davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX  Balance Owed : {$28000.00}
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC (MD)

XXXX and XXXX continues to report an account that should be removed. The XXXX account is too old to report. The account went into default in 2017 making it too old to report. I reached out to XXXX XXXX and requested a copy of the account payment history. They advised that they no longer have this information after an account is paid off.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (FL)

I had initiated a transfer from my XXXX XXXX account utilizing the Wells Fargo linked account transfer option after delays I called and they told me they would cancel and send the money back to XXXX its now been over a week and Wells Fargo is holding my funds and I cant pay my bills.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NV)

I started to get credit to build my credit ; instead, of paying for things with cash is what my exwife suggest I should do. I also noticed that some of the things that I received on credit and paid it off without missing nor short on payments in its timely manner I did not receive points for. But, this one credit that was XXXX that was payed off with in a year that was supposed of been without interest as long as it was paid off within a year but there was interest ; so, I paid it off anyway on XXXX the account was open on XXXX and my credit score dropped after it was paid off by six to nine points. Instead, of it increasing by sixty, ninety points or more. Yes I called Experian after I filed an dispute and said, I dont understand how my score dropped instead of going up when I maintain payments, never late and paid it off in a timely manner. He quate discuss it with a Credit advisor. I told him, it makes no since to discuss it with a credit advisor when the whole idea of getting credit and maintaining it by paying it off in its timely manner is to build credit ; so, why would I want to discuss it with a credit advisor?
Consumer complaint received 2024-07-09
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 (WV)

PayPal unexpectedly permanently restricted my account in 2023. They have responded saying that they do not have to give a reason for this and they do not have to let me remove my credit card and banking information. I have accepted that. However, I have been trying for 16 months to cash out a very small amount of cryptocurrency so that I can be done with this company. In numerous letters from them and responses to my complaint to the state Attorney General 's office, they erroneously have ensured that I am able to cash out my cryptocurrency, but this is not true. I have tried dozens of times following their instructions and it always comes up with a " there is a problem, please contact customer service '' I can not get through to customer service after many many many attempts. I get through the prompts and then get the message " we are experiencing technical difficulties, please try again later '' Then CLICK, it hangs up. They will insist that I have the ability to cash out, but it does not work! They also erroneously claim that they have attempted to call me and left a voicemail message. This is also NOT TRUE. I don't know what else to do because they keep lying and saying it is fixed but it is not.
Consumer complaint received 2024-05-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (NJ)

Good morning, I'm submitting this complaint against Selene Finance as a result of their improper foreclosure actions. I have been under bankruptcy protection for 4 years now, but I was XXXX in XXXX and unable to continue making my mortgage payments. I was also continually told by XXXX that it wasn't a problem and to keep them updated as to what the status of my getting back to work is. 

I've also tried to submit documentation for a loan modification on a number of occasions, only to be told that until I'm back to work full time, no modification would be available or any other relief for that respect. Now that I'm back to work, I was planning on submitting a new modification kit to them, only to be served with a Writ of Possession from our sheriff 's office informing me that my property was sold at auction without my knowledge. 

While New Jersey does have a provision that allows for Optional Foreclosure Process, NONE of the conditions that need to be met were. 

* I have not abandoned my home * I have not signed a Deed in Lieu * There IS equity in my home I'm asking you to demand that Selene postpone the certification of sale and review this complaint. I'm also finding an attorney to assist with the filing of a XXXX XXXX, and requesting this sale be vacated. My intent will be to Cloud on Title unless Selene resolves this matter. Not only is what they've done a RESPA violation, the service and demand to vacate in 2 weeks is also - New Jersey Law instructs that homeowners are given a minimum of 90 days to vacate. Not 3 weeks.

I also submitted the Qualified Written Request for an explanation of what they've done and proof that they did so legally. Selene Finance has CONFIRMED receipt of this letter. 

Thank you in advance for your help with this and I'm available to discuss this matter anytime. 

XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (NJ)

I opened my checking account onXX/XX/XXXX on XXXX XXXX XXXX XXXX branch with the representative XXXX XXXX. 
On the same day that my account was opened my online banking was locked. I sent several emails to the representative without geting any answer and also called customer service but because I dont have the debit card they cant verify me. 
Is a loop that doesnt have a solution. I have a VPN on my phone for security company reasons ( from XXXX ) so maybe thats why was locked.
Consumer complaint received 2024-06-14
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. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-07-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (MN)

I opened two CDs with my bank ( WellsFargo ) in XX/XX/XXXX and again in XX/XX/XXXX. Each was for {$5000.00}, and each had a term of six months. When they matured, the bank rolled them over into four-month CDs that pay a much lower interest rate, even though the bank is advertising rates on the six-month CDs that are little different from the ones I secured when I opened the accounts. So, that's a little sleazy. 

But what really galls me is that they made it so hard to get my money out. They gave me a one-week window to close the new account without penalty, but said I had to show up IN PERSON to do so. I would have sent my spouse with a POA letter, but the banker told me that they would only allow POA letters that were previously approved by the bank 's legal department. They thought of everything. 

So now I have {$10000.00} stuck in Wells Fargo. If I withdraw earIy they charge me XXXX of the interest I would have earned, ( as far as I can remember from the call I had with the bank last week ). 

I remember XXXX years ago how much hot water Wells Fargo got into by incentivizing its employees to open unnecessary accounts for customers, who were then stuck paying fees on these accounts. It sounds like the culture of XXXX XXXX  has not changed there! I'm sure I'm not the only one frustrated by these practices ; it's a really big bank. So please, whatever you guys can do to embarrass or litigate them into better behavior, would be much appreciated! 

XXXX
Consumer complaint received 2024-07-24
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. (TX)

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 2024-07-24
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc. (PA)

I Recieved a letter from a collection agency about an amount of debt of {$4500.00} owed to XXXX XXXX XXXX after seeing the letter i immediately called XXXX and complained about the amount owed and said i have never attended that school. they proceeded to ask me am i sure and i reassured them that i have never EVER attended the school not online or in person for any classes, majors, or certifications. they said they would email me a claim number and i should hear from someone very shortly in regards to the claim. now i have never received a call, email, or letter about the update. XX/XX/year> i seen EASTERN REVENUE INC flagged my account as unpaid/ past due as of XX/XX/year> was added to my credit profile. and today XX/XX/year> i seen that the same debt collection company EASTERN REVENUE INC reported to my credit profile with a collection of {$4500.00}. drastically dropping my score by XXXX points. i immediately called XXXX XXXX XXXX back at XXXX XX/XX/year> and explained to them that they already told me they would open a claim the last time we talked and how i now i a collection reporting for debt i dont even own. their response was ill try to push it through again and you should hear something back in regards to the claim in 2-4 business days i asked for a claim number up front and was told my claim number was # XXXX
Consumer complaint received 2024-07-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC (HI)

This is an illegal loan and they are not licensed in the state of Hawaii to offer loans according to Hawaii Act 056. " which prohibits payday lending and imposes regulations on small-dollar installment loans. Under this law, lenders are prohibited from offering payday loans to consumers in Hawaii. Act 056 establishes clear guidelines and safeguards, such as limiting interest rates and fees, setting loan terms, and requiring lenders to provide clear and accurate loan disclosures '' Tribal lenders can not offer payday loans in Hawaii. The state law applies to all lenders operating within its jurisdiction, regardless of their tribal affiliation.

They violated the Hawaii maximum loan term of 36 months, and the annual interest rate of 36 % Also the maximum finance charge is up to {$35.00} dollars but can not exceed half the original amount borrowed.
Consumer complaint received 2024-07-23
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: SYNCHRONY FINANCIAL (MI)

Syncb/Lowes XXXX XXXX XX/XX/XXXX. Ran my credit without authorization. 
XXXX XXXX XX/XX/XXXX run my credit without authorization. 
Synchorony Financial inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX injury XX/XX/XXXX run my credit without authorization. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX my credit without authorization Syncb/PayPal inquiry XX/XX/XXXX ran my credit without authorization. 

I did not give any of these companies permission to run my credit.
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX # XXXX XXXX  WV XXXX 15 U.SCode $ 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 receiptIt has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - 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 ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relatesNEVER 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 THEFTAs a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (GA)

Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation.

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. 

Debt validation includes the following : Who was the original creditor on this account, and what was the account number? 
What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
Please provide documentation that demonstrates I am legally obligated to pay this debt. 
What was the original date of delinquency for this account? 
Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
What did you pay for this account, and how did you calculate the current amount owed?
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (MI)

This company has not proven a valid contract to which Im a party. They have fraudulently forged and sold my alleged promissory note on the open market, and has made me an unknowing party to a pooling and servicing agreement in which theyve collected proceeds from and have not paid the taxes on and are in violation of 26 U.S. Code 7201. They dont have rights of a holder in due course pursuant to UCC 3-302, therefore their purported obligor is not obliged to pay the instrument since the person seeking enforcement of the instrument does not have rights of a holder in due course. This company is also in violation of public policy attempting to collect a debt not owed pursuant to 31 U.S.C. 3123. This company has apparently written off the debt, but is still continuing their illegal communication and collection efforts. Ive asked this company to verify the debt or cease and desist all communications concerning this matter, pursuant to my rights established under the FCRA.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

I applied for and received my Chase Sapphire Reserve credit card at the beginning of XX/XX/year>. The promotional offer stated that if I made {$4000.00} in purchases within the first 3 months I would receive XXXX in welcome reward points. I have met those requirements and have paid my credit card before the due date. As soon as I met the requirements for the promotional points my account was closed by the bank and no explanation was given.
Consumer complaint received 2024-07-23
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I submitted a fraudulent claim for an transaction that happened on XX/XX/XXXX. This transaction was between my Chase Sapphire XXXX  XXXX and a fraudulent XXXX account under the name of " XXXX XXXX XXXX '' with a cost of {$1100.00}. 

For context, I had provided everything possible documentation to Chase to prove that this is indeed fraudulent. I then had to wait almost two months to get a response back from the Chase Fraudulent department which states that they denied my claim because of the following reason " You received benefits from this transaction ''. I had then called and email them to rectify this because I certainly did not benefit from this transaction because I am the one who lost money and still am to this day. 

I find this extremely disappointing and insulting because I have exhausted every possible way to try to get this money back and so far no one has helped me. And to add injury to the wound, a fraud dept team also falsely claimed that I somehow benefited which is absolutely false. Not only did a fraud department falsely accused its own customer, it used it as an excuse to make the customer liable for the very fraudulent charge that it was suppose to protect from. 

I also find it ridiculous that it took two months from them to respond with such ludicrous response when I myself did a quick XXXX search which lead to clear evidence that this is indeed a fraudulent company and many victims as such myself. There are many victims sounding alarm and even a local news that reported them as scams. I then shared this with Chase but their response was " we can not use information off of XXXX for our claim '' .... 

The last conversation I had with XXXX XXXX is a recorded call. XX/XX/XXXX, XXXX for reference. Many emails and letters I receive are also in the record. 

This conversation with XXXX I find is extremely disappointed because she reassured me that the transaction was valid but on what account? Any one can hack your information let alone a XXXX account that I don't even use and just happen to be linked to my Chase card and denied a true fraudulent claim based on a " valid '' transaction? To me, this is a disgrace in consumer protection and the opposite of what fraud department should've done. The supervisor herself even admitted that she looked up the fraudulent " XXXX '' company and agreed that she saw the evidence on XXXX but said she still can't use it. At this point in time, my only last resort is to hope someone from the CFPB to help me and possibly communicate this to a executive in order to rectify this situation. 

Please help.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I called.XXXX  and explained that some one else information was on my report. The wrong phone number is on the account and I can not access my report. XXXX is compromised and I have identity theft and I asking that all information be removed from my report.