davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-02-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On Wednesday, XX/XX/2024, an employee at XXXX XXXX in XXXX, MD, double charged me for one meal totaling {$15.00} that was stolen from me. 

When I asked for a refund the employee claimed he had to take a picture of my credit card # and security code with his personal cell phone and text it to his bosses personal cell phone, because my boss is in his office and it could take a while for him to get here. 

When I refused that option for security reasons, the employee took my receipt and contacted the food and beverage manager. When the manager finally came to me, the manager wrote down my email, phone number, and the last 4 of my CC and claimed he would fix the charge and contact me. The manager at XXXX XXXX  never contacted me and my attempts to reach them have continued to be unsuccessful. 

I sent this information to Bank of America and they immediately closed my charge back request due to lack of a receipt showing incorrect charges. When I called Bank of America to ask why my request was closed so quickly they told me it was because the XXXX  company wanted a receipt that XXXX  food vendor didnt provide. This is clearly fraudulent on XXXX  part, and Bank of Americas part in protecting their customers when using credit cards for purchases. This is my first charge back request in 14 years as a customer with Bank of America and Im frustrated by this entire process.
Consumer complaint received 2024-02-18
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)

On Wednesday, XX/XX/XXXX, I received a letter in the mail purporting to be from Capital One. The letter was addressed to my home address with the correct first name but the incorrect last name. The letter said Capital One needed more documentation to complete my credit card application, but I have never applied for a Capital One credit card. 

The letter included a phone number : XXXX. 

It also included a mailing address where I was asked to send my information : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I did not call the number or send anything to the XXXX XXXX listed on the letter. I called Capital One at a customer service number listed on their website : XXXX. The agent confirmed there was no application made using my name or social security number. I also gave her the Application ID number listed in the letter, and she confirmed there was no such application, so the letter I received was fraudulent.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (IL)

XXXX has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc. (LA)

My account has been closed since XXXX of XXXX  but yet I have somehow been accruing numerous late fees the past several months. How is ethical or make sense for a business to be charging you late fees and interest on an account that is not even no longer open? I cant even tell what I originally owed due to the huge amount of late fees. I have no problem paying if I owe an actual balance but I should not have to pay late fees on a closed account. I was not even aware of this until recently due to the credit alerts about late fees added to my report. So instead of helping my credit, you are purposely hurting it by being money hungry and charging fees on account that is not open. Make it make sense. Never in my life has a credit card company done this. If this continues, I will take legal action.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT, and I'm including it again. 
DEPT ED XXXX Balance Owed : {$9100.00}
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX and XXXX XX/XX/XXXX and XXXX. I had direct deposits on avg of {$1000.00} dollars and every week my account occurred overdraft fees. I have spoken to a representative in XXXX of XXXX the problem resolved but since XXXX of XXXX they have consistently re-ordered my debit payment and ACH payments to cause undue overdrafts on my account.
Consumer complaint received 2024-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (PA)

For the past year I have requested for Fay Servicing to close my escrow account and refund me the money they collected. I pay my own property taxes, as stipulated by the original contract for the home equity loan I consented to and signed. 
Fay Servicing has simply ignored me and failed to oblige to the conditions of this loan agreement.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

2 months ago I had my card stolen ( Multiple ) I reported them stolen as soon as i found out ( Within XXXX hours ) and they spent XXXX on my debit card. They want to deny my funds being returned to my account. I had my other credit card stolen along with my iphone. I have provided documentation of the other items being stolen in my possession and they did not review them. I have provided endless evidence and still my bank does not want to help me reclaim my hard earned money.
Consumer complaint received 2023-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2023, I checked my credit report and noticed fraudulent inquiries reporting on my credit report. I have contacted XXXX and Transunion multiple times to get these inquiries removed and nothing was done. 

According to 15 USC 1681 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 2024-02-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (GA)

Good morning, I financed my car through Westlake Financial. I made my last payment on XX/XX/XXXX and was told that the company was going to send me the documents I need to take to the DMV to get the title to my vehicle. I never received the paperwork. I called back XX/XX/XXXX and was told the exact same thing and was told I should have it in 10 days. The document never came. I called back on. XX/XX/XXXX and was told by a customer service representative that he made note of this situation and to call in 3 business days. I made contact with Westlake financial again on XX/XX/XXXX and was told by a customer service representative that they would have to start the process back over. I asked to speak to a supervisor, and he refuse to put me through. He then stated that he would send me an email once he spoke with his supervisor about the situation. I never received an email from them. I reached out again today, XX/XX/XXXX and spoke with XXXX XXXX. I told him about how I was getting the run around and it was not fair to me. I have paid my car off in full and still havent received the proper paperwork. I asked to speak with a supervisor, he put me on hold for 30 mins and then the call was disconnected. After reading all of the reviews on their website, I see now that I am not the only person whos been going through this. 

I called back 15 mins later and spoke with someone by the name of XXXX, she hung up on me when I started explaining why I was calling back. Called right back and spoke with XXXX ( wouldnt provide her last name ) she put me on hold for over 45 mins. Eventually the call was dropped.
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. ()

Company : Mr Cooper Issue : I had an autopay set up for my home mortgage when this company took the loan over ( as usual without my permission or acknowledgement ) from my previous bank. 
Now I can't set up my payment again as the site gives 403 error. I also had NO help from the live chat agents as they keep diverting me. Finally I had one agent charge my XXXX account but I don't see it reflected in the Mr cooper site and still get threaning notifications saying i have to pay a fine. 
I'm appalled at this lack of control i have as a user in this mortage system.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I had a XXXX XXXX credit card open last year when I was under age and I never knew about it. This year ( XX/XX/2024 ) I have dispute it off my credit report and it have been investigated as accurate but it still affecting my credit and I did not open this account
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am XXXX 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, XXXX, Experian, and XXXX.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Consumer complaint received 2024-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NY)

I believe that it is a fraud. The name of the company is phoenix financial XXXX. They called me using the phone number of XXXX with my name and asked for my date of birth for verification. I asked why, and they told me that it was about a medical transportation bill with the correct hospital names, which I did stay in during that time. They said that I still owe them the fees for transportation, and I asked them why since I believe my insurance took care of it. They told me that the insurance paid their balance but I still owe mine. Then, they directed me to a website of www.phoenixfinancialsvcs.com to pay. When I went into the website I was told to click the pay your bill online button. After I clicked it, I was directed to another website of XXXX/phoenixfinancialXXXX Then I was told an account number and to click the continue button after typing in the number. I saw a balance but no corresponding bill. When I asked for the bill, they just hung up.
Consumer complaint received 2024-02-15
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: Mr. Cooper Group Inc. (IL)

I was in an approved forbearance plan in XXXX, prior to, my mortgage was in good standing. My mortgage comp NationStar/Mr Cooper reported to XXXX that I was 180 days late XX/XX/2023, again I was on an approved forbearance. In XX/XX/2023 XXXX paid in full my mortgage delinquency to NationStar/Mr. Cooper. Payment was sent on XXXX XXXX in the amount of {$17000.00} ( I do have documentation from XXXX ) Also, per the Cares Act Law signed XXXX XXXX amending the FCRA, to stop adverse credit reporting during XXXX crisis. 
I can not obtain a loan for home repair until NationStar /Mr.Cooper remove this erroneous error, reflected on my XXXX XXXX XXXX XXXX and XXXX reports dated XX/XX/2023. 
Also, NationStar /Mr.Cooper had a data breach in XX/XX/2023, in which I am continuously contacted via phone with spam robo lender calls from XXXXXXXX XXXX. I receive XXXX junk mail letters from lenders all directly related to the financial breach. Prior to the breach I never received calls/ mail of this type. 
Note ; I filed disputes with all XXXX reporting agencies. Mortgage lender deleted XXXX late from XX/XX/2023 and its now reflected under XXXX XXXX 180 day late.Again, I was in good standing prior to my approved forbearance, moving the delinquency from XXXX XXXX XXXX is proof to me of the unwillingness to accept the XXXX point credit points drop reflected on my credit reports. I have called XXXX as recent as this XXXX  requesting a supervisor, advised I would receive a call back from XXXX XXXX as of this complaint I am still waiting. Thank you. 

XXXX is under the umbrella of NationStar/Mr.Cooper
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCS Financial Services, Inc. (PA)

Credit collection services company constantly calling about so-called past dues from my insurance company -- XXXX from XXXX XXXX Reference file XXXX send the collections debt if any via mail stop threats/harassment stop calling/stop texting settle with my debt consolidation company work with my debt settlement company
Consumer complaint received 2023-12-15
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 2024-02-15
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Alliance One, Inc. (TX)

XXXX never sent me a notice that they were sending me to collections. The only way I found out was after learning from the office manager that this debt collector has been repeatedly calling the office every day when I got back in the office on XX/XX/XXXX XXXX. They were told to stop on XX/XX/XXXX because we honestly thought they were a robocall and they ignored the request and called again today XX/XX/XXXX. I called them from my personal phone and thats when I learned about the debt for the first time. I received no notice in the mail, emails, or phone calls. They just automatically started calling my boss every single day for the past week.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KS)

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NY)

In accordance with the fair credit reporting act this creditor Milestone Creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose. Please remove.