davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION (GA)

Debt Validation Request Truist Bank Account XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 

For my debt validation methods these are the things I would require from you. I would require the following information : In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods.

To validate this debt, I require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt. 

XXXX. XXXX XXXX : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action. 

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency. 

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company. 

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days. 

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (FL)

On Friday, XX/XX/22. This was around XXXXAfter trying online at Barclay 's XXXXXXXX XXXX XXXXXXXX for assistance over my payment for XXXX, which was due on the XXXX of XXXX ; There we're conflicting new amount of. XXXX cents for interest charges, yet my total balance for XXXX were only {$33.00}. I was now owing. XXXX cents, on between the XXXX to the XXXX a new charge of {$29.00} was added on as late charges also. After speaking to a live person, whose name I still can't pronounce, nor spell, except it sound like a character from " XXXX '' from TV. Now last night a new charge of {$65.00} plus.
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (CA)

Date : XX/XX/year> Company : IQ International Name : XXXX XXXX I received a call from this company regarding a debt I was not mailed about. The man I spoke to initially was trying all he could to see if there were some sort of way for me to have more time to pay off my debt or at lest work towards paying it. He told me he'd try to get someone who could help me, but I was unfortunate enough to be picked up by XXXX XXXX. I made it clear to her that I was in no position to pay and was unsure of options, but she got extremely rude with me and even insisted that I was showing carelessness. She insulted my intentions and intelligence, stating that " If I say I'm a millionaire, that doesn't mean I'm a millionaire ''. She put words in my mouth when she insisted that I " have no intention of paying this '', and insisted that I would never be able to rent again or buy a home due to this blemish on my credit. A blemish that I would've been able to alleviate, albeit slowly, had I been made aware of it preemptively. 
The number I was contacted at was ( XXXX ) XXXX @ XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (ID)

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), the law specifically states that reports which only contain information about direct transactions or experiences between myself and the company making the report should not be classified as " consumer reports. '' In other words, details about my payments or account activities with these accounts are not supposed to be included in the credit report that is shared with third parties. Why are they being reported?
Consumer complaint received 2022-12-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

The collector needs to prove that this debt is accurate with records of the debt, that this debt can survive collection that they own this debt, and the extent to which they can collect. Without it, it must be removed. The accounts are XXXX XXXX, MIDLAND CRED XXXX - the collection amount is {$1600.00}, The original creditor is XXXX XXXX XXXX and I do not have an account with this bank. This is not my obligation
Consumer complaint received 2024-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (GA)

I have repeatedly ask this company not to phone me at my place of employment. I have written, faxed, and verbally made the request on multiple occasions. The company continues to call my job to check on a payment when in fact my account has been coded not to call my job. I am in danger of losing my job due to the calls. The supervisor has advised they are aware of the do not call my job option and dont know why the employees continue to phone me at work.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, US Dept of Ed/XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX Account # XXXX, 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 consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HILLTOP HOLDINGS, INC (TX)

XX/XX/2022 I called Highland Homes. The sales rep informed me about XXXX XXXX. Seen the property and talked to XXXX XXXX. XXXX told me the next step was to talk to the loan office. So, I spoke to the loan officer, applied, and uploaded all my documents. 

XX/XX/2022 I spoke to the loan officer that morning. Due to miscommunication about the rate and incentives, I drove XXXX minutes back to XXXX to talk to the salesperson ( XXXX ). I was told the final numbers would be available by the end of the day Saturday. Unfortunately, I never received the final numbers to purchase XXXX XXXX. Nor did I receive the application, sales contract, the amount of earnest money, and how and when to pay the earnest money. In addition, I also reached out to the builder and requested to work with another salesperson. 

XX/XX/2022 I spoke to another sales associate who informed me that the earnest deposit was {$5000.00} and I should receive the final numbers by the end of the day. 

XX/XX/2022 I received an email from XXXX telling me the property had sold. This was the only time XXXX responded to any of my emails. According to the internet, this house is now pending sale. I spoke to the Division Manager, XXXX XXXX. I informed her of what had happened to me. She told me she would investigate it and get back to me ASAP. 

XX/XX/2022 XXXX called me back and asked about my experience. But unfortunately, she did not provide any clarification as to what happened. So, I contacted the new salesperson to inquire about XXXX XXXX XXXX. XXXX sent the buyer sheet. 

XX/XX/2022 I sent XXXX back to the buyer sheet and asked several questions. 
XX/XX/2022 I received an email from the loan officer informing me that the XXXX XXXX rate had expired. 
XX/XX/2022 I still havent received a response to my concerns. 

I firmly believe there were deliberate actions taken and a refusal to sell me the house at XXXX XXXX. 
If I had been adequately informed and received the information to pay the earnest money and sign the sales contract before XX/XX/2022, the purchase price would have been $ XXXX with a XXXX XXXX rate. Now, I am looking at another house that is $ XXXX with a XXXX XXXX rate. The projected monthly price is {$800.00} higher. 
XXXX retaliated against me after reaching out to corporate and asking for another sales rep. I would like to understand why Highland Homes refused to sell me the house at XXXX XXXX and why they are refusing to sell me the house at XXXX XXXX. 

Below are the questions I asked but never received an answer to. 
- What is the usual process for buying a house from Highland? 
- When did XXXX XXXX go under contract? 
- When did the person buying XXXX XXXX see the house, apply, obtain a pre-approval, and pay the earnest money? 
- Why did Highland Homes have me reach out to the loan officer, obtain a pre-approval if their intention was never to sell me the house on XXXX XXXX?
Consumer complaint received 2024-08-27
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 ()

On XX/XX/ 2020, I received an email from PayPal requesting additional information about my account ( Ref ID XXXX ). I provided the necessary documents as instructed. However, on XX/XX/ 2020, I was informed that my account had been permanently limited due to potential risks associated with it ( Ref ID XXXX ). 

I have always adhered to PayPal 's guidelines and conducted my transactions responsibly, with no fraudulent activities involved. The permanent limitation of my account appears to be an unjustified action, and I strongly believe it was influenced by discrimination based on my nationality as a XXXX 

This limitation has had a significant negative impact on my financial situation, as I relied on this account to receive payments and salary. Despite providing all requested documents, my attempts to resolve this issue have been unsuccessful. I am fully willing to provide the requested documents again to rectify the situation.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

This starts XX/XX/2022 and its still a ongoing situation I am still have problems with them. When I first made the account I accidentally lied and said I was XXXX program because I thought they wouldnt check and I was just having that bank account to just save my money in there. I didnt think they was going to lock me out of MY account So they they told me to send proof that I was in XXXX  and I found a paper online and sent that to them but that was only to get my funds out the account and have my money back I didnt think they was actually going to be a problem I told them I didnt want to do business with them anymore! But I sent in my ID, my social security card, my birth certificate they think Im fraud I told them IM ME just give me my money. They locked my account because I was cash apping my brother {$10.00} here and {$8.00} here over petty money like its my money they see where my money came from which is my school I just dont understand its been a 4 month situation and they still giving me a hard time they still send me letters of house much money I got in the bank but they act like they dont want to close it 2 ) I have {$2000.00} that I can not access my school sent those funds to me through my financial aid where I am taking a loan out that I will have to pay in a long run.

Just please help me I even told them my mother passed I couldnt even pay for funeral cost I went through a hardship, loss of income, definition of Character. Just please help me!!! Im begging you
Consumer complaint received 2022-11-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (NY)

I would love to remind my mortgage payment because Im exiting my heart I dont have a job I lost my vehicle on yours and mine jump also because I need love XXXX tomorrow again is that Friday cans that walk where are you going to call for the mortgage did you want to listen to XXXX did forget opinion because I dont have any money from my wallet right now mine boiler is not working in my bathroom is not working phases of my wallet forget you dont want to listen to XXXX XXXX I said I want to do it its in my first time please
Consumer complaint received 2022-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

I believe its XXXX of this year, I want to purchase a XXXX XXXX online from this company call XXXX. Unfortunately I had cancel the order. I never received my XXXX a couple of days later Affirm is asking me to pay them back for the loan that I got from them, I called them several occasions that I cancel the XXXX never receive the order and they still want me to pay for it. I dont think its my fault that they want to head and paid for XXXX before it was confirm delivery or not or cancellation or not I dont have the XXXX from them I never received that order because I canceled it.
Consumer complaint received 2024-08-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home American Mortgage Corp (AZ)

I am applying for a home mortgage and the lender informed me that I had two 30 day late payments on my mortgage in XX/XX/2023 and XX/XX/2023 with XXXX XXXX XXXX by XXXX Mortgage XXXX 

As you can see by the supporting documentation, my XX/XX/2023 payment was made electronically on XX/XX/2023. Home XXXX servicing XXXX the appropriate amount of the payment {$3000.00} and then for some reason, refunded it back to my account on XX/XX/2023. On XX/XX/2023, they reprocessed the payment for {$2900.00}. No information was provided to me during that time by the mortgage company. 

My XXXX, XXXX payment was also processed and cleared on XX/XX/2023 for the required payment of {$3000.00}, I'm also enclosing my XXXX, XXXX  statement to show that the contractual payment of {$3000.00} was processed on XX/XX/2023. If there were any late charges, I would have been assessed a late fee, increasing the amount of my contractual payment. You can see that there are no late fees, ever reflecting on my payments to the mortgage company. XXXX, XXXX is also included for additional reference. 

All mortgage payments cleared my account well before the XXXX of each month.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (UT)

Subject : Complaint Regarding Missing Refunds Wells Fargo XXXX XXXX Dear Sir/Madam, I am writing to formally file a complaint regarding a serious issue involving both Wells Fargo Bank and XXXX. The issue concerns multiple refunds that were processed by XXXX but have not been credited to my closed Wells Fargo account. 

Background : On XX/XX/XXXX, XXXX processed several refunds to my Wells Fargo account ending in XXXX, which had been closed since XX/XX/XXXX. I promptly informed XXXX about the closed account. Despite this, XXXX confirmed that the refunds were processed and provided me with the following reference numbers : - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX I contacted Wells Fargo and provided them with these reference numbers to locate the refunds. However, Wells Fargo has repeatedly stated that they have not received any funds related to these transactions. 

Details of the Transactions : - Total Amount Refunded : {$200.00} ( 7 transactions of {$29.00} each ) - Date of Refunds : XX/XX/XXXX - Wells Fargo Account Number ( now closed ) : Ending in XXXX - XXXX  Reference Numbers : Listed above Request for Assistance : I am requesting that the Consumer Financial Protection Bureau investigate this matter, as I have been unable to recover these funds despite following all recommended steps. I believe that Wells Fargo and XXXX are responsible for ensuring that the funds are properly accounted for and returned to me. 

In the message from XXXX, they indicated that if Wells Fargo is still unable to locate the refunds, I should provide them with a document from Wells Fargo on their official letterhead confirming this. I have requested this from Wells Fargo but have not received a satisfactory response. 

It's been one month trying to get my refund. I would appreciate your assistance in recovering these funds and resolving the issue. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-08-23
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 (NY)

I have received two gift cards valued at USD {$100.00} each as gifts. 

I have tried to work things out with merchants online, tried to utilize it in store and it did not work at all! 

In fact, when I use it online and it got declined, there was a transaction fee of {$0.00} that was charged each time I have called customer service at the merchants and they have attempted to work out the matter with me, even advise the platform like XXXX which they use to process payment ; to no avail did it work. 

I have checked the card online and see the balance are available and active to use. 

I have called American Express Customer service and they told me only select store accepts the card and made poor excuse saying its because these store did not require security measure and/or because this is anonymous card and require informationwhat? 

They just said try at other stores and i rather not lose faith and continue deduct my balance because of the lack of its capability to function as its supposed to! 

If necessary I can provide the two cards I have information and show its active
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

On XXXX I received an over draft fee there were numerous over draft fees in the amount of XXXX Just received continued over draft fees was very disappointed contacted the bank to let them know I never purchased the said items and still received fees because it over drafted my account
Consumer complaint received 2024-08-26
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 (NJ)

I've had a PayPal account since XXXX of 2022. I have always used this account strictly for online gambling. It is legal in my state ( New Jersey ). I keep a detailed log of my transactions- and PayPal was an advised payment and withdrawal method at virtually every single casino I played at. 

It was to my surprise when I woke up to an e-mail last week from PayPal stating my account was limited. I have not committed any act against their terms- they provided no specific reason for the limitation and will not restore the account or let me use their services. 

I feel as though this is an unfair action by PayPal. The casinos do not offer many methods to deposit, and PayPal is to most consistent for making deposits. I have no idea why they would offer their service on sites if they planned to ban or restrict your account for using it. There was no illegal transactions or restricted transactions on the account. This really complicates my online play at these online casinos - to no fault of my own. I am very upset about this result - and I figured the next best step was to report to the CFPB. This is all very baffling and impacts my hobbies and some extra income. 

Please help me restore my account as I did not break any terms or laws at both PayPal and at the state level.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

There has been an ongoing investigation with my bank ; Ally the fraud bank. I told Ally bank that I got scammed and hacked. I was scammed by this fake XXXXXXXX XXXX XXXX XXXX XXXX pop up. This happened back in XXXX, they told me they couldn't recall the funds because they were no funds in the account. Now today I called them this morning around XXXX, asking what is the status on the account. XXXX from the fraud dept told me that they were only able to retrieve {$600.00} from the fraudster as of yesterday XX/XX/year> and now they're working on closing the account. So where did the fraudster get {$600.00} from? all of a sudden and how were they able to get that money so quickly, right after I made my complaint. It's clear that they have some type of connection with the fraudster and they have been working together against me. They had to tell the fraudster to give me back some of the money in order to get me to XXXX XXXX  These people are liars and I don't trust anything that they say. It's all a hoax to steal from me. I want all my money back not some. I believe they have my money somewhere and is withholding it from me out of spite. This is unacceptable!!! I entrusted these people with my hard earned money and this is how they repay. XXXX I refuse to do business with such a fraudulent bank.