davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OPORTUN FINANCIAL CORPORATION (KY)

I got a call from a number ( XXXX ) I did not recognize. I was told it was concerning a debt held by XXXX. I stated that they could not call me because this debt was part of a XXXX XXXX filing. A " manager '' got on the call and stated that there was no way the debt could be part of a XXXX XXXX filing because it was not on my credit report and they would sue me and get a judgement for the funds owed. I asked for the original creditor, person stated it was with XXXX and I knew it must be Opportun, a personal loan that is in fact on my XXXX XXXXXXXX filing because I submitted the information myself and it is on my XXXX XXXX repayment plan. I told them it was against the law for them to contact me and I would report the call to the FTC, the person stated they worked with the FTC. I know this is a lie because FTC does not make collection calls. I stated again I should not be contacted further and the person threatened me again with a lawsuit and judgement. I ended the call. The call was harrassment plain and simple for a debt that is part of a XXXX XXXX filing.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PR)

We have and original complain under my account and Citibank responded 1. They mentioned that they have mailed a letter to me on XXXX XXXX. That I should wait 10 days for this letter. 
2. The letter never arrived and my account is still blocked.

3. Their resolution was not real.
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC. (FL)

Ive been trying to contact XXXX XXXX XXXX to settle a debt in the amount of {$4800.00}. I called numerous times on XX/XX/year> to see if I can settle the debt and get something in writing to show that the debt was settled. Nobody will direct me to someone where I can settle this debt.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

This is now my FOURTH ( 4TH ) COMPLAINT about Wells Fargo Bank! 

Its senior premier vice-president XXXX of the XXXX, XXXX XXXX branch adamantly but adamantly refuses even to acknowledge the deep and deepening concerns of my beloved wife XXXX XXXX XXXX also a Wells Fargo customer and me! We have repeatedly emailed him to no avail! 

Nothing at all has been done by the Wells Fargo Bank about the SEVEN ( 7 ) OVERDRAFT FEES despite the fact that Wells Fargo Bank continues to deny me on-line access to my checking account, demanding that I must have a mobile phone or purchase one! 

XXXX XXXX and I have no need for a mobile phone. 

Wells Fargo Bank is purposefully and knowingly discriminating against tens of millions of Americans and other people who do not because of POVERTY or other valid reasons have a " mobile phone ''! It is demanding that they do if they want to transact business online with Wells Fargo Bank! 

I have repeatedly told Wells Fargo Bank as has my beloved wife XXXX that I am a XXXX XXXX of very XXXX XXXX indeed and with XXXX XXXX XXXX! 
We have also repeatedly told this XXXX fellow at the XXXX XXXX. THEREFORE, I CAN NOT JUST POP OVER TO THE XXXXXXXX XXXX! 

FROM XXXX XXXX : I am absolutely outraged! I am appalled. I am disgusted! Wells Fargo Bank is MERCILESS, SHAMEFUL, DISGRACEFUL! 

I have a good mind to complain to CONGRESS, THE FEDERAL RESERVE, THE COMPTROLLER OF THE CURRENCY, THE US DEPT. OF THE TREASURY, THE White House, THE INTERNATIONAL COURT OF JUSTICE! 

And HIS HOLINESS XXXX XXXX!
Consumer complaint received 2024-09-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (CO)

Our issue began in XXXX when we accepted Chase BAnk 's offer to suspend mortgage payments. THen when it was over the loan modification process was an absolute nightmare and incredibly predatory. Also, along side all this they are stealing and overcharging our esrow account and inflating the " shortages ''. They will not help you in person in the bank we have gone as high up as a VP at a branch location and she promised to help us but never heard from her again. I have spent XXXX 's of hours and frustration being passed around to different departments blaming the other. 
They claimed to not receive documentation from us and then did an accelerated foreclosure and then recinded that and offered a worse terms modification- they also put us in a XXXX loan and when logged into the dashboard it says XXXX  year. I have proof of all the payments made on time during the modification trial period and beyond. They took all those payments and cant account for them. This alone is over {$10000.00} with of payments. 
It is painfully predatory how they are treating us and we can not be the only ones. I imagine many others are suffering too. We don't have the means to hire attorneys or forensics investigators and all Chase does is make " adjustments '' to paper work and history in their favor and use the escrows to hide what they are doing. They increase our payments way beyond the increase of our taxes and insurance. Also, they will not allow us to remove escrows because that was the predatory term for the modification. 
THey will not let us communicate directly with fannie mae or XXXX XXXX and say that is who our loan is with and blame them. ITs a run around and they intentionally know what they are doing.
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

The following companies are reporting late dues and collection to the credit bureaus, XXXX XXXX XX/XX/XXXX, and Portfolio Recovery XX/XX/XXXX ; XX/XX/XXXX. The following accounts have been discharged up under XXXX XXXX Bankruptcy in XXXX. I am violated under the FCRA.
Consumer complaint received 2024-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (NJ)

I was not properly offered a loan modification back in 2010 XXXX XXXX XXXX XXXX XXXX nj XXXX loan number XXXX with Wells Fargo. Me and my XXXX children were forced to move it and lost our home please help. I do not agree with the last response I received. Thank you XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (MO)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/year>
Consumer complaint received 2024-09-05
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: Resurgent Capital Services L.P. (CA)

on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : 1.Lvnv XXXX. XXXX XXXX requested a deletion due to the information being wrong and failed to get back to me within 30 days Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified. 
I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau This letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action. 
Thank you for your immediate attention to this matter. 
Sincerely,
Consumer complaint received 2024-09-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (PA)

In the debt validation letter, the debt collector, AR Resources , Inc., is supposed to provide an end date for a 30-day period when I can dispute the debt. That is missing from the document they sent me. They are in clear violation of the The Fair Debt Collection Practices Act.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Andreu, Palma & Andreu, PL (NJ)

I have made numerous attempts through Andreu , Palma , Lavin & Solis , PLLC and their Client XXXX Funding to receive the original credit card agreement with my legal signature providing proof of account ownership for an account that I am currently be sued for in XXXX XXXXXXXX XXXX As of today 's date, XX/XX/year>, I still have not received the proper verification of said debt owed by XXXX XXXX or Andrue, Palma, Lavin & Solis. I feel this is an unfair practice on their part. Please see attached complaints filed by consumers against XXXX XXXX through the XXXX for not providing such proof.
Consumer complaint received 2024-09-05
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 (MO)

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm writing to communicate my anxiety with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely explored. Regardless of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and blocking my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is happening straightaway. I compassionately demand that you lead a careful examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recapture command over my monetary prosperity. I earnestly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

Appeal I need my claim dispute to be reopen because when I did send yall the documents to XXXX on XX/XX/year> at XXXX XXXX yall never received them or upload them to my case and please dont take the provisional credit out on the account on XXXX until the investigation is final and done over and completed etc. 

My name is XXXX XXXX XXXX please upload these documents to my case reference # : XXXX And claim number XXXX use these new documents don't use the other one I sent please etc claim number is XXXX My name is XXXX XXXX XXXX and contact me at XXXX and account number is XXXX etc
Consumer complaint received 2023-07-11
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

On XX/XX/2021 I listed a {$30.00} mirror on XXXX XXXX and an individual I did not know messaged me asking to add me on Venmo and requesting my username to come and pick the mirror up the next day. As soon as we were official Venmo friends he sent me {$900.00} for a XXXX XXXX XXXX XXXX which was different than the {$30.00} mirro. I messaged him immediately on XXXX, saying " did you mean to do this? How can I get you your money back? '' He requested and I send it all back, which I did. After this he blocked me on XXXX XXXX. 

A few days later Venmo reached out to me saying the {$900.00} was unaccounted for and my account has been negative XXXX since. I opened the case, and they sided with XXXX XXXX who clearly scammed me. I eventually gave up because Venmo 's communication was poor and it seemed there was no hope. 

Flash forward almost three years ... a few days ago, one of my friends accidentally sent me a charge for {$290.00}, not knowing I no longer use Venmo and that account was in a deficit. Venmo charged the {$290.00} of my friend towards the {$900.00} in my account ( which is an on-going investigation ). They are refusing to give the money back to my friend, and have given little to no information on the Venmo account of the individual who scammed me. Therefore, I am stuck and have no way forward.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

THE problem is this : Wells Fargo Bank, and it is with all due respect incomprehensible to my beloved wife XXXX and me, requires that we have a mobile phone in order to gain online banking access! 

But repeatedly I have told XXXX senior XXXX  banker in the XXXX branch and as well at the corporate level that we do not have a mobile phone and that without a mobile phone we can not use online banking! 

Being a man of XXXX  years of age with XXXX XXXX XXXX XXXX, I can not just pop over to the XXXX branch. 

I learned the other day that I have not XXXX, not XXXX, not XXXX, not XXXX, not XXXX, not XXXX but XXXX overdraft fees at {$35.00} per piece for an astoundingly sickening {$240.00} that sent me straight to bed! 

XXXX and I live ONLY on Social Security and so this means I can not make certain vital purchases! 

Furthermore, and importantly, no one ever called me about these fees! I was not ever emailed about these fees! I received no letter about these fees! XXXX with whom I have transacted bank business never called me, wrote to me, emailed me! 

For some unknown reason my access to online banking ceased and efforts to restore it failed because, to repeat yet again, we do not have a mobile phone! 

LET ME BE VERY CLEAR : Tens upon tens of millions of people in our beloved country and hundreds upon hundreds of millions if not billions of people round the world do not have a mobile phone AND SO CAN NOT HAVE Wells Fargo ONLINE BANKING ACCESS! 

Patently unfair and, with all due respect, UNCONSCIONABLE! 

A matter it seems to me for both the Comptroller of the Currency and the Board of Governors of the Federal reserve! And Congress and the FTC and the XXXX and DOJ as well!
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

A representative from Jefferson Capitol LLC ( I do not know his name ) called me on Friday, XX/XX/scrub> 2024. He told me there was a debt that he was collecting for, which was news to me. He insisted that I provide my home address to send me mail and I asked for more information before providing him with any PII or confirming personal details. Then he started raising is voice and yelling at me, insisting I needed to give him my address. I hung up at that point in time, given how inappropriate and harassing his behavior was becoming and his refusal to answer my questions surrounding this " debt '' I've never heard of. 

When I checked a credit report, I noticed the debt had been reported so I assume this wasn't a scam and it was in fact someone associated with XXXX XXXX. This debt is not mine, I have never opened an account with the Bank for the credit card listed. 

I'm reporting the organization for the agent 's bullying tactic, but also because he had refused to verify any additional information about my supposed debt. He called after XXXX during the day and did not continue any other contact attempts.
Consumer complaint received 2024-09-05
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 (MO)

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/XXXX, I identified XXXX different unauthorized transactions for just under {$5000.00} each made within the last week. Both transactions were titled as " XXXX XXXX ''. I immediately called Wells Fargo to dispute the transactions and file a claim. Banking associates identified both transactions as happening through a service called XXXX, which I have never used. Banking associates declined to cancel the transactions as they were still pending, but went forward with an investigation. My claim was eventually denied, and the bank told me they believe the transaction was completed by me or authorized by me. Following the date of these transactions, I have tried to make an account with XXXX to find out about these transactions but I could not find a record of them. XXXX has provided me with a written document corroborating that there was no record of an account with my name or banking information at the time of these transactions. 

On XX/XX/XXXX, I also received by mail a notice of a data breach from XXXX XXXX, wherein it details that my personal information, including banking information, was compromised at some point in late XXXX this year.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.