davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

During the XXXX pandemic I was forced to take XXXX, due to health reasons. Knowing I would not have the funds to make the payment, I tried to be proactive and reached out to Capital One to make arrangements. Capital One refused to make arrangements. In XXXX of XXXX, I informed them that as soon as I received my tax return that I could make a huge payment. This would be in an exchange for them refunding the late fee and not reporting me to the credit bureaus. 

Majority of the card was paid off, as promised, and Capital One removed the late fee. However, the non-payment hit my credit report. I called and spoke with someone at Capital One and was told they would submit something to the credit bureaus. That was never corrected on my credit report. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2, which states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan may go late for any purpose.
Consumer complaint received 2024-06-27
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

There is a statement on my credit report that is not true. It states that a debt went into collection. That said debt hasnt been proved correct. And it still needs to go to court in order for it to be a valid statement. As of now, it is not yet proved and alleged therefore, Im asking this company that wasnt even the original creditor to remove it from my consumer report asap.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (DE)

Please review the following information in reference to dispute of my delinquency on my mortgage. On XX/XX/XXXX we processed a payment with XXXXXXXX XXXX  ( XXXX ). This payment was apparently never processed despite them sending us an email that it was processed. Please see attachment .XXXX XXXXXXXX then sold my mortgage to XXXX XXXX XXXX ) I just recently learned since XX/XX/XXXX my mortgage has been late, it was not reported to the credit reporting because it never reached more than thirty days past due. XXXX has not made any attempt to advise us of this delinquency via email or via phone. Their statement reflects a fee but does not provide an explanation of what the fee is. Please see attachment XXXXXXXX XXXX continued. charging late fees until XX/XX/XXXX XXXXThey made no attempt to advise us of the delinquency from XX/XX/XXXX until XX/XX/XXXX XXXXThey have refused to provide proof of any attempts. In XX/XX/XXXX again my mortgage was sold to Round Point ( XXXX ). I still had no knowledge that my mortgage was late at this point. We received an email from Round Point stating that we are no longer to make a payment to XXXX and Round point will begin accepting payments XX/XX/XXXX because of the sale. Please see attachment. My account then hit thirty days past due because of this, even though I had no way to make a payment prior .This is a violation of RESPA This 30 day should not be valid and I want my thirty day delinquency removed off of my credit report .This mortgage delinquency is the fault of XXXX mortgage companies XXXX XXXX for failing to process the payment .XXXX  for failing XXXX attempt any collection efforts and Roundpoint for failing to be available to process payments in a timely manner. I believe all of them are committing a UDAAP violations as result. I am asking for all credit reporting to be updated as well as all fees reversed and applied to the mortgage due to this gross negligence. In addition I want XXXX to be required to notify of mortgage delinquency by mail for all customers.
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC (IN)

Account number XXXX Western funding Car loan XXXX XXXX XXXX The car transmission went out within months of me having the car ( LEMON ), after putting down XXXX at the car dealership The car dealership relocated ( unknown location ) so I had to do a voluntary repossession I spoke with several representatives during that process in XXXX The derogatory mark on my consumer credit reports has caused alot of strain as well as this account being sold to a collection agency even after o explained what happened I also was paying insurance thru XXXX along with the monthly car note No one from Western Funding will assist me or give my down payment back which is owed according to consumer law
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have continued to try to have Experian delete the inaccurate information that the companies are reporting. This has to be the fourth round of letters and some of the information remains unchanged. Charge offs are listed as open and carrying balances. XXXX XXXX are listed as open and I never had verification of the debts that are appearing. I downloaded a dispute software that helped me on this fourth round in three years.
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OH)

This company has discriminated against me, manipulated me, baited me, falsely accused me of a federal crime to an official government website when the crime was provably not committed, forced me to commit actions within my account so they could suspend my account because of an undisclosed vendetta they have against me or some sort of bias they have against me. They refuse to explain themselves, keep blaming their system and wont assume fault. I am attaching a thorough file that includes proof of : - my identity - bank statement - card ownership- their baiting, lies and manipulation - false accusation of a federal crime - review of prior correspondence and negation of their claims - personal statements and complaints - review of their acceptable use policy and checklist of my not infringing upon it - proof of identity theft This is a XXXX page document. Read everything. You owe me at least that much after all the emotional turmoil youve put me through. And if an American, decision-making employee could call me, instead of a computer or foreigner relentlessly copying and pasting or telling me the same thing over and over again, this would be dealt with a WHOLE LOT QUICKER. My number is XXXX. Ill be awaiting your response and I wont stop until you give me a satisfactory explanation.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-10
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: AMERICAN EXPRESS COMPANY (OH)

XX/XX/year> American Express upgraded my card to a Hilton Honors Surpass Card without my consent. The cost of the Surpass Card is {$150.00} annually. I have been an AX cardholder for numerous years and have never paid an annual fee. AX never mailed me anything throughout my dispute with the company displaying any form that was signed by me that I agreed to this membership upgrade. I am attaching the necessary documentation revealing the dispute process which started formally XX/XX/year>. One wants to pay especially close attention to the fees of {$29.00} and {$40.00} which progress higher as the process unfolds. I am also contesting the late fees which continually are added as Im not paying a fraudulent bill. I contest I owe AX XXXX dollars. Also, the company does not act on a human level but by rude Ai interactions which are one-sided and go nowhere. My last payment to AX was {$100.00} for legitimate purchases. I just received another bill, and the current charges are up to {$260.00}. I also filed a complaint with XXXX, but AX ignored it. AX also ignores the Annual Electronics Fund Transfer Disclosure. The company has never sent me a document on a yearly basis and does not respond to suspected errors.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (NJ)

We maintained a money market account at PNC with a balance over {$1.00} XXXX and decided to close the account primarily because of poor customer service over the years. I went in to the PNC branch ( XXXX NJ ) and met with a XXXX regarding closing the account. During the conversation with the XXXX I asked how much interest I would be receiving. The XXXX replied that since the closing was off cycle I would lose the interest. I told him that I did not want to lose over {$800.00} of interest and that I would wait until XX/XX/XXXX to close the account. He said that he had already initiated the closing ( I had not known this ). He asked if I wanted to reverse the closure and I replied yes. He then called his management and sought to reverse the closure. His management apparently replied that they couldn't technically reverse the closure but that he would escalate the interest issue and there was no reason for PNC to deny the payment of the interest. The next day, the " escalations '' person contacted me and told me the escalation was denied and interest of over {$800.00} was forfeited. At no point before the closure did I actually know that the account had been closed prior to discussion of the interest issue. At no point did the XXXX raise the interest issue until I raised it myself. The bank 's argument of course is that the account agreement which is multi page tiny type and " signed '' many years ago states that off cycle interest is forfeited. This is a contract of adhesion and PNC should not be permitted to hide behind it. The rep should have ( i ) himself mentioned the interest issue prior to closing and ( ii ) not initiated closure until the issue was discussed after I raised it. This is a significant amount of money that PNC should not be permitted to take from a customer. Does PNC not have an account closing checklist and process that deals with this issue, and through which the interest issue is discussed or does PNC just take the position that they will take a windfall from customers? Does PNC train their reps to mention the issue or do they train their reps NOT to mention the issue. In any case, I raised the interest issue BEFORE I was aware that the account had been closed and PNC should have either reversed the account closure or credited the interest. Any other result is a travesty and essentially a theft of my money.
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, at the Wells Fargo branch in XXXX XXXX ( XXXX XXXX ), I wanted to transfer money from my account to another account. I was subjected to XXXX harassment by one of the employees, XXXX XXXX, who told me that she couldn't process my transaction and that I should go to another employee. Her behavior towards me changed the moment she saw that my name was " XXXX. '' I believe her refusal to provide me with service was based on XXXXXXXX XXXX  and my XXXX XXXXXXXX. Subsequently, another employee, assigned by branch manager XXXX XXXX, completed my transaction. I want to complaint since it is obvious that Wells Fargo considers a customer 's XXXX, XXXX, and XXXX when providing service.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (HI)

i dont regularly check my credit report. last week XXXX or XXXX of XX/XX/year> upon checking my credit report from XXXX XXXX they say that there is a missed payment from Barclay 's Bank Delaware. I learned that somebody opened an credit line with that company under my infos.
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC (AZ)

Applied for and received load for roof replacement in XX/XX/XXXX. Made regular monthly payments on time. Got laid off job in XX/XX/XXXX. In XX/XX/XXXX, I entered into a debt consolidation agreement with XXXX XXXX XXXX. Since that time, Best Egg has been receiving payments as established within the XXXX repayment schedule. I want the delinquent account notifications to stop.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MD)

I Called XX/XX/XXXX Self Financial asked them to send me a Signed Contract stating I gave them Permission to Share my Account information with Anybody this Violates 15 U.S.C. ( 1681 ) sec. 604 also States a consumer reporting agency can not furnish an account without written consent 15 United States Code 602 Right to Privacy XXXX Self Financial XXXX Please Remove this Account Immediately as this is a Violation
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (LA)

During the month of XX/XX/year>, I attempted to go online & pull my credit report. With all 3 credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, in order to submit additional information to verify my identity. Upon receipt of my credit reports, I noticed accounts that were not my accounts. I never opened these accounts or gave permission to have these accounts opened. I also noted inaccuracies with the spelling of my name & previous addresses. 

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/scrub>XXXX
Consumer complaint received 2024-08-21
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. (AL)

To Whom It May Concern : Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting XXXX XXXX  correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

To whom it XXXX concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

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 2024-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

My mother was being charged every month for a service she never needed, after 5 years we received a letter stating that her account was being charged a monthly fee, we received a letter stating that the check hadn't been cashed yet, however she never received the check. The amount was XXXX so I contacted Wells Fargo and they said they were going to reissue the check again, however never received the check still been waiting
Consumer complaint received 2023-07-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NV)

I have tried 7 times to send {$2200.00} to my wife who lost her wallet in XXXX XXXX 4 days ago now. 
I have uploaded my Drivers license, I have talked on the phone for at least 3 hours in total, I was told the money would be available. 8 times I tried it never was available. The stress you have caused myself and my wife with your terrible service is incalculable. 
I wish to complain to the highest degree of these false promises and absolutely amateurish service. I demand an explanation, I demand an apology, I also demand an apology for my wife. I am not going to let this rest you have caused unnecessary stress to my family and it is totally unacceptable. 
This is the worst experience I have ever had in my life, you are totally out of your debt to provide a service, you should not promise a service you can not provide. 
I will not rest till I can cause some damage to western Union, I will pay for the most expensive media blitz to tell the whole world what a terrible service you provide.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc (TX)

I'm contacting you regarding a critical issue with my credit report. I've noticed a collection entry from your agency that I wasn't previously aware of. I have significant concerns about the validity of this claimed debt. Under the Fair Debt Collection Practices Act, I'm exercising my right to request debt validation. Please provide the necessary validation and take steps to resolve this matter.
Consumer complaint received 2024-06-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

my credit limit was {$250.00}, as of today my balance is {$1400.00}, of which {$1100.00} is late fees. i have been trying for over a year to get some kind of explanation why the account does NOT show delinquent but is clearly over the limit. for over a year i have been calling and every rep. has told me that it is not behind, even the supervisor has told me there is a mistake but she could not help. my credit has been affected because of this fraud and incorrect billing.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

I currently do not have any overdraft feature with my account however im constantly finding my checking account balance in the negatives. Any transaction I complete must have available funds present for it to go thru. I feel Like Im being hit with overdrafts that cant be explained to me. Ive proven that i had An available balance for each transaction yet no one can explain why my account is overdrawn. Its seeming to only happen on the day that scheduled to get paid each week via direct deposit. This bank is stealing money from me in small increments today XX/XX/XXXX My account was overdrawn by {$20.00} I wake up on XX/XX/XXXX to my account now being overdrawn by {$60.00} NO EXPLANATION i also Transferred money from XXXX XXXX  to Chase to cover transactions that Chase is reflecting to have been paid out and caused overdraft