davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (TN)

{$460000.00} dollar CD matured on XX/XX/2023. XX/XX/2023 I requested that Synchrony bank close CD and transfer funds to my linked external account by wire transfer. Bank has not closed account as of XX/XX/2023 and bank representative states that closure of the account takes 5-7 business days and that it takes another 7 days to transfer funds after they get around to closing the account. Bank associate also stated that I could talk to another supervisor and that i would be wasting my time because they would give me the same answer. Poor custoner service. Unacceptable!!!
Consumer complaint received 2023-05-20
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: SLM CORPORATION (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately SALLIE MAE XX/XX/ Balance : {$36000.00}
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple filling errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. I hereby request you to do the below-mentioned things ; Delete tTHIS ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) I demand a validation of debt in pursuant 15 USC 1692g If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. 
Sincerely, XXXX : XXXX All rights reserved without Prejiduce UCC 1-308
Consumer complaint received 2017-01-03
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (NY)

I required the services of a software company in XXXX that creates mobile apps. I required the company to create a mobile app for XXXX and XXXX. I made XXXX Paypal payments in XX/XX/2016 and XX/XX/2016 for a total of {$3500.00}. The software company in XXXX has not been able to deliver my app. I requested a refund from Paypal and they stated that the XXXX payments did not qualify for a refund. Paypal stated that they were willing to refund the XXXX payment if I returned the merchandise that I purchased from the seller. I never purchased merchandise. I purchased a service.
Consumer complaint received 2023-05-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc. (LA)

I received a letter from Consumer Portfolio stating they were willing to settle the debt for half of what they stated the balance was. If this is possible, why are they still reporting the entire balance of {$15000.00}. The letter stated I owed them {$8000.00}. The vehicle was paid on time for 3 years. Once I voluntarily surrendered it, they started reporting it late and waited 3 months to pick it up. I had a previous debt with XXXX which they stated I owed {$7000.00}, which they agreed to settle for {$700.00}. If one company can agree to take such a reduced offer, I am sure they all can. I know these companies rip off consumers with these high interest rates. After 3 years of paying {$680.00} a month, the money had paid for vehicle twice. These companies have insurance as well which pays them for default. This is why our Country is the dire shape it is in because of Corporate greed. Please help fix this situation.
Consumer complaint received 2023-09-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

The bank charged me an overdraft fee for an item posted on XX/XX/XXXX. 
My ending posted balance on XX/XX/XXXX was + XXXX. 
On XX/XX/XXXX the bank charged me XXXX overdraft fee for a posted transaction on XX/XX/XXXX for XXXX. 

My issue is that if I have ending positive balance on XX/XX/XXXX why would I be charged an overdraft fee. 

Ive been with Wells Fargo since XXXX and they have never in the past acted this way and when I asked if something change, they have not. 
I find it very hard to believe that in 28 years that I have gotten away with not getting charged overdraft fee. 
Attached is email after I made a deposit on XX/XX/XXXX at XXXX PT. 

Thanks XXXX XXXX
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXXXXXX XXXX continues to report negative entries on my credit profile long after the 30 days that this furnisher had to provide me the information pertaining to this debt, specifically the ORIGINAL SIGNED DOCUMENT as well as THE NAMES AND ADDRESS OF WHOMEVER VERIFIED THIS DEBT BELONGS TO ME. 

As a result, they are in violation of FCRA law 15 U.S.C 1681i ( a ), as well as FCRA Public Law 91, -506, title VI, Section 611, Subsection A-D ). 

XXXX has provided me with the statement breakdown of this debt, but has practiced deceptive methods in failing to provide me with the additional information, stated above, to prove this debt belongs to me. Profoundly they are also in violation of FDCPA law, under section 807 11. 

I have now sent each Bureau two dispute different dispute letters, advocating for the removal of this account from my credit profile and still have seen no changes made. The letters are attached below.
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (CA)

This is an additional set of problems with the same servicer, Rightpath, tgat i made the previous complaint about. The default that was created by torturing the facts in the escrow account had also resulted in information im on the credit reports that is causing me serious damage and preventing me from curing a bridge loan I was forced to takeout for legal expenses. 

Another very frustrating isd e with the same company is that they refuse to answer my letters. Thay have stated quite clearly that they will only send mail to an attorney who I do not have contact with. She was retained for one task, and that was to send a qualified written request to Rightpath, because they ignored the one I sent as a civilian and not an attorney. They claim that only this attorney can request that the my communicate with me but i have no authority to do this, even though I am the one whos house they are threatening to take as a sort of blood sport : I am not aware of a law that protects their right to deny communication with me at this critical time when so much is at stake and the clock is running out. I need these two obstacles to be removed in order to recover from this bazar adventure and get back to a safe place without worry.
Consumer complaint received 2023-05-18
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX  and XXXX account 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 2017-08-07
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland Funding, L.L.C reported the same debt of {$2600.00} ( A charged-off XXXX Card sold to Midland Funding by XXXX ), as " Collections '' to XXXX Credit on XXXX/XXXX/2016, and then reported it again as " Collections '' to XXXX on XXXX/XXXX/2016.
This debt was then reported as a " New Account '' to XXXX Credit on XXXX/XXXX/2016, and then reported again as a " New Account '' to XXXX on XXXX/XXXX/2016.
I believe Midland Funding is in violation of the Fair Credit Reporting Act as Midlands DID NOT prevent re-aging ( inaccurately changing the date of the first delinguency on a consumer 's account to a later date ), and duplicate reporting.
In addition, I received no written notice of this adverse posting to my credit report ( s ).
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (OH)

On XXXX XXXX2023 the credit card company said I owed them a minimum payment of about {$41.00}, so I sent them an {$80.00} payment for it on XXXX XXXX2023. They ignored my payment as if I didn't make it and overdrew my credit line by {$20.00} and said I still owed them a payment of {$41.00} on XXXX XXXX2023. They also charged me a {$10.00} over-the-limit fee.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

I am writing to formally file a complaint regarding non receipt of debt validation from collection law firm XXXX XXXX XXXX. 

Details of the Complaint : Date of Incident : Begin on XX/XX/XXXX Company Involved : XXXX XXXX XXXX on behalf of Citibank , N.A . 
Account Number Listed : XXXX Description of the Issue : On XX/XX/XXXX in the evening I was served with court paperwork that I was being sued for a debt that I have no knowledge of. I reached out to this law office the morning of XX/XX/XXXX and requested validation of this debt, I wanted them to provide some kind of information that I have signed or a copy of my drivers licence really anything that would verify this debt is mine. On XX/XX/XXXX I received a package containing XXXX pages of nothing more than billing statements dated between XX/XX/XXXX and XX/XX/XXXX. Nothing but billing statements provided. There is no signature, no credit card agreement, nor anything that list my name other than billing statements. Again I have no knowledge of this credit card. I reached back out to XXXX XXXX on XX/XX/XXXX and informed them what they sent does not prove anything more than the debt exist but not who owes this. I told them what they provided was verification of the debt, I do not doubt the debts existence I doubt this is my debt and reinformed them that on XX/XX/XXXX that I had requested validation of this debt. I called again today XX/XX/XXXX to check the status of this request and was told everything is on hold and nothing further has been sent out. I would like this taken care of as I have diligently tried my best to help this law firm. This is not my debt and they are either unwilling or unable to provide anything that validates this debt as mine. I have provided adequate time and would respectfully request debt collection practices cease and this account be removed my credit report with all XXXX major credit bureaus. 

Despite my attempts to resolve this matter directly with both XXXX XXXX and Citibank , N.A . the collection efforts continue. When I contact Citibank directly they do not have any information for me in any of their systems. When I contact XXXX XXXX, XXXX I do not get any correct information directly related to me. They have listed XXXX XXXX XXXX, that is not me, my name is XXXX XXXX XXXX XXXX and anything bank or credit card would have that XXXX listed. XXXX XXXX also does not have correct contact information in their systems further telling me this is not my debt. 
I believe this situation falls under the jurisdiction of the Consumer Financial Protection Bureau and request your assistance in resolving this issue. 

Thank you for your attention to this matter. I look forward to your prompt response. If further information is needed please do not hesitate to contact me I will be happy to provide what I have available. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-11-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NY)

We took out loan # XXXXwith Wells Fargo for a boiler XXXX/XXXX/XXXX and financed $ XXXXXXXX9.0 % ( paying $ XXXX ). Then we did loan # XXXX for air conditioner XXXX/XXXX/XXXX financing {$4000.00} at XXXX equal payments at 0 % ( paying $ XXXX ). These work out correctly as per loans. ( paying {$150.00} ) I am assuming as their bills do not specify how money has been applied. Then in XXXX XXXX we financed a hot water tank for {$2300.00} @ 0 % for 18 mths. Our next payment from them was {$230.00}. The payment should of been {$280.00} to cover the difference. We wanted to make sure that this was paid off in the 18 mths to avoid them billing us for all of the interest if loan was not paid off in time. I called and talked to a woman ( did not get name ) and after a long discussion about amount I finally got her to say that she would correct the problem and pay the {$280.00} and correct amount would be applied to each loan. The following month the bill came and it was again {$230.00}. So I called and talked to a XXXX on XXXX/XXXX/XXXX. She stated that I could pay {$280.00}, but the extra amount would be applied to the first loan and when that was paid they would apply money to next loan. Told her that that was not right and the other XXXX loans have been accurate ( as far as I know ) and we did not want to end up paying the interest on loan # XXXX. Said I was going to contact consumer protection and report them and XXXX put me right through to an executive ( XXXX XXXX XXXX XXXX XXXX. I explained everything to him and he said what can we do to resolve this. I replied to apply all the extra money I was paying to the third loan as it should be so we do n't have to pay the full interest rate if not paid in full by the XXXX mths. He then gave me the name of a resolution dept. person, XXXX XXXX XXXX XXXX ext XXXX ). Said she would be contacting us within 10 days and gave us a case # XXXX. Said we could contact her even earlier. We have tried calling and leaving messages several times and have not gotten any response. So called the consumer protection agency today and was told to file this.
Consumer complaint received 2023-05-18
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. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MN)

My mother passed away XXXX XXXX. Wells Fargo was sent her death certificate in XXXX. They refused to speak with me or take payment. I faxed and overnighted a court order appointing me personal representative of her estate 4 times. They refused to talk to me. I sent a XXXX letter of Testimony from the court and was told it would be a week before they could speak to me and another week before they could give me the payoff amount. This is now XXXX XXXX!! In the meantime they locked the property but say they have no record of it. Sent letters to my mother 's former work address instead of her home. Requested I have her sign a release form. Sent a lawn service that called the sheriff on ME for trespassing. Now I 'm given the amount with extra fees and interest and told the drive by inspections will continue.
Consumer complaint received 2023-05-20
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. (PA)

18 U.S.C 8 : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

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 Dept of ED ( acct XXXX ), XXXX  XXXX XXXX XXXX acct XXXX ), US Dept of EDU ( acct XXXX and 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 other 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.

15 U.S.C 1666a : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S.C 6801a : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S.C 6802a : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C 6802b : Opt Out Family Educational Rights and Privacy Act of 1974 20 U.S.C 1232g 34 C.F.R 99.30 : Must have parent or eligible student written consent to disclose information
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Public Records on my credit report and I sent dispute letter on XX/XX/XXXX. Asking for a letter from the court to prove this is my bankruptcy and I wasn't given proof. Public Record XXXX XXXX from XX/XX/XXXX and XXXX XXXX from XX/XX/XXXX. And they verified but didn't send me proof from the court.