davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLUMBIA BANKING SYSTEM, INC. (CA)

Subject : Follow-Up Complaint Regarding Privacy Concerns and Unresolved Issues ( Complaint ID : XXXX ) To Whom It May Concern, I am filing this follow-up complaint in reference to my original complaint, ID XXXX, which specifically addressed privacy concerns related to XXXX XXXX. I am deeply concerned that my initial complaint was closed without properly ensuring that the issues I raised were fully investigated and resolved. 

As stated in my original complaint, I have serious concerns about the unauthorized use of my personal information, including my Social Security number, by XXXX XXXX a company with which I have never conducted business. The Consumer Financial Protection Bureau closed my complaint without verifying whether these privacy concerns were addressed. 

Additionally, after reviewing the attached document from XXXX XXXX I now have further concerns. The document merely states an amount owed but provides no itemization or breakdown of how this debt was incurred. It fails to explain the origin or nature of the debt, leaving me without any clarity as to the legitimacy of this claim. 

I am requesting a thorough investigation into both my original privacy concerns and the lack of transparency regarding the debt mentioned in the document. I also request that the CFPB ensure that XXXX XXXX provides a detailed, itemized explanation of the debt they claim is owed. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure my concerns are appropriately addressed this time. 

Sincerely,
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (AZ)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2021-03-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MA)

I have an auto loan with Wells Fargo. At the end of 2020, I had a returned payment for insufficient funds which I promptly paid and brought the account current. The last couple statements of this account indicate that I have no missed payments or delinquencies. Two weeks ago, Wells Fargo reported me as 30 days delinquent. I promptly contacted them to correct the erroneous information and they have so far not corrected the issue on my credit report which has caused a 70 point reduction in my credit score and a reclassification of my credit worthiness.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SinglePoint GI (VA)

XXXX File Number XXXX Date Issued : XX/XX/2024 Investigation : VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 

I have disputed General Revenue Corporation collection agency on my XXXX credit report. I do not have an account with this company and XXXX continue to verify the information to be accurate without proper verification of this account. I have requested a verification letter from XXXX XXXX XXXX with my name, address, account number, payment history, signed agreement and I have yet to receive this information while the credit bureau failed to follow federal laws of FCRA and 15 USC 1681.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TN)

XX/XX/year> I was involved in accident, causing complete and total loss of my XXXX XXXX XXXX In XXXX, IL. I had full coverage insurance + GAP Insurance. My gap coverage completed its payment BEFORE my next payment was due to Santander Finance Co. 

Gap Claim Docs Contract # XXXX XXXX XXXX paid Gross Amount : {$15000.00} Claim # : XXXX percent XX/XX/year> {$19000.00} original financed amount I have filed, on at least XXXX occasions, credit disputes because they reported me late in my last XXXX  days of paying them in full, that I was {$1.00} short. I have tried to get another car through a carlot and they have denied me for a loan again including other financers. Why report me late for {$1.00}. This is beyond egregious and has caused me great hardship. I just had a baby, make more money now than I have in the past, and cant purchase a vehicle from a reputable lot and this is XXXX of the main reasons why. I have also been working on my credit and want the late payment removed.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (MO)

My name is XXXX XXXX Born XX/XX/year> in XXXX XXXX. My address is XXXX XXXX XXXX XXXXXXXX XXXX I live for the past XXXX XXXX recently move to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, lvnv funding llc, mare been putting Collections on my name I reported them serval time thats the wrong birth date but they keep ignoring my letter no response to non of them has responded they put a wrong address as well that I do not live not recognized. That cause me to get places and finances stable due to they errors that caused me a lot. I have my passport to prove it.
Consumer complaint received 2023-10-25
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. (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.

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

I was shocked when I reviewed my credit report and found 30 days late payment on the date XXXX 2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX, Experian, & XXXX continue to report information that is incorrect. The account listed as XXXX XXXX Account # XXXX has late payments and other information within the account is different from each consumer agency this means this account has not been properly verified or investigations into my previous disputes. Neither consumer agency has access to my private transactions history if they did this would be a violation of my right to privacy and then you could be held civilly liable for damages. Account Rating is different, Creditor Remarks are incorrect, Last Payment, Creditor Type. This account could not have been properly handled due to these inconsistencies.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

The problem started when I called XXXX XXXX to close the account after I paid them in full. The call dropped while I was talking to the customer service rep. The Rep didnt follow through and close the account as Requested. When they started calling me about the past due, I sent them proof of payment, however they said a charge of {$10.00} came through after the payment. I told them the account was to supposed to be closed, why do wasn't the charge not declined. They said the account wasnt closed, I wasnt going to argue, I offered to pay the {$10.00} to close the account and be done with it. However, XXXX chose to be greedy and wanted the interest and late charges and I said no. So they wrote it off and sold it to this collection agency. The collection agency has nothing in writing or verbal that I owe them anything. Thank you for you time.
Consumer complaint received 2024-05-15
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. (GA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (GA)

I had a family emergency in the summer I had to travel so I left town in a hurry. When I came back I discovered someone had used my credit to create personal loans as well as credit cards. I contacted all of the entities the information was listed in my credit report and they advised it would be removed but I still see it shows as verified as accurate. So now my credit is being affected it by these debts. Ive called numerous times even went and got the police is involved as this is MAJOR debt and I did NOT authorize the use of my credit for ANY reason. I dont use my credit this way. The only thing that should be on there is my HOME.Other than that the rest of this debt is fraudulent and I disputed it but they keep advising its being removed and its still on there. So Im filing with you all to see how you can help me. I will attach a copy of the police report as well. All Im trying to do is make this right.
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

Chase Credit Card services - I made an online purchase for a catering order. Hours later there was an automated text from Chase saying there was a suspicious charge on my card ( the catering order ) and asked me to respond 'Yes ' if I did make the purchase/authorized. I responded 'Yes ' and the computer immediately responded that it would then be authorized but that I might need to contact the vendor to run it again. I contacted the vendor the next day and they said the card wouldn't run. I contacted Chase and they said there was fraudulent activity on the card so they shut it down and will be sending out a replacement card in 6-8 business days. I explained there WAS no fraud and that I appropriately responded to the automated fraud alert. The response was 'there 's nothing I can '. Now I have to wait for my replacement card to come and take hours to redo all my auto payments with the new credit card number through no fault of my own. No offer of explanation for the closure or any kind of offer to make up for their error.
Consumer complaint received 2024-08-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (OK)

I checked into XXXX XXXX XXXX XX/XX/XXXX and a XXXX hold was placed on my cash app card. I checked out XX/XX/XXXX. A balance of XXXX is owed to my account. Initially I was told if it was just a hold it could take 5-10 business days to complete. It has been longer than that. 
Today I contacted both companies only to find out that cash app routinely holds consumers funds for thirty days even after the merchant releases the funds. 
The representative also lied to me today and claimed that XXXX had placed another temporary hold on my funds in the amount of XXXX on XX/XX/XXXX which XXXX XXXX  denies stating they have encountered this issue multiple times with cash app holding funds. 
Today as of XX/XX/XXXX the funds are still not on my account. I wouldnt have used this card if I was aware that this money would be in limbo for a month afterwards.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (UT)

Originally contacted by XXXX stating that I owed a debt on a credit card that I never opened. There is no signature of any kind attached to this account signed by me. Account was established by ex-spouse over the phone. Ex-spouse was allowed to open account in my name. XXXX claimed that the account was verified because the bills were sent to my address. They added a collection to my credit. Now XXXX has sold the account to credit control LLC, and I have to go through the whole thing again, and still have the collection listed on my credit. I am a XXXX XXXX XXXX XXXX veteran on VA XXXX. I refuse to pay a debt that I did not establish on an account that I did not establish.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (VA)

On Monday, XX/XX/XXXX, I transferred {$1800.00} to my Cash app account for a XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  placed a temporary hold on my cash app card in the amount of {$1400.00}. 

On Wednesday XX/XX/XXXX, when I returned after dinner I was checked out of my XXXX reservation. I was checked back in the room and told to come to the front desk after XXXX to speak to a reservation Manager about my account. 

On Thursday XX/XX/XXXX, after checking with the front desk Manager I was told the {$1400.00} temporary hold was not showing in XXXXXXXX XXXX XXXX We contacted Cash app and they said they still see the temporary hold and they can not investigate the issue for thirty days after I check out. 

XXXX said I could not stay until I paid the remainder of my stay which was about {$700.00}, through the XXXX. 


I checked out on XX/XX/XXXX. The initial deposit I paid on XXXX XXXX, in the amount of {$250.00} covered XX/XX/XXXX and XX/XX/XXXX. 

It has been 6-days since I checked out of XXXX. Cash App funds were temporally held in the amount of {$1400.00} and not used to pay the room and I still do not have access to my funds and the Cash App is telling me it will take them 30 days to investigate the issue. 

I received an email from Cash App on XX/XX/XXXX, Cash App stated XXXX placed a temporary hold on my Cash App Card for {$190.00} on XX/XX/XXXXXXXX XXXX XXXX. Which is not possible because I was already checked out. The cash app card has been locked Since I checked out on XX/XX/XXXX. I do not have any denied transactions from XXXX since Thursday XX/XX/XXXX, the same day I checked out. 


Cash app should have a process to handle this matter it should not take a 30-day process to investigate what seems to be a computer glitch. 

Where are my funds if XXXX does not have them then Cash App should.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

I was selling tables on XXXX XXXX. Then someone came up who wanted to buy a table and made a transaction. XXXX told me to do so because I wanted to transfer money using an app. I asked him to check XXXX 's mail with a call that I sent XXXX dollars. I checked the mail and it said that my account was not a business account and I had to upgrade it. So the other party said that I would send XXXX dollars to me, so if I refund it to myself again, the account would be upgraded. When I searched XXXX, I saw that it was the authentication method that was actually being used by XXXX and proceeded with the transaction. However, even after that, when I received an email asking me to pay an additional XXXX dollars in usage fee, I felt strange and couldn't send the money right away. At first, the other party said it was a legitimate procedure, but suddenly I left the chat room. That's how I lost XXXX dollars. When the sun rose, I went to Chase Bank, explained the situation, and asked for help, but they said I had to wait until a fraudster used the bank account. They said they wouldn't get paid after a month. The number of victims is increasing, but it's not wise to deal with it. There were a lot of people who suffered the same damage as me, and none of them got their money back. The bank should contact them with their information and come up with various solutions such as withdrawing the money or canceling the remittance. Scammers should not be allowed to make money and avoid good people. Especially, I am an XXXX  who has been in the U.S. for only 7 months. This problem will undermine the credibility of the U.S. and cause XXXX  to have a bad perception of the U.S. I am working as a XXXX in XXXX. I will write down the news that this happened on my social media and make it public.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I opened a checking account with Huntington Bank in early XXXXXXXX XXXX XXXX. They approved my account and gave me access to their mobile banking site. On XX/XX/year> i made a mobile deposit of {$1000.00} to the account. They negotiated the check on XX/XX/year> and put a hold on it til it cleared. they sent me an email dated XX/XX/year> advising of this and stated the hold should be thru XX/XX/year>. On XX/XX/year> they sent me an email stating that they released the hold and that my balance as of XX/XX/year> was {$1000.00}. well in the interim my access to their website was removed. said I was locked out and to unlock needed to change password. well after attempting got an error not allowing me to create a new password. when I called their phone number I was greeted with the message that my account balance was XXXXXXXX I attempted to find out why I couldn't access and was met with all kinds of excuses. what i was able to gather by bits was that they closed my account due to me being a risk. what risk I do not know. but then i was told my account was under review and it could take from one to 6 weeks for an answer. all they would say is that i would get a letter. now if I were a risk, why did they even approve me for a checking account? and just what kind of risk am i to their checking account service? Bottom line is I need my money. I have bills to pay and expensive medicine to purchase and they are holding my money hostage. If they have closed my account, what the heck are they reviewing. they should have returned my money ASAP not dawdle over it- it should have been immediately returned either via returning electronically to my bank or sending a check immediately to me.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (OH)

HelloI recently applied for a refinance on my home mortgage. from Green Light XXXX XXXX and division of Nation Star Bank. After many weeks of working on forms and sending documents to them. I was told we were going to close on the loan. The mortgage do not pay on your existing loan. The mortgage did not answer my calls. Then Nation Star wanted there late fee.
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

someone rent an appartment under my name without my knowledge I didnt signed any lease with XXXX XXXX XXXX XXXX I send a certified letter request info from the collection no answer.
Consumer complaint received 2024-08-27
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 ()

Hello, I created a Paypal account back in XXXX on the XXXX paypal website. I provided my real XXXX details and documents when creating that account, never mentioned XXXX anywhere and never gave any fake information. I even submitted the documents a second time over the XXXX years that were approved by Paypal and they even gave me an established seller account. I am an XXXX XXXXXXXX and I mainly used paypal to receive very little amounts of money from XXXX XXXX XXXX from legit websites, as I had no other option. My account was permanently limited due to wrong country allegations and I waited for XXXX days. Now Paypal is only providing me withdrawal options that are not viable for me at all and nearly impossible. It's impossible for me to get a XXXX or XXXX XXXX account or card and they are not allowing me to link a virtual account. So basically I might never be able to withdraw that money, so they are mocking me in a way by telling me that the money is safe in the account and I can withdraw it whenever i want. When I enquired why they let me create a Paypal account although I entered a XXXX address and details while creating the account back in XXXX. They answered that they give every customer a fair opportunity to create an account. I asked why did they limit my account permanently if that was the case and I'm not even getting a fair opportunity to withdraw my funds now. I'm reaching out because of their mockery and deceptive responses. Besides the messages, I even made a XXXX min call and they didn't give me any solution besides repeating the same thing over and over again. 

Law and jurisdiction doesn't allow me to withdraw my money but it does allow me to create a XXXX paypal account and use it for XXXX  years. Or have their developers forgotten how to code. It's just an obvious trap. 

I complained through XXXX before this and in response Paypal asked me if I have any active Virtual accounts that they can link for me. I gave them the details and haven't received a response for nearly XXXX weeks now. Below is a link where I recorded the entire conversation and screenshots. They are not even responding any more. 

XXXX XXXX XXXX XXXX My Paypal ID : XXXX Looking forward for a resolve, Thank you. 

XXXX.