davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the XXXX XXXX therefore exists
Consumer complaint received 2024-03-24
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. (CA)

told Experian, XXXX, and XXXX to reinvestigate these accounts 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 XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (IL)

XXXX XXXX XXXX acct XXXX an fraud account listed on my report is the amount of {$17000.00}. XXXX XXXX acct XXXX has a fraud account listed on my credit for {$600.00}. XXXX acct XXXX has a fraud account listed on my report with credit limit of {$2000.00}. Hyundai Finc has a fraud account listed on my report.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (IL)

XXXX XXXX XXXX acct XXXX an fraud account listed on my report is the amount of {$17000.00}. XXXX XXXX acct XXXX has a fraud account listed on my credit for {$600.00}. Discoverbank acct XXXX has a fraud account listed on my report with credit limit of {$2000.00}. XXXX XXXX has a fraud account listed on my report.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I was the victim of a scam that I thought was a work from home job. The scammers went as far as interviewing me for the job. Then they sent me a check to deposit and send through XXXX, which ultimately returned unpaid. Originally I sent my own money in place of the check because i believed it would clear because it looked to have been accepted. The next morning I freaked out because the scammers got access to my bank login and got me for {$1200.00}. Which was all the money in my account. I called the bank to dispute the fraud of {$1000.00} and {$200.00}. I filed a police report and a complaint with the XXXX  for the supposed data entry position of XXXX XXXX. I contacted the fake employer and was blocked. The bank took my info and filed the complaint but didn't allow me to submit my proof. After a week my bank account is closed and my claim was denied. I am unable to appeal the decision according to the lady on wellsfargo customer service which I believe to be false because the letter states otherwise. The money scammed was all my unemployment money. I had never had an issue or problem as a customer before that incident. What concerns me is the fact that the check was accepted in the first place, which led me to believe it was good. I don't know what to do. I need some help please!
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

For the credit report XXXX XXXX XXXX XXXXXXXX, there are inaccuracies for this account across all the 3 credit report which is in violation FCRA section 1681e ( b ). Also on XX/XX/23, I asked for certification of this account belonging to me from the 3 credit bureaus but I was never given this certification. For this, I believe the dispute was not properly investigated which violates FCRA section 1681e ( b ). I am asking that this account be removed from my XXXX and Experian accounts for this violation.
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

Filed suit which is set for XX/XX/23 for XXXX dollars plus court cost. I requested documentation on XX/XX/23 ( see attacked letter ). On XX/XX/23 called the company spoke with XXXX and XXXX after receiving the attached correspondence ( see attachment from Midland credit dated XX/XX/23 ). I was told by debt company they did not have to provide me with the documents I requested. I was told by XXXX I could check online and see if the requested information was there. I tried to explain according to the Fair Debt collection act the company continued to attempt to collect on debt or seek judgment, the company would be in violation of above act. I was told by XXXX I got all the information they had and refused to provide documentation showing the company is licensed to collect debts in Virginia signed application and documents showing the company had verified that I am responsible for the debt. I was told by XXXX XXXX XXXX it was my responsibility to prove the debt wasnt mine.
Consumer complaint received 2023-08-31
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. (WA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  ; Account # 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 an account without my written instructions.
Consumer complaint received 2023-11-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERISAVE MORTGAGE CORPORATION (OH)

Today, I spent a great deal of time trying to investigate HELOCS for the purpose of funding home improvement projects and paying off some high interest debt. 

After an online search, I was connected with XXXX XXXX, a broker with Amerisave. 

From the get go, I indicated that I wanted a HELOC as I already had a 3.5 % fixed mortgage rate that they would not be able to compete with. 

XXXX XXXX XXXX then pulled my credit and put together a full refinance package at 6.5 % and wasted a lot of my time. He told me the credit score he pulled was much lower than the one I had pulled TODAY and that the only way he could get me the money was to do a full refinance. He didn't bother to disclose this before I was discovered the loan disclosure documentation. He talked " around '' pointed questions that I asked about interest rate and loan specs. I then learned that the company was fined millions by you in XXXX for bait and switch tactics. I believe that the bait and switch is exactly what was attempted today by XXXX XXXX XXXX I believe he knew exactly what he was doing as evidenced by the benefits to him notated in the fees and commissions columns of the proposed loan documentation. 

XXXX XXXX XXXX deflected questions I had about interest rates and loan terms being offered by the company and pushed to pull my credit citiing that he wouldn't know what they could do until he could pull credit. I understand not being able to give exact numbers but other reputable companies will offer hypotheticals to client 's in good faith before proceeding with credit pulls. I felt very scammed by the whole process today and in hind sight feel that this is likely just the company//broker 's aggressive tactics to deceive. Most of today 's communication with XXXX XXXX XXXX  occurred via text message although he implored me to call him suggesting that it would be easier and faster for me? Perhaps, he did not want such underhanded tactics to be documented?
Consumer complaint received 2023-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (TN)

Originally in XX/XX/XXXX I requested a loan modification I mailed documents and they claimed they never received them. Again, I resent documents and on XX/XX/XXXX I received a letter approving us for a loan modification. On XX/XX/XXXX, my loan modification documents came saying my new payments for the loan modification would be {$4000.00}, which was a significant increase from my original/current payments of {$3600.00} that we were already struggling to make due to our financial hardship in our business. I immediately called Selene Finance LP to see how could a financial hardship loan modification increase my mortgage I thought my payments were supposed to decrease. They said that was what I was approved for and basically I can accept or not.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AL)

XX/XX/XXXX UCC 1- 308 I extended my credit with JPMorgan Chase & Co XXXX but I have received no benefit. The inquiry on my consumer report, and the denial of credit is on the record. Its also one of the many abusive acts, discrimination, and one of the many violations towards me as the consumer per ( FCRA ) 15 USC 1692 mentioned as well in Congressional Findings. Bringing notice to your SEC filings, we are complying with the Securities Exchange Act of 1934. Knowing that my signature was on that electronic agreement on the application gave it value as if I were to sign on paper as well as the Beneficiary according to ( ECPA ). Therefore, the application covered the finance charge for it was collateral.

I trust that all damages will be insured, and these violations will go under review for I've been denied by policy terms and not granted my Federal Protected Right as the Consumer.

( Federal Reserve Section 16 ( 2 ) Application For Notes )
Consumer complaint received 2024-01-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (NC)

My account was freezed by American Express for no reason. I can not transfer my money or use my money. I call them and a representive tried to transfer my call to the right person, but no one answered the call. I waitted more than 30 mins and the call still can not be answered. I am very worried about my money. I think they are not safe in American Express saving account.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MO)

In XX/XX/2023 I had a credit of {$2100.00}, but then in XXXX it was removed, need to know why and no one could tell me. sent me a lot of info but never told me what happened to my credit of {$2100.00}, then they sent me a refund check for XXXX which I will not cash as I still don't know what happened to the difference of {$2100.00} and XXXX. They made the check out to my husband but I am on the account too. As you can see they just took the credit off, I did not spend it, they just took it off, so Chase stole the {$2100.00}.
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

Provided payment information for my account XXXX corrected part of my credit report. However failed to explain fees put on account or provide proof of what the fees are for. Also failed to apply an entire payment for my monthly payment but used it for fees XXXX continued to report payment late for XX/XX/2022.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CO)

**Subject : CFPB Complaint COMPANYS FAILURE TO CREDIT TENDERED PAYMENT** XXXX TACKING NUMBER : XXXX Account Ending XXXX Account Ending XXXX Account Ending XXXX Account Ending XXXX Dear Consumer Financial Protection Bureau, I am writing to file a complaint against American Express regarding a failure to credit the tendered payment for the discharge of outstanding balances on the accounts listed below. This situation violates the Uniform Commercial Code ( UCC ) Section 3-603 on Tender of Payment and Section 3-604 on Discharge by Cancellation or Renunciation. 

**Details of the Event : ** 1. **Date of Tendered Payment : ** XX/XX/2023 2. **Receipt Acknowledgment by American Express : ** Confirmed on XX/XX/2023 3. **Promised Crediting Time : ** Within 7 days, as communicated by American Express . 
4. **Current Date : ** XX/XX/2023 5. **Status : ** No credit applied ; accounts still reflect outstanding balances.

**Legal Grounds : ** The Uniform Commercial Code, specifically UCC Section 3-603, governs the effects of tender of payment. According to this section, if tender of payment is made to a person entitled to enforce the instrument and the tender is refused, there is a discharge to the extent of the amount of the tender. 

Furthermore, UCC Section 3-604 outlines that a person entitled to enforce an instrument may discharge the obligation of a party to pay the instrument by an intentional voluntary act, such as destruction, mutilation, or cancellation of the instrument. The failure to credit the tendered payment within the communicated timeframe implies potential actions against my instruments, suggesting a violation of this code. 

**Requested Remedies : ** I request the following remedies : 1. **Immediate discharge of the sum total** listed on the tracking for payment, With no Adverse action against me or my accounts.

2. **Compensatory damages : ** A payment of {$1000.00} for every day American Express continues to be delinquent. ( CURRENT TOTAL : {$40000.00} ) **Explanation : ** The failure to credit the tendered payment within the communicated timeframe is a breach of contract and violation of the UCC . I seek immediate resolution and compensation for the financial harm caused by American Express 's delay in processing the tendered payment. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of American Express. I trust that the Consumer Financial Protection Bureau will take appropriate measures to ensure compliance with federal regulations. 

**Enclosures : ** - XXXX Tracking Details for the TENDER DELIVERED XX/XX/2023 - 3-603. TENDER OF PAYMENT - 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION. 
XXXX Chat Log with AMEX REP -and Notice of Billing Error Provided to American Express after Not Crediting the accounts Listed Above I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

I currently bank with Wells Fargo. On around XXXX on Wednesday XX/XX/XXXX I received a call from XXXX with a Wells Fargo caller ID, which is a legitimate Wells Fargo number. The representative informed me of supposed fraudulent charges. However, these were scammers who somehow spoofed the number. In a panic trying to stop the fraudulent charges the scammers tricked me into sharing personal information to verify my account ( last 4 of social, debit card number, debit PIN number, DL number, one-time-passwords ). The scammers used this information to continue submitting fraudulent charges. Looking back its hard to believe I fell for this but it was a legitimate Wells Fargo number. They then claimed to have cancelled my debit card and were working to refund the charges and would call me the next day on Thursday XX/XX/XXXX. I woke up the next morning and saw another fraudulent charge come through. Questioning how another charge could come through after my debit card was supposedly canceled I called Wells Fargo myself who informed me that the representative I spoke to did not work for Wells Fargo ( and then actually cancelled my debit card ). The scammers stole a total of {$7800.00} from me using the wire transfer services of XXXX XXXX XXXX. It was a very elaborate scam as they knew a lot of information that I thought only my bank could know including the exact amount of the fraudulent charges ( because they were making them ) and my checking account balance. After all of this I submitted a police report and filed a claim with Wells Fargo for the fraudulent charges. Wells Fargo temporarily credited my account while they investigated the claim. Today on XX/XX/XXXX Wells Fargo reversed the credit and denied my claim. When I called to ask for an explanation they would not provide one and simply stated my claim had been denied. I have ample evidence to prove this was fraud and Wells Fargo was unwilling to help in the slightest. Wells Fargo told me to take it up with XXXXXXXX XXXX XXXXXXXX who were also unwilling to help. This is clear cut fraud and Wells Fargo should be reimbursing me. If they refuse then it should be XXXXXXXX XXXX XXXX. The money was sent to people I have no connection with in different countries. I would greatly appreciate help in getting these funds returned, Im not sure who else to turn to.
Consumer complaint received 2023-12-17
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (LA)

XXXX at Tower Loans is a complete lier, saying they didn't say anything to my fiancee about my loan how I was lying to her, then on complaint form I sent last, XXXX 's comment saying XX/XX/XXXX is just upset he can't pay his note, she is a lier I went in afew days later and paid {$800.00} on it sometimes I don't get a check when planned I'm a Sub-contractor, she needs to respect tower loans customers and threatening poeple about going repo their belongings, to family members, not right to do
Consumer complaint received 2024-03-24
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. (NC)

It has been several months since I last reviewed my credit report, and I have discovered that some information is still inaccurate. The three credit bureaus are obligated to verify these items as per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to consider these reported items as unverified without providing evidence within the lawful timeframe. Pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I request an immediate investigation into the unverifiable items and their prompt update in my report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

I sent a letter to Citibank asking them to answer my questions regarding alleged debt. I asked for DEBT VALIDATION that they did not provide. I asked for my original application, original agreement signed by both parties. I also asked for full disclosure as per TRUTH IN LENDING ACT to be made aware who is the true party of interest in the transaction. I also asked for the licensing documents proving registration at Secretary of State that proves that CITIBANK is allowed to collect on, issue or originate promissory notes. I stated that the alleged debt is in dispute and they still say that I owe without providing any documents.They provided one page with half of it being redacted. Their response was " we believe that the debt referenced whiting the subject line of this letter is valid ''. I don't accept believes. They closed my account even though I gave them valuable consideration as in my application with my signature on and they discriminated against me by denying my right to extension of credit. 
They also reported my private non public information to third parties without my written consent as per 15 USC 1681 ( b ). They are responsible as per the policy of 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 customer 's nonpublic personal information, as per 15 USC section 6801 ( a ).
Consumer complaint received 2023-12-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MD)

XXXX XXXX XXXX have acknowledged that they made an error in reporting a delinquency in payment and delay in moving out from the apartment due to a failure in taking my name out of their active tenant list. I have proven I terminated my lease and vacated the premises at the end of the lease term on XX/XX/XXXX with prior notice submitted in writing pursuant to the lease agreement. 

Apparently, I was still listed as an active tenant for XXXX - XXXX during the period I was living in my newly purchased home. A collection agency by the name of Source Receivables Management subsequently pursued collecting efforts for the amount of {$18000.00} that resulted in a negative impact on my credit report on XX/XX/XXXX.