davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Dobberstein Law Firm, LLC (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX DOBBERSTEIN LAW FIRM , LLC XXXXXXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Wisconsin XXXX Pursuant of the Fair Debt Collection Practices Act under U.S.C. Section 1692a ( 6 ) the definition of a creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does NOT include any person to the extent that he receives an assignment or transfer of a debt on default solely for the purpose of facilitating collection of such debt for another. Therefore DOBBERSTEIN LAW FIRM  and XXXX XXXX has violated my right not only to privacy but as falsely acting as both a debt collection agency as well as an attorney law firm. Account number : XXXX
Consumer complaint received 2023-09-21
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. (NY)

feel I am being ignored by this company. my report has unauthorized accounts, never did I consent to these being applied for. Never did I have knowledge of them nor did I ever have access to any of these. However, XXXX is not removing them from my report.
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NC)

Hunter Warfield is the company. XXXX The XXXX XXXX XXXX I paid this debt of on XX/XX/XXXX  in full. I recently went to fill out a rental application and I was denied stating that this eviction was still on my credit report.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

About XX/XX/ I got alerts from identity guard about 30 day past due notice on mortgage that I am the co borrower in which I was never contacted on by the loan servicing company XXXX XXXX nor was I notified of data breach. Since I have been made aware all payments have been posted. XXXX XXXX did not follow the proper guidelines as established in there delinquency policy, had proper guidelines of notification been done this situation would have not accelerated in regards to payment. Data breach better security systems should be in place and consumer information would not be compromised.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (OH)

I applied for two jobs. One for XXXX and the other for XXXX. These companies ask for a background check and used the credit reporter Checkr. Checkr did the background reports and sent these companies my criminal record of over twenty years old. The FCRA law says that background reports must be up to date and not out of date information. There is a 7 years limit for criminal records in most states and is 10 years for bankruptcy. Telling these companies that they should consider these out of date criminal reports violated FCRA laws. Checkr further violated the FCRA laws when they also reported and told these companies to consider two pending criminal cases.
Consumer complaint received 2023-11-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (PA)

I received a call from Southwest Credit Systems in XXXX, telling me that I owed {$100.00} for a XXXX bill. I haven't had XXXX in over three years and told them I didn't owe this. Asked them to send written notification. Never received written notification. Got another call from them in XXXX saying that they were going to report me to the credit bureaus. 

I asked again for written notification. Didn't get it. On the week of XX/XX/XXXX, I saw that my credit had gone down due to a derogatory report from Southwest. 

I called them and found out that the address attached to the account was XXXX XXXX XXXX, XXXX, DE. This is not my home and I have never been there. 

I figured that this was attached to fraud I experienced in XXXX - XXXX when someone stole my social security number. They opened a XXXX XXXX Credit Card. I resolved that fraud and froze my credit accounts. I didn't know he also opened a XXXX account until this week. 

I filed a fraud report with XXXX and have not yet heard from them.
Consumer complaint received 2024-02-08
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 ()

I have been using PayPal to receive payments for my online business and also paid some of my staff using the same platform. 
On XXXX XX/XX/2023, I made a withdrawal of {$800.00} on my PayPal account ( Merchant ID XXXX ). 
I then got a notice that PayPal is requesting for my verification details. 
I gladly provided the documents required and all was fine until on XXXX and XXXX of XX/XX/2023 I did get notified that my account has been permanently limited. 
I was made to understand that I could only cash-out my funds after 180 days which I gladly waited. 
After 6 months ( 180days ), I contacted PayPal customer care so they could make an adjustment for me to cash-out my funds but all was in vain. 
It is almost 7 months now and still I have not been helped to cash-out my funds from PayPal as they are claiming that there is an ongoing verification on my account which could take another 180 days. 
I feel that is not fair to me because I have waited for 6 months as they told me earlier and now they are telling me to wait for another 180 days yet I had made a commitment to the funds and I need it nowdesperately.
Consumer complaint received 2024-02-08
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: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I notified Citiback of a disputed charge in connection with a gift card purchase that I used at XXXX. The gift card was issued by Citibank Shop your Way Master Card. Each month since XXXX, I have have had to call Citibank Master Card to address the {$17.00} under dispute. I was told on XX/XX/XXXX when I called Citibank that the late fees of {$2.00} which were charged on the disputed amount was waived along with the disputed amount of {$17.00} was waived. Citibank also charged another {$19.00} in duplicate and this was also waived. The case was taken by XXXX in Customer Service and all of this was recorded in case iD # XXXX. Since this time, I received collection phone calls from Citibank on XXXX/XXXX/XXXX at XXXX and on XXXX at XXXX regarding a past due amount of {$17.00}. I have made Citibank aware that again Federal Credit Law for disputed amounts to be placed under collection, but the Collections Department seems to be unaware. I have tried diligently to resolve this matter, but I refuse to be held responsible for being charged for a purchase that was paid for using my digital gift card that was issued by Shop your Way Gift card. Since XX/XX/XXXX, I have received no word from Citibank regarding the results of the investigation. -- the only action that they have taken is to send the account to Collections to appears.
Consumer complaint received 2023-09-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: The Cadle Company (NM)

On XX/XX/XXXX, I applied for a loan modification due to me getting XXXX and lost my job. I applied for a loan modification through the current mortgage XXXX Mortgage. I was on track for a modification through XXXX mortgage. XXXX Mortgage sold/transferred my mortgage to the Cadle Company on or about XX/XX/XXXX. 
I made contact with Cadle Companys representative, XXXX XXXX and XXXX XXXX told me that they are not under obligation to continue the loan modification. XXXX XXXX has told me that the XXXX XXXX for XXXX does not apply to the Cadle Company XXXX 
I have further researched the Cadle Company and have learned that they are a debt collector not a mortgage servicer. The previous mortgage company has sent the entire loan modification file to the Cadle company that includes my application for a loan modification. I have also sent the Cadle company a copy of the application that XXXX mortgage had sent to them during the transfer. The Cadle Company has not honored the modification and denied my assistance. I applied with NM XXXX for assistance in catching up with the arrears and the Cadle Company has been paid of {$20000.00} to help catch up on my payments. To date, I have had no luck with the Cadle Company completing the loan modification.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Hello, my Business Account is registered on Venmo. I use the account for business only. 
On XX/XX/XXXX a consumer using their Credit Card purchased a Heating and Air conditioning package from me, which I purchased solely for the consumer. 
On XX/XX/XXXX the consumer filed a chargeback saying the Materials were defective or missing parts. 
I was given a chance to defend my business by submitting any pertinent information I felt could help me. 
I submitted many conversations, receipt copies, photos of Materials etc.. 
However today I was notified a decision was made in favor of the consumer. 
I explained to Venmo in writing on XX/XX/XXXX that it has been over 130 days since the transaction and by the laws writing and found in the Fair Credit Billing Act of 1974 that the consumer exhausted and exceeded the time to file a chargeback. 
I also sent incriminating evidence to Venmo but to no avail. Only to be ignored. 
What is most upsetting to me is Venmo mentioned the Consumer protection Laws as a reason for their actions. But that it clearly only mentions " fraudulent business practices, defective products and dangerous goods or services ''. 
None of which is relevant to me or the transaction between the consumer and I. 
And they did not refer to the Fair Credit Billing Act of 1974 in which it clearly talks about chargebacks and the time allotted to the consumer.
Consumer complaint received 2024-02-08
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. (MN)

All dates since credit card was opened. Chase credit card. the limit was {$4100.00}. Charges were made in that amount. I disputed and they said that they believe half the amount was fraud and the other half is not. I submitted an affidavit of forgery, fraud letter and police report, and they still say that half the balance is fraud. BUT-ALL the charges were not mine. I have been fighting with them about their said findings and they refuse to give me any documentation. They said by law, they didn't have to. They also lowered the credit limit to the balance currently on the card that they believe is not fraud. Credit card ends in : XXXX. I do not know what the full account number is because they will not tell me. They just continue to try to bill me and I refuse to pay for charges that are not mine. This is ridiculous and needs to stop now.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I called Chase Travel on XX/XX/2024 at XXXX to determine if the seat selection was included with the fare shown in the chase travel app. Chase Travel Agent advised seat selection was included and that I should go off what the fare showed on the chase travel app. I paid more for this fare compared to other fares offered by the same airline to have the seat selection option as the chase travel agent confirmed twice that seat selection was included. Once booking was complete I went to select my seat on XX/XX/2024 only to have to pay {$560.00} to select seats of the same fare class. The chase travel representative did not understand products and passed bad knowledge onto me as a customer and as a result I suffered financial harm. Chase travel needs to investigate this practice and needs to issue me some type of compensation for their failure to accurately display whats included in the air fare shown through the travel portal and needs to retrain staff to let customers know they will have to repay for this fare. I am now out {$560.00} due to this failure with no help from chase to correct these deceptive acts.
Consumer complaint received 2023-04-27
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: PNC Bank N.A. (LA)

I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my XXXX credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by XXXX can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. PNC Bank XXXX. XXXX XXXX XXXX XXXX XXXX. Second Credit check was done by XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: COLUMBIA BANKING SYSTEM, INC. (DC)

I opened an account with Umpqua Bank online mid XX/XX/year>. They have withdrawn the funds from my credit card to fund the account and they have been earning interest from my {$2000.00} since XXXX when I opened the account. However, access to the account has been frozen by their fraud department. Every time I call, I wait on hold for 2 hours. They tell me that I have to come into a branch to show evidence of me owning the card that I funded the account with. I am unable to attend a branch in person as I'm not anywhere close to a branch and don't have a car even if I was. I talked to a fraud investigator today and told them my situation. They told me I could email the documentation which I did 5 minutes later. Now when I call them they say they can't accept anything emailed. 

I'm at an impasse as I don't have access to a branch or means to get to one. They have my funds and are refusing to give me access to them. I am now unable to eat or pay bills.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB, Please assist - I have absolutely no knowledge of the alleged debts listed on my credit report. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. 

I opened up my mail to find that credit had been applied to in my name. I immediately reported this to the FTC so that the bureaus can rectify the situation.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am not liable for this debt, Capital One Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX I do not have a contract with these collections. They did not provide me with the original contracts for the following companies Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I requested. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 
15 USC 1681-602A states I have right to privacy.

15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (IL)

Kickoff Account XXXX this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Consumer complaint received 2024-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo stated in their response to my complaint # XXXX the following : " Regardless of whether you provide additional information, we are outside of the regulatory mandated timeframe in which we must respond. '' Is it Wells Fargo 's intention to be uncooperative within the CFPB complaint process? 
I have a question about the XX/XX/XXXX letter Wells Fargo inserted in their online response where it is stated " Our records indicate that your loan is in default for failure to make payments due. '' I disagree with that assertion and it is a desperate attempt by Wells Fargo to use their letter to distract from my research which proves there was no payment delinquency or justification for a payment increase. Since Wells Fargo has introduced this letter, the burden of proof of missing payments is on the bank. What payments were missing? 
Wells Fargo mailed me a letter dated XX/XX/XXXX which included an attached check for {$200.00}. Wells Fargo admitted an error may have occurred We apologize for any inconvenience this caused. Since Wells Fargo has admitted an " error '' had occurred '' and provided a check for financial acknowledgement, the error qualifies me under Section 28 of the Consent Order as a victim. Unfortunately, the {$200.00} check is not an acceptable amount to make me whole and will not be cashed. It is woefully inadequate to compensate me for the loss of my home which has a current market value of {$650000.00}. 
In addition, under Section 79 of the Consent Order, Wells Fargo agreed to help the Bureau determine the identity and location of, and the amount of harm sustained by, each Affected Consumer. Is Wells Fargo going to comply with the Consent Order and formally declare me as a victim to the CFPB Enforcement Officer?
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BTH Management (LA)

In XXXX of XXXX, I filed a complaint against XXXX XXXX in regards to a balance.out for collection reported to My credit report. The reply back from net credit was that the account was verified, without providing verification that balance and/or account is to I and the CFPB ... Now in XXXX of XXXX I was notified.by XXXX that a collection account was reported by Plaza Services ( PS ), Plaza Services reported a balance of {$3400.00} that was in default. They alleged original creditor XXXX XXXX had previously changed that amount off in house, and the portfolio was purchased by Plaza Services. I don't know this company, they haven't sent any notices to the address I'm known to use, and they haven't provided I, any verified evidence to sustain it ( Plaza Services ) for reporting it to XXXX. It is a clear violation of Fair Credit Reporting Act, and also a violation of 15 USC 1692d, I'm also requesting monitor damages.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MI)

Applied for Credit Card and was denied twice XXXX and XXXX. 

15 U.S. Code 1691 - Scope of prohibition States ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 

I believe that I have been a victim to the law when I more than qualify for credit.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request