davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-11-21
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. (OH)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

XXXX All the money in my PayPal account was being transferred to an unknown account ( XXXX XXXX  ), so I immediately contacted PayPal customer service to inform them of this and asked them to stop the transfer. 

- Later, I checked my account and found that my email was changed, and there were XXXX bank cards that were not mine saved in the account. So I took a picture as proof before deleted it and immediately changed my password XX/XX/XXXX - My PayPal balance was {$XXXX} again, and I checked to see what had happened, but I could not find any suspicious transactions.so claim and send an email to PayPal. 

XX/XX/XXXX - record appeared showing that {$XXXX} had been transferred to XXXX Bank. ( I think i made it impossible to check before the transfer was completed ) But XXXX PayPal XXXX my appeal and closed the case.So I requested documents regarding the investigation, but I was not provided with any.
Consumer complaint received 2024-10-11
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (GA)

15 USC 1692d ( 5 ) Violations In XX/XX/year>, I was contacted XXXX times concerning a delinquent balance for XXXX XXXX and they contacted me concerning a debt at a property Ive never lived at nor do I know anything about this debt. 
Im a victim of identity theft. Email address they have on file is XXXX and Im not associated with that email address nor have I EVER LIVED IN COLORADO! Who is XXXX XXXX and why is their information attached to me? XXXX XXXX has failed to comply with FCRA guidelines and have refused to cooperate. 
Someone or persons have applied for housing, utilities at an address Ive never been associated with, an email address that is non existent for me. On XXXX XXXX I mailed XXXX XXXX a debt validation letter asking for 1 ) Eviction notice SERVED. 2 ) Payment history for this account. 3 ) Lease involved with this address. 4 ) PURCHASE AGREEMENT. 
Ive told XXXX XXXX that XXXX a victim of identity theft multiple times and they have harassed me for months. Multiple calls a day. Ive submitted documents verifying that I have lived in XXXX, XXXX for 5 years with a standing lease at XXXX XXXX XXXX XXXX XXXX, Unit XXXX. They have persistently and repeatedly harassed me concerning this debt. XXXX XXXX has contacted me XXXX times within a 7 day period concerning this account.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I went to a Chase bank ATM to withdraw cash. The ATM was located inside the bank. I placed my card in the ATM and inserted my PIN. I selected the amount ( {$300.00} ) of my withdrawal and the account. After several minutes of the machine counting, I received a message to remove my card. The machine didn't dispense any cash nor did it dispense a receipt. I waited at the machine for several more minutes while it was still making the counting noise. An employee from the bank approached and ask if they could be of assistance. I explained the situation to her. I then re-attempted the transaction on the ATM and received a message stating the machine was unable to dispense cash. The employee said she would place the ATM out of service. I then went to the employee 's desk where she placed several phone calls. She instructed me that since Chase wasn't my bank I would need to file a dispute with my bank ( XXXX ), which I did. The employee gave me a the branch managers card and said she would notify her of the situation. She said if I or my bank had questions to call. After nearly XXXX weeks I received a notice from XXXX stating that my dispute was closed, and they had refused my dispute. I contacted them and asked for my dispute to be re-asserted and to send me the information that they used to make this decision. They sent me XXXX paragraphs of code describing the transaction but no evidence of cash being dispensed. There was no video from the bank or the ATM, or any information from the ATM just an electronic notification that a transaction had happened. I am still waiting to hear from XXXX. The {$300.00} charge has been applied to my account. {$300.00} withdrawl and {$3.00} ATM fee. The rep at Chase said she remembers the situation and would talk to my bank if needed. I eventually went to the teller at the bank and successfully received cash.
Consumer complaint received 2024-10-09
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: GOLDMAN SACHS BANK USA (CA)

A fraudulent charge was charged to my credit card on XX/XX/year>. I immediately reported it to Apple Card. They said they would send a new credit card and reverse the charges. I received a follow-up email saying my dispute was declined. I reached back out and they said let 's put this through one more time. Today on XX/XX/year> I got my second denial of the dispute. After calling and talking to 6 different people, they kept sending me up to supervisors, they said they would escalate. 

I did not make the charge, therefore I can not provide proof of the charge or a reversal of the purchase as I did not make the charge. I can not verify a charge if I did not make it. That is the point of reporting a charge I did not make. 

In my research, I have discovered that Goldman Sachs does not honor the zero liability protection and quite often gives customers to run around. It doesn't take too much time on XXXX to see their dishonest business practices. My parents on the other hand have XXXX and have never had an issue in their 30+ years.
Consumer complaint received 2024-10-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIBANK, N.A. (NY)

Citibank Mortgage Application number XXXX. 
The mortgage team delayed the process, especially the processor and the underwriter, and they started checking documents sent long time ago just one day before closing. I missed my closing date that was today, and still dont give any solution
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

I checked my mail as saw that there was XXXX letters from XXXX North Carolina, the first : opened it and it was from a debt collection agency saying that the account ( that is not mine ) meets there guidelines for a placement to a law firm. The second : was a letter acknowledging a dispute and asking to file with the FTC ( in which I did after filing this complaint ) - and I attempted to call the debt collector, but was unable able to get a good connection with the costumer service person ( not their fault ), I will be trying to get in contact with XXXX XXXX XXXX as well.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

I have attempted to contact portfolio recovery because they bought my debt, sent this letter in XX/XX/year> notify me that my account was sold to them, but never sent me anything prior to that for me to sign or give them permission. I have tried calling them. I never get an answer and Ive tried disputing it, and nothing is happening. I did not!! give them permission to buy it. I did not sign anything.. They did not send me anything. Their website always crashes and its hard to contact somebody, I asked and complained that they remove this debt from my credit report because they wrongfully sold my debt to a third-party, portfolio recovery services XXXX XXXX It did not notify me at all about it. They shared my information my account numbers, and that is illegal and against FCRA.. I asked that they remove this collection and debt for my credit report and from all bureaus!
Consumer complaint received 2023-07-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (NM)

We opened an educational savings accounts for our children at Bank of the West in XXXX, New Mexico. We receive periodic statements. One my son 's is getting ready to go to college so I was accessing the accounts on line and found that my younger son had an account that was missing. I dug through all the old statements and found a statement that had been sent with all the other statements ( XXXX savings accounts in total ) that looked like every other statement but was titled " abandoned account ''. There is no number or email to contact but in small print it states that " the assets in your account will be turned over to the state of your last known address pursuant to the Abandoned Property Law, if you do not contact us. '' This was sent regular mail and identical to all the other statements. I have left two messages for our investment advisor, have gone to the bank in person, I have called Bank of the West customer service for investments two times and was hung up on both times, I have sent an email to the customer service email and I have sent an email to all the investment people at the Bank of the West in XXXX. I have received no response. I also checked the unclaimed property website in NM and found this account was not there. The money is missing and no one from the bank will respond.
Consumer complaint received 2024-10-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

SPS Select Portfolio Servicing inc is now the servicer of my first and second mortgage thats was transferred from XXXX effective XX/XX/year>. They continuously call and attempt to collect payment for my 2nd mortgage prior to the due date. The due date is the XXXX of the month with a 15 day grace period. They have it set up as due the XXXX of the month. The bills they send reflect the incorrect due date and they have rejected my attempts to set up an ACH because it would be outside of the incorrect due date they set up. They repeatedly call as if they are not aware of the problem in an effort to 1. Collect Money not yet owed and 2. To set up an ACH in line with an incorrect due date. Even though notes on my account are extensive and a research request is in place they continue to harass me with phone calls.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

I have complained about Equifax before, with absolutely no results. I've tried to freeze my credit with them in every way possible, with no results, and have complained about them to this agency, also with absolutely no results. I froze my credit with both XXXX and XXXX online with no problems at all - everything worked exactly the way it should. With Equifax, when I created an online account and was unable to sign in to it because it told me the data I had JUST created was incorrect. I should note than I'm an experienced IT professional, and an very adept at working on the Web. Several times, it gave me phone numbers I should call, and each and every one gave me a recording to the effect that they were extremely busy and I should try something else, and none of them EVER answered after long periods of time. So I was unable to resolve this XXXX  problem by phone. I also tried other numbers I found to try to freeze my credit by phone, with the same [ non ] results. So I went through the extremely difficult process of trying to freeze my credit with them by mail, laboriously filling in all the information they demanded and making and including copies of all the documentation they demanded. I should note that doing this by mail is extremely dangerous in light of all the mail thefts that are occurring now, but it was the only method left. After a couple of weeks, I received a letter from Equifax to the effect that I hadn't sent the required information, which I definitely had, at great risk to myself. At this point, it seems that Equifax doesn't operate as a legitimate company, even though they have the privileges of one, and that they report to the CFPB that they have resolved the problem, when they definitely haven't. It's a disgrace that Equifax is permitted to deal in such a sloppy, and frankly dishonest, manner with sensitive consumer information - and not much less of a disgrace that the agency that's supposed to help resolve such bad behavior that endangers consumers seems unable or unwilling to do anything about it, I am thoroughly disgusted, and if I don't hear from the CFPB about this matter and what they're attempting to do about it ( because I'm certainly not the only consumer who is being treated like a mark by this horrible company ), I will begin to contact my legislators about both Equifax and the inability of the CFPB to properly regulate them. If the CFPB doesn't have the authority to do what it needs to do to help consumers, I need to hear that from the CFPB so that I can solicit my representatives to that effect.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-10-07
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (TX)

To whom it may concern, I am writing to formally file a complaint against IQ Data International Debt Collections regarding their violation of the Fair Debt Collection Practices Act ( FDCPA ) during communications about a debt I owe. 

Details of the Incident : On XX/XX/year>, I received a missed call from IQ Data International Debt Collections around XXXXXXXX XXXX. I returned the call at XXXXXXXX XXXX and spoke with a representative named XXXX XXXX. The total amount of my debt is {$4400.00}. 

During this call, XXXX XXXX spoke in a rude, condescending tone and made repeated threats to " take action against me. '' I asked him to provide a recording of the call, which he refused. I find these threats unsettling and unprofessional, especially as I have not received any written correspondence from the company before this call, making this the first communication I have had with IQ Data International Debt Collections. 

Another applicant on the account, XXXX, called to speak with XXXX XXXX about the debt. He was treated in a similarly rude manner and denied the opportunity to speak to a supervisor. XXXX explicitly requested to speak with someone else due to XXXX XXXX 's unprofessional behavior, but XXXX XXXX refused and even acknowledged that he was intentionally denying access to a supervisor. When XXXX attempted to discuss how we could resolve the account, he was still denied a proper response, and XXXX XXXX ended the call with the statement, " Good luck, '' before transferring XXXX to a voicemail. 

Violation of FDCPA : I know IQ Data International Debt Collections has violated the FDCPA by making illegal threats of action on my account, which caused distress and were vague and unsubstantiated. 

Refusing to allow communication with a supervisor, which I believe is a tactic to avoid accountability and maintain a hostile interaction. Using unprofessional and abusive language, which included intimidation and belittlement.

I request an investigation into the behavior of IQ Data International Debt Collections, particularly the representative, XXXX XXXX. 

I would also like a copy of any recordings or documentation regarding my account and communication with IQ Data International Debt Collections.

I am seeking assurance that any further communication from the company will be conducted professionally, with no threats or unsubstantiated claims. 

Should these violations continue, I will explore additional legal options, including filing a lawsuit for the illegal threats and violations of my rights under the FDCPA. 

Thank you for your time and attention to this matter. Please confirm receipt of this complaint and any next steps in your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I applied for a credit card and was sent a denial letter on XX/XX/year> citing credit being too high, my credit references are not mature, and current or past delinquency on public record or credit file. Application referenced number is XXXX and when I called for reconsideration under adverse action law 15 USC 1697, the representative/agent told me to go to a website and that they have no reconsideration recourse for consumers other than the website. I went to the website address he gave but there is no place to lodge a complaint or ask for reconsideration.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

I went to Wells Fargo Bank today and asked if I could have a copy of my escrow account ledger report from XXXX XXXXXXXX XXXX XXXX set this account up and received funds from the sale of my home. They also paid myself, ex-husband, liens, judgements, mortgage, commissions, and etc. from this account. The bank said I would need Authorization from XXXX XXXXXXXX or a guy by the name of XXXX to get a copy of what I asked for since they are the people that set the account up. Can you please help me to get a copy of these documents since it was my house, my proceeds. 
Thank you
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 XXXX XXXX XXXXXXXX, has violated my rights. 

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 an 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.