davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (IL)

Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXX Amount : {$29000.00} Account Number : XXXX Party Owed : American Express Amount : XXXX Account Number : XXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRAUDULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. Sincerely, FTC XXXX
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

This has been an ongoing issue with PayPal credit to the point that this company closed my account for return payments when the entire time the money has been sitting in the PayPal account for synchrony to pull from. I set up payments to be drawn from the main PayPal account and numerous times I get emails that the payment was returned and I am charged late fees. After 2-3 times of this, which each time this has happened I look at my PayPal account and the funds are sitting there untouched, so I set up yet another payment to be drawn from PayPal. For some reason it always goes through the second time. But nonetheless, apparently I am a risk for returned payments that should have never been returned in the first place and my account was closed. Now, for the month of XXXX I had a payment due on XXXX  for {$15.00}. The total balance due is {$130.00}. I have {$140.00} in my PayPal account, which when I set up payment on XX/XX/ I did so for the full amount and the payment source was set for drawing the funds from the main PayPal account. 

I got an email that payment was scheduled and the account it was supposed to be drawn from ( main PayPal ). I get another email that payment was posted. Now, yet again, I received an email that my payment was returned. HOW. I go to my account, PayPal credit is no longer listed on my main page AND the {$140.00} in the PayPal account that was there to cover the {$130.00} is still there.I have endured numerous late fees due to this system they are using. My account was closed due to this when the money is just sitting there. And now its like they are trying to get one more fee out of me.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed foXXXX XXXX XXXX XXXX in the year 2022 I had cleaned my credit report of all previous debts owed and then someone stolen my identity and used my credit to open several accounts now I have disputed a lot of these account but some of them went into collections I am hoping that you are able to get the credit bureaus to comply with my disputes and have my credit wiped back to what it was after the XXXX XXXX XXXX they have not complied at all and XXXX new collection agencys are being reported to the bureaus that I owe them when this is fraud at its finest my final result is that my credit is set back to XXXX I worked very hard to build my score then my information was compromised I showed them evidence and police reports and the credit bureaus have done nothing to comply that is why Im reaching out to you please help me resolve this it has ruined my life
Consumer complaint received 2024-01-12
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (MD)

I have a paypal prepaid card that was used in fraudulent activity, I filed a claim for the certain amount, two days later i received an email saying my claims are denied, So I call the paypal debit company to address the situation, they told me someone used my debit card which i never used one since i only used this account to deposit small amounts that accumulated over the years, so they tell me since it was my card they must deny the claim, and I explained to them that even if someone used my card without authorization that is still fraud and explained to them that I trusted my money in there bank, well then I ask them were was these transactions made which i didnt know since i abruptly called to close the account since my wife and I accounts were hacked they even called our phone providers and had our numbers changed without our knowledge so we were completely in the dark, well to end this off they told me the transactions was made in Florida and I live in XXXX Maryland , I cant understand if was even to consider committing fraud with paypal prepaid why would i fly to Florida to commit such a crime that would not be cost friendly, I am very upset that i trusted this company with the protection of my money and yet they still tell me to go to the XXXX store in Florida to prove it wasn't me seems that the scammers know exactly what stores to scam, Seems i have been a victim of a scammer and the bank, I hope that someone will understand and can help me to please resolve this unfortunate incident and get my funds returned thank you
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023, I made a payment to my credit card but wanted the payment to come from XXXX different checking accounts, the system blocked me from making the XXXX payment. This is illegal in my opinion, I should be able to make payments on my account to avoid interest charges and negative reporting on my credit report.
Consumer complaint received 2024-01-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received a {$100.00} American Express gift card from work for XXXX. I tried to use the card in several places gas stations, stores and online but it kept getting denied. I went to the website XXXX for activation, the website kept giving an error. I called customer support and was on hold for a little more than an hour, they said they could not activate the card either and they will send a replacement in XXXX business days. After receiving the new card I tried again, and still could not use it or access online balance or activation.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (SC)

Chase did not offer me anything. Out of the blue I received an email informing me my chase card was put in a XXXX XXXX I didnt authorize and dont want XXXX or anything else added to my account without permission. 

Received via email XX/XX/XXXX XXXX XXXX Your Chase card ( ... XXXX ) is now in your XXXX XXXX Your eligible Chase card is now in your XXXX XXXX  and ready to be used for online checkout at participating businesses. 

XXXX is : More secure. XXXX doesnt share your actual card number, allowing you to check out more securely online. 
Offered by Chase. As one of a few participating banks offering XXXX, Chase gives you the same trusted financial experience youre used to. 
Convenient. XXXX combines your cards into a single wallet, so you dont have to set up new usernames or passwords. Simply choose the card you want to use at checkout. 

Want to learn more about XXXX? Visit our FAQs. 

How to opt out of XXXX : You can remove your eligible cards from your XXXX XXXX in the Chase Mobile app or opt out entirely through XXXX 

Contact us if you have more questions or would like additional help removing your cards. 

If you think we sent you this message in error, call us at the number on the back of your card right away. 
Securely access your accounts in the Chase Mobile app or at chase.com. 
ABOUT THIS MESSAGE Chase Mobile app is available for select mobile devices. Message and data rates may apply. 

This service email gives you updates and information about your Chase relationship.

Chase can not guarantee the delivery of alerts and notifications. Wireless or internet service provider outages or other circumstances could delay them. You can always check chase.com or the Chase Mobile app for the status of your accounts including your latest account balances and transaction details. 

To protect your personal information, please don't reply to this message. Chase won't ask for confidential information in an email.

If you have concerns about the authenticity of this message or have questions about your account visit chase.com/CustomerService for ways to contact us.

Your privacy is important to us. See our online Security Center to learn how to protect your information. 

XXXX JPMorgan Chase & Co .
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (TX)

Please remove all the negative accounts and late reporting from my credit report. Its privacy concern and I never gave permission to reporting in first place. Violation of my privacy had went on with several companies including XXXX, XXXX have shared my private source data information with out permissions or consent
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC (CA)

Subject : Request for Assistance with Credit Report Issue Involving Village Capital Investments Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a critical issue with my credit report involving Village Capital Investments, specifically related to my home loan. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXX, CA, XXXX. My contact number is XXXX, and the loan in question is number XXXX. 

Currently, I am in the process of selling my home and purchasing a new one, primarily due to the high interest rate on my existing mortgage. In this endeavor, I have been collaborating with the Loss Mitigation department and the VA, diligently following a mutually agreed-upon plan. However, I have encountered significant discrepancies in my credit report. 

Upon review, I found several derogatory marks and an erroneous listing indicating a missed payment for the previous month, even though I have made the payment. This error is detrimentally impacting my credit score, hindering my ability to secure a new mortgage for another home. Without resolving this issue, I risk defaulting on my current mortgage.

In light of these circumstances, I am reaching out to the CFPB for support in rectifying these inaccuracies with Village Capital Investments. Your intervention is essential to ensure my credit report accurately reflects my financial conduct and assists in my housing transition. 

For reference, the contact information for Village Capital 's Mortgage Assistance Department is as follows : - Phone : ( XXXX ) XXXX - Email : XXXX - Address : Village Capital & Investment LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX - XXXX XXXX XXXXXXXX - Website : www.villagecapital.com I appreciate your prompt attention to this matter and any assistance you can provide. Please feel free to contact me for further information or clarification as needed. 

Thank you for your time and support. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (CO)

XXXX XXXX  started the process for installing solar but we canceled the project in XXXX XXXX before any work was done. I received an email from Mosaic in XX/XX/XXXX that loan payment will start. After inquiring with both companies I found out XXXX XXXX took out a loan in my name in XX/XX/XXXX even though the project was canceled. 

XXXX XXXX admitted the loan was taken out by mistake and said they would start the cancelation process but after several days I didn't hear anything. I then contacted Mosaic and they said they would start the cancelation process from their end. After not getting anywhere after contacting them several times, I submitted a complaint with the Better Business Bureau. Shortly afterwards I was contacted by XXXX XXXX that they notified Mosaic about the cancelation. As of XXXX XXXX XXXX  I had no estimate for when this would be resolved and Mosaic recommended I still pay on XX/XX/XXXX to avoid negatively impacting my credit. 

Finally after making a XXXX  complaint about Mosaic I got confirmation that both companies agree it should be canceled and that it would be canceled within 10 to 15 days. They still recommend I pay to avoid credit issues. 

I heard nothing and finally contacted them on XXXX XXXX XXXX  and they said they are still waiting from funds from XXXX XXXX and as such I should still continue making payments. 
This is a fraudulent loan made well past cancelation and for services never rendered.
Consumer complaint received 2024-01-12
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: HW Holding, Inc (TX)

I have no idea of these people Hunter Warfield calling. It always says spam and spam risk. They never leave a voicemail. I tried talking to someone but never got help. I wish they could possibly be more professional and leave a voicemail, an email, or something.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENOVA INTERNATIONAL, INC. (AZ)

I opened a line of credit with NetCredit almost 2 months ago and have had 2-3 statements generated so far. Every time I have called, Ive been informed the combined activity from my 2 statements each month will be reported to all 3 credit bureaus between the 1st and 3rd of the following month. It is now the 12th and I have not received any updates of a new account with any of the credit bureaus. I have called dozens of times to confirm with NetCredit that theres no minimum usage amount for reporting and that my new account status will not affect credit reporting either. 

NetCredit claims to have already reported to all 3 credit bureaus, yet none of them have been updated for more than a week. They have no assistance to offer over the phone other than advising me to contact the credit bureaus. 

I have opened this account, paid necessary fees, and made all payments on time for the purpose of building my credit, and NetCredit has not fulfilled any of their promises thus far. I need my credit files with all 3 bureaus to be updated promptly with my new balance and utilization information.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX  Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 XXXX Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 XXXXXXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/20XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/20XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I filed a dispute with Equifax over inaccurate reporting of a collection. This bill was paid in full on XX/XX/year>. I even submitted a letter from the original creditor showing this bill was paid and XXXX $ balance. Equifax has refused to remove this inaccurate information on 3 separate dispute occasions. I even called the creditor XXXX XXXX XXXX XXXXs ) and spoke with the manager XXXX XXXX XXXX and she stated that they have notified Equifax on 2 occasions ( XX/XX/year> & XX/XX/year> ) that the bill was paid and no longer outstanding. This inaccurate reporting is negatively impacting my credit score and has cost a home refi loan. I am looking into seeking punitive damages.
Consumer complaint received 2024-01-12
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc. (TX)

I signed up for a medical transcription editor course, was promised help in getting a job, receiving proper education and a certificate of completion. They led me to believe this was an accredited school. XXXX XXXX and their loan provider Climb Credit. Pressured me into signing a loan I was told I could cancel. Was not told that there was a time limit for the refund which passed before I received the login information for the course. So I decided to complete the course which is just stuff you can XXXX  and then could not receive any further help in job hunting or refunds. I am on the hook for a {$4000.00} loan that I cant pay off and now might loose my house.
Consumer complaint received 2024-01-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc (IL)

I received a text message today JXXXX XXXX XXXX from " H & R Accounts INC '' stating they are a debt collector and that I owe {$880.00} to XXXX XXXX XXXX XXXX. 

When I checked on XXXX ( the app that XXXX  uses ) it showed I have a {$0.00} balance and do not owe anything. I believe this " debt collector '' to actually be a scammer.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am aware of all rights that I have and that are protected by Congress under the Fair Credit Reporting Act. The credit reporting agencies XXXX and Experian have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Section 604a, Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (GA)

Email below that was sent to AMEX " To Whom It May Concern, I received an offer in the summer of XXXX  ( around XXXX or XXXX ) to pay off the balance of my American Express Platinum Business Card ( Account Ending : XXXX ). The offer was that once the card was paid, it would be reinstated with a credit line of XXXX. During that time, I was in the midst of a move and did not receive any physical mail, so I could not read the terms and services. 

In each communication with the representative, the agents confirmed that this debit was only related to this account. Although I had another card that had been charged off, if I paid the balance on the AMEX Platinum Business Card ( Account Ending : XXXX ), this card would be reinstated. 

After I received the email confirmation of the offer, I saw that it stated dependencies on other accounts being paid off. I quickly called the agents, and they confirmed that this was just the general language and that it did not apply to my case. They also confirmed that if I paid just this card ( Account Ending : XXXX ) off, it would be reinstated. 

I took the agent 's oral communication as binding and proceeded to authorize the payment. However, after paying the debt and waiting for the allotted period, I was notified that renewal was not possible until my other balance was paid. 

I have been speaking to the team at XXXX for months, requesting that they have the backend and dispute team listen to the call logs. Multiple agents stated that payment of the single card for reinstatement is a binding offer and must be adhered to. 

After many communications with XXXX XXXX, he said the only way for the team to review the call logs from late XXXX to XXXX is for me to send a written communication to request this. Therefore, I am formally requesting that a further complaint be raised for Ref # XXXX and that the call logs be reviewed. I am requesting that the AMEX Business Platinum ( Account Ending : XXXX ) be reinstated based on the oral confirmation of the American Express agent. 

The Fair Debt Collection Practices Act states that deceptive means can not be used to collect debt and that oral communications have binding merit. The agents used deceptive practices to state that my AMEX Platinum business card would be reinstated regardless of the balance held on my other AMEX Gold Card. They specifically used language to deceive me and clearly stated that the offer would be granted if this single debt was paid. 

This practice of deceit by multiple agents will not be ignored. I hope that you review the file quickly and reinstate the AMEX Business Platinum Card within the next 30 days. 

I have also submitted a complaint to the Consumer Financial Protection Bureau and will be seeking legal counsel to have this matter handled through other government agencies if it is not resolved promptly. '' Regards, XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC (TN)

Re : Errors on Consumer Checking account screening report. I've been writing to request a correction of the following information that appears on my early warning report. 

Customer ID : XXXX # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX This account on the report shows that I was suspected of fraudulent activity but I was the victim of a scam and not the perpetrator. I've asked to please investigate. I did not do anything fraudulent. 


Thank You for your assistance