davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2024-02-16
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: JPMORGAN CHASE & CO. (VA)

I disputed 4 transactions months ago with the bank as I never received the packages. I reached out to all merchants with no response or either them refusing to refund or replace my orders. Therefore I contacted the bank to dispute the charges. The bank called themselves 'investigating ' although the only info they asked from me was the few questions they asked to file the dispute. They never reached out to me for any additional information and closed all disputes with the response of saying the charges were valid. The reason for the disputes was not to question whether the charges were valid. I made the purchases but never received the items I paid for and the bank refused to do anything for me and just closed the disputes because they were lazy. The transactions in question were At XXXX XX/XX/2023 {$610.00} XXXX XX/XX/2023 {$290.00} XXXX XXXXXX/XX/2023 {$230.00} XXXX XXXX XX/XX/2023 {$170.00}
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX XXXX  I was informed by my attorneys office that a case involving the wrongful death of my mother had settled and I would be receiving my settlement payments shortly within a few days on XX/XX/ I received my first two payments to my personal bank account however the remaining funds were transferred to a different bank account on XXXX XXXX XXXX XXXX XXXX in the amount of {$74000.00} which this bank account does not belong to me after my email was hacked into and that person then sent their bank information which was a Bank of America account and unbeknownst to my attorney that this was not me they transferred the remaining of my settlement payment to a Bank of America account belonging to a XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Bank of America allowed this transfer to go into this persons account without even verifying the name of who it belonged to as the transfer was in my name which is not the name on this account belonging to XXXX XXXX. The bank should have rejected the deposit instead they credited my money to this persons account without my permission or knowledge up until recently I have all the necessary documentation proving this was my transfer and that it went to the wrong account
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

I pulled a copy of my consumer report and noticed some items I would like to dispute. The last complaint was closed and I am requesting the method of verification that XXXX used to verify these items per 15 U.S. Code 1681i ( 7 ) as is my right to request under the Fair Credit Reporting Act.
Consumer complaint received 2024-06-03
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Amsher Collection Services, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. They also sold a debt and my information to another company according to the FCRA law 605 B they cant report nothing on my credit report without my consent. I also noticed that my information was sold which is illegal especially without my consent.
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My debit card was used multiple times with XXXX XXXX. Close to 20 unauthorized transactions with different amounts totaling {$8100.00} in fraud. Not one of these transactions were flagged and it was until I finally received a fraud alert that I called in and submitted a claim. I never done business with this merchant. Citizens bank has not been helpful in providing me provisional credit. They drained my checking account at the end of the month and now Im behind with my landlord and other creditors
Consumer complaint received 2018-06-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (PA)

I recently checked my credit reports and saw that Ally is reporting that i was 30 days late in XXXX on XXXX and XXXX, but on XXXX it shows i was 30 days late in XXXX. I dont recall ever being late at all.I disputed the inaccurate information with all 3 credit bureaus and they are still reporting the mismatching information to the bureaus.
Consumer complaint received 2024-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (AR)

Evidently there have been multiple foreclosures on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Wells Fargo says one occurred on XX/XX/year>. The one I received an overage check for on XX/XX/year> occurred on XX/XX/year>. I had an FHA mortgage and was given notice to secure s modification.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to lodge a formal complaint against PayPal regarding an issue that has adversely affected my financial obligations and credit standing. For the past several months, I have been using PayPal to successfully complete my monthly XXXX XXXX  payments to XXXX XXXX, each in the amount of {$1300.00}. This method of payment has been consistent and without incident for XXXX months, demonstrating a reliable transaction history and sufficient funds for each payment. 

However, on XX/XX/2024, after receiving my work deposit, I attempted to make my regular payment to XXXX XXXX through PayPal. Unexpectedly, PayPal blocked this transaction. Despite my account having sufficient funds to cover the payment, PayPal has not provided a clear explanation for this action nor resolved the issue promptly. As of XX/XX/2024, the payment remains blocked, resulting in my account being overdue and potentially subjecting me to late fees and negative impacts on my credit score. 

I have attempted to resolve this issue directly with PayPal 's customer service without success. The lack of resolution and communication from PayPal has left me in a precarious financial position, unfairly penalizing me for a situation beyond my control. 

In light of this, I am seeking the following resolutions : An immediate investigation into why the payment to XXXX XXXX was unjustifiably blocked. 
Swift resolution of this block, allowing my payment to process without further delay. 
Assurance that such an issue will not recur in the future, along with any compensation for late fees or financial inconveniences incurred as a result of this incident. 
Enclosed are copies of my transaction history with XXXX XXXX, demonstrating my consistent payment record, and any correspondence with PayPal regarding this issue. I have omitted personal information for security reasons but am willing to provide these details upon request. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist me in resolving this issue promptly and fairly. Please do not hesitate to contact me for further information or additional documentation.
Consumer complaint received 2024-06-02
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc. (CA)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. I demand that this company removes my account ( XXXX ) from all three credit reporting agencies due to the violations : XXXX. XXXX XXXX - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Consumer complaint received 2018-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (TN)

XX/XX/2016 the amount of the Debt is XXXX. Talk to a woman 1 time and told her that my insurance paid for that. Even the lady at the office said my insurance was taking care of that. If I would have known that my insurance wasnt going to take care of it I wouldnt have never went through with the process.
Consumer complaint received 2024-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NM)

On XX/XX/XXXX I received my direct deposit from XXXX in my Venmo account that I had made and completed the identification verification and everything else required to open the account. The same day I received my first payment of XXXX immediately Venmo suspended my account and will not allow me to access the money unless I give them a bank statement on which the money came from. The fact that it was direct deposit from the state of New Mexico workforce XXXX XXXX prevents me from providing a statement. So now Venmo has completely froze my account and will not allow me to close my account or access my money it is now XX/XX/XXXX.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: AXOS FINANCIAL, INC. (MI)

Axos bank account was closed on XX/XX/XXXX and all of the money removed from the account. 
There was an old recurring automatic transfer order to transfer money from my other account to Axos bank once a month. On XX/XX/XXXX after the account was already closed Axos bank initiated this transfer. I received a confirmation email that Axos bank received the funds on XX/XX/XXXX. I sent a message to Axos bank on their portal asking that the money be returned ASAP. I then called Axos bank on XXXX and spoke to a representative who said the funds will be rejected as the account is closed and electronically sent back to my other bank. I have not been able to log into the Axos bank account again since that time because of " scheduled maintenance ''. I called Axos bank XX/XX/XXXX and they said that they sent me a message in the app on XXXX ( which i can't long into and which they can see that i can not log into ) stating that they mailed a cashier 's check with the money to the home address on file. This is the wrong address. They did not verify the information with me and this is not the information i was originally told. They also did not provide any tracking information for the check. So essentially Axos bank initiated a transfer that should never have happened from a closed account and then sent the money by mail to an address that I no longer live at without verifying the information with me. I think this is unacceptable because the account was CLOSED already. They can not assume that the address in a CLOSED account is up to date.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/year> I opened a checking account with Wells Fargo. I signed up with a {$320.00} promotion that required me to receive to my account {$1000.00} via payroll direct deposit within 90 days. On XX/XX/year> I had received a total of XXXX via direct deposit. I waited the 90 day and a 30 day post period and still have not received my {$320.00} account bonus. 

Within 90 calendar days of account opening ( the " qualification period '' ), receive a total of {$1000.00} or more in qualifying electronic deposits to your new checking account. 
A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is ( 1 ) a direct deposit made through the Automated Clearing House ( ACH ) network, ( 2 ) an instant payment processed through the RTP network ( real-time payment system ) or FedNowSM Service , or ( 3 ) an electronic credit from a third party service that facilitates payments to your debit card using the Visa or Mastercard network ( e.g. an Original Credit Transaction ). Transfers from one account to another, mobile deposits, XXXX, or deposits made at a branch or ATM are not considered a qualifying electronic deposit. 
An ACH direct deposit made available early with XXXX XXXX XXXX does not count toward the bonus requirements until it posts to your account and is no longer pending ( e.g. the pay date scheduled by your payor ). 

Bonus Payment : Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days.

The new checking account must remain open throughout the 90-day qualification period and at the time we attempt to deposit any earned bonus payment. Please note that an account with a XXXX balance may be closed by us without prior notice, as further described in the Deposit Account Agreement. 
You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2024-06-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (FL)

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (PA)

I am XXXX XXXX, and Im submitting this complaint myself 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. There are inaccuracies that existed on my credit report. This account was already been removed by the other bureaus because of its inaccuracies and a charge-off account should have a balance of XXXX, not {$2200.00}. Also, the date last reported on the credit report is inaccurate or outdated ( XX/XX/year> ). This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2024-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

I had a balance of {$300.00} in Cash app. I had my bank ( XXXX ) linked to my Cash app account. On XX/XX/XXXX I initiated an " instant transfer '' from the Cash App to the XXXX account. The money never arrived. According to XXXX there is no record of any transaction whatsoever. I asked Cash App support to check into where the money went. They concluded the transfer completed with no errors and there were no problems on their end. They closed the investigation. XXXX continues to tell me there is no such transaction for XX/XX/XXXX. I removed my XXXX bank link from Cash App and then tried to restore it, thinking that might fix this issue. I get a message saying " XXXX to Cash App links are not supported '' so apparently there are known issues between the two. I can not re-establish a link, which may be why my money is in limbo and hasn't come back
Consumer complaint received 2024-02-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (MN)

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 We are selling our house in XXXX  to qualified veteran buyers who are assuming the loan. We started this process in XXXX of 2023. Our buyers had submitted all necessary documentation to XXXX XXXX Mortgage for the loan. They signed the closing disclosures on XX/XX/XXXX and we were set to close before the initial closing date of XX/XX/XXXX. Over the holidays, we consistently called and spoke with people at XXXX regularly and they assured us that they understood that we needed to close in XXXX because we are buying a house in XXXX. On XX/XX/XXXX our title company had still not received any more information, so I called XXXX and they said that our loan had been sold. I said, " we are supposed to close today, what do you mean it has been sold? '' They couldn't give us any information because the new loan was not pulling up in their system until XX/XX/XXXX. We moved into the home we are purchasing in XXXX with a short term rental agreement from XX/XX/XXXX through XX/XX/XXXX. Our sellers in XXXX were kind enough to extend our rental through the end of XXXX so that we could close on the home in XXXX. I called and called XXXX and they never had any updates for us, they just said that they would put in a ticket to call us back. That never happened. I have filed XXXX complaints with the XXXX and XXXX replied that they understood that we needed to close in XXXX. It is now XX/XX/XXXX and if we do not close on the home in XXXX and the home in XXXX  in XXXX, there will be two veteran families with children ( XXXX is XXXX XXXX ) who will be homeless. This is a very severe emergency and we are unable to reach anyone at XXXX who will help us. Apparently this happened to thousands of veteran families who were in the assumption process when XXXX sold the loans without allowing the assumptions to go through before changing the servicer to Mr. Cooper. 

I have called and emailed XXXX XXXX at Mr. Cooper multiple times and have never received a reply or a call back. I have requested that the VP call me every single day this week and there has been no call to me from Mr. Cooper to give us our closing date. 

We are about to be homeless because XXXX transferred our loan to Mr. Cooper when the assumption was already supposed to be completed in XXXX of 2023.