davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FEDChex Recovery, LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Who It May Concern, Regarding Invoice # XXXX Cease & Desist : Please do not contact me in any form of communication In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer-reporting agency can not furnish 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 the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 
This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. 
Respectfully submitted, XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

For three years we have made numerous requests for monthly mortgage statements in order to keep track of our account. It seems only right to have this information so we can verify that Nationstar, our loan Servicer is treating us fairly and equitably but they have never complied. A few days ago our fear of being a victim of a mortgage servicing fiasco has materialized when we received an Annual Escrow Account Disclosure Statement showing a escrow reserve shortage of {$5100.00} from our loan servicer. Immediately after receiving the aforementioned disclosure, my wife placed a call to Nationstar and spoke to XXXX, a customer service agent and asked why Nationstar is claiming we have a escrow account shortage. XXXX was unable to answer the question so my wife then asked her for a record of our complete payment history since Nationstar took over the servicing of our account three years ago. XXXX was kind enough to e-mail us a computer printout of our payment history which is attached to this complaint. 
Inexplicably, the printout does not include a running balance for our escrow impounds however, it does show the running declining principal balance which is significantly skewed in Nationstar 's favor due to their not having applied a substantial portion of the payments they received from us to the principal balance and or escrow impound despite the payments amounts being confirmed the in the attached Nationstar Loan History Transaction Report. 
Upon review, this printout clearly and unambiguously reveals that Nationstar has systematically received our payments but has not credited our account in the monthly amount of {$240.00} which we have made in addition to our regular monthly payment for the last three years. Instead they have labeled these payments as " PMT-MISC '' and given no indication whatsoever as to the disposition of where the funds went. 
Additionally, Nationstar has not credited to our account the full amount of our regular monthly mortgage payments we have made in the amount of XXXX each and every month since XX/XX/2014. Instead, Nationstar is crediting us only {$2700.00} calling it a " MISC ADJUSTMENT '' which is a shortage of {$110.00} that was not credited to my account every single month since XX/XX/2014. Effectively, between the two regular monthly payments we make to Nationstar they have shorted us {$360.00} every single month for the last three years totaling {$13000.00} that has not been applied to my mortgage account.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Im a victim of identity theft I have been trying to correct inaccurate information on my credit file for the past two years. This my second attempt to correct these errors. Im aware that according to FCRA 611 ( 5 ) ( a ) that if the consumer states after the 15 day reinvestigation that an item of information is inaccurate it must be promptly removed or corrected. Im demanding that these agencies correct my credit file.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (MD)

All three credit bureaus are in violation of 15 US CODE 1681 N XXXX placed XXXX unauthorized credit inquiries on my credit report. 
Experian placed XXXX unauthorized credit inquires on my credit report. 
XXXX placed XXXX unauthorized credit inquiries on my credit report. 

Affidavits of truth were mailed on XX/XX/2023, pending response.
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

Nationstar mortgage has incorrectly calculated my correct payment for the coming year I received an escrow analysis dated XXXX/XXXX/16 that incorrectly estimated my payment On that analysis it shows the following : & gt ; After the loan was transferred to Nationstar, the starting escrow balance was {$2900.00} & gt ; In XXXX two payments for Borrower Paid MI were made One for {$170.00} and another for {$1900.00} & gt ; There was an estimated Borrower MI Payment shown projected to be made in XXXX and included in the analysis of {$2100.00}. 
& gt ; It was incorrect and should not have been included in the estimate and that Payment was never made. Further evidence of the error is that the Escrow Analysis from XXXX showed that the anticipated balance in the account would be a NEGATIVE ( {$1200.00} ) & gt ; The fact is that the account is Positive {$2000.00} or so ... shows that the second borrower MI payment was n't made. 
& gt ; Point in fact, there is no need for that payment to be made twice in one year .... 
As a result my payment has increased {$170.00} due to Nationstar mismanaging my account. I have lived in the home now for 10 plus years, the loan has changed hands a few times with no changes or problems like this. My home insurance has gone down XXXX and the property taxes have remained the same. After initiating this concern to Nationstar Mortgage back in XXXX, there has been no resolution to date despite many calls to customer service. 
There contact Information for complaints is as follows : XXXXXXXXXXXX thank you for your time in this matter. you can reach me via email at this address or cell phone at XXXX
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-22
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: Chime Financial Inc (CA)

Money is being held with out my permission. Causing me to have pain and suffering for me and my daughter. Horrible customer service and rude employees lie about the policy and does not follow it. I am having a horrible experience with chime and it needs to be resolved.
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (CA)

At the beginning of XXXX I lost my job. I immediately applied for the forbearance program with my mortgage company Wells Fargo. During the intake call I was asked if this was COVID related. I said no because I thought they were asking if I had COVID and that is why I lost my job. I was enrolled in their forbearance program ( non-Covid- Cares Act ). I remained continuously in the forbearance program until Wells Fargo until they sold my mortgage to XXXX XXXX in XXXX. Once the mortgage was transferred Wells Fargo reported my mortgage as 90 days delinquent. This reduced my credit score from XXXX to XXXX. I immediately contacted Wells Fargo executive office. They conducted an investigation and concluded that the delinquent credit reporting was correct because my forbearance didnt fall under the Cares Act. Then I contacted my attorney and explained the situation. He explained to me that my forbearance was covered under the Cares Act since my job loss was related to Covid due to a loss of business which was related to Covid which in turn eliminated my position. Then I contacted Wells Fargo executive office with this new information. They started another investigation and concluded that the delinquent credit reporting was accurate since I didnt initially claim the job loss was due to Covid. 
Due to my lack of understanding of the initial question regarding Covid during a traumatic and stressful time in my life, I would like my forbearance program reclassified under the Cares Act Forbearance program and the negative credit reporting about the account being 90 days delinquent removed from all of the credit bureaus As a side note my VA XXXX was increased to 100 % in XXXX. In XXXX I was able to bring my mortgage completely up to date and it continues to be up to date. I have stellar credit never missing any kind of payment.
Consumer complaint received 2023-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CO)

Ive had a PayPal account for over 25 years. On XX/XX/2023, my friend sent me {$1100.00} to my PayPal account to pay for travel expenses. After the money arrived in my PayPal account, I tried to transfer it to my bank account. On my end PayPal said everything is good. I got confirmation email, etc. 
On XX/XX/XXXX, XXXX days after the money hit my bank account, PayPal took XXXX cents out of my bank account to verify my bank account. No problem. I thought it was strange they did this because they take money out of my bank account when I pay people using PayPal. Then they deposited the {$1100.00} into my bank account, took the money back telling me my bank account wasnt valid. This is impossible! They verified my account on XX/XX/XXXX, taking XXXX cents out of my bank account and then told me my bank account had been disabled. PayPal disabled my bank account so they could keep my money in their interest-bearing account longer. 
On XX/XX/2023, I called PayPal. Calling them is extremely hard from another country. They are only open Monday Friday XXXX. I am in XXXX traveling. Finally, I talked to a supervisor. She told me that my bank account had been disabled by PayPal and that she was able to reinstate my bank account. She could not give me a reason for my account to be frozen. I tried again to transfer my money out of PayPal into my bank account. The E-mail said everything was a go, and once again PayPal disabled my account, keeping the money at PayPal. They had my money for over a month! I want my interest! 
Now, I must pay someone from the PayPal account, and I was able to transfer money to someone else. But I have {$30.00} in the account that XXXX cant move. How much money is PayPal making by lying about disabled accounts? This is a total scam. PayPal needs to be under investigation. When trying to transfer money they only give you choices that benefit PayPal. Like using their credit cards or your PayPal account. 
Their app and web site make it hard to understand which button to click to transfer money out. Im a computer person and there is no way for someone who is older and cant understand computers to know which button to click where. They dont give you options to use your PayPal balance, instead they want you to use their PayPal credit card, so they make money on the interest. Which they are promoting like crazy. THIS IS A SCAM! Test this out yourself. They dont give you options to transfer money out, but rather use their credit card. 
You can not talk to a live person unless youre in their time zone and then you get a foreign person who has no authority to do anything. Id like to sue PayPal for the grief theyve caused me while visiting another country.
Consumer complaint received 2023-07-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CBK, Inc. (KS)

I filed my taxes and was expecting a small refund. Instead I XXXX  letter in the mail from the state of Kansas stating that I owed a debt to a collection agency and they submitted it to the state for collection. I have no idea what this debt is for but they are telling me I owe the city of XXXX or a court here money and that is what the debt is. I asked them to send me the debt information and they have not done so after a week. The state is holding my refund and has notified IRS to withhold my refund as well. On the state set off website it states that I have be notified and an attempt at collecting the debt on 3 separate occasions before the collection company can request that a tax refund set off takes place. I have never gotten anything from these people about this debt. This debt collector got my information such as address, social security number, etc from the state when they did the set off request. I have not had an opportunity to 1. Know what the debt is. 2. Dispute the debt if it is or is not valid. 3. Be notified prior to the set off that they were going to seize my money. I have emailed the state set off program and they said it will take 45 days to investigate and until then, I can do nothing about it. I need that refund. I am out of work. Here is the website to the state set off program. XXXX XXXX XXXXXXXX The debt collector is XXXX and their phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (CA)

This complaint is my follow-up to my previous complaint that is disputing some items that came about to be fraudulent. This complaint is to notify you to block the following items : 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 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 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 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 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
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is my follow-up to my previous complaint that is disputing some items that came about to be fraudulent. This complaint is to notify you to block the following items : 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 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 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 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 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
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OR)

PNC Bank is refusing to let me have access to my Social Security funds. They have, with no notice to me of any kind, XXXX my debit card, and my only avenue of communication is there 'Customer Service ' phone number. Myself and my partner spent over 8 hours on hold over 2 days. The times that they picked up, the call the call was dropped, they hung up on us more than once, and they thing they could tell me was that I need to go the nearest branch, which is in another state, at least XXXX miles away. When I asked to talk to their legal department, inasmuchas they are violating numerous Federal Laws, they refused to give me contact information. I cant pay my over-due rent, utilities or buy food. This has so exacerbated my XXXX that I had cancel a XXXX scheduled for this morning. 

This bank, which i shall rid myself of, has history of maleficence as regards my account. Obviously I need funds dispersed to me, but I njeed to know why are they singling me out?
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Chase issued me two credit cards one in the name of United Airlines Mileage card and other Marriott XXXX  point Rewards cards. They actually lured me into signing these cards for me by spending thousands of dollars in XXXX months in return gave me bonus miles and reward point. I made initially big purchases with these cards and have been paying off regularly once monthly statement generated. I never delayed my monthly payments. Now suddenly ON XXXX they canceled both my credit with total credit line of {$29000.00}. Myself being senior citizen worked hard all my life and now I also have to refinance my reverse mortgage where I could get big credit line like $ XXXX but unfortunately because of their sudden closure for none of my fault I can not refinance because my credit score will drop down as well I am unable use these credit cards to earn more miles and bonus points.To me it looks they have no business ethics and have been very harsh to me. The only reason they told me that many years back I have stopped their credit cards like British Airways, Amazon and Marriott cards but if that was their concern why did not they stop when luring to these XXXX cards. 
Thanks and best regards. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone XXXX and XXXX
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MD)

On XX/XX/2021 we booked 4 rooms at the XXXX XXXX XXXX using our Barclays card. Our scheduled stay was from XX/XX/2021 to XX/XX/2021. Due to XXXX XXXX we stayed only one night in 3 rooms. Prior to arriving I cancelled the 4th room on XX/XX/2021. We cancelled the remaining nights on XX/XX/2021 morning. Our family was trying to get a XXXX test but was unable to so we travel back home to be tested. The hotel was fully aware and we were advice we would receive a call from the manager. We never received a call back after several calls. We informed XXXX and disputed the additional nights. Upon receiving our bill we had additional charges we never agreed upon. We disputed with XXXX and the denied our claim stating we agree with all charges. Was advised to write a letter which I did. Sent via fax and postal services. Called to check status in XX/XX/2021. Was advised received and still reviewing. Reviewing old statements and realized today this was never fully resolved. 
Charges on XX/XX/2021 {$700.00}, on XX/XX/2021 {$710.00}, on XX/XX/2021 {$40.00} ( dont know what this charge is for ).