davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MS)

XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Method of Verification Under FCRA Dear XXXX, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : Jefferson Capital Systems, National Credit Adjust, XXXX XXXX, Receivable Management, XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX, Reason for Dispute : The above accounts are incorrect for the following reason 1. Closed/charge off accounts recorded as Paid off but the balance is constantly updated. 2. Paid off account but falsely reporting as late. 3. I am contesting these entries as it was added without my authorization. According to the Fair Credit Reporting Act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

Also, ** In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (NJ)

Early Warning Services , LLC has refused my dozens of requests for a copy of my free report, which is in violation of the law. They have ignored my requests to fix all of the wrong information on their report, which is in violation of the law. XXXX XXXX repeatedly has denied me for a checking account because of the false information from XXXX, a third violation of the law. XXXX  has told XXXX XXXX I have accounts in " high-risk '' status. This is false. They also told them I have " no accounts in open and present status. '' Totally false, I have numerous accounts that are open and in excellent standing. Fix this or I'll see you in court for a massive lawsuit! : )
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

AMERICAN EXPRESS COMPANY c/o XXXX XXXX XXXX XXXX XXXX  XXXX c/o XXXX XXXX dba XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX Application : XXXX XXXX  Number : XXXX XX/XX/2024 Greetings, How can I be denied credit as an investor, especially when my signature created the securities that American Express is reaping the benefits of? Where is the fair exchange? 

Concerns 1. **Securitization of Credit Application** : A certified XXXX Securitization Audit Report in my possession shows that American Express securitized my credit card application, creating a bond that is being traded. This makes me a silent investor in American Express. 

2. **Violation of SEC Rule 10b-5** : I also discovered that American Express is secretly trading this security on the secondary market which contradicts its SEC filings. This appears to violate the Securities Exchange Act of 1934, Rule 10b-5.

3. **Potential Tax Evasion** : The actions by American Express may have tax compliance implications, which I intend to report to the IRS.
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (FL)

I am writing to dispute certain information reported on my credit report, specifically related to the Firstsource account with account number ending in XXXX. I am asserting that I did not give written consent for this account to be reported or for my information to be obtained or furnished. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 1681e ( b ), my consent is required before my information can be reported or disclosed to credit bureaus. I did not authorize Firstsource or any other party to furnish or obtain my information. Therefore, the reporting of this account on my credit report is in violation of these provisions.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargos bank has already been sued for overdraft fees just last year, I am shocked to see they are still charging people illegally. I received an overdraft fee of XXXX dollars on for a transaction, while there was money in my account to cover the transaction. I monitor my account very closely to make sure I do not occur any late fees. I recieved an overdraft fee notice for a transaction of XXXX for a company that ach drafts my account every month. I had money to cover the transaction, I had money in my account even after the transaction was covered. I sent someone XXXX cents, after my account went to XXXX dollar balance. Once my account went to XXXX dollars, a charge of XXXX made my account go into negative. Instead of me getting a notification and grace period for this charge which made my account go in negative, I get a notification from Wells Fargo stating my account was getting an overdraft fee for as charge that happened in my account when the money was there to cover that transaction. Even after noticing the error, I still debited my account XXXX and another debit of XXXX cents to put my account back in positive after it went negative because of the XXXX dollar charge. I still recieved a XXXX overdraft fee. I called the bank to ask them if they could reverse the charge. I explained to them the error, that the notice gave me an overdraft fee for a charge that the Money in my account should have covered. The rep told me I was correct that I did have Money in my account but because it was ach it didnt post until 2 days later. He never addressed the actual charge that put my account in negative nor did he address the fact that I added money in my account for that transaction as well. He told me they would not reverse the charge and for me to make a complaint to the cfpb, as well as the occ about the overdraft fee. The charge that put my account in negative was refunded to the bank, I explained that to the rep and told him since that charge was refunded my account should have never went into negative, he still stated they would not reverse a charge I should have never incurred. He then told me to make a complaint to the cfpb and occ about this incident because he was not going to reverse the charge even though he said I should not have recieved it.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MO)

on XX/XX/year> i opened an account with CITI bank and proceeded to deposit a check for XXXX through mobile deposit. On XX/XX/XXXX, the deposit was processed. the next day I received a letter saying my deposit will take a few extra days to review, and held ALL of the funds of the check but stated I would have the funds available on XX/XX/year>. On XX/XX/XXXX, I logged into my account online to check the status of the deposit, I received an error message my account was locked, and to rest my password. after trying to reset it with no luck I called the bank to find out my account was now under review for a fraud deposit, therefore it was frozen up while they finished reviewing. I gave them one more day to straighten out the issue, and on XX/XX/XXXX, I called and was notified that my account was in foreclosure due to the potential a recent deposit may not be paid, but was told the available balance at the time of closure will be mailed in 60 days. I asked what my available balance would be, and they stated it was XXXX, the same exact amount that the check was for. I contacted the check issuer, and was told, with documentation provided, that the funds were sent to CITI on XX/XX/XXXX. 

Therefore CITI bank has had the funds as of XX/XX/XXXX, while holding them for review allegedly. Then proceeded to close my account because they had no proof the funds were legitimate, even though they had them already. They had asked me how, when, and where they check was received, after answering honestly, they closed my account still, then having the issuer contact them as per their request, they told him that they weren't sure only because they were not at all familiar with the nature of the business, then decided it was fraud for that reason. As of now on XX/XX/XXXX, I don't have a single dollar i can access since my account is froze. CITI bank said my account is still in foreclosure, but they well try to review the account to see if they can reinstate it. They claim they have no way to expedite the process, even though they have my money in the account, and it still faces denial, and my account can remain closed meaning i possibly would receive the funds in a check 60 days from now, despite the fact they currently the funds since XX/XX/XXXX.
Consumer complaint received 2022-10-28
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-09-06
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 (GA)

I had a Venmo account that got closed back in XXXX  They told me NOTHING about why. They basically said we arent gon na divulge why we shut your account down & also not gon na reply to your emails Im almost certain I had money left in there too. 

Fast forward, I end up creating a new Venmo a few months later. Ive been using this Venmo for FOUR years now. ZERO ISSUES. Money going in & out. Im verified. Social is attached. Photo ID. Etc.

Well today, FOUR YEARS LATER, they suspend it. I check my email to see an email from someone saying they arent giving it back bc they already told me in XXXX I was banned. 

What Im gathering is bc Im using the same email that was associated with said account from 4 years ago, theyre reopening that ticket. 

I honestly dont know but once again, I was told nothing & told they would not be responding back to me about it or why. 

Regardless, you mean Ive had this account for 4 years & today you are tying this account back to one you banned 4 years ago. 

Not to mention, I forgot my password to it & CALLED SUPPORT yesterday to unlock it & they did. With no problems. 

Only to 24 hours later ban it & for what??? I havent done anything dude. At all. 

How do they get to just pick & choose who they ban & then not even tell you why????? 

So I said XXXX it, I went ahead & closed the account they suspended today bc I already knew it was gon na be the SAME BS from 4 years ago & I created a new one but this time with a different email so they wouldnt confuse my new account with the XXXX from XXXX again. 

IMMEDIATELY after making it, I was suspended AGAIN! 

This is insanity. 

Ive had the best experience with their customer service team via phone the last few days bc Ive been setting my husband up one & also getting mine squared away, only to within hours have the worst experience with them. 

All of this to say the ONLY reason I even want/need a Venmo is because I am running a XXXXXXXX XXXX XXXX XXXX. Its called XXXX XXXX XXXX We put a random mom up every week, as our mom of the week & all the moms in the group have the opportunity to bless her with {$1.00} if they choose to. 

In the last 12 weeks we have total as a group XXXX XXXX with over {$100000.00}!!!!! Our last mom received {$14000.00}. 

We truly do NEED access to Venmo so we can continue making this happen. I dont necessarily need mine bc I dont put myself up as mom but its the point. How am I supposed to feel comfortable telling other moms to utilize Venmo if theyre being god awful for me?????
Consumer complaint received 2024-09-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK (NY)

My mortgage was sold from XXXX XXXX XXXX XXXX to Midland mortgage. Midland mortgage is refusing to take hardship requests for increase in expenses without increase in money. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on a fixed income every month. My pay has not increased enough to keep up with my increased expenses. I have been unable to request more XXXX XXXX bc Im not allowed to do that per my agreement bc my ex kept fighting me on that. I am the custodial parent, trying to keep my home so my kids can stay in the school district. They will be applying in the fall to XXXX and that is a whole other expense. My bills, groceries, etc have increased. I was evacuated during Hurricane Ida and had to replace my entire heating system bc I had XXXX feet of water and my furnace, oil tank and hot water tank all were severely damaged. Midland mortgage always comes back with the highest interest rate possible and they will not take any of my requests into consideration. I also have XXXX XXXX and the stress of losing my home is making my health worse. 

I feel like that do not care about helping me one bit.
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AMERIS BANCORP (FL)

XXXX XXXX XXXX I was told I was cleared for closing after a long process, my first date given was XX/XX/XXXX, then XX/XX/XXXX then XXXX and final XXXX. All these time I was told I wouldn't have to bring any money to the table. I received a second email to go see XXXX to sign paperwork but I still haven't seen the Prefinal CD. I'm clueless as to how much my mortgage will be, if everything will still be good with me not needing money for closing. So I replied and asked to be told nothing changed but you have to bring {$1100.00} for closing. So now I'm confused, because I went from not needing money for closing to need money, so obviously something changed. I went through the pliot program with XXXX and Ameris XXXX, so to me the math is not mathing. I've been requesting the prefinal CD, still no responds from the lender. As well ss the supervisor who has not been any help with this process. From the team that dont communicate, and show the lack of concern for the consumer. My realtor has been advocating for as well, ecause the amount of money that was stated i will haveshould been more than enough on a {$130000.00} loan I'm stressed and this home buying process with Ameris as been horrible. Services are being force such XXXX XXXX Nothing has been shown or discussed with me since new changes have been made.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

Here 's a complaint letter you can use to contact the Consumer Financial Protection Bureau ( CFPB ) regarding your issue with Chime : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Dear Sir/Madam, I am writing to file a formal complaint against Chime Bank regarding its failure to resolve a dispute and provide the appropriate credit to my account within the legally mandated timeframe. 

On XX/XX/2024 I submitted a dispute for a transaction on my account, providing all the necessary documentation and evidence to support my claim. Despite my efforts and multiple communications with Chime, as of today, [ Current Date ], well over the XXXX period mandated by law has passed, and I have yet to receive the credit for the disputed amount. 

This delay has caused me significant inconvenience and financial distress. Under Regulation E ( 12 CFR Part 1005 ), Chime is required to provisionally credit my account within XXXX business days while investigating the dispute. This has not occurred, and I believe Chime is in violation of these regulations. 

I am requesting the CFPB 's assistance in resolving this issue promptly. I would appreciate any action you can take to ensure Chime provides the credit owed to me and that the bank adheres to its legal obligations moving forward. 

Enclosed are copies of the correspondence and documentation I have submitted to Chime regarding this dispute. Please feel free to contact me if you require any further information. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (CA)

An Apple Card representative at the XXXX XXXX convinced me to purchase a watch there at the store and apply for the Apple Card. Their Rep did NOT give me correct or true information about receiving bills and payments etc. I never received 1 bill by mail or by email. I was seeing a monthly payment come out of my Apple account of {$14.00}. I assumed this was the watch payment. Eventually I was given a 30-day late reporting on all 3 credit bureaus. After speaking with an Apple Card Rep. and finding out that they were in fact sending statements to the WRONG EMAIL and were NOT sending me statements through the mail, I missed a {$10.00} payment which they reported to the credit bureau. After figuring this all out with their Representative back in XXXX of XXXX  and explaining that this was in fact due to the incompetent or morally comprimised customer service rep at the appe store who only wanted the commission he received from taking me into a credit card which I did not need, taking the wrong information and not truthfully or properly advising me that with the apple credit card, they automatically sign you up for " paperless billing '' and that i would never receive a bill. He also did not get my email address that I use in order to Email my bills to me so that I would receive them. When I spoke the the Apple Card Rep, she verified this, spoke to a manager and came back on the line telling me the 30-day late reporting would be removed and when I asked for written confirmation she said they do not provide that but instead would give me a " report # '' for my proof. You recently investigated this but they are lying and stating they never said this and that the report # is basically their proof that they were NOT going to remove the 30-day late. They are being dishonest and this is unfair to the consumer. I have closed that account as I will never use that bank or credit card again. They have the option to make this right and they are refusing to do so. I was deceived by the XXXX XXXX XXXX who either lied or madea mistake in not informing me of how this credit card works, he got the comission for signing me up and I got my credit rating damaged for 7 years over a {$10.00} payment. This is absolutely WRONG and immoral.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AL)

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.

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 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.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp. (TX)

paid in full, spoke to representative, they said once paid in full it would be deleted off my credit report, it is still on there and the amount. It is a XXXX balance and should be deleted per my agreement with trueaccord acting for XXXX XXXX