davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (GA)

I have spoken with this company and also communicated with them by mail on several attempt this is my final attempt before filing suit against them, They can not validate this so called debt, they are a third party debt collector and I have no contract with them, I requested from them to produce a contract between me and them and they only produced old statements. A statement is not a contact anyone can mail you statements from a delinquent debt and request you to pay them. A third party debt collector can purchase your debt but they can not purchase your information ( 15usc 1692b ) This company has violated my privacy and have harass and abused ( 15usc1692d ) my privacy with collection of this debt of the Fair Credit Reporting Act which you can see as an credit bureaus, I am requesting this be deleted from a credit file ASAP!
Consumer complaint received 2024-01-30
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (SC)

Subject : Unjust Denial of Dispute Way to Go Card Dear XXXX XXXX XXXX, I am writing to formally lodge a complaint against Way to Go Card regarding their unwarranted denial of my dispute for the second time. The disputed amount is {$600.00}, and despite providing a comprehensive police report as evidence, my claim was summarily dismissed. 

Timeline of Events : 1. **Dispute Submission : ** On XX/XX/year> and XX/XX/year> I submitted a dispute for the unauthorized charge of {$600.00} on my Way to Go Card. I included all necessary documentation, including a police report attesting to the unauthorized transaction. 

2. **First Denial : ** To my dismay, Way to Go Card denied my initial dispute without providing clear justification. I promptly resubmitted the dispute, ensuring all pertinent information was included.

3. **Police Report Submission : ** Understanding the gravity of the situation, I attached a detailed police report corroborating the unauthorized nature of the transaction. This report unequivocally supports my claim.

4. **Second Denial : ** Shockingly, Way to Go Card has once again denied my dispute, citing conflicting information. This denial is perplexing, as the police report offers unambiguous evidence supporting the fraudulent nature of the charge. 

**Concerns : ** 1. **Lack of Transparency : ** Way to Go Card has failed to provide clear and transparent reasons for denying my dispute, leaving me in the dark about their decision-making process. 

2. **Repetitive Denials : ** The repeated denials of my legitimate dispute raise serious concerns about the fairness and integrity of Way to Go Card 's dispute resolution system. 

3. **Disregard for Evidence : ** Despite providing a police report a legally recognized document Way to Go Card has not given due consideration to the compelling evidence supporting my claim. 

**Requested Resolution : ** I am seeking a thorough review of my dispute, taking into account the submitted police report. Additionally, I request a detailed explanation for the denials and a prompt resolution of this matter. 

This ordeal has caused undue stress and financial strain. I trust the XXXX XXXX XXXX will investigate this matter impartially and ensure a fair resolution of {$600.00}. 

Sincerely, XXXX XXXX # XXXX Email : XXXX XXXX
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (AZ)

Approximately XX/XX/XXXX I made my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment as two separate payments. The first payment was for {$4300.00}, but after receiving my statement, I realized my payment had increased and sent in another payment of {$90.00} to cover the remaining part of XXXX XXXX payment. I noted on the coupon and checks that nothing was to be applied to fees or principal. 
The bank on XX/XX/XXXX processed my payment by applying funds of {$1400.00} to the XXXX payment, {$14.00} applied to fees and {$2800.00} applied to additional principal. My last payment of {$90.00} on XX/XX/XXXX was applied to fees. 
On XX/XX/XXXX, I called and advised of the misapplied payments and spent over XXXX minutes with a XXXX who said she opened a ticket to apply the payments correctly. I followed up on XX/XX/XXXX via phone and opened a ticket on XX/XX/XXXX with their online help center. I called again on XX/XX/XXXX via phone and the online center and was advised that they were already in the process of fixing the payment errors. 
I have made additional inquiries via email, phone and tickets but have not had this issue resolved. My mortgage is now reporting over 30 days past due and late fees have been applied to my mortgage, even though my next payment due should be XX/XX/XXXX. 
They never replied to my emails sent on XX/XX/XXXX or XX/XX/XXXX. They have exceeded the original 10 days promised to fix the next 15 days, 30, and 45 days from my original inquiry on XX/XX/XXXX via phone or the written request of XX/XX/XXXX.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MD)

WF CRD SVS. ran my credit report without authorization. I don't recall applying for credit with this company. I called back in XX/XX/2023 and asked for written proof of at the time they couldn't provide. I need this removed immediately off of my credit report ASAP.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I already did 5 times dispute the information reported on one of my account and Equifax never send me proof why the are reporting me a late payment on XXXX XXXX account number XXXX on XXXX XXXX i have never been late on that account
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DC)

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

ID : XXXX
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CrossCountry Mortgage LLC (MA)

I was promised that during the forbearance period my they would not report that I have missed any payments. I have in fact in my six month forbearance period continued payments from the fourth month. The company has reported to the credit report that I have missed a payment when I have not and I am still in the forbearance period.

I've contacted CrossCountry Mortgage and they said that it was a mistake on their end and they will work on removing that mistake but have not done it yet inspite of reporting it from XXXX and directly reaching out to them.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (AZ)

I had opened a Citi Bank checking account on XX/XX/XXXX as part of promotional email received to get XXXX dollar bonus. As per the offer terms i had to deposit XXXX dollars within 20 days and maintain that balance for 60 days from deposit date to meet the eligibility in order to get XXXX bonus. 
1 ) After i funded my account on XX/XX/XXXX with XXXX dollars, i confirmed with the Citi live chat rep on XX/XX/XXXX to find out till which date i have to maintain the balance to meet the eligibility requirements and they confirmed me XX/XX/XXXX ( 60 days from the deposit date, which is same as per my promotion email ) 2 ) I perfectly maintained the balance till XX/XX/XXXX, but, before withdrawing the amount back from my account, again on XX/XX/XXXX also I had a chat with Citi agents and double confirmed if i met the eligibility already to get the bonus, they confirmed i had already met the requirements and no need to maintain the balance anymore, after that only i had withdrawn the amount on XX/XX/XXXX. 
3 ) Also, till date I confirmed with multiple reps via phone calls and online chats, they confirmed me that i met the promotion requirements and asked me to wait till XX/XX/XXXX to get the bonus credit, but credit has not posted on my account, so far 4 dispute cases have been raised but still i have not received the bonus. Whenever i talk to or chat with Citi agents, they are keep on telling i met the eligibility requirements of the promotion and opening multiple dispute cases and it has been totally frustrating with no progress on getting my bonus.

4 ) On one of the dispute cases, they mentioned i did not meet the eligibility for the promotion as i did not maintain the balance which is not at all fair, because i always confirmed the eligibility with their agents before i had withdrawn the amount from my account.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (WA)

I deposited a XXXX check into a new checking account with chase Bank. It was a third party check endorsed to me by my fiance at the bank. They said that as long as the check cleared the funds would be available in about 10 days, that was the XXXX of XXXX, the check cleared but they then locked my account and told me that we needed to verify my fiances phone number to unlock my account even though the check cleared and the funds were available. We then proceeded to buy a new phone through XXXX XXXX and headed back into the bank to verify the number, which didn't happen because their phone number verification system said that the number wasn't hers even though they never tried to call her. It is now XX/XX/XXXX, and on the XXXX of this month the fraud department of chase called me and told me that my account was closed the day before and that I would be receiving the available balance from the account by mail in 7-10 business days. I have not received any check but a statement came that said that they debited the account for the whole amount of money on the day they closed the account. I have since tried contacting them to see what is happening and they keep telling me that my account is still open and I still need to verify my fiances phone number.
Consumer complaint received 2024-01-30
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: Credit Karma (MD)

I applied for a credit card back in XXXX and got rejected. I just pulled my credit report XX/XX/XXXX and noticed XXXX injuries from this company running my credit several times. I didn't authorize Credit Karma to run my report. I also reported this to FTC case # due to fradulent actions taken on my reports and also have frozen " All '' of my credit reports.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (WA)

Warning : Wells Fargo Destroyed My Credit Score with Negligent Handling of Fraudulent Charge Wells Fargo 's destroyed my credit score with an already-disputed {$1.00} fraud charge on a closed account. Last year on XX/XX/XXXXXXXX XXXX XXXX a {$1.00} fraudulent charge for XXXXXXXX XXXX in the XXXX popped up on my Wells Fargo card. Never been there. I disputed it immediately, they closed the account and sent me a new card, they promised I was not responsible for the fraudulent charge in any way. But five months later on XXXXXXXX XXXX XXXX, Wells Fargo reports the charge as a charge-off to various credit report agency. 

Result? My credit score tanks, car insurance rates skyrocket, and my mortgage plans go up in smoke, XXXX also lowered the credit limit on one of my credit card. Even if I dispute it with credit bureau, it takes time, my life plan was disrupted.
Consumer complaint received 2024-01-30
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: EQUIFAX, INC. (AL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (IA)

I chgd on my Home Depot credit card so they would not close my account for inactivity, I never received the bill in the mail as that was the way my billing was set up. I received a late night message from XXXX XXXX telling me I had a late payment on this account. I immediatally paid the bill and called the company the next day. I found the email in my spam folder. They credited back my late fee and sent me a chk for the amount of the charge twice. I called the company and they assured me they would remove this from my credit report and it is still there. I value my credit score very much and would have never not paid a XXXX chg.
Consumer complaint received 2023-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DailyPay, Inc (OR)

Direct deposit pay delivery delay. Zero communication with customers about this. I received nothing from them during this experience. And Fraudulent information on website. Started on XXXX, day was supposed to get paid, said would be fixed ASAP but instead they just moved the posting date of my paycheck to XXXX. Again, not a single communication sent about any of this. Disappointed on lack of assistance and communication. Would not trust this company with my pay moving forward.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (WI)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Credit Acceptance Corporation is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Credit Acceptance Corporation the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Credit Acceptance Corporation whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Credit Acceptance Corporation Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2017-03-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OK)

I purchased a vehicle through XXXX in XXXX in XXXX. From the get go the deal has not been good. The dealership lied to me, and would not take off gap insurance that we asked to be taken off a day or so after the loan. Now, the dealership did not inform me that the customer service for the financial institution is all outsourced to XXXX or the XXXX. I can never get anyone who speaks XXXX at Ally Financial, and now, today, I learned that they have taken almost {$600.00} too much out of my account. My payment was supposed to have been {$290.00} and they took over {$790.00} out. I have a corporate contact at Ally due to some of the other issues we 've had and even she argued with me saying that it appears I initiated the payment to go through. I did imitate XXXX payments, XXXX for {$150.00} and XXXX for {$290.00}, but for whatever reason they charged what they did. I have had to go to my bank to dispute the incorrect portion. 

Ally Financial is a joke! They are hideous and they do not help. I also have reason to believe I was hacked when the car deal went through as I have had to change banks, phone numbers, and even email addresses since purchasing this car. We may have been hacked prior to the car deal, but we have had nothing but trouble and my credit score has dropped significantly since all of this happened. The issues I 've had are well documented, and I eventually had to email their investor relations just to get someone who spoke XXXX to call me. 

Today is the last straw. They will not help me with the incorrect amount they charged out of my bank account and I have to file a dispute with my bank now. I am so upset about all of this. 

XXXX XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023 i sent a letter regarding inaccurate unknown things on my report its been more than 30 Days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 
I surely was a victim of the XXXX date breach.
Consumer complaint received 2024-01-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

I purchased a prepaid card from XXXXXXXX XXXX XXXX XXXX and at the time of purchase I had loaded the prepaid card with {$500.00} dollars. 

On the day that I purchased the card I began having trouble with activate of the prepaid card and had made several attempts calling customer service, I was led to believe that the prepaid card would be activated in 24hours, I was told this about 4 times. Without any course of action to get the prepaid card activated. 

After 4 days without any corrective action from XXXXXXXX XXXX XXXX XXXX to simply activate the card so I could use the funds to pay bills that are now overdue
Consumer complaint received 2024-01-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CashRepublic Holdings, Inc. (TX)

Omni violated the MLA. Specifically by allowing me to roll over and refinance the existing loan, exacerbating my financial hardship, there was a clear violation of MLA.

This was only further exemplified by charging for debt cancellation products.
Consumer complaint received 2024-01-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MT)

This is not verified. I contacted the bank and they have refused to provide any documentation and they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within XXXX  days!