davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-09
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May  Concern : This letter is in response to your recent claim that XXXX XXXX XXXX  XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

In XXXX of 2023, my son, an authorized user of my Chase Bank credit card, used his card as collateral to rent a moped in XXXX from a company called XXXX. He and his friend had a XXXX moped ride, returned the moped and paid for the XXXX rental in cash since they were leaving the next day and wanted to spend down their cash. They were told the moped was in fine shape and all was well. 
In XXXX of 2023, 5 months later, I got a charge for {$480.00} from the moped rental company, XXXX. I immediately tried to contact the company to find out what the charge was for but their phone, website and email address are no longer valid. Apparently the company is out of business and is in bankruptcy. A two-hour moped rental does not cost {$480.00} so I have no idea what they charged my card for 5 months after the fact. This is an obviously erroneous charge. A XXXX moped ride does not cost {$480.00} and why would they wait 5 months to charge it!? 
I tried to dispute the charge with Chase Bank. They initially told me the charge was fraud so I initiated a fraud claim. The fraud claim was denied on the basis that the card was presented to the merchant. I then was switched back and forth between the fraud department and the disputes department a total of 6 times over a two-hour phone call. Finally, disputes agreed to open a dispute claim. I was required to submit my dispute in the form of a letter mailed in via postal mail. I wrote a letter and sent screenshots of other consumers on the internet reporting that, in bankruptcy, the company was erroneously charging credit cards they had kept on file. 
This claim was denied because I could not produce a receipt showing that the moped ride had been paid for in cash. My son 's friend is still looking for a receipt or any proof that he paid in cash but it is really unlikely that a XXXX XXXX XXXX has saved a receipt for a XXXX moped ride for 5 months ( now XXXX months ). 
When I got the letter that the claim was denied I called disputes. I was told they could not contact the merchant and that it was a bank to bank charge and since I didn't have a receipt, they would let it stand. Ultimately I asked to speak to a supervisor. The supervisor was very rude to me. He told me that I was not a responsible consumer since I didn't have a receipt. He said that he'd saved every receipt for every purchase he'd ever made, an obvious lie. A ridiculous lie. I asked how long a company could save my card and charge it. He said forever and then he hung up on me. 
I would like help in recovering the {$480.00} I was erroneously charged.
Consumer complaint received 2020-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

In compliance with the CARES Act, and as a result of COVID-19 related financial hardship, I requested for the initial 180 days mortgage forebearance from my mortgage company Wells Fargo ( Account # XXXX ). Wells Fargo denied my 180 days forebearance request, and instead gave me a 90 days forbearance. I complaint ( Wells FARGO complaint case # XXXX ), and the complaint was investigated by XXXX XXXX XXXX, to whom I emailed on XX/XX/2020, a copy of the CFBP guideline addressing the question of the durational compliance with the CARES Act. On completion of their investigation, XXXX XXXX XXXX maintained that they will not provide me the requested initial 180 days forebearance, and will rather maintain the 90 days. I request that Wells Fargo be enjoined to strictly enforce the CARES Act initial 180 days as requested by me, and many officerd
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

I had the worst experience at Wells Fargo, I was just trying to open a personal account. I am an American citizen for a long time and for some reason I have a profile saying long time ago I had products with this bank as a XXXX XXXXXXXX, so they say they have to request an authorization from XXXX, which it is completely fine. The big problem is the worst customer service that I received. starting no one at the platform to help or for even greeting customers. Teller line with a huge lane and the teller just told me " I am sorry there is no one can help you today '', just like that and I wasn't even asking nothing yet. The image of Wells Fargo in that financial center is destroyed by the own associates. There is no Willingness to help, there is not client care. I requested to ask with the Manager, his name XXXX XXXX at XXXX XXXX XXXX, this Branch Manager just said sorry and as my case was an XXXX I have to wait A MONTH!! because that is how they work, and I know every bank is different but I know for a fact other banks gave an answer from XXXX almost immediately.So my question : Is this experience the best way to get new relationships, to get new clients? is this the best way to represent an good image for Wells Fargo. Also : Is it true that you have to wait so long to open an account ... an American citizen? 
And finally : how is it possible that a bank does not have associates to help customers, not even to answer questions? Do Wells Fargo banks only work by appointment? XXXX XXXX XXXX XXXX XXXX  I don't know nothing about Customer Service or Bank policies, but for sure Wells Fargo is not the right bank for regular customers. 
My only hope is to hear that my experience was just a misfortune. 
Thank you
Consumer complaint received 2024-02-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: HYUNDAI CAPITAL AMERICA (GA)

on XX/XX/XXXX Kia Finance America repossessed my vehicle due to nonpayment, but they never sent statements in the mail as requested. Also, the online portal was down all the way up to XX/XX/XXXX and when i did get access, the statements did not appear in my online portal until the day of repossession, XX/XX/XXXX. There was no calls or letter sent to me about the past due amount while their system was down. I was never given the opportunity to pay the past due amount. They repossessed it and I got the only statement pertaining to the past due amount in the mail today, XX/XX/XXXX. Also, I believe they are retaliating against me because I sent a letter asking them about a Lien that was on the vehicle prior to me purchasing it. I never received a response. They seem to never have a record of any mail I've sent. This was a Brand-new vehicle and I found out that KFA operating under Hyundai Finance America never financed a loan with me but they in fact transferred a debt that belonged to Hyundai XXXX  Funding, LLC and I was to be paying back that debt. They used a false and misleading contract. I was not aware that I would be paying off a debt already attached to a brand-vehicle. I have asked for documents, other than a bill of sale, showing where KFA paid for the vehicle such as a copy of a check or provide the UCC financial statements where I am listed as the debtor to justify the current lien on the vehicle. I am claiming Bona Fide Purchaser Rights. The past due amount has been paid.
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/XXXX I attempted to make an order on XXXX using PayPal as my payment. The payment was to be in part from my PayPal Balance ( about {$160.00} ) and in part from a credit card stored on and used through PayPal ( about {$100.00} ). 

There was an error in the process of placing my order and I received an error code from the website stating the order did not process. However, when I checked PayPal, my funds were removed from my PayPal account and a hold for the {$100.00} was placed on my credit card ( confirmed through my XXXX app ). 

The next day I contacted XXXX to be sure the order had not gone through. They assured me it had not and they had no access to my funds as the order had not processed. 

I attempted to contact PayPal via phone to check on the status of when my funds would be released. The customer service phone line provided an automated message that there were no customer service representatives available by phone and a chat through PayPals website was the only way to resolve the issue. I have received the same exact message on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at varying times of the day, even after a customer service representative online through PayPals chat told me I should call in for help AND a supposed PayPal Supervisor through chat also suggested I call in for help. 

Every day- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have contacted PayPal through their support app to try to get my funds back. Everytime they have stated it is on the merchant and told me to go back to the merchant. PayPal states they can not give me my funds back until XX/XX/XXXX and only the merchant can do it prior. 

I have called the merchant now twice and been assured that due to the website error they in no way have access to my money and can neither claim the funds nor refund them as they never gained access to them. 

PayPal refuses to return my funds to my PayPal account or take the hold off of my credit card until XX/XX/XXXX, nearly a month after the error in taking my payment. My only recourse is to continue trying to get them to take action through their PayPal chat which can take hours for a response, is always from a different person who had clearly not read the entire string of communication, and never results in any progress towards my refund. 

Thank you for your time.
Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (AZ)

I am filing a complaint against XXXX XXXX and Progressive Management Systems regarding a billing issue. 

I visited the XXXX XXXX XXXX in Arizona on three separate occasions this year and subsequently received a bill from XXXX XXXX. On XX/XX/year>, after I finished moving to a different city, I gathered my older mail and found a bill from XXXX XXXX with a statement date of XX/XX/year>. The statement indicated that I needed to pay {$360.00} within 30 days, giving me until XX/XX/year>, to make the payment. 

When I accessed their payment portal ( after several failed attempts to log in using the information provided on their statement, I was finally able to access the bill via the QR code ), which stated that I owed {$91.00}, not {$360.00}. I paid the {$91.00} online, and then the next page on their website stated I had no other balance due. 

A few weeks later, I received two collections letters forwarded to my new address from Progressive Management Systems, dated XX/XX/year>, indicating that I owe a total of {$270.00} ( XXXX + {$130.00} ) for the same XXXX XXXX visits. I am confused and concerned because the original XXXX XXXX statement clearly provided a 30-day deadline from XX/XX/year>, to pay in full, yet it appears they had already transferred my debt to Progressive Management Systems prior to that date, misleading me with incorrect information.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On or about XX/XX/year>, Chase shut down my Chase credit card. I contacted them and was told it was closed and said the reason would be provided to me via USPS. I explained I was out of town and unable to access my mail. Chase would not provide me with the contents of this letter. 

On XX/XX/year>, I reviewed my bank accounts online and found all the funds in my savings account were gone. Approximately {$15000.00}. I went to a Chase branch in XXXXXXXX XXXX I explained the situation to the Branch Manager. She called the fraud department to inquire as to why the funds were taken. The fraud department said it was an internal bank decision and would not tell her why. As this call was being conducted, the fraud depart then closed down my checking account and seized and additional {$20000.00}. After three hours, the manager stated, Chase no longer wanted a relationship with me and they seized the monies from both my checking and savings. And would not release the monies until they completed a full financial investigation. Reiterating several times the reason as to why this was happening was in the letter that was sent to my residence in XXXX Chase would not tell me why they had closed my accounts and seized my money.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I USE CREDIT CARD OF CAPITAL ONE ON THE DAY XX/XX/XXXX I GOT CHARGE SOME TRANSACTION I DIDNT KNOW LIKE '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' AFTER I CALLED FOR THE BANK THEY SAID WILL SEND FOR ME ANOTHER CARD AND TAKE OUT ALL THAT TRANSACTION. NEXT DAY SOMEONE KEEP HACKING AND CHANGE MY PASSWORD AND PHONE NUMBER IN THERE. I CALLED FOR THE BANK TO LET THEM KNOW I JUST USE 1 PHONE NUMBER IS XXXX BUT WHY IT SHOW IN THERE THE PHONE NUMBER OF THE HACKER IS ( XXXX ) XXXX AND THEY ADD A MANAGER USER NAME XXXX, XXXX, AND XXXX I THOUGH IT FROM THE BANK LOG IN TO HELP ME FIX THIS FRAUD TRANSACTION BUT THEN THEY KEEP CHARGING MY CARD BY USE THAT PHONE NUMBER TO VERIFY THE VISUAL CARD. THEY KEEP ADD ACCOUNT IN XXXXXXXX XXXX AND XXXX AND THE LINK APPS. I TRIED CALLED THE BANK ALOT OF TIME XXXX TIMES A DAY BUT THEY KEEP HACKING BACK FROM XX/XX/XXXX UNTIL XX/XX/XXXX IT MAKE ME SO STRESSFUL SO I DECIDED TO CLOSE THE BANK. BUT AFTER I CLOSED IT TODAY XX/XX/XXXX THE BANK TOLD ME THOES CHARGE STICK WITH SOME USER RELATIVE TO ME SO THEY WILL CHARGE ME. I CALLED THEM TO DONT LET ANYBODY LOG IN MY ACCOUNT OR CHANGE PASSWORD OR MY PHONE NUMBER. BUT THE BANK KEEP CHANGE FOR THEM OVER XXXX EVERYSINGLE DAY. THEY JIUST CHANGED CARD NUMBER XXXX BUT IT NOT WORK BECAUSE THE HACKER JUST GIVE FOR THEM MY SOCIAL NUMBER THE BANK KEEP CHANGE MY ACCOUNT EVEN I VERIFIED MY ID WITH THEM XXXX ALREADY AND TOOK PICTURE DETAIL AND ADDRESS. THE SECURITY OF THE BANK REALLY BAD. I GOT HACKED AFTER I SHARE THE LINK CAPITAL ONE FOR MY FRIEND TO APPLY. AFTER THAT XXXX I GOT HACKED.
Consumer complaint received 2023-01-22
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: EQUIFAX, INC. (GA)

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

REMOVE ALL THE LATE PAYMENTS REMARKS FOR OPEN ACCOUNTS AND DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 

XXXX XXXX XXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX - OPEN - XXXX XXXX  XXXX XXXX XXXX OPEN - all XXXX XXXX XXXXXXXX - OPEN - all XXXX XXXX XX/XX/2022 Equifax XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX IXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Stellantis Financial Services US Corp. (TX)

In early XXXX of XXXX I attempted to trade in my vehicle, a XXXX XXXXXXXX XXXX XXXX  at XXXX XXXX in XXXX, TX. I was seeking to purchase a new truck, and trading in the old truck, XXXX XXXX XXXX of {$3000.00} was necessary to get a loan. 

However, my loan company, XXXX XXXX XXXX, had never sent me the title after I PAID OFF THE TRUCK back in XXXX. 

I reached out to XXXX to resolve this issue but they had sold the account to a company calling itself First Investors Servicing.

I then contacted First Investors to get the truck title sent to the dealership. However, First Investors alleged that {$6000.00} was somehow owed on the truck here in XXXX despite me paying off the loan in full back in XXXX after there was only {$1100.00} left on the note. So there was no note to sell First Investors by XXXX XXXX XXXX to begin with. This must be some sort of scam. 

Though I owed them {$0.00}, I nevertheless offered to settle this dispute with a payment of {$1000.00}, just to acquire the title and to get the fake collection I found listed on my credit report resolved. 

However, First Investors insisted on {$6000.00} from me ( {$6000.00} more than the {$0.00} I owed, and {$3000.00} more than the XXXX XXXX XXXX of a XXXX XXXX XXXX with XXXX miles on it ) even though I properly owe them nothing. But they would not budge, apparently feeling all-powerful over a powerless consumer in need of a new vehicle. This kind of abuse is precisely what the FCRA, FDCPA, consumer protection laws, and anti-fraud statutes exist to forestall. Yet this company persists in this activity. 

Even today I am still willing to settle for {$1000.00} just to get the title and get my car loan for a new, modern vehicle. This was a generous offer to First Investors since I paid off that truck to the previous note holder XXXX XXXX XXXX and owe nothing on this truck anymore to anyone. The entire issue is outrageous and abusive to this consumer who did nothing wrong. 

Please help me resolve this issue and get this successor note holder to release my paid off title and cease their false credit reporting. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CITIBANK, N.A. (CA)

Topic : Citibank changed terms of loan after rate lock and advising me to remove loan contingency The following is the timeline of mortgage-related events : - Early XX/XX/2023 : My husband and I submitted paperwork to Citibank for a new mortgage application - XX/XX/2023 : We submitted an offer to purchase a house. 
- XX/XX/2023 : On the same day, XXXX XXXX, a Citibank mortgage officer, told my real estate agent that we're " fully approved '' and " don't need a loan contingency. '' Real estate agent advised keeping it regardless. 
- XX/XX/2023 : Our offer to purchase the house was approved and signed by all parties. 
- XX/XX/2023 : Appraisal was completed. Appraised value was equal to the final offer value. 
- XX/XX/2023 : On the same day, XXXX XXXX again advised our agent that we were ok to remove loan contingencies. We submitted signed paperwork to that effect. 
- XX/XX/2023 : My husband and I signed and returned our loan packet and rate lock agreement, which stated our terms at 15 % down payment, 5.125 % interest, and no PMI. These terms had been previously discussed and verbally agreed upon as well. 
- XX/XX/2023 : XXXX XXXX called me to state that the terms were changed to 20 % down payment and 6 % interest. This occurred after loan packet documents were signed, and after XXXX XXXX had advised us to remove loan contingencies. We had budgeted for a very different circumstance, and this bait and switch should not be acceptable. 
- Late XXXX : Appeals were unsuccessful. 

Documents attesting to the above timeline can be supplied as needed. These include loan packet, offer letter, emails, and text messages.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FISERV INC. (MN)

On my Tele Check File Report Tracking Number : XXXX theres currently transaction information of XXXX inquiries and acceptance advice listed on my Tele Check File Report. The XXXX inquiries currently listed on my Tele Check File Report is fraudulent, not my inquiries and is the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX