davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
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: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-12
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: EQUIFAX, INC. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (FL)

Closed on new VA Home loan and assumption on XX/XX/2023. Included in my closing docs was a letter stating my mortgage was being transferred to Loan Care LLC and my XX/XX/XXXX payment should be made to them. The problem is that Loan Care had this security / ransomware event and thus, they have no record of my loan. 

In addition, I am a XXXX XXXX XXXX XXXX  and trying to get Escrow fixed due to lack of property taxes in Florida. I cant do anything as they have no record of me. 

I can't pay anything to them because there is no record of the mortgage itself. The originating lender ( XXXXXXXX XXXX  ) has been no help since they transferred the loan to them. All my calls to Loan Care ( after waiting hours ) have been no help as they state to just keep checking back. Loan Care has no email address to send anything to them. Not sure where to go from here but wanted it documented somewhere.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MO)

This is in regard to application reference number XXXX. 

I believe that Chase engaged in deceptive marketing / customer service practice, which in turn caused me consumer harm. Please see below. 

Every two years, I cancel my credit card product with Chase / Southwest when I am eligible to apply and receive the promotion they were offering. I have never had any issues with this prior to this occurrence. 

On XXXX, I spoke to a Chase credit card agent who confirmed I was eligible to apply for the promotion if I cancelled my current account. I proceeded with cancellation over the phone. The agent confirmed the product was cancelled. I also verified this to be the case within my Chase app. 

Subsequently, I applied for the Chase Southwest Priority card online. 

On XX/XX/12, I called Chase to inquire about my application. They informed me I was declined for having a similar product, which is inaccurate. Because I felt deceived and I feel I am experiencing consumer harm from following what the Company told me to do and I am now without a personal credit card during the holiday season, the agent transferred me to management escalation team. I spoke with XXXX, who simply told me the decline reason and offered no further assistance. She transferred me to the complaints department. The agent I spoke to let me know that he feels no one in the Company will be able to help me. I asked to speak to someone to at least be able to reapply and utilize a promo code to access the promotion I should have had access to. He indicated that was not possible. 

I informed them I would file a complaint with the CFPB.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX i noticed a transaction on my mobile banking app XXXX that i did not recognize, after i noticed i immediately called my bank Wells Fargo and told them i did not recognize it and they closed my account and also opened a claim. After 6 days they came to a decision but i only got notified of this on XX/XX/XXXX with a letter although i had told them Email is better i also made multiple calls and they did not inform me they had came to a decision which i find insensitive because this is money i need and i trusted my bank to fix this issue for me i didnt think they would refuse to give me money took out of my account and wait this long to infor me me on top of that. I have been using XXXX and banking with Wells Fargo well over 2 years and over this time i have sent and received more than XXXX XXXX transactions and haven't had a problem with one. They say it was an authorized transaction which makes no sense because i didn't get an email or a call to authorize a transaction of that amount which i usually get, i have since requested the documents to this decision.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mar Joe Enterprises (MI)

On XXXX i sent a letter to the address that was on file on my credit report asking for validation And i got a letter back stating this letter was returned back to me. Because they could not find account or my name in their records The company that sent me the letter was XXXX FORMERLY XXXX
Consumer complaint received 2020-09-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace  period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have always maintained timely payments on this account, ensuring that they are never overdue. I'm perplexed by the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b, any billing errors should be rectified.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (IN)

Venmo wouldn't let me access any of my paycheck from my direct deposit and or anything out of my only account for 7 whole days now. I have no money and every day that I called them they just tell me that they can not do a single thing to help me. I have children to feed and an electric bill that was due which occurred for my electric to be dissconnected.
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc. (MI)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against SELF FINANCIAL INC / LEA for Violations of Consumer Rights Dear CFPB, I am writing to formally lodge a complaint against SELF FINANCIAL INC / LEA for engaging in practices that violate my rights under federal law, specifically under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Violations Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information about the debt. Despite my request for such information on XX/XX/year>, SELF FINANCIAL INC / LEA has not provided any validation of the alleged debt. 


Premature Reporting to Credit Bureaus : Without providing the required validation information, SELF FINANCIAL INC / LEA has placed a collection account on my consumer report. This action violates my rights as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which states that consumers must be given a chance to dispute the account before it is reported.

Use of False, Misleading, and Deceptive Means : SELF FINANCIAL INC / LEA has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt, contrary to the provisions of the FDCPA.

Unauthorized Reporting to Consumer Reporting Agencies : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all necessary disclosures before furnishing any account information to consumer reporting agencies. SELF FINANCIAL INC / LEA has furnished account information without complying with these legal requirements, constituting a clear violation of these statutes.

Requested Resolution I request that the CFPB take the following actions to address this issue : I am Requesting Debt Validation from SELF FINANCIAL INC / LEA I am Requesting Purchase Agreement between SELF FINANCIAL INC / LEAand the original creditor I am Requesting that SELF FINANCIAL INC / LEA furnish proof that they are Licensed and Bonded Investigate the practices of SELF FINANCIAL INC / LEA and enforce appropriate penalties for any violations of federal laws.

Require SELF FINANCIAL INC / LEA to cease all collection activities on the disputed debt until they provide proper validation as required by law.

Ensure that SELF FINANCIAL INC / LEA removes any and all information related to this alleged debt from my consumer report until the proper validation and disclosures are provided.

Prevent SELF FINANCIAL INC / LEA from engaging in further communication with me through email/text/call.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (MA)

Reported a fradulent account to paypal who is scamming people. Paypal dismissed the claim and refused to even take note of the account or perform any action to stop anyone else from getting scammed by the fradulent account.
Consumer complaint received 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (FL)

In 2020 I went to the XXXX dealer to get a new car, I got a XXXX XXXX for XXXX for a term contract of 72 months thats a low value vehicle for 6 years, clearly moneys were moved around to make the prices jump so much. upon leaving the dealer the total for the car was at XXXX years later i see i still owe XXXX so i started to do the math and research and i've come to find there were many violations that i was unaware of when buying the vehicle that i wasn't made aware of the sum of all charges were insurance should've been included, consumer credit transaction is cash on hand and that didn't happen either, the laws and fees were not disclosed properly and fed lies off of a good faith agreement rather than a consumer credit transaction.upon finding this i reported to the bank and they said they would hit my credit until the issue was resolved while i filed a complaint. 
In accordance with the fair credit reporting act this creditor ALLY FINACIAL has violated my rights under 15 USC 1681 section 602 I have the right to privacy, 15 USC 1681 section 604 a section 2, It also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2024-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

My Venmo account was temporarily suspended after a friend sent me money for rent and a few other bills. Venmo emailed me telling me it could take up to XXXX business days for an account XXXX to reply after I send my ID, but if I dont receive the {$950.00} that was lent to me yesterday I could potentially face eviction and/or late payments on bills.
Consumer complaint received 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (VA)

I recently financed a vehicle with Ally. Made the first payment in XXXX via their website. In XXXX, I could not make a payment from the website or app as my account does not have the vehicle/loan information in it. I've called Ally MULTIPLE times to get this fixed. Most that I talk to have no idea what's going on or why. After finally getting a manager to talk to me, she told me they had a system issue and working on it. I was told this last week ( XXXX ). It's been down since the second week of XXXX. The only option they now give me to pay my loan is via phone to a third party that charges a fee to make the payment. This bank has issues and something larger than being revealed. ( breach, hack, incompetent, whatever it is ). All I want is to be able to pay my loan, see the loan data ( interest paid etc ) and NO ONE there can help me.
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have sent several time stamped letters to this company requesting my original signed contract that I owe this debt, each time I am just sent back some kind of statement that they claim is mine. Recently when I sent the last request for validation, I received a letter in return that they will no longer be conducting another investigation of my dispute, and stated they will no longer respond to me when the information I have actually requested has not been provided. I would like my original contract binding my signature proving that I owe this debt that they are reporting on my credit. They are also calling from several different numbers on my phone through out the day, Im sure this is a violation of my credit rights
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (FL)

Debt Recovery Solutions , LLC has been attempting to collect a debt attributed to me in the amount of {$2000.00} and they have been reporting a collection to the major credit bureaus significantly affecting my credit history. Using consumer protection laws, I ask that remove collection reports immediately if do not have sufficient evidence of my liability for a debt.
Consumer complaint received 2023-12-13
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. (FL)

XXXX XXXX XXXX XXXX XXXX This is completely inaccurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX  I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX This is not accurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX  I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report XXXX XXXX XXXX  This inquiry was not authorized, please remove it from my credit report
Consumer complaint received 2023-10-09
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: DISCOVER BANK (CA)

I applied for a Discover Credit Card on XX/XX/23 and got denied, regardless of the reason for being denied I have the right to credit, withholding my access to my XXXX XXXX XXXX fraud youre violating the Equal Credit Opportunity Act and consumer credit protection act since you are denying me my credit please retract my application thank you. XXXX XXXX XXXX attorney in fact for the all-capitals name XXXX XXXX XXXX
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DRB-40, LLC (TX)

see attached I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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.