davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (TX)

Subject : Complaint Against Wilshire Financial for Predatory Lending Practices Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Loan Star Title/Wellshire Financial Services on behalf of XXXX XXXX XXXX On XX/XX/2023, XXXX XXXX unknowingly entered into a predatory lending contract with the company, which has led to unfair and deceptive practices that violate her rights as a consumer. 
Loan Star Title/Wellshire Financial has violated Section 83.501 Maximum Interest Charge XXXX XXXX Code 342.01 ( a ) and Finance Code Chapter 302, which state that the maximum rate or amount of interest is 10 % per year. They have also violated Texas usury protection laws, as the Texas Constitution prohibits lenders from charging more than 10 percent interest ( Article 16, Section 11 ). Contracts without a rate of interest agreed upon should not exceed 6 %, and this section also limits interest rates on judgments to 18 %. 
This company has over 100 complaints regarding predatory lending and unfair deceptive practices. During our investigation, we found numerous consumer reports stating that the company is preying on the vulnerability of consumers in need, asking intrusive questions about their circumstances to exploit their desperation. In In XXXX XXXX case, they are charging her an interest rate of 320.4627 %, which is illegal according to Texas lending laws and the Texas Constitution. 
This predatory interest rate sets consumers up for failure, as many Americans are already struggling financially. With no hope for repayment and no hope for the consumer to ever retrieve their vehicle, we believe that this company is acting maliciously and causing harm. 
We are prepared to pursue a class-action lawsuit if the matters stated in this complaint are not addressed. As XXXX XXXX was coerced into signing an illegal contract and the company has forged consumer signatures on documents, this We have included the attorney generals office and the lenders association in this complaint. We do not seek to harm or defame the character or business practices of Wellshire Financial. Instead, we demand that all monies given be returned to XXXX XXXX 
XXXX, the predatory agreement be canceled, XXXX XXXX be compensated for damages and awarded {$10000.00}, and the title be returned. We also request proof of ownership of how the company obtained the loan, the actual cash value of the loan, and records of legal tender. 
We await your response and look forward to reaching a settlement agreement that resolves the issues outlined in this complaint. 


Attatched Below is the complete complaint for your review.
Consumer complaint received 2024-02-02
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: BMO Bank, N.A. (CA)

After XXXX years of making timely payments on my XXXX loan for a travel trailer with Bank of the West , I encountered issues when they merged with BMO. Due to a disconnect in their systems, my monthly autopay was disrupted without any notification. As a result, my account was sent to collections after XXXX months of missed payments. Despite promptly settling the full amount once contacted, BMO has refused to remove the negative impact on my credit record, stating the reason is that I should have noticed this while balancing my checkbook. I don't even have a checkbook! 

Is any recourse available to remove this derogatory mark from my credit history?
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-01-05
Product: Credit reporting 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)

On Friday XXXX XXXX XXXX  around XXXX the company refused to say given name. I entered the Experian.com web domain and entered social security number into credit website for the site to return with nothing and prompt I to enter my name manually which would void my social security number I entered with given name from XXXX authorities. XXXX XXXXXXXX chose not to say name, withheld data, and attempted to give me another name with shortened initials.I was denied finance from website and contact with an authority to use given XXXX credit from given initials XXXX. I am a US citizen and you don't have information on me.
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I notice there is a very serious error in reporting. I reached out to all three credit bureaus Transunion, XXXX, and XXXX to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

There are many months missing data. There are also multiple charge offs for the same account. The account showed positive status after charge and then many incorrect negative statuses followed by more charge offs. This is impossible Specifically on the XXXX report, I Don't recognize account ending in XXXX on the report. 

All Bureaus continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities.
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I hold a PayPal business account which utilizes a debit card that draws its funds from my PayPal account balance. On a recent road trip I secured both a rental car and hotel accommodations that required a preauthorization amount be charged that included a refundable security deposit. After car is returned or check-out done at hotel, the merchant some time later finalizes the preauthorization charge to complete the transaction and indicate the balance that represents the security deposit may be released from hold into the customer 's account. 

My PayPal account posted the finalized transactions of both these charges, but in each case did not refund the balance of the original preauthorization charge to my PayPal account balance. I have had many charges like this in the past with PayPal, and always been credited back the deposit as soon as the final transaction posted. 

On XX/XX/24 I called PayPal customer service, who confirmed the security hold charges of {$45.00} for the rental car ; and {$50.00} for the hotel, were being held by PayPal and that I would need each merchant ( XXXX XXXX ) to provide on company letterhead an exhaustive list of satisfactions ( attached ) to indicate no claim of the PayPal-held security deposit. Alternatively, the service rep explained I could wait for the held funds to be finally redeposited into my account SEVEN ( 7 ) days later for the rental car ; and EIGHTEEN ( 18 ) days for the hotel. 

I've made these transactions hundreds of times before and had no issue with the funds being redeposited immediately upon final posting of the transaction. To make matters worse, there is no indication that you have funds being held or when they might release. The original preauthorization hold disappears from view and you're left wondering where the {$100.00} you were desperately waiting to free up went. That is inevitably followed by an hour-long attempt to contact customer service. Please closely examine the " release requirements '' demanded by PayPal for expedient resolving of the matter. Is it reasonable to ask a consumer solicit this detailed response from a XXXX XXXX?
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as i requested XXXX XXXX XXXX $ XX/XX/2024
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (AL)

refrence XXXX i received a letter in the mail about a debt to respond by XX/XX/2024. I don't know what this is but this is not me. this not my debt and something needs to be done i would like to dispute.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (FL)

A fraudulent business account in my business name was created at BMO US. I received an email at XXXX XXXX on XX/XX/. I received two more emails at XXXX XXXX stating that my contact information had been updated. I have called the phone number on the email, and it connects me to BMO XXXX and they do not have an account for my business. The account was opened with Harris BMO US. 

I have been on a call with around 6 agents, and not one of them has been able to fully address the situation- whether the account has been frozen or not. It seems like BMO US is seeing a lot of fraudulent activity ( based on XXXX posts ). It seems like Harris BMO US has not done anything to rectify the situation.
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Spring Oaks Capital, LLC (TX)

Specifically : XXXX. **Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) ** : They have not provided the required validation information under 12 CFR 1006.34 ( b ) ( 5 ) to verify the debt. This lack of validation renders the collection entry on my consumer report inaccurate and unverifiable. 

XXXX. **Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) ** : I have not been given a chance to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). As a consumer, I am entitled to dispute the validity of the debt before any collection activity is reported to consumer reporting agencies. 

XXXX. **False, Misleading, and Deceptive Practices** : These actions in placing this collection on my consumer report without proper validation and without providing me an opportunity to dispute the debt are in violation of my consumer rights. These actions are false, misleading, and deceptive, constituting a clear violation of the FDCPA. 

XXXX. **Unauthorized Furnishing of Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) ** : They have no authority to furnish any account to consumer reporting agencies without providing any and
Consumer complaint received 2024-01-01
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: William D. Meeker Enterprises, Inc. (TN)

I have sent certified letters to the credit bureau 's in concern about these inquiries. 
The last date I sent letter out was in the month of XXXX, XXXX. 
XXXX. XXXX ( never applied for an account here ) XX/XX/XXXX XXXX XXXX ( never applied here ), XX/XX/XXXX XXXX. XXXX / XXXXXXXX XXXX  ( not mine ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XX/XX/XXXX XXXXXXXX XXXX ( should have only ran my credit one time, Its two ( Remove one ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) 8. CIC Mortgage XX/XX/XXXX ( never applied for a mortgage until XX/XX/XXXX ). not mine XXXX XXXX ( I have a n account with them, but haven't applied for anymore loans since XXXX, they're showing it as a vehicle loan and it's a regular loan. it needs to be changes. 3rd time requesting this. 
XXXX. XXXX XXXX ( never applied ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) I did a settlement offer with them, the last representative lied to me and stated that once I paid the last payment, which was over {$1000.00} that it would be removed off my credit report. She lied about it, and I tried to dispute it because they couldn't provide me with signed paperwork, cause there are a third party, a company that buys individual accounts.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've filed a dispute with Tranunion with documents of my complaint with CFPD ( Complaint Id XXXX ) of the debit collocation company admitting to reporting false information on my credit and that they would file to have it removed but have not done so and Tranunion has denied my dispute even with all the needed documentation
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MD)

From the 2nd week of XX/XX/XXXX until now, XX/XX/XXXX, I have called repeatedly several times a week in an attempt to get loan/account information on my account. My soon to be ex-husband who no longer occupies the home filed a XXXX  XXXX bankruptcy on XX/XX/XXXX. Since the filing, every time all call to speak with someone to get any kind of information pertaining the status of my account or to make payments, I am constantly being told that I need to get written authorization from my soon to be ex or his attorney in order for the mortgage company to speak with me. I have called repeatedly, several times a week, and to no avail, no one will speak with me. 

I was in the middle of a modification when he filed and now things are falling further and further behind, no to mention no one will speak to me regarding where my account ( status of modification, if foreclosure has started, etc. ) stands because of his filing. 

This is unfair, I am not the one who filed bankruptcy, but I'm having to suffer because the mortgage company refuses to speak with me. Can someone please intervene. 

I do not want to lose my home.. I have been paying the mortgage since my ex-husband has been out of the home and I would like to resume making payments and to be able to stay in my home.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

Someone stole or copied my Chime debit card information, made a duplicate copy, and made unauthorized transactions. Chimes investigation team has denied my disputes because they says there was no error. My last transaction was at XXXX XXXX XXXXXXXX in XXXXXXXX XXXX. Less than 20 minutes later someone made unauthorized transactions at a gas station, XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX, XXXX. When I seen the notifications appear on my phone that someone was actively stealing money from account I immediately locked my card, change, the password, and called Chimes fraud department, which is being tracked on the mobile app also. It is a proven fact that Chime members can not have more than one active debit card at once so therefore, I can not make a debit transaction in XXXX XXXX  and then drive to XXXX, XXXX in under 20 minutes and make another debit transaction because that would mean Im in two states at once. After I contacted Chime and reported fraudulent activity I contacted the merchants manager and they directed me to customer support. I have clearly been the victim of fraud, provided documents of receipts from the merchant that a card was swiped using my debit numbers, the merchants manager number, and followed the precautions after a customers card or banking info has been stolen and was still being denied. I filed over 5 claims and was denied each time and sometimes I was denied in minutes like an investigation hasnt even happened. Supervisors from Chime claim that their investigation team denied my claims because I didnt change my pin after I became aware of the unauthorized transactions which isnt accurate because I changed my password, locked my account, and reported fraudulent activity so all future unauthorized transactions were prevented. And not to mention my account was put in a negative balance afterwards so there was no need to change my pin when all of my funds were stolen already. Ive complained and expressed my frustration to at-least 7 supervisors and theyre all agreeing with me that I have evidently been a victim of fraud and they would try to investigate to see what is going on, and to try and see if I can get provisional credit but nothing. I get denied again. Below are the transactions, dates, and times : Date : XXXX XXXX  My last transaction : XXXX XXXX XXXX XXXX XXXX  ( {$22.00} ) XXXX Date : Monday, XX/XX/2024 Unauthorized transactions : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Amount : {$99.00} Time : XXXX Amount : {$45.00} Time : XXXX
Consumer complaint received 2024-01-14
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)

My information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NE)

I filed a dispute with chase on XXXX regarding a duplicate transaction posting to my account. I received a denial letter stating XXXX provided proof that the transaction is valid. I requested information to prove this info. I never received this information. I was told by XXXX because this is person to person I can not dispute it. I asked Chase to look into this, I was not given a complete answer as to how the investigation was not in my favor. I was not given any documentation to prove that the charge was valid. I was not allowed to dispute the second transaction as fraud or as being not authorized. I am very frustrated because i was told I authorized the two transactions per my messages, it only shows ONE charge of {$30.00} being sent to an individual. I have been told because it was proved by the other company that I had to agree to make the payment ( s ) my dispute was denied. I have already attested that I use XXXX XXXX before submitting the transaction. It is impossible for me to submit two transactions at that same time. Meaning, it is impossible to confirm two transactions within the same minute. I have already stated I would have simply sent the invidual {$60.00} instead of the {$30.00}. I plan to pursue this in court
Consumer complaint received 2023-02-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (OH)

This company is still reporting that I owe them debt to XXXX and I have requested them to Validate the debt numerous times via certified mail 6 months straight starting XXXX, 2022... They are still on my credit report even after mailing me a letter that they will stop contacting me about the debt.
Consumer complaint received 2024-02-03
Product: Credit card — Store credit 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. (AZ)

An online order was placed on Macys.com using my macys credit card on XX/XX/XXXX. Delivery shows as delivered vis XXXX XXXX XXXXXX/XX/XXXX, USPS XX/XX/XXXX, XXXX XX/XX/XXXX says delivered @ mailbox when no mailbox is in front of the home, they are community mailboxes, XXXX XXXXXX/XX/XXXX, and XXXX but there is no longer tracking available for that. I contacted the Macys online order department and filed a claim explaining the packages were never received and the two items that needed to be picked up at the store were never picked up since they were no longer available. The claim was put in on XX/XX/XXXX, then the claim was denied with no reason given after that I spoke to multiple different people with multiple different departments and the claim kept getting denied, I was told to file a police report which I did and even emailed it to them and still they denied basically saying I still owe the {$400.00}, one explanation I got was that my name was linked to multiple macys online accounts, a long time ago I had a Macys card that was linked to an XXXX email which hasnt been used and then an XXXXXXXX XXXX both those accounts have been deleted but to them it doesnt matter as long as they have a reason to deny, it seems to me they really dont care about their customers at this point. Today XX/XX/XXXX when I called they said to file a claim unfortunately thats not possible because its been more than 60 days and Ive been trying to resolve this with Macys.