them due to the fact that I never received my product that the loan was for my item. I emailed and called Affirm to let them know that this loan was cancelled. Affirm has be owing {$88.00} for a loan that was cancelled by XXXX XXXX. 

XXXX XXXX Affirm Virtual Card Your loan is approved but still processing.Its OK! This status just means XXXX is still finalizing your order, which usually takes Status shows as Payment progress Paid to date XXXX  XXXX Cancelled my Order # XXXX Placed XX/XX/2024 at XXXX XXXX PT Affirm loan still shows outstanding balance of loan Remaining {$88.00} * XXXX  XXXX never fulfilled my order, Merchant Processed my Order : XX/XX/2024 Affirm XXXX XXXX Customer Complaints XXXXcomplaints closed in last 3 years XXXXcomplaints closed in last 12 months Complaint filed on Affirm.com XXXX serving the XXXX XXXX XXXX Area and XXXX Coastal California XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX Email this XXXX phone number : ( XXXX ) XXXX ( XXXX ) XXXX Affirm Other Names for this Business & Licenses Affirm , Inc. - NMLS ID # XXXX Affirm Loan Services, LLC - NMSL ID # XXXX Affirm Payments, LLC Affirm Holdings , Inc ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-02-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION (PA)

I was told from my agent that the sellers agent wanted me to call XXXX XXXX XXXX to obtain preapproval although I was already preapproved and submitted to underwriting by numerous different mortgage companies despite that I went on and applied submitted documents at which time XXXX XXXX XXXX. Pretty much instantly denied the preapproval and told me that everything was going to fall through with the deal, and that the other companies are lying to me and that they didnt do what they clearly did. She failed to ask me if I was using any retirement funds if I was using any gift money or if any of the credit cards on my credit report or my fiancs credit report were paid off. We left the phone call that I was going to continue to go through one of the four other companies that I was already preapproved from and submitted to underwriting. Subsequent to this and not deciding to go with the company, she disclosed private financial information to the sellers agent, and that the deal was going to fall through and that what my mortgage companies did wasnt true eventhough theres clear evidence I was preapproved for more than the purchase price.. XXXX and the sellers agent were friends and she was the XXXX XXXX XXXX XXXX XXXX XXXX the sellers agent gets kick backs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Back in XXXX of 2023 I received a call from someone claiming to be with Wells Fargo Bank wanting to know if I was traveling XXXX because I had some unusual charges on my account that were out of my state. They sent me a text message with a 6 digit number that they wanted me to read back to them for verification of who I was. Later that day I received an email from Wells Fargo stating that I had signed up for online wire transfers ( I did not ). Also received an email stating that an online wire transfer had been initiated out of my account. I immediately called Wells Fargo and spoke with an associate, I informed her that I did not sign for such service nor did I initiate a wire transfer. She informed that my money would be back in my account in 24 to 48 hours. To this date I have not received my money back. I have reported this to my local Sherriff Dept. and a warrant has been issued. I will attach screen shots of emails from Wells Fargo.
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I have an account with PayPal and I noticed that few transfers transactions from other country XXXX that I do not know anyone, were withdrew from my bank account, I tried to dispute these transfers transactions but I was only able to disputed 3 transactions.I did not authorized money transfers to this person, I do not know if this person logged in into my paypal account, I do not know this person from overseas, I will attach the list of numerous of transfers donned by fraud. PayPal refused to help me and correct this matter.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MN)

My Venmo account was frozen on XX/XX/23 with no information provided and no way to regain access to my account. They refuse to provide point of contact or any disclosure related to why it was frozen or ways to access my funds and stored banking information.
Consumer complaint received 2024-02-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Express, LLC (KY)

I took out what they call a flex loan kind of like a line of credit loan. During the time of the loan, I became an employee of the company. I submitted new pay stub info everyone working there gets paid on same day so they knew and the XXXX called me at work to confirm. They took out weekly payments from me saying it takes several pay cycles to fix itself. Then she tried taking a payment out a week before our pay schedule. So I stopped payment as its not my pay. Then I got fired and they took the entire remaining balance out of my paycheck. When it was due the XXXX did not call me like she always has and I was not notified they were going to do that. Then the day after I got a letter in the mail that they were doing that. If they got my phone number and always called me before I worked for them and during they should have called me now and that was shady. How can they take a whole balance out of my last paycheck without telling me? I also have XXXX payday loan checks out and they didnt do that to those.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Brock & Scott, PLLC (PA)

I was granted funding to reinstate my loan including all attorneys fees associated with the mortgage. Im in bankruptcy and was hoping the funding would make me whole and XXXX ALSO THOUGHT THE SAME. I and phaf were told my mortgage is reinstated.. I am not delinquent now. .Attorneys BROCK AND SCOTT are now saying I have outstanding fees to pay they are the lenders bankruptcy attorneys.. I m told... the debt verification process went through all of the funds that were owed.. I am now pressured by the attorneys they claim I owe and its sucured by my mortgage.. I have read and investigated and I find errors in the amount that they gave to get funds from XXXX and now trying to pressure me for my real a state. PLEASE HELP
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: REGIONS FINANCIAL CORPORATION (IL)

I am writing to express my deep dissatisfaction and frustration with the ongoing issues we have encountered XXXX Mastercard aka XXXX Superfleet Mastercard. 

Despite multiple attempts to address various concerns, we continue to face problems with our account, which have not been adequately resolved. I would like to bring to your attention the following key issues : Late Fees for Timely Payments : We have consistently made on-time payments through their online portal, yet we have been charged late fees of {$120.00} without any justifiable explanation. 

Fraudulent Charges : Our account experienced unauthorized and fraudulent charges, for which we promptly filed a fraud claim, providing a police report as evidence. However, this company insists that consumers are responsible for all charges, regardless of their legitimacy, contrary to the information given by their account manager at the time of account setup. 

Non-receipt of Monthly Invoices and Rebates : We have not been receiving our monthly invoices as well as the rebates that were promised as part of our agreement.

Unavailability of Account Manager : The account manager assigned to us, whom we were assured would be our point of contact, is no longer reachable. This lack of communication has hindered our ability to address and resolve the issues at hand.

Our attempts to seek assistance from their customer service department have been unproductive. We believe that these practices are not only frustrating but also deceptive, and they undermine the trust we placed in Fleetcor when entering into a business relationship. 

We kindly request that you investigate these matters. 
We appreciate your attention to this matter and hope for a swift resolution.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NC)

Subject : Formal Request for Resolution Regarding Billing Discrepancy and Suspected Securities-Related Activity Dear Comenity Capital/XXXX Customer Service, I trust this message finds you well. I am writing to address a pressing concern regarding my Comenity Capital/IdealImage account, specifically a persistent billing discrepancy where statements consistently reflect a positive balance, even when there is an outstanding balance on the account. 

I wish to draw attention to federal regulations, particularly 15 U.S.C. 1666 ( b ), which expressly prohibits the reporting of late payments under any circumstances. This provision underscores the importance of accurate reporting practices. Concerns arise as it appears that reasonable procedures to verify the receipt of billing statements have not been adequately adopted. 

Furthermore, the absence of a robust system to confirm the receipt of billing statements raises questions about compliance with federal laws, including 15 U.S.C. 1611 ( 1 ), which prohibits creditors from furnishing false or inaccurate information. Any billing discrepancy contributing to a misrepresentation of my financial status may potentially breach this crucial provision. 

In addition to the billing concerns, I wish to address suspicions of a discrepancy in securities-related activity. The observed discrepancy between the reported positive balance and the actual outstanding balance raises concerns about potential securities fraud. This raises ethical and legal concerns, as engaging in such activities could have serious implications. 

I respectfully request the following actions to address these concerns : 1. *Thorough Investigation into Billing Discrepancy : * Conduct a comprehensive examination into the billing discrepancy, rectifying any inaccuracies to accurately reflect the current balance. 
2. *Transparency Regarding Securities Trading : * Provide a detailed explanation of any securities trading related to my account and clarify how it may impact my rights to the security interest. 
3. *Update Account Status to " Paid as Agreed '' : * Request an immediate update of my account status to " Paid as Agreed '' to reflect the accurate payment history. 

It is my sincere hope that these matters can be addressed promptly and transparently to ensure compliance with applicable federal laws and regulations. 

Your attention to these concerns is highly appreciated, and I trust Comenity Capital/XXXX will take the necessary steps to rectify any potential inaccuracies, provide clarity on the observed billing and securities-related issues, and promptly update my account status as requested. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

Greetings, I recently received a communication from Wells Fargo ( WF ) instructing me to update the physical addresses associated with my accounts, or they would be closed. Historically, I had utilized a po box as my mailing address for all statements, but WF claimed they lacked a physical postal address on file for my accounts. In response, on XX/XX/XXXX, I visited a WF branch and presented the correspondence. The account manager assisted in updating my accounts with my home address as the physical address while retaining the po box for mailing. 

Upon leaving the branch, I believed I had fulfilled the requirement outlined in the letter. However, when someone attempted to deposit funds into my account, they informed me of the unsuccessful transaction. Upon inquiry, a WF representative explained that my accounts were frozen because the account manager had only updated the mailing address on the statements, not the physical address. I am now unable to access my funds, and according to the WF representative, I must wait for 10 business days. 

This situation has left me unable to pay bills, jeopardizing my credit, and, most importantly, impacting my ability to provide for my children. I am in desperate need of assistance.