davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY CREDIT SYSTEMS INC (NV)

No. XXXX. The matter is reported to the authorities. United States Department of Education, get these perjurous, panhandling frauds out of my inboxes. XXXX XXXX XXXX  XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Consumer complaint received 2024-03-29
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 (IL)

Venmo deactivated my account on XX/XX/2024 they didnt tell me the specific violation against their agreement terms that I violated I asked and requested this information numerous times .. venmo wont allow me access to the funds that are in my deactivated account they wont release these funds to me or let me withdraw my money to my bank account this money is not fraudulent at all the money is rightfully mines, I have won this money from XXXX XXXX and XXXX, XXXX app Venmo only said I violated there terms and agreement that does not give Venmo the right to keep me from accessing the money thats verified and not fraudulent I demand Venmo to give me access to my money immediately .. Venmo has denied me access to my money for 180 days and this will put me in a financial crisis and I will lose my job and my home if I cant access and withdraw this money from my deactivated Venmo account asap.. I request Venmo to unfreeze my account so I can withdraw my money thats rightfully mines.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MI)

I was looking to book a flight and I was pressured by the agent at the airport to get the XXXX credit card in order to get 15 % off my flight. All the marketing states that you get 15 % off the flight and does not mention anything about requiring to have enough points to be eligible. I had to wait until my card arrived to book the flight, only to find that information out. At this point, the cost of the flight was also double the price than when I was looking at it.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I recently received an adverse reaction letter for a job. I pulled my report reference # XXXX saw that I have the following inaccurate information : EXPERIAN- my name is reporting as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting as 1989 The following are reporting as previous addresses XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX my employer as XXXXXXXX XXXX XXXX XXXX I am certain this information is why I did not get the job and would like to submit a dispute.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (MS)

My account with PROSPER CREDIT CARD was never late. I have had exceptional payment history with PROSPER CREDIT CARD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

PROSPER CREDIT CARD Never Sent the periodic statement along with the disclosure from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-03-27
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: GOLDMAN SACHS BANK USA (TN)

I made a purchase of a new battery from XXXX. The battery had issues ( the location I purchased from didnt know how to install a battery ). I had to go to a second location and they commented that the first location has issues all the time that they have to fix. The battery was arc-ing causing my car to stop suddenly regularly. I took it to the XXXX dealership and they replaced the battery commenting on the poor installation and not the right match for my vehicle. I went back to XXXX multiple times and all they would do is make me buy additional parts, but they battery wouldnt sit right in the vehicle. I submitted information to dispute the transaction to XXXX XXXX and all I got was a promise for a {$25.00} gift card, which I never received. When I contacted the credit card company, they asked for receipts and background information multiple times. They declined the chargeback.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

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 2024-03-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo enrolled me in a 60 month certificate of deposit in XXXX. I have been trying to close this account since last year. I got laid off from full-time work XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX I opened Wells Fargo complaint number XXXX at a local WF branch because there is an early distribution fee for a financial product I do not want or need. I have been a long-time Wells customer but as of XXXX XX/XX/XXXX the WF Enterprise Complaints Management Office was unwilling to waive the early distribution fee. Please contact me if you need additional information. I appreciate your help and look forward to being in touch.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/27 at XXXX XXXX, I filled out an application with Chase to open a checking account and savings account, using a coupon offer they had emailed me, which stated if I opened both a checking and savings account and fulfilled the obligations, I would receive {$900.00}. I unthawed my XXXX credit to fill out the application. The coupon offer was accepted, and I took a picture after my checking and savings account were set up. I then set up my direct deposit through my company to go into the new Chase checking account. I then scheduled a {$15000.00} transfer from my XXXX savings account to my new Chase savings account. This was to satisfy the offer obligation where I needed to have {$15000.00} in the Chase savings account to receive the Chase offer 's money. I did this transfer through the Chase website, and I took a picture after the transfer was scheduled. This occurred at XXXX XXXX. The picture included the transfer from, transfer to, amount, initiate on date, available on date, and the transaction number. I then refroze my XXXX credit at XXXXXXXX XXXX  At XXXX XXXX  I received an alert from Chase saying " Important : Please contact us To help protect against fraud, we restricted and may need to close your account soon. '' The alert was for my new savings account. I tried to log on to the Chase app and onto the Chase website, but my account was locked due to unusual activity. I called the customer support team, and I was told that both of my new accounts are locked and are going to be closed within 10 days. I was also told that I am indefinitely restricted from getting a checking or savings account with Chase. However, my credit cards with Chase are still in good standing and are able to be used without issue. I talked to three different representatives, and I escalated the issue, but no one could tell me any information besides that my accounts are going to be closed and that I can not get a Chase checking or savings account. They also would not escalate the issue any further, saying that this was a final decision from Chase. The third representative I talked to did tell me that the transfer from my XXXX savings account to my new Chase savings account had an issue on XXXX 's end, causing the transfer to be canceled. I'm not sure what the issue was with the transfer, but I suspect this is what flagged Chase and caused them to close both my new checking and savings accounts. At this time, I am still locked out of my Chase account and unable to use the app or website. I have pictures that I can attach, but it has personal information such as my name on them. If needed, I can send them.
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (NC)

I am currently facing a significant hurdle in my financial endeavors due to unverified inquiries present on my credit report. These inquiries have not been confirmed by me, yet they adversely impact my credit score and consequently hinder my ability to obtain new credit. It is imperative that these unverified inquiries be promptly removed from my credit report to restore fairness and accuracy to my financial profile. Removing them is crucial in facilitating my access to essential financial resources and opportunities. Therefore, I urge for immediate action to rectify this issue and alleviate the unnecessary burden it imposes on my financial well-being. 

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 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 2023-12-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Private Mortgage Advisors, LLC (MS)

We are currently attempting to purchase a new home while the other is closing. We had a lender for the realtor company ( Private Mortage AdvisorsXXXX XXXX XXXX pull a soft inquiry for a prequalification letter we needed to present to the sellers. 

This company instead pulled a hard credit inquiry and screwed up our credit, which I have been trying to keep a clean record of since we started the selling process of our last home, so we can purchase a new one. 

The lender questioned details he did not need to know for the prequalification also, as well as attempt to talk the realtor into getting a conventional loan with his company instead of a VA loan. He pulled the hard inquiry and decreased our odds in finding a different lender on purpose, obviously we have a credit monitoring system in place that alerts us when hard inquiries are done. We haven't had one since XXXX of last year because we were getting ready to purchase a new home and sell ours. I am reporting him to the credit bureau, but this is a formal complaint and a violation of the law.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-04-04
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I HAD NUMEROUS ACCOUNTS WITH BANK OF AMERICA FROM XXXX TO XXXX AND AS I UNDERSTAND YOUR ORDER, YOU ARE REQUIRING B OF A TO RETURN ANY AND ALL DOUBLE NSF FEES THEY CHARGED THEIR CUSTOMERS. 
B OF A HAD A HISTORY OF SINGLE, DOUBLE AND TRIPLE AND MORE OF CHARGING MY ACCOUNTS MULTIPLE TIMES FOR THE SAME UNPAID TRANSACTION OR PAID TRANSACTIONS ( I DO NOT HAVE ALL OF THE STATEMENTS NOW AS THEY ARE IN BOXES AT MY GIRLFRIEND 'S AND UNACCESSIBLE AND MANY ACCOUNTS ARE CLOSED ) I ALSO HAD TO CLOSE ACCOUNTS TO STOP COMPANIES FROM CONTINUALLY TRYING TO CHARGE MY ACCOUNTS FRAUDULENTLY. 
I ONLY HAVE ONE FORMER ACCOUNT AVAILABLE TO ME NOW WHERE THEY CHARGED MY ACCOUNT MULTIPLE NSF FEES FOR BILL PAY BUT NEVER PAID THE BILLS BUT I WOULD ESTIMATE THAT UNDER YOUR ORDER B OF A PROBABLY OWES ME THOUSANDS OF DOLLARS IN CHURNED NSF FEES IN THE 4 YEARS UNDER THE ORDER. I HAD AN ACCOUNT WITH THEM STARTING BACK TO XXXX WITH THESE ACCOUNTS AND ORIGINALLY ALL THE WAY BACK TO XXXX WHEN I OPENED MY FIRST SAVINGS ACCOUNT AS A CHILD. 
I HEREBY DEMAND THAT BANK OF AMERICA INVESTIGATE ALL FORMER ACCOUNTS AND RETURN TO ME ALL NSF FEES THEY CHURNED ON THOSE ACCOUNTS TO ME & I KNOW THAT UNDER THE LAW THEY ARE REQUIRED TO MAINTAIN BANK RECORDS OF ALL ACCOUNTS FOR 5-7 YEARS SO THIS WHILE CUMBERSOME SHOULD NOT BE AN ISSUE. 
I EXPECT THEM TO CONTACT ME AND WORK ON THIS WITHIN THE 90 DAY TIME FRAME THAT OUR AGENCY ORDERED. 
I HEARD NOTHING FROM THE BANK SO FAR AS TO MY STATUS.
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: WEICHERT FINANCIAL SERVICES (NY)

My complaint is with Weichert for my mortgage loan. The property has doubled in value since my original purchase. I paid Weichert to send their appraiser to appraise the property for the updated value in an effort to have XXXX XXXX removed from the mortgage. The appraisal was never given to me until I requested months later. The values of comparable properties were properties half the size of what I own. My neighboring comparable properties are selling to date at double what I owe on my loan. Weichert insists I have to fill out their rebuttal form to dispute the appraisal. I have called 6 times over the last XXXX months to request the form and am told it takes XXXX weeks to arrive. The form never arrives. I even changed my mailing address because Weichert said the form was returned to them. I also requested a copy of the property deed. The deed arrived no problem but the required form never arrives to date. I am also told they Weichert is not permitted to email the form and only will mail it. This is a consumer scam to force me to continue paying XXXX on my mortgage while Weichert plays games with me when I repeatedly request this form. I am reporting this company as fraudulent and practicing deceptive lending activities because when a property qualifies for PMI to be removed it should not be impossible to achieve. I hope the government shuts this financial services company down for fraud and someone should file a class action lawsuit. I have been lied to regarding this form for almost a year and all the customer service employees are trained to pretend they are following up on your complaint. Very deceptive business practices.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

Chase bank closed my accounts a checking and savings they say for suspicious activity on XX/XX/year> I contacted them to ask why and they wouldn't say just keep giving me the run around and keep telling me to call back and when I do I get a different answer why with no clarity I have been calling with no clarity on why the funds are being investigated so I ask if I needed to provide them with proof of anything again I was told no I called today XX/XX/year> and was told it's under the XXXX XXXX department never heard of that with a bank I don't feel like the bank should be all up in someone else 's business if you don't want a person to bank with you then cool close the account return the funds and let them deal with what may or may not come next banks shouldn't have the right to keep what's not theirs. Especially without explanation or communication as to what is going on.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

XXXX XXXX cashed a {$17000.00} check I made payable to and mailed to the IRS for taxes. 

XXXX XXXX got the funds from US Bank ( my bank ) and charged my account. When I received a notice from the IRS that my taxes had not been paid, I requested a copy of the cancelled check from US Bank and the bank teller told me it looked like the endorsement appeared to be forged. 

Apparently, someone acquired the check, forged the endorsement, and was able to cash the check at XXXX XXXX XXXX. Since the check was payable to the IRS, XXXX XXXX XXXX should not have cashed the check. I suspect an employee of XXXX XXXX and the person who cashed the check conspired to commit fraud and steal my funds. 

After many months of arguing this position, both banks have denied the claim. 

There is no possible way I could have known that the IRS did not receive the check until they notified me that they never received my payment. It would not occur to any reasonable lay person that the check was fraudulently endorsed when the payee on the check ( IRS ) was not scrubbed and my bank statement clearly showed it was cashed as expected. 

This has resulted in me being in a {$17000.00} hole. 

The section below is not allowing me to attach any files but I have a copy of the cancelled check I would like to include as part of this complaint.