davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial (CA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-04-30
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: Paypal Holdings, Inc (MO)

Venmo froze my account for no reason and won't let me get my own money out of my account. They are refusing to let me withdraw my own money and are holding it hostage for no reason. They sent a email on Thursday making things up about me and saying they were going to freeze my account. They never came up with a solution and instead created more problems and sent money back to someone who bought merchandise from me that had lied on me to try to get their money back. Now they just sent me a email today Sunday saying they permanently deactivating my account saying i violated user agreement which i never did.
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CSO Financial (OR)

Received letter stating I will have wages Garnished post marked XX/XX/XXXX. 
XXXX became subject to garnishment on XX/XX/XXXX of XXXX. Original debt is for {$1800.00}. Now is XXXX. 
Oregon statute of limitations is six years and debt collectors should not take person to court to sue to garnish wages.
Consumer complaint received 2024-04-28
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: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit Its my understanding that the credit bureau will investigate this account for me to ensure accuracy here is the account Im asking you to verify as accurate Account name : XXXXXXXX XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX Account number # XXXX
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

XXXX/XXXX XXXX ACCT NO XXXX IS BEING WRONGFULLY AND INACCURATELY REPORTED WITH DAMAGE ON MY XXXX AND EQUIFAX CREDIT FILES.I WOULD LIKE THE ENTIRE ACCOUNT REMOVED DUE TO THE NUMEROUS ERRONEOUS LATE PAYMENTS. 
" XXXX '' ... ... ... ... .... 
OF XXXX XXXX ( AQUIRED BY XXXX XXXX ) HELPED TO DEFRAUD ME WITH ILLEGALLY INACCURATE INFORMATION WHILE ATTEMPTING TO OBTAIN A NEW REFINANCED OR RECAST LOAN FROM XXXX/XXXX. 
XXXX ... ../SPOC AT XXXX XXXX  ,XXXX XXXX XXXX, XXXX, NB XXXX ,XXXX, FAX XXXX, PERSONAL PHONE XXXX WAS MY REP AT XXXX.XXXX TOLD ME THAT IN ORDER TO QUALIFY FOR A LOWER RATE OR LOWER PRINCIPAL THAT I WOULD HAVE TO DEFAULT AS PART OF THE PROCESS. 
I DID AS XXXX INSTRUCTED AND WAS THEN TURNED DOWN TWO TIMES FOR THE LOAN XXXX TOLD ME ABOUT.THIS CAUSED ME TO HAVE TO PAY {$160000.00} TO BRING THE LOAN CURRENT, WHICH I DID FOLLOWING THE SECOND DECLINE.I DIDN'T REALIZE WHAT XXXX WAS INSTRUCTING ME WAS ILLEGAL AND I BELIEVED XXXX AND HIS COMPANY WERE ABOVE BOARD WHICH THEY HAVE PROVED NOT TO BE.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In Accordance with the Fair Credit Reporting Act. The list of addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX, XXXX  XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : has violated my rights. 



15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (TX)

I opened a Apple card account in XX/XX/XXXX with a credit limit of XXXX USD In XX/XX/XXXX I spent XXXX USD using this Apple Cards Credit. I made payments of XXXX USD on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX. The Items that I purchased for XXXX that I initially used this card credit was returned to the Apple card by the merchant because I did not keep the products. These payment caused my credit card to become have a XXXX USD credit available plus XXXX over within the account. I was then notified that credit limit was increased to XXXX USD without applying or agreeing to it. I contacted the Apple Card Specialist to decrease the credit balance back to XXXX USD because I have spent XXXX USD and was charged interest of 24.24 % XXXX on that amount. They said that they could decrease the balance to XXXX USD but I would still owe XXXX USD and that I would continue to be charged interest on the XXXX that I paid to the account that was not borrowed as credit. I disagree that I should be paying interest on that money that XXXX USD and consider that it should be treated or seen if anything as more more of an investment because I am sure that they since used it for investing.I also did not agree to any terms for a percentage of what i would receive for them having possession of this XXXX USD that was in this account. 

The company has now reduced the line of credit to XXXX USD but has refused to remove the balance of XXXX USD that is be regarded as money they are owed payment on with interest. This money is not borrowed money from the line of credit that they initiated and is in fact my own money that was not a part of the contract. They are in violation of the contract agreement.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-27
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. (SC)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with US code 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the Identified transactions are not information related to any transaction by me as a consumer. I have Submitted an identity theft report and put a fraud alert on my credit profile through Experian. XX/XX/2022. Please see attached
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have multiple XXXX XXXX fees from XXXX to present- In XXXX i called to set up -auto pay- Never was it added to my account in the mean time i have {$80.00} in late fees. this has happened before because i requested in the past to be put on auto pay- Capital one keeps charging me late fees when i have asked multiple times to be placed on auto pay. This is a horrible way to make money off of people and i am sure i am not the only one. Customer service placed me on auto pay today an refused to remove late fees because they were removed previously- i said yes because when i called originally that is when the auto pay was supposed to be placed! 
Manager there would not remove my late fees- it's the principle of the matter! literally they're making extra money off of late fees and not setting up the auto pay when originally requested. This is ill-mannered and uncalled for!
Consumer complaint received 2024-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The XXXX XXXX XXXX XXXX  in XXXX, IL charged me for XXXX or XXXX nights when I only stayed XXXX night ( Monday night ). I provided proof that I stayed the rest of the week at the XXXX XXXX XXXX  for a variety of reasons ; the main reason was the rude and crude way I was treated by the night clerk when I checked in, and the manager the next morning when I tried to check out...

They claim I booked through a 3rd party ( XXXX ) which was NOT true. I booked through XXXX XXXX XXXX web site... 
I have disputed charge XXXX in less than the 60 day limit but Capital One refuses to dismiss the charge for XXXX or XXXX nights!!!
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Under the Fair Credit Reporting Act ( FCRA ), accounts that are more than 7 years old and have been closed or charged off should no longer be reported on your credit report. The accounts reported by Bank of America and XXXX XXXX are in violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. The information is reported on XXXX, XXXX, and XXXX and is adversely affecting my credit
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

there was a late payment reported XX/XX/2023 with my XXXX  account which the bureaus are reporting a late but after i fixed it as it was a mistake. XXXX  fixed the late payment status and updated it to current but the bureaus refuse to take my dispute and update my credit report to remove the late payment
Consumer complaint received 2024-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX and XXXX an influx of charges that were done in XXXX XXXX were not flagged by my credit card company, Capital One, for over a month. They were only detected because I saw them on a statement. Upon its discovery I filed several documents to the fraud team and they said it would be up to a 60 day wait. It has now exceeded that time, and when I asked for the 5th time about the reimbursement of the charges, they told me documents had to be sent in again because the account was restricted. Though the restricted account is still taking payments from my bank account, the fraud team says nothing can be done until the account is reinstated. It is my belief that the fraud department is outsourced explaining why I have more access to my account than they do. Interest charges are still being charged every month for the outstanding balance because of the fraud, and no reimbursement has been made. I have expressed to them several times that an XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I bought was purchased on my card on the same day someone bought expensive jewelry in XXXX, so the fraud should be easy to prove for reimbursement. The company has taken no action for over 6 months now. The charges that happened in XXXX are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The company has full access to multiple documents regarding my claim, since I had already filed before they disregarded the claim with no action.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

I am having auto loan with Hyundai motor finance. I have been paying monthly EMI regularly and also paid some extra amount to pay off the loan early. It is also been reflected in monthly statements from Hyundai motor finance. 

But it seems that Hyundai motor finance has not been reporting this to credit reporting bureau ( XXXX, XXXX, XXXX ) since XX/XX/2023. 

This is affecting my credit report and credit history very badly. 

On XX/XX/2023, I have sent credit report, my monthly statements from Hyundai motor finance and letter explaining my situation. I haven't heard anything from them so far. 

Kindly request you to please take action on this at the earliest.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (SC)

I'm having difficulty accepting this issue and it's affecting my ability to XXXX I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, a payment was made into my checking account from XXXX. I do not know who sent the payment, I did not receive any notification about receiving the payment. The person that made the payment then made a fraud dispute. Chase bank froze my account while they conducted an investigation into the fraud claim. 

I have complaints about Chases actions : First, all funds in this account were frozen during the entire duration of the investigation. The payment was for less than {$200.00} but the account with $ XXXX was made complete unavailable. 

Second, Chase did not inform me of the fact that the account was frozen. I only discovered there was a problem when a different company that I sent a payment to contacted me to say the payment failed. Chase did not call, email, or send a letter informing me that my funds were unavailable. Chases online banking app continued to show the full balance of my account as available funds even while the funds were not available to me. The banking app includes notifications, and a message center, but Chase did not use these tools to provide info or a status on the issue. 

Chase personnel on the phone were not helpful, and did not have share any info about how I could help resolve this issue. 

Finally, I only learned that the investigation was complete after I made a phone call and was informed by the agent. Even with the conclusion of the investigation, Chase did not unfreeze the account and make my funds available until I called, and the agent asked permission from a supervisor to release the freeze. 

I made approximately 10 payments in the time between my account was frozen and the first time a third party informed me there was a problem, which was on XXXX XXXX. I was charged late fees and failed check charges, and one utility informed me they will never accept a payment from that account again. 

I visited a retail bank branch on XXXX XXXX to try and find some who could help. The staff at the branch was extremely helpful but unable to successfully fix the issue. One banker was put on hold and then hung up on the the corporate department he contacted. A different banker got someone on the phone to agree to contact me, but Chase never did reach out.
Consumer complaint received 2024-05-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (NJ)

I am currently unable to work due to permanent XXXX in my back. I am currently receiving general assistance from the government. I will, unfortunately, never be able to provide a suitable income to pay this loan in full. This has become painful hardship on my normalcy of life.
Consumer complaint received 2024-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (OH)

Fourth Attempt to file a complaint against Wells Fargo as my lawyer was ghosted. Loan origination in XX/XX/XXXX. 

Wells Fargo only disclosed half of a years worth of property taxes despite the title company specifying every six months in the certification sent to Wells Fargo. Because of this our mortgage has increased {$500.00} per month since loan closing due to escrow analysis. This will continue to increase outside of anyone 's control due to county changes which we were factoring in when buying at the original amount disclosed to us - however, that " cushion '' is lost due to the error of only disclosing six months of property taxes. 

Other items during loan origination that were unlawful/unethical include - Lack of ability to get in contact with my Loan Processor causing Loan Estimate to Expire ( I attempted to get in contact with her several times prior to her attempting to reach out to me ), Unlocking of and increasing of interest rate ( including the addition of .25 % discount point ) that was locked in during first call with the Loan Originator through XX/XX/XXXX ( after closing date of XX/XX/XXXX ). Addition of fees exceeding appropriate tolerance as stated in TRID guidelines- of either that they need to be originally disclosed or a new disclosure needs to be sent within 3 days, however, on XX/XX/XXXX ( on my 7 day Closing Disclosure ) is when an additional fee of {$190.00} was added on my title services.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for this credit card which offers 5 % rewards on all purchases. In the first month I made a purchases totalling a little over {$500.00} which should have earned me {$25.00} in rewards. The balance was paid in full at the end of the statement period and I currently have no outstanding balance. 

However, Capital One put a restriction on my account and after several months I still have not received the {$25.00} in rewards they owe me. If they want to restrict the card to new purchases, that is their choice. However, that doe n't relieve them of their obligation to pay out on the rewards earned while the card was free to use. 

I contacted the issuer multiple times and spoke with multiple agents and they tell me the card is restricted for use but still open. However, they have not made the rewards I earned available to me.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX, Equifax, XXXX have not removed this fraudulent account from my credit report. " XXXX XXXX  XXXX XXXX '' does not belong to me. 

I first reported this account in XXXX of 2022. I have submitted FTC Identity theft report 's on both XXXX & XXXX XXXX  who owns them. 

XXXX is in direct violation of Federal Law 15 U.S Code 1692 ( g ) Fair Debt Collection Practices Act ( FDCPA ) which requires them to validate such debt by providing All of the following : 1. The identity of the original creditor.

2. The amount of the alleged debt.

3. The name and address of the original creditor, if different from the current creditor.

4. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural man ), and XXXX, that proves I agreed to pay the alleged amount. 
5. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset ( s ) used to collateralize the debt.

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act & It is XXXX XXXX obligation to supply the aforementioned materials as requested which they have failed to do time and time again. 

Not only has XXXX not lawfully validated the debt but they have continued to fraudulently collect & report the fraud. 

I am now demanding XXXX to remove this fraudulent account from my report because it is identity theft & does not belong to me, was never lawfully validated, and furnishing this information is now another violation that XXXX, XXXX, and equifax are committing onto me which is continuing to cause me harm.