davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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. (FL)

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE REPORTED ACCOUNTS IN MYA XXXX REPORT. 

EQUIFAX XXXX. Under XXXX XXXX XXXX. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX : XXXX. Under XXXX XXXX XXXX. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX : XXXX. Under XXXX XXXX XXXX. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-11
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 ()

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Last year, I did a pre-order release where the customer pays and waits 15 days for production. I use the XXXX platform and have PayPal as one of my payment options. Previously, I always had a very low dispute/refund percentage. 

Now, I put the pre-order online, and a significant amount comes into my business PayPal account. ( XXXX ) PayPal holds this entire amount for 180 days to potentially refund any disputes to the customer. Not only do they hold my money, but they also 'freeze ' my account, which means I can't do anything, not even refund the customer whom PayPal claims to be protecting. 

Some customers cancel their orders or exchange their items, e.g., one pair of pants for one hoodie. I want to refund the difference to the customer ( 15 ). 

However, I can't because PayPal has frozen my account to 'protect ' the customer. The customer waits too long, so they make a claim via PayPal, which results in PayPal refunding the ENTIRE amount to the customer instead of the 15 difference. PayPal doesn't use the held funds to refund this dispute but instead puts my balance into the negative. 

180 days pass, I contact them to release my money. PayPal says they will do this within 24 hours. I contact them after 2 days to ask when this will happen, only to be told they have decided to hold my money for an EXTRA 180 days. 

Meanwhile, disputes keep coming in. PayPal keeps refunding the full purchase amount XXXX XXXX XXXX to the customer instead of the difference that should be refunded XXXX XXXX XXXX 

As a result, the customer gets their order completely free. They charge an extra fee of XXXX per dispute. 

My balance keeps going below XXXX, and I have to constantly refill it with private funds, only to be told that my money is still being held. 

What can I do, or where can I report this? My business is suffering enormous financial damage and damage to my reputation. 

I try to help the customer, but PayPal freezes my balance, making the customer think I am making excuses not to refund the XXXX. ''
Consumer complaint received 2024-04-11
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. (NV)

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. 

XXXX XXXX XXXX ( XXXX ) : Account # XXXX has violated my rights. 

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 2023-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NC)

I made a payment of {$900.00}. Mr. Cooper claims to have reversed {$810.00} of this on XX/XX/23 ( they did not -- they still have the money ) and also now claims I am 8 days late and owe an additional {$84.00}. 

This company has a long history of crooked and predatory practices under different names such as Nationstar.
Consumer complaint received 2024-01-25
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-01
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: Experian Information Solutions Inc. (AZ)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2024 I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (MO)

we purchased our car XX/XX/2023, we have made all payments and the amount will go down but go right back up the next month. it's like we have made no payments. We financed it for {$16000.00} and the current payoff as of today XX/XX/2023 is XXXX. We have only reduced the amount by {$100.00} in XXXX  months. This is over doing it. If we are even a day late due to paydays we get hounded by phone calls. We should have paid more than that. When we bought the car we were told the drivers headlight would be replaced due to it collecting water and causing bulbs to blow. When I went to set up the fix I was told the person who told me no longer works for the company and no one has made any attempt to fix it. my main concern is the loan itself. this needs to be adressed because consumer portfolio is ripping people off badly.
Consumer complaint received 2018-11-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

We were in an area affected by Hurricane Irma in XXXX of XXXX and my wife was unable to work due to businesses that were affected by the storm for 3 months. We were offered a " Special Forbearance '' by the mortgage company handling the loan, XXXX XXXX XXXX XXXX XXXX, during the disaster. Once we accepted the " Special Forbearance '' no one told us all of the payment would be due at once nor did they tell us anything about the terms of the " Special Forbearance ''. and that the servicing of our loan was sold to Freedom Mortgage at the end of the Special Forbearance. We have contacted a HUD Approved Housing Agency and they have been helping us with the paperwork needed for Modification. Each time that Freedom Mortgage asks for paperwork we send it to them right away, and this process has been dragging on since XXXX of XXXX and they keep asking for the same paperwork over and over stating it is the underwriters. We feel we have been deceived, we feel that Freedom Mortgage is dragging this process on so that they can eventually file foreclosure and take our home, which was not behind until this happened, and we don't want to lose our home.
Consumer complaint received 2023-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Lakeview Loan servicing double charged my bank account for XXXX monthly mortgage payment. Left messages with customer service on XXXX and XXXX without a response. My bank account is now in the negative and I don't have money for heating or food this month. This is unacceptable.
Consumer complaint received 2023-11-07
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-12-13
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. (PA)

I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover the same error and inaccuracy that I already raise and dispute to your agency. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit. 

XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (OK)

Elan Financial Services had a promo : Earn up to 20 % more Cash Back ( up to {$20.00} ) on purchases after you spend {$50.00}. * Enroll by XX/XX/XXXX, and eligible purchases made from XX/XX/XXXX - XX/XX/XXXX, will count toward this offer. 

I completed well over the required threshold to earn the full {$20.00}. My account was never credited the {$20.00}. I attempted to resolve with their customer service XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ultimately being told they dont understand why Ive not received credit but still wouldnt credit it so I requested to close this account. According to XXXX reviews, a lot of customers recently have had negative experiences with this company. I then receive a response 5 hours later after requesting card be closed that it may be credited the following month but I was told that for the previous month. Just more nonsense. A customer service specialist reached out and when I responded letting them know Id be filing this complaint, there was no response.
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

I received two texts, two different debit amounts that are trying to post to an account PNC. I do not have PNC account. The phone numbers used XXXX and phone XXXX. Urging to call and verify if transaction is okay to process.
Consumer complaint received 2023-12-06
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Collection agency, has not validated the debt and they still continue to report to the credit bureaus. 
Continue to attempt to communicate with myself using email even though Ive asked them not to.

Consumer protection afforded by the FDCPA FDCPA Section 809 ( b ) FTC Opinion letter Case from XXXX The failure to further and fully investigate the matter is absurd! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. 

A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations.

Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : * FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX : Fine of {$1000.00}. 


This is done good faith and without recourse.
Consumer complaint received 2023-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC (TN)

My husband lost his job just after we bought the house. We were behind XXXX payments, made a payment, and asked about having them put those XXXX payments to the end of the loan, as we were able to start making payments again but couldn't afford XXXX past due payments plus the XXXX payment. They said that they only offer that if we're 90 days past due. The customer service rep said he's technically not supposed to give mortgage advice but said if we let it hit 90 days, then we could see about having those put to the end of the loan. We hit 90 days, and I have spent a total of 4 hours on hold, I've selected the option to have their system hold our place in line and call us back when it's our turn 3x, none of which have resulted in a call. I selected the wrong option intentionally in their automated system just to speak to ANY human, who told me he can't help because that's not his department but he'd send an email and have them call me that day no matter what ( that was 2 days ago, no call ) and I've also filled out their contact me form, no call. I don't really want my home to go into foreclosure because THEY can't pick up the phone or call me back. This is absolutely ridiculous.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

ubject : Delayed Release of Funds and Inadequate Customer Service at Wells Fargo Dear XXXX XXXX XXXX, I am writing to file a formal complaint against Wells Fargo for their handling of a recent transaction. 

Issue : Delayed Release of a Deposited Check Date of Incident : XX/XX/2023 Description of the Incident : I deposited a check for over {$4000.00} into my Wells Fargo account. 
Wells Fargo informed me that the release of these funds would take more than seven business days, which is a significant delay. 
I have contacted Wells Fargo multiple times ( more than 4-5 instances ) seeking a resolution. 

Actions Taken : Contact with Employer and Issuing Bank ( Chase ) : My employer confirmed that the funds were indeed pulled from their account. However, when requested, XXXX stated they do not issue letters of fund release but provided a phone number for fund verification. 
Response from Wells Fargo : Upon contacting Wells Fargo with this information, I was told that they do not perform fund verification. After persistent communication, a representative attempted to contact XXXX but reported being unable to obtain the necessary information. 

Grievances : Lack of Support from Wells Fargo : Throughout this process, the assistance from Wells Fargo has been inconsistent and largely unhelpful. 
Financial Inconvenience : The delay in releasing a significant amount of funds has caused considerable inconvenience and potential financial strain. 

XXXX XXXX : XXXX XXXX of Funds : I request an immediate review and release of the deposited funds into my account. 
Explanation and Accountability : I seek a clear explanation for the delay and mishandling of this transaction, along with appropriate measures taken to prevent such occurrences in the future. 

Your assistance in resolving this matter would be greatly appreciated as I believe that the situation reflects a significant oversight in customer service and transaction handling by Wells Fargo.
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (KY)

I tried to access my EdFinancial Account to check on the status of my XXXX application on XX/XX/23. I kept getting a message that my login information was wrong, even though it was not. My account was then disabled with an Error Code 100. I tried to contact someone via the chat feature, but live chat has been disabled. I can not reach anyone via telephone. I tried to use the Email Us feature on the website, but that keeps timing out with a Bad Gateway error. I realize they are busy with payments starting back up, but their customers need to have access to their accounts to plan accordingly. I provided them with the tax information they requested and haven't heard anything from them in several weeks.
Consumer complaint received 2023-12-06
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. (PA)

Purchased concert tickets on XXXX  using chase credit card. XXXX was original ticket issuer. XXXX voided the tickets due to fraud. I requested a refund from XXXX but they continue to refuse to cancel. I disputed transaction with Chase but they sided with the merchant. XXXX email attached
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had two Capital one credit cards ( GM and XXXX XXXX ) for over seven years and over this period I have requested credit line increases to each account and was denied each  time. 

The general reasons for declining, poor credit history, too many open accounts with balances, etc., I understand. However, each of my requests were, these credit cards are not eligible for credit limit increases and we are working on it. My question, after seven plus years? 
I spoke today to a Capital One representative and he says the only viable solution is to apply for another card. I suggestedthe two small limits ( $ XXXX and $ XXXX ) be combined and was told again, these two cards are not eligible for combining. 
I mentioned I did not want a hard inquiry for this seemingly internal issue but he did not offer any other alternative. 
I am asking for a practical solution to this problem instead of the seven+ years of runaround which is totally unacceptable at this advanced technology stage.
Consumer complaint received 2023-12-15
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. (CA)

Hello Hope you are doing good On XX/XX/2023 ( 2 month ago ) I tried to do XXXX XXXX and i was searching on XXXX and found one company which it was so professional and i emailed them, they responded professionally and they provided me some services with price which i attached on this complain And request them for services and they promised me to do the XXXX job in 30 Days and after 3 weeks of contract i tried to contact them but nobody didnt respond and they didnt even answer the phone And i waited till 30 day as of they promised on contract to do the job and after 30 day tried calling them again but no Respond I opened a dispute claim and also fraud Claim with CITI BANK and sent all information including emails and Contract but they refused to pay back and still showing investigation on your behalf and no body doesnt give me any information in this bank, someone scammed on me and fraud me and they steal my money and i Cant do anything and the bank refused to pay back and also they remark my credit report what it wasnt my Fault that they scammed me and someone fraud my money and stole it Please please fallow up and investigate this issue The company name is XXXX XXXX And amounts charged and dates is : {$3700.00} XX/XX/2023 and {$9500.00} on XX/XX/2023 Dispute claim opened on XX/XX/2023 And fruad Claim opened on XX/XX/2023 Which the scammer mentioned on contract they will refund full amount if the customer didnt get any services and I didnt get anything even phone answer Also invoice screenshot has been Attached on this Claim Thank you
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.