davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACQ Holdings, LLC. (WI)

Repeated calls at work, repeated calls on personal phone. I tried to resolve situation by offering a payment plan once a month, they wouldn't do it. I revoked the ACH well before my first due date and they started to harass me and turned the debt as " defaulted '' to some XXXX XXXX XXXX XXXX XXXX XXXX whom is not licensed to practice is WI. Furthermore, this online loan agency is not licensed to give out Payday or installment loans in the state of WI, thus making this online loan that was given out illegal and void.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo made two UNAUTHORIZED TRANSACTIONS from my checking account. 
In the first instance they failed to pay my mortgage as instructed on XX/XX/19 without informing me. 
In the second instance they paid my mortgage several weeks later o XX/XX/19 w/o informing me. 
Subsequently they closed me out of my account and invalidated my debit card leaving me financially disabled.

Three visits to my branch and TWELVE HOURS ON THE PHONE WITH ESCALATIONS DID NOT RESOLVE THE PROBLEM. THEY REFUSED TO PROVIDE A TIME STAMP WITH THE ORIGINATING IP ADDRESS. THEY TOLD ME TO GO TO THE POLICE, FILE A CRIMINAL COMPLAINT AND SUPOENA THE RECORDS. 

My account was and is adequately funded.
Consumer complaint received 2020-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my account and blacklisted me from being able to open an account in another bank by reporting to XXXX ( XXXX XXXX XXXX ) due to suspicious fraudulent activity which I am innocent of. I was unable to open an account in XXXX XXXX XXXX because of this. They also did not allow me to withdraw my money, and made it impossible for me to get paid since my current employer only uses direct deposit exclusively through the usage of a void check and I am unable to obtain a checking account. The fraudulent activity which is the reason why they closed my account was due to 4 transactions made on XXXX in which I was involved. These transactions were on XX/XX/XXXX for XXXX dollars, XX/XX/XXXX for XXXX dollars, XX/XX/XXXX, for XXXX dollars, and XX/XX/XXXX for XXXX dollars. My mother transferred money from my fathers XXXX account into my XXXX account which I then transferred into my Chase checking account. My parents notified around XX/XX/XXXX that the transactions were made by them and that no fraudulent activity had occurred. My bank received a notification as per XXXX XXXX fraud investigative procedure stated on their website that they will communicate to banks and institutions in order to investigate fraud. My bank then put a restriction on my account and on XX/XX/XXXX I was unable to access my account. I contacted chase twice on the phone and went to Chase bank to explain what had happened. But chase employees notified me that my account would be closed in 2 weeks and there was nothing I could do about it, refusing to give me any detailed information about what had occurred. I do not care if Chase does not allow me to have a Chase bank account. But they have ruined my credit history and I am unable to get another bank account in other bank for at least 5 years and have cause me large set backs in my income, leaving me with absolutely no money to pay my bills since they did not allow me to withdraw my funds, blacklisted me from obtaining another bank account in another bank to get my direct deposit and so I can get paid by my employer.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

id theft victim accounts opened XXXX XXXX XXXX XXXX XXXX XXXX i need a letter of validation sent to me please from these creditors rental application with my ssn on it, Dl and any other information i am attaching my id theft report along with proper id and ssn this is fraud
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NC)

On this website : https : //www.barclaycardus.com/applycontent/TnCs.jsp? tc34714 when I signed up for a Barclays card it says upon the first purchase you will receive XXXX bonus points. Exact wordage here : REWARD RULES Wyndham Rewards Visa with No Annual Fee Gold Level Reward Rules : " Bonus Points You must maintain an open Account that is not in default under your Cardmember Agreement with us. 
Your Account can not have been inactive for 7 billing cycles in a row ( representing approximately 7 months ). Inactive means you have no balance, no payments and no transactions. 
You must be an individual ( corporations, partnerships, and other entities may not participate ) and use the Card only for personal, family or household expenses. 

Wyndham Rewards Visa Card Cardholders will earn XXXX Wyndham Rewards Points upon the first use of the card for a purchase or balance transfer. '' I did not receive my bonus points and I called to resolve and employee that goes by XXXX and ID XXXX  refused to give me my bonus points.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I obtained an updated credit report and there's credit inquiries I do not recognize authorizing. I have contacted the credit bureau and I have received no help and a response that the information is true and accurate, I asked for proof I authorized the inquiries, signatures or documents. The credit bureaus will not provide me with this information and refuse to remove the unauthorized inquiries. 

XXXX XXXX XXXX- inquiry XX/XX/2019 XXXX XXXX inquiry XX/XX/2019 XXXX XXXX- inquiry XX/XX/2019 XXXX XXXX- inquiry XX/XX/2019 XXXX- inquiry XX/XX/2019 XXXX XXXX- inquiry XX/XX/2019
Consumer complaint received 2019-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (TN)

Social Security check went into bank. The credit company the loan is with, Advance Financial, took money out too early contrary to my check deposit day and the agreement signed. Not only did they take one payment out, they did it twice, over drafting the account. Now there is no money in account for rent and credit co refuses to refund any money they illegally took.
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (WI)

I have a serious problem with AAFES credit card, called Military Star. I obtained credit card and was making payments without any problems. I lived in XXXX   at the time and since then, moved to XXXX. I traveled to a navy base in XXXX in order to continue making payments. My account does not show on their system. I called AAFES in XXXX, and they said, i had to send them a letter via mail. After I did that, I was told the account did not exist. 
So, a year later, I have not being able to pay my card because it would not be accredited, nothing else was mailed to me and suddenly, on my XXXX report only, AAFES reported my account as charged off for lack of payment. 

The system at AAFES continues to not recognized my name and social security number. They say that the number is the one I used at beginning and in XXXX, but I still can not find it on their system and is impossible to pay.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I reviewed my credit file and discovered incorrect and inconsistent reporting for the XXXX XXXX account XXXX. The reported late payments for several months do not align across the XXXX bureaus ( XXXX, Experian, and XXXX ). For example : In XX/XX/XXXX, XXXX shows 30 days late, but Experian and XXXX both report the account as XXXX. In XX/XX/XXXX, XXXX and XXXX show 90 days late, but Experian reports 120 days late. This inconsistent reporting suggests data errors and does not reflect the account 's actual payment status. The current status reflects 120 days past due as of XX/XX/XXXX. However, my account payments were not accurately recorded, and the account should not be reported as severely delinquent. These discrepancies are harmful to my creditworthiness and must be addressed. I have attached a copy of my credit report, along with the specific payment history discrepancies highlighted for your review. Please investigate this matter and provide me with a corrected report or written confirmation of your findings.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I received an email from American Express regarding a promotional rate of 0 % on my account XX/XX/XXXX. The promo said the rate would be expiring in XX/XX/XXXX. I have only one Blue For Business card so I started to take advantage of that rate. I saw on my statement that the interest was not adjusted. I went back to the email to look closer to notice it was for a different account number. I called the Amex representative and she said the account represented in the email expired in XXXX. I told her I never activated a card with that account number and I am requesting they honor the rate for my actual card or remove the interest. She said neither would be possible.
Consumer complaint received 2022-01-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

I received a response to my previously submitted complaint, Regulatory case ID : XXXX filed against PHH Mortgage Services and wish to dispute it. 
On 2/20/2019 I received letter titled " Recast Offer and One Time {$5000.00} Incentive ", see attachment, I followed the instructions and accepted the offer per letters instructions. The response dated XX/XX/XXXX claimed I received the recast amount of {$5000.00} which was applied to principal on XX/XX/XXXX. True, but, I also received another offer on XX/XX/XXXX. On XX/XX/XXXX I received a letter titled " Signed Recast Agreement - for your Records '', which on page 2 states " Whereas borrower recently made a prepayment of principal of XXXX XXXX dollars ( {$5000.00} ) -- -- -- - '' In reviewing principal payment history provided by PHH Services there is no payment credited for {$5000.00}. All activity regarding this credit occurred in XX/XX/XXXX, totally separate from the offer in XX/XX/XXXX. I am owed {$5000.00}, and have a notarized document signed by my wife and I and accepted by by XXXX XXXX, Assistant Secretary, PHH Services on XX/XX/XXXX stating such. 
I am still waiting on the authentication of principal increase of {$7900.00}. I am requesting an itemized statement showing how this amount was calculated.to come up with principal balance of {$330000.00}, and the supporting documents. What were the individual components arrears, deferred principal, etc..
Consumer complaint received 2020-01-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX Paypal sent me a email that I would no longer be able to use my account and I wouldn't have access to funds for six months. I've been a Paypal Account holder for well over three years with no issues before. I have a balance on my account of {$630.00} which they are denying me access to for six months. They haven't stated why, and all communication to them has gone unanswered or not possible to get any reasons from support over the phone about issue. I've attached my last months statement and can include many more months of statements if needed.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (MD)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : FLAGSHIP CREDIT ACCE Made on : XX/XX/2017 Made with : { insert name of credit reporting agency } To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

To whom it may concern, I have noticed a discrepancy on my Equifax Credit File. I had a student loan with the " Department of Education '' that I paid off in full in XXXX of XXXX. However on my Equifax credit file this creditor is reporting Paid/Closed but with 6 charge offs, 7 lates and a past due balance of {$1400.00} which is incorrect. The account number in reference on my Equifax report is # XXXX. 

This account should be reporting as paid in full and closed, with no charge offs or late 's due to the fact that the late payments noted are XX/XX/XXXX to XXXX of XXXX which is definitely incorrect. The Creditor was paid in full of XXXX of XXXX with no balance left whatsoever so for this creditor and Equifax to be reporting 7 late 's and 6 charge offs after is mind boggling to me, especially when the report itself shows my balance as {$0.00}. I need this information updated correctly within 30 days under the FCRA guidelines and regulations of all reporting agencies and creditors must report accurate and correct information. 


Thank you, XXXX
Consumer complaint received 2019-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (WI)

The medical insurance I am covered under was delayed in making a payment to XXXX XXXX XXXX, but eventually paid out. Despite this insurance payout occuring several months ago, I have continued to receive 5-6 calls per day from State Collection Service ( PO Box XXXX, XXXX, WI XXXX ) and have a derogatory mark on my credit report with all three bureaus -- with the exception of XXXX, who reviewed a dispute I opened and removed the collection from my report. XXXX investigated and the debt collector did not agree to remove the collection, so I requested a more thorough investigation. The XXXX investigation is ongoing. My credit has been ruined as a result of this inaccurate collection and the phone calls are bordering on harassment.
Consumer complaint received 2019-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had fallen for a scam from someone claiming to work with my job and threatened if I didnt deposit the checks they would report me. I had recently had to resign from the job due to health issues. And they claimed I had a check waiting for me for the amount of money they owed me. I gave them my log in and turns out the checks are fictious. They demanded I have the money sent to them and then sent back to verify the funds were ready and there. They closed my account with Bank Of America and took my remaining money before the holidays. With nothing left. I would like to have the insufficient funds waived off or a payment plan. I can open a new bank account with a different branch and pay off the debt over time. I do not want this to prevent any other issues in the future for me. This was an honest mistake and a claim was filed but I was told I would get my money back right away and the charges would be removed when I realized what happened the same morning.
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

On XX/XX/2019 I realized that my Coinbase Pro account had been temporarily disabled. 

The same day I contacted their Support Center explaining that I was unable to access my account, and Case # XXXX was opened. 

Later I received a reply email in which I was informed that my case had been trasnferred to a specialist who would be able to help me with the issue. 

On XX/XX/2019 I received an email from coinbase in which I was informed of the closure of my account, due to alleged violations of the terms of service. In the same email I was invited to access the account to withdraw the remaining funds and complete the closure. 

On XX/XX/2019 and XX/XX/2019 I sent two emails to Coinbase asking for more details on the reasons for closing the account and, above all, asking for their help so that I was given the opportunity to withdraw the remaining funds. 

The amount of funds I can not withdraw is around EUR 15000, divided between BTC, ETH and EUR. 

To date, my requests have remained unanswered and it is still impossible for me to withdraw my funds.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

During theife of the loan, I took advantage of XXXX extensions that are available. I asked customer service, if I would be able to continue paying my regular monthly payment amount after the maturity date, due to the extensions, and they stated yes. I then stated, ok, so I won't have a large lump sum due at the end, correct? They stated that no I wouldn't. Fast forward to the payment I made this past XXXX, I paid XXXX dollars, like I normally do every month. Apparently XXXX was expecting me to pay XXXX dollars. When I didn't, and the account went past due, XXXX dud not call me, or at the least sent me a past due letter. I verified they have my correct phone number and address. I say this to say, that if they would have bothered to reach out to me, like a normal XXXX  XXXX company dues when you are past due, I would have had a chance to settle the account, before going over 30 days late. This was very preventable, if XXXX only made an attempt to reach me and attempt to collect the past due amount, but they didn't, they met it sit there and go past 30 days late. Not good business! I always paid my account well and on time, and the only reason, I didn't pay the XXXX dollar amount was because, again, I was advised by XXXX customer service, that I could continue to pay my regular payment amount until the loan was paid off, but obviously that was not the case. Even after that, again, if they had sent me a final bill in the mail, a past due notice, called me, Etc... this gets taken care of way before the 30 days.