davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (FL)

Got a mattress from mattress firm 2 years ago through synchrony bank and somehow after 2 years of paying on time every month my balance was only {$40.00} lower than the original. So I inquired about this and was told I had to pay it off in a certain amount of time or get charged {$400.00} plus back interest. This was not told to me upfront. So I said yea I'm done with that. Now they call multiple times a day and on Sundays.
Consumer complaint received 2018-03-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANCO POPULAR DE PUERTO RICO (PR)

Banco Popular de Puerto Rico is reporting as adverse an account from XXXX as a Real State Mortgage debt in my credit report with delinquency of 120 days in XXXX to XXXX. 
1. The original creditor was XXXX and was not a Real State Mortgage.

2. They both creditor are ignoring my right to verify the debt and sending me one to the other. 
3. It's a time-barried debt.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CO)

I applied for the Wells Fargo Active Cash card on XX/XX/XXXX. My application was denied immediately after. I contacted the bank and they said a letter would be sent indicating why the application was denied. 

I received the letter today and none of the reasons apply to me. 

Wells Fargo penalizes potential customers for paying off their credit card balance before the end of the billing cycle. 

Wells Fargo said I did not have enough " old accounts ''. This is not true and can be verified on my credit report such an active, in good standing card opened in XXXX for XXXX. I also have another card that was opened in XXXX. 

Wells Fargo said my loan and balance ratio was too high, which again did not make sense since I pay everything off.
Consumer complaint received 2024-05-24
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. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several account that is reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the company related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. Please update the account : XXXX XXXX
Consumer complaint received 2023-08-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYST Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX XXXX - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-26
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc (MS)

Hunter warfield is a predatory lender for the XXXX XXXX  XXXX in XXXX, Mississippi. I have half a dozen people that can give character statements and completely testify in a court of law that they witnessed their property manager. Cutting the locks off of my door for no reason going in my house, harassing my mother, that is XXXX, threatening to have my children taken away, all with my rip being current and paid. She was a XXXX XXXX XXXX XXXX XXXX XXXX ashamed to be called a human or woman and never once notified me of damages or court and never have been able to provide proof of their allegations but because they have the ability they lie to the federal government and hinder and ruin all persons lives they are able to.
Consumer complaint received 2024-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (GA)

In XXXX, XXXX increased my wifi bill without your consent or prior notice. After informing a representative that I no longer wished to continue services, they continued to charge me and mentioned that my bill would reduce upon returning the equipment. 

On XX/XX/year>, I physically returned the equipment to XXXX 's store location in XXXX, GA, on XXXX XXXX, and received a confirmation receipt for the return. They credited my account with {$150.00} as a balance adjustment for returning the equipment. 

However, even after this credit was applied, I received a notification on XX/XX/year> stating that I had an account balance of {$150.00}, which had been sent to collections due to non-returned equipment. Upon contacting XXXX, a representative acknowledged the error on their end and mentioned that they would create a case to resolve the issue. 

Unfortunately, this situation has caused setbacks to my future plans. Additionally, when I paid the remaining balance for their service, XXXX took the payment and applied it towards the collection amount, which was unauthorized.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Adjustment Company Incorporated (SC)

In accordance with the Fair Credit Reporting Act, Consumer Adjustment Company/Consumer Adjustment Co acct XXXX XXXX has violated my consumer rights. I know I am protected by the FCRA as a consumer. I did not give Consumer Adjustment Company my written permission or instructions to furnish this negative account on my consumer report. I have requested documentary proofs of my written consent given to Consumer Adjustment Company and no other company. 15 US Code 1681 section 602 A states that I have the right to privacy. 15 US Code 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account without my written permission or instructions. PLEASE SEE ATTACHED****
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (KS)

I had a security freeze on my credit reports on XX/XX/XXXX I unlocked it to get credit from a company called XXXX  when I opened my XXXX  account I noticed a collection from a company called Consumer Adjustment states they are the original creditor that it was opened XX/XX/year> for XXXX a collection last reported XX/XX/year> I have never done business with this company.
Consumer complaint received 2023-08-26
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: Resurgent Capital Services L.P. (CA)

I have repeatedly told these companies, the account have fraudulent activity and Im a victim of identity theft and accounts and charges arent mine 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc (IL)

In XXXX, a federal government-backed debt security was used to acquire a {$2500.00} line of credit for the trust estate in discussion. Without the consideration of the trust estate, PAYPAL HOLDINGS INC. presumed equitable interest, initiating a breach of fiduciary duties since the federal public security number owned by the Social Security Administration, a United States federal agency, was used to regulate the account. Through the oversight of material facts, PAYPAL HOLDINGS INC. has neglected their official capacity, committing the offense of embezzlement of federal funds, initiating damages.

A Notice of Rescission of Equitable Rights was sent to PAYPAL HOLDINGS INCXXXX with no response as of yet. XXXX XXXX XXXX XXXX 's omission of material facts has caused them to devise a scheme to defraud, using the United States Postal Service for the purpose of executing this scheme.
Consumer complaint received 2024-06-25
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: CCF Intermediate Holdings LLC (VA)

I was trying to purchase a house and noticed i had damages on my credit report and according to 15 US c 1681 law there should not be any damage to my report this is defamation of charater
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

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 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XXXX XXXX, XXXX Nationstar Mortgage is refusing to give details as to some XXXX of unspecified charges that were added to our Mortgage. Our mortgage Balance is XXXX now when our first Mortgage note was XXXX 10 years ago. We were never more than 3 months behind on our mortgage thus there could never be XXXX in deferred interest. We realized the seriousness of the issue when we contacted Nationstar for a refinance and were told that there is a specified second mortgage on the house and that they could not refinance us, nor could anyone else. We do not have a second mortgage, we make XXXX payment. 

Sequence of events : XXXX XXXX : We had contacted Nationstar for some account research with an official XXXX request. They assigned a number XXXX. 

Representative XXXX XXXX in XXXX Tx began to investigate the issue and could not explain what the charges were except to say that they were added during a government sponsored making home affordable modification. 

On XXXX XXXX, XXXX she confirmed Nationstar does not have the actual details of the charges and that they were reaching out to the mortgage owner. I have attache said correspondence. 

XXXX XXXX stopped talking to us and everyone else can no longer see the case. XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX were all involved in or first mortgage origination and modification, yet they all seem to have thrown out all the evidence. 

We ask that the CFPB give XXXX XXXX a deadline to accurately detail the charges that build up our balance higher than our original note. This can not be called " deferred principle '' because we did not originate this amount. They need to describe each line item as a fee, penalty or differed interest and back up with the proper paperwork. If not done in a timely fashion, we ask CFPB assist in removal of this fraudulent amount. 

Thank you
Consumer complaint received 2023-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

I was called from Wells Fargo number that matches the phone number on my card on XXXX and they proceeded to ask me about some out of normal purchases that were suspicious That was used from a XXXX and a tablet in XXXX Ca and of course I said no They sent me a text that was identical to Wells Fargo to identify and to provide the number to identify the account. They put me on hold and then came back and asked me if I knew XXXX XXXX and I said No and before I could even catch it they wired transfers the money. I tried to stop the wire but wasnt able This is definitely an inside Wells Fargo scam. I called at XXXX XXXX on XXXX to alert Wells Fargo and file a fraud claim I was a victim of wire fraud and wells Fargo is to blame for not catching the wire I called the next morning to try to have them reversed and Im waiting
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I made a purchase from a scamming company " flight club '' online on XX/XX/year> This company mailed me already worn returned shoes so same day I returned them. They refused to give me a refund as they are scammers and practice theft. 

I disputed the charge on my XXXX XXXX XXXX, of course all their people are in other country and cant be bothered with customer service. I do not have the merchandise it was returned I have the shipping receipt.

Capital one is assisting in theft for this fraudulent company steeling by not reviewing the FACT of the case I will be filing a civil suit for the fraud.
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PR)

I live in XXXX XXXX. After devastation caused by hurricane Maria All mortgage companies helped us With programs in which we didnt have to pay our hoises until XX/XX/XXXX. Loancare assigned a representative to work my case and she put me in that program. After we spoke in XX/XX/XXXX this representative has never answered any call again. I spoke to a second representative who said the first one did nothing and then the second one entered me into that program. Now in XX/XX/XXXX I need to pay my house and that representative blocked my account, so no payments are accepted. Im calling them to continue paying my house and the representative working my case never answers. Ive called more than 10 times this month, somebody answers. As soon as this person that answers enters my loan account they say a specific representative is assigned to my loan ( the lady I spoke with back in XX/XX/XXXX ). Then they ask me to wait until they can transfer me to her, but she is NEVER available to respond. Then they say I will leave a message for her to call you. Next step, I received a call from LoanCares number, but when I answer there is nobody on the line. It seems that on purpose this representative is calling me ( to have a proof that she called me ) but not speaking, just to have evidence that she dialed my number. This has been happenning for a complete month and even Ive reported this person, nobody is able to make her attend my case or allow me to pay my house. To me it seems like a plan to take my house from me. Please help!
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have made a number of attempts to contact and resolve my issues with Equifax and they keep telling me the same thing over and over and nothing is actually being done. I have a total of 10+ hard inquiries that are wrong! They promised to remove and still more added, There are Laws in place for this and they have not followed one. I am also finding out that my Equifax account is one of many in the Equifax Breach Settlement.
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

I took out XXXX from my home branch, XXXX, in XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX as advised from the Chase bank located in XXXX XXXX california as a way to deposit XXXX funds into my husband, XXXX XXXX, account at chase bank . On XX/XX/XXXX I deposited the money order into my husbands count in person with XXXX. Both my husband and I signed the back of the money order and provided our government issue ID in the form of a passport and drivers licence. We were not told or warned that the money could be withheld from us and we have on receipt that the funds would be available by XX/XX/XXXX. He has since had his account frozen and told that they will withhold the funds for up to two years and then give to the state if they can not verify the money order. I have called their fraud department line several times and spoke to the agents of the names XXXX, XXXX, and XXXX. XXXX told us he did not see why our funds would be held and requested the account to be unfroze, the request was later denied. The only form of releasing funds they have offered is proving a US phone number that exists in their data base. I have an American phone number with the bill in my name I provided, and that was not accepted. My XXXX  bank  offered to reach out and verify me, which chase bank also denied. I went in person to two chase branches to try and verify myself and that was also denied. I am seeking help to have my funds released as I have tried every method possible to verify the funds with no progress
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (NY)

I had a XXXX $ limit, paid it off in full for an apple Goldman Sachs credit card. The payment was pending for about XXXX weeks, during which time I had claim rights with my bank to get it refunded for bad behavior by the credit card company. About XXXX days after the XXXX payment posted, and I lost those dispute rights, they lowered my credit limit from XXXX to XXXX, without any prior notification, or any explanation as to why they waited exactly until I lost my dispute rights to make this change. Now, I can not use the credit limit to increase my credit score. I found this behavior very predatory. Finally I got a call from a Manager who told me to contact my bank to file a dispute, knowing full well they had waited out my dispute rights before pulling the rug out from under me. Now I could have used that money to pay off another credit card to gain credit score, or used it for myself, but instead they have commuted what I consider to be an incredibly scummy and dishonest act toward me.
Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PR)

we tried make to an arragment with the financing company because we are loose income the property has devaluated by appraisel and the company do make any think for refinance thed loan. We are XXXX by ssa and my wife too.The payment of the property is too espencive an d we do not pay for that reason.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MA)

On Wednesday, XX/XX/XXXX I made a payment in full of almost {$6300.00} dollars. Normally payments clear within a day, two at most, but this time Venmo, managed by Synchrony Bank has not clear my available balance even after 3 days. I called them today to find out why and the reason I was given is because apparently there's an invisible 'threshold ' of {$2500.00} dollars that are counted together with purchases or payments and any amount over that is on hold for 7 days! Ridiculous. They already took my cash from my checking account and are holding it somewhere instead of applying it to my available balance. They should pay me interest for holding my money this long. They also refused to provide written documentation regarding this 'threshold ' which does not show anywhere. If this is indeed the case, as some representatives refuse to do their jobs, then they must be investigated for doing anything outside of the law. Anyone holding another person 's money needs to pay them interest while doing so. Other Venmo/Synchrony users beware!