davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK (MI)

Re : XXXX XXXX XXXX Since XXXX, I have been in the process of trying to get a home equity loan from XXXX and for some reason ( perhaps age discrimination? or another factor? ) the company is choosing not to approve the loan. 

After previously being denied ( when I was told I needed a co-signer because my debt-to-income ratio was too high ), I obtained a co-signer. We both furnished all the required paperwork ( an extensive amount ) and the loan was declined because as a self-employed business owner for 30 years, I was declared to be a non-independent XXXX. 

Is there such a thing? Wouldnt the correct term be employee? 

Of course the declaration is false. But the reason given for the denial was that because I contract with XXXX, a Third-party platform, and XXXX did not furnish a XXXX for XXXX, that means Im not self-employed. 

XXXX then informed me that due to being a non-independent XXXX, the only way I could qualify was to show more than {$5200.00} in liquid assets. Which I didnt have. 

I decided to try again, and sent the personal banker information from the IRS explaining that due to changes in the law, independent contractors may not receive a XXXX for XXXX unless they billed more that {$20000.00} ( which I did ) AND had at least XXXX transactions ( I had XXXX ). 

I also provided an official letter from XXXX verifying that I am not employed by XXXX, that I am an XXXX XXXXXXXX, have been working for clients referred by XXXX since XXXX, and the letter should suffice as proof. 

This time I thought the loan would go through. Underwriting spent time extensively reviewing everything and made a patently false determination I just received ANOTHER email from XXXX Home Loans stating that because I cant furnish a XXXX for XXXX, it means I am a non-independent XXXX and therefore do not meet the qualifications for a home equity loan. 

Which, again, is false. 

This company has treated me shabbily, and XXXX they are deliberately misquoting the XXXX XXXX XXXX own rules about XXXX contractors. 

I am convinced, beyond any doubt, that there is some underlying reason ( again age discrimination? ) for XXXX continual refusal to approve a home equity loan. And Id like for them not to get away with it.
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

We have a PayPal Extra Mastercard through Synchrony Bank formerly GE Capital. Evidently General Electric does n't want people to know they run and operation like this with PayPal. We are forced to pay the bill on this card through Paypal or by phone. Neither methods are reliable. 
PayPal and Synchrony Banks phone line are broken more than 50 % of the time. Today I was on the phone for XXXX minutes as I tried to pay my bill. Every time I pressed the keys or spoke my request the tape loop just repeated itself. This happens at least 50 % of the time when I call. I do n't know if this is a game they play so you are forced to use PayPay, but it is ridiculous and should be illegal. 
I called Synchronicity 's helpline and got someone whom I could barely understand. I was transferred to a supervisor -- really a henchman whose job it was not to help me but make the situation even more upsetting. He was rude and arrogant and gave me nothing but excuses. When I told him I was n't interested in hearing excuses for their phone billing service being broken all the time and charging me XXXX dollars to take my payment with a representative -- who is in some foreign country and I am forced to give my checking account information -- he got nasty. 
Unacceptable that these banks and financial companies like PayPal treat their customers like garbage. They offer no service. Talking to someone who is reading from a script in XXXX is not service. Then being transferred to some bully who is paid to abuse customers is unacceptable. I was so angry I said a few choice word and hung up without paying my bill yet again. PayPal and Synchronicity must be forced to provide service. We should not be FORCED to use paypal or the phone to pay. When neither is reliable and more often than not BROKEN. 
I have tried paying by mail with this bank -- mailing my bill in plenty of time -- and they play games with that as well. Saying it was n't processed until it was late even though it got there in plenty of time. 
Please investigate these XXXX companies. They are both criminal. That this goes on in the US is unbelievable. When we got this card six years ago we spoke to intelligent people who could actually help us. This is not longer the case. I have wasted hours of my time trying to pay this bill just today. And it happens over and over again!
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I don't use this card often. Twice within the past year I have been charged {$2.00} on a XXXX Balance... Most recently paid XX/XX/2023 in full {$100.00}... received the next bill for {$2.00} on a XXXX balance ... called Macy 's and they removed that fee. Why am I EVEN being charged anything or receiving a bill with a XXXX BALANCE? 
Scammers. how many unsuspecting people pay this {$2.00} fee?????
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (TX)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (TX)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX WestLake Financial SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Removal of Late Payment Record Account XXXX Dear Sir or Madam, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/year> and XX/XX/year> do not accurately reflect my payment history, and therefore violates this provision. 

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with WestLake Financial SVC and have made all my payments on time, I believe may have been an error or the result of a delay in payment processing.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

Unauthorized transactions, fraud .. and they didnt give me my money back because the banker didnt do the second dispute right. They say it was over the 30days but it wasnt. They didnt give me the chance to make another dispute for the more recent fraud transaction that still fell between the time frame of the contract. So now Im left with nothing and {$5500.00} gone
Consumer complaint received 2024-09-29
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 (LA)

On XX/XX/year>, my Venmo , Inc. acc ount was suspended for " unusual activity. '' In the email I was sent, I was given a link to upload my state ID to verify my identity and get my account unfrozen. I uploaded the doccumentation as requested, but my account was still frozen. I have contacted Venmo , Inc. support multiple times about this issue but I have been met with the same conclusion. The reason for my account suspension was a message I wrote whilst sending money to one of my friends. The message read and I quote, XXXX XXXX XXXX '' I did not realize this message could've flagged my account for sending money out of the country, it was a joke between friends, nothing more. I have tried multiple times to explain this to the Venmo , Inc. support team and have been willing to give any and all documentation to prove my identity.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CT)

I am a identify theft victim, & my information was Exposed in a data breach with my current employer in XXXX XXXX. XXXX, XXXX & Equifax. I sent & faxed Bankruptcy removal letters & credit inquire letters to along with the police report to support this. & they still refusing to remove these things off my credit reports.
Consumer complaint received 2023-05-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (FL)

This is regarding XXXX Florida XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I went to the hospital for pains in my chest and having trouble breathing. i told the nurse that I did not have insurance so only wanted what I needed to find out the problem. She told me because I wasn't working and had no insurance I would get Medicaid the hospital would file. They did an x-ray, had a Dr. come and see me also did another procedure. I said I didn't want x-ray as I did not have insurance, she said I needed to after being there for almost 3 hours. It was nothing and I had no answers. Two days after I was home the hospital called and notified me that I had to apply for Medicaid, I did and I was denied. I applied for help through a heath assistant program but have not heard anything and I have made several attempts and filled out a form and sent in paper work showing I was unemployed. I would like the debt creditors to stop calling and contacting me. I am willing to pay a bit toward this however, I feel there was negligence on the part of the hospital telling me I would receive the benefit and I did not. I also believe that I did not need all the procedures they did seeing there was no end result to my problem other than maybe something I ate or gas. Please take this matter into consideration as I am disputing all of the charges ad would like a realistic balance. Thank you for your attention to this matter.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC (OK)

I am writing to file a formal complaint against Source Receivables Management regarding their inappropriate conduct and harassment during our recent phone conversation seeking resolution and requesting a modification to the method of communication between us. I have received multiple phone calls from Source Receivables Management in relation to an outstanding debt, and I must express my disappointment in the unprofessional and disrespectful behavior exhibited by their representatives. Their tone, language, and persistent attempts to intimidate me during these calls have not only caused me significant distress but also violated the rights afforded to consumers under the Fair Debt Collection Practices Act. 

I firmly believe that all individuals should be treated with respect and courtesy, regardless of their financial circumstances. I kindly request that you investigate this matter thoroughly and take appropriate action to address the unprofessional conduct exhibited by this terrible company. 

Furthermore, I am requesting a modification to the method of communication between Source Management and myself. In light of the disrespectful phone interactions, I kindly request that all future communications regarding this debt be conducted via email or mail. This will not only allow for a more efficient and documented exchange of information but also help ensure that any misunderstandings or disputes can be resolved in a calm and measured manner.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (SC)

Name : XXXX XXXX Consumer XXXX Date of Birth:XXXX SSN : XXXX ID Type : Drivers license ID Number : XXXX XXXX XXXX XXXX XXXX sc XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo knows that an employee with their company makes me throw up. However, whenever I call their Executive Office phone XXXX, even though I tell the person that answers the phone that XXXX XXXX makes me throw up, they send me to him anyway. Before they send me to him, I ask to speak with their manager. The person who answers the phone always refuses to allow me to speak with their manager. They just send me to XXXX XXXX anyway. Then XXXX XXXX refuses to allow me to speak with his manager, XXXXXXXX XXXX. The last person that sent me to XXXX XXXX and refused to let me speak with his manager was XXXX XXXX. I am requesting that our unjust foreclosure be assigned to someone else. I should not have to talk to someone that has given me improper and incorrect information.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (IL)

On XX/XX/year> a debt validation letter was mailed to transworld system XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2024-09-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

I have a Macy 's credit card account which I use occaionally. It is my practice to pay off card within 3 months of creating a balance. XXXX XXXX XXXX I had a balance of {$350.00}. I paid {$100.00} in advance of the due date ( XX/XX/XXXX ) which left a balance of {$250.00}. The following month I paid {$150.00} in advance of the due date ( XX/XX/XXXX ) which left a balance of {$110.00}. The following month I paid the balance in full of {$110.00} which left XXXX XXXX XXXXXXXX 
I received a statement in XXXX which had a balance of {$2.00}. Since my bill is due the XXXX of each month I called Macy 's directly ( XXXX ) and spoke with a representative by the name of XXXX. I explained my bill was paid in full as of the due date last month and asked why I had a charge of {$2.00}. She removed the charge. Today, XX/XX/XXXX I had a message indicating that I needed to contact Macy 's because of a delinquent account. I called the customer service account on my bill ( XXXX ) and inquired about the deliquency. I was informed that I had a {$2.00} delinquent bill and a {$29.00} late fee. I culd not understand the representative and asked to speak with someone else. After 3 attempts I was transferred to XXXX who indicated she was a customer representative for both Bloomingdales and Macy 's. I again inquired as to why my account was delinquent. The call was disconnected. I called back and was connected to the collections department. I spoke with XXXX and was informed that the original {$2.00} charge was removed. I than inquired about the additional {$30.00} balance and was informed it was a late fee. The fee was eventually removed per XXXX after many attempts at explaining the eronious charge. I have had a Macy 's account for over 20 years and I do not appreciate how I was treated. I pay my bills on time so that I can maintain good credit standing. This practice should be outlawed.
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (NC)

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 15 USC 1681. XXXX XXXXXXXX XXXX XXXXXXXX, 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 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.

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 other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish wny 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 2024-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (UT)

I am disputing on all my items on a natural disaster from the Covid-19 that all of us had difficult times when that virus hit, all I am asking is that it be removed from my credit like everyone else received, a grant was given to all credit companies for small collections on items that were owed and this should be removed from this debt collector due to the COVID-19 natural disaster that hit
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Early Warning Services, LLC (NJ)

I went to open a business account at XXXX XXXX  XXXX NJ i was turned away due to a report or flag on my name from EARLY WARNING company that flagged my name or business. 
after weeks waiting for report it turns out there is nothing on my report that would stop me from obtain credit and or a bank account. 
However my name is flagged with no information that should have it flagged.!
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (WV)

On XX/XX/XXXX they freeze my checking account while I was trying to change my phone number. I was told to send different documentation to different people around the company. Phone calls over 4 days trying to prove that is me. ID, pictures of my self But, I just heard from my coworkers that this is something usual on this company they cancel your account for suspicious and because we dont talk XXXX they just keep the money. This has happened in my company with over XXXX other coworkers who know how many more around the states. But even though I look like an immigrant or Spanish speaker. I am not! I speak XXXX and I am legal in the states and I wont stop until I get my money back. Please Check with this Venmo bank in all the freezer accounts they have done over the past years and on how many they kept freezer and also kept the money from the employees.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

Citi bank told me theyre closing my account with no apparent reason as to why nor will they tell me, I have money in my account which I have no access to at the moment as I cant even log in. This is extremely frustrating