davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXX  XXXX XXXX, XXXX has not only called several times, they have now sent letter via USPS received today, XXXX. I have advised them to cease and desist this is not my debt. However they continue to reach out, trying to steal monies. They claim that the debt is from XX/XX/year>. I have written a letter today to advise them again to cease and desist.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Received notifications of hard credit pull on XX/XX/year> at XXXX pct. Received emails from Capital One about approval for a savorone credit card at XXXX along with additional emails about phone number change and paperless confirmation from Capital One around the same time. I never had a Capital One account before so immediately knew my information was compromised. The emails indicated the credit card was approved for a {$1000.00} limit. I confirmed via XXXX that I indeed received a hard credit pull the same day. I called Capital One around XXXX XX/XX/year> to get more information and was told that there was indeed a credit card approval that matched. They asked for my personal information to submit a fraud claim and I was told that I would receive a response in 60-90 days. I also made accounts on the 3 credit bureaus XXXX, XXXX, and XXXX in order to freeze my credit reports, freezing happened on XX/XX/year> around XXXX. I also called my main bank XXXX to inform them of what happened and they told me that the steps I took were appropriate.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I havent gave XXXX, XXXX or Experian the consent to obtain or furnish my information so under 15 U.S. Code 1681 B : Obligations with respect to disclosures of personal information. Now under 18 U.S Code 1028 A : Aggravated identity theft. This mean XXXX XXXX and Experian are all in violation. Under 15 U.S. Code 6802 : Obligations with respect to disclosures of personal information.
Consumer complaint received 2024-07-12
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: EQUIFAX, INC. (TX)

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 2024-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credits, Incorporated (ID)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX continues reporting a false collection. They are also falsely representing themselves as ATTORNEYS on the credit report with credit bureaus. The disputed amount was paid directly to and on time to electric coop by Title closing company XXXX XXXX at closing on XXXX XX/XX/year> during sell of previously owned property. Numerous attempts to dispute and stop this collection agency from false reporting which has impacted my credit rating have failed.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>, Husband XXXX XXXX and XXXX XXXX XXXX deposited two checks totalling {$3800.00} in his wife 's, XXXX XXXX XXXX  name to into their Chase account at a local Chase branch at XXXXXXXX XXXX XXXX XXXX  TX. These XXXX checks, individually valued at {$2500.00} and {$1300.00} were subsequently placed on deposit hold two weeks later on XX/XX/year>, with no notice or instructions on how to remove the deposit hold. When the husband and wife tried to access these funds after multiple visits to the branch they had deposited the check with and calls to the Chase Deposit review team, they were told that conflicting things from Chase on where the funds had went. They were told that the funds were sent back to their original issuer, when they were still in Chase 's possession with no way to access the funds. They provided the Chase branch with their government-issued IDs, proof of pay-stubs, proof of joint account ownership at another financial institution as requested by the Chase Deposit Review team , but were later told that this would not suffice as sufficient evidence, with no viable recourse on how to retrieve the funds aside from providing a verified phone number of XXXX XXXX, which once XXXX XXXX and XXXX XXXX provided, was unable to be verified by multiple Deposit Review team members .
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This account has been investigated numerous of times through direct dispute with EXPERIAN and XXXX as well as CFPB Complaints ( XXXX, XXXX, and XXXX ) but inaccurate information remains on the account despite the fact that consumer is entitled to a fair and thorough investigation to provide accurate information as required under FCRA. Since this has not happened and has violated consumer 's right to privacy and accurate credit report, consumer demands that the account be deleted from credit report. The inaccurate information is coming from one company, XXXX. Payment history reported by Experian is inaccurate and payment history is totally omitted from XXXX. Moreover, activity dates also conflict between Experian and XXXX and XXXX which is being reported from one company furthermore highlights the inaccuracy issue which violates consumer rights. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NV)

On Friday, XX/XX/XXXX, I deposited a check in the amount of {$66.00} into my account. The funds are being held until the XXXX of XX/XX/XXXX. When I asked on XX/XX/XXXX that funds be verified and release, I was told SoFi was unable to do that, but that the check had been processed so funds would be released on the 20th. I requested to speak with an account manager who said the same thing. They were unable to explain why they could not call and verify other than back end handles that, and they are not customer facing. There was absolutely zero other reasoning.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

On Thursday XX/XX/year> I made a cash deposit into one of their branches ATM of XXXX dollars cash and the ATM screen stated they can not process the transaction and could not return my money! When I called customer service they said it takes 10 business days for the dispute and would not put the money in my account until it was investigated! That is unsat and has never happened to me at any other institution and thats my rent and bill money. This is totally unsatisfactory. Do not use PNC Bank. They will take your money.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

XXXX delivered defective merchandise. They promised PayPal to provide a refund. They did not provide a refund. PayPal promised to resolve the issue by XX/XX/XXXX but did not. XXXXPayPal stole {$79.00} from me.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just looked at my credit report, which made me quite depressed since I discovered items that your agency didn't double check to make sure were accurate, erroneous, and dubious. 

Everything on my credit report needs to be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ), which prohibits reporting that is not entirely accurate. Copies of all the letters are attached below.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (TX)

I received a credit card from Milestone MasterCard by XXXX XXXX XXXX. I never applied for this loan. They automatically charged me XXXX " annual fee ''. I never activated this card. I called them immediately. They said they would fix this issue and delete the account.. It's on my credit reports already... These companies shouldn't be able to do this
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I am of legal age required to obtain an unrestricted financial services account ; that allow a person to send and receive money, money can be withdrawn and a prepaid debit card can be issued for said above account. It is unclear to me how long I held the account before the action was taken. 

Cash-app took an action against my account that was unfavorable for reasons to broad and or ambiguous for me to understand. I contacted them by way of chat and requested to know the specific reason detailed that my account was suspended followed by closed without contacting me, in a timely manner regarding this claim against me, providing me with Due Process Protection under the law. Furthermore, I have contacted them numerous times on different occasions trying to find out exactly the reason for the closing of my account, and wanted them to provide me a reason for not contacting me in advance regarding this said issue that caused the closure.

In addition to the run around whenever I contact them. I believe I am a victim of unfair business practices in which my guaranteed protection under the Constitution of the United States was violated in a way that is malicious and unconstitutional. 
I am again formally requesting the specific reason for the closure and the evidence of me willfully ignoring and violating cashapp policies.
Consumer complaint received 2016-09-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (LA)

My name is XXXX XXXX I live in XXXX XXXX XXXX. I 'm a flood victim in XXXX XXXX, the flood XXXX on XXXX XXXX 2016. On XXXX XXXX I contact my mortgage company Nation Star to inquire about a forebearance program for my mortgage payment. As I explained my situation to a Nation Star agent over the phone, the agent complied that the company does provide services to help disaster victims. As I recorded the entire conversation the agent suggest that he credit my payment that was paid in full on the XXXX of XXXX back into my account. The agent assured me that I would receive NO late fees or penalties. He explained while I recorded the conversation that he would enter a code that would prevent any type of penalties. I recieved the credited payment for XXXX on the XXXX. I received a threatening letter in XXXX stating my payment for XXXX being late and I could be subject for foreclosure procedure if the bill is n't brough up to date. I immediately paid XXXX and XXXX in the sum of XXXX on XXXX XXXX. Nation Star credited my mortgage for XXXX back into my account and explained this is a program they offer. On XXXX XXXX after I paid XXXX mortgages in full Nation Star placed me into the credit burea and insisted that I was XXXX to 59 days late. My score dropped tremendously. I spoke to supervisors on several occasions and ask them to pull their tapes to examined that this company act in a manner to credit XXXX paid mortgage, non of this was my fault. Nation Star recovery team only complied that their agent made a mistake. I want to file charges with this company. I never had a late mortgage payment or penalties, this company have severely hurt my credit and I seek your help to help recover my loss of promises and active credits of my mortgage and the huge drop in my credit. Thank you very much.
Consumer complaint received 2024-05-31
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. (TX)

After Reviewing the credit file copy that you sent I have recognize multiple errors on my personal information So i will like for you to remove everything and update the only thing that should be reporting is My name - XXXX XXXX XXXX My address XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX I wish to opt out of reporting my work place as it is a private company and dont want to be seen.
Consumer complaint received 2023-08-20
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 XXXXXXXX these accounts have violated my rights. These inaccuracies are keeping me from getting a home loan.

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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NV)

I wanted my credit and XXXX score from Experian XXXX ( even though it is included free with my bank account ). I needed to provide my debit card info for a trial subscription. I sent an email to Experian 's customer support email that is provided informing Experian that I do not want to have a subscription and to cancel my account. 
Approximately an hour ago, Experian withdrew about {$25.00} from my bank account for a subscription that I clearly stated to Experian that I did not want I have called my bank and Experian.Experian does not have a customer support and/billing representative to speak with XXXX wasn't able to speak with anyone and Experian 's XXXX options did not describe or entail my charge to my bank.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

XXXX I had discovered I had theft/violanted on my checking-saving accounts.The total amount was XXXX same day I notified Wells Fargo claims XXXX documented claims.The XXXX XXXX advised me to close XXXX Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about XXXX XXXX XXXX told it would be fine. XXXX fraud on my XXXX Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority.I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my XXXX removed I was told that it couldnt be by XXXX and XXXX but they could secure XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request XXXX want proof how am I suppose to provide proof when my identity was stolen. I have contacted the FTC, CFPB, XXXX, XXXX offices, FBI, and local media. I was offered a mediator from WF but havent heard anything.As of XX/XX/year> my funds are still not recovered
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

Chime Bank or the XXXX closed my account without at least a 1 day notice. I have funds coming to that account this week before the holiday. I called Chime and sent emails requesting reasons as to why my account was closed, but no real response. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX.
Consumer complaint received 2019-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

We struggled with making mortgage payments in XXXX and XX/XX/2018. Late payments were due to not receiving Government checks timely. We contacted Wells Fargo for help with temporary forbearance to get us through the wait period. We only needed 30 days relief. Wells Fargo refused to help, told us that there were no options available to us unless we were 90 days late, which causes irreparable damage to homeowner credit report and provides Wells Fargo with acceleration rights to foreclose. As a result, we have two late payments reflected on our credit report even though the payments were caught up in the following months respectively XXXX and XX/XX/2018. These derogatory credit entry 's are preventing us from refinancing or taking a loan to catch up from the government slow down and shut down resulting in the delay in receiving government checks.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (CT)

My account was initially blocked XXXX XXXX apparently as a result of my trying to use an app that did not perform properly. After numerous calls to the bank from XXXX where I am currently residing the account was unblocked so I can at least view my on line accounts. However I still unable to transfer money between the several accounts I have with them. I need to transfer money in order to pay my bills. Note that I have been making these transfers for the past 20 years with no problem. 

There attitude is completely unacceptable. I was bounced from Customer Services, Security ( Fraud ) Department and the Local Branch. The branch was cooperative but ineffective. The other two departments showed no interest in the fact I was out of the country and needed quick resolution to pay my bills. 

They need to review several things : XXXX. Trying to transfer money by XXXX does not work if the XXXX account is registered with another bank. The account registration is for RECEIVING not SENDING.

2. The algorithm for detecting fraud should not lock an account when the problem is repeated tries to use a bank system that doesn't work. ( See XXXX above ) XXXX. There should be a means for customers to identify themselves other than going to the branch. That obviously doesn't work for people out of the country. Fortunately I knew the people at the branch well and with much effort they helped identify me. 

XXXX. Customer Service and Security should better equipped to handle customers out of the country. They should at least appear to care about customers. 

XXXX. " Reviews '' shouldn't take 90 days. A cursory review by a human being would show that the transactions being blocked were routine. I have been making the same transfers every month for the last 20 years, both from the XXXX and from XXXX.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zachter PLLC (MD)

Hello There, I had a XXXX XXXX in XX/XX/XXXX since then I am XXXX. 
I have filed twice regarding this firm abusive and illegal collection practice, and it has been overlooked and closed the file. Now please read and verify my avoidances, I am currently XXXX since XXXX XXXX and out of work living with Long Term XXXX since my XXXX XXXX XXXX XXXX XXXX currently, I have approved from Social Security XXXX to get monthly payment for me and my Kids, Last week I have received the back pay from Social Security for me and my youngest Son XXXX XXXX and I set up a saving account for my Son since I am his Payee ( Collecting his Payments ) in the same bank and put his share to the saving account, within Days this law firm collection agency put stained or hold on this account saying I had a business loan Debit in XXXX, which the Loan amount was {$5000.00} asking for $ XXXX ( ZACHTER PLLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX ) By Law can they garnish our social Security payments? I can't afford to run around and hire Lawyers Please Help us and save our life. 
as I mentioned you above since XXXX my only source of income is XXXX payments. I didn't work I can't even XXXX XXXX because of my XXXX XXXX i had XXXX XXXX  .... 
** Regarding this Firm you can check XXXX XXXX XXXX  XXXX XXXX and other complaints for your reference They are attacking minorities they know we are not resourceful, so this agency is our voice so Me and My family is hoping to get fair Justice and get rid of this matter, Best Regards XXXX XXXX XXXX