davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (CO)

Cavalry is attempting to sue on a debt that fell delinquent in XXXX of XXXX, over 6 years ago which is well outside of the stature of limitations to sue in the state of Colorado. To top it off, it is to my knowledge that this debt was settled 2 years ago and has since been removed from my credit report.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have never did any type of business with this merchant and I have been a victim of identity theft I took the steps that were recommended. And what's strange is i never have received one letter from the merchant I'm requesting immediate removal from credit file
Consumer complaint received 2024-01-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (TN)

I need to understand why i am getting charged interest AND a customary fee EVERY 2 weeks. The interest i understand but the customary fee is illegal and unfair. It's 260 % of the loan EVERY 2 weeks. Based on what i have read and discussed, MoneyKey is violating federal law and stealing money from it's customers. If i am wrong then please explain this fee to me.
Consumer complaint received 2024-01-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (MN)

Someone rang the doorbell at XXXX XXXX CST on XXXX XXXX My landlord answered the door and told them he was not me and I wasn't available. The person at the door just dropped the papers. Papers that were not in a sealed envelope and had all of my personal information on them. This is an attempt to release my confidential information to a third party about an alleged debt. Second, these documents are made to look like an official court summons but is not. It doesn't have a docket number on them and just has an internal number attached. This is using unfair debt collection practices to intimidate me. Third, I do not know what this debt is and have never contracted any kind of debt with the entity they are claiming I owe. This is attempting to collect on a debt that is not mine. Lastly, I have contacted this company in the past and explained to them how I am on XXXX, medical and XXXX government assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The only meager amount of money that I make is from selling my personal items online. I am XXXX currently and do not take kindly to being harrassed. I asked them to stop all contact with me now and in the future which is a further violation of my rights and is harassments.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX I requested a wire in the amount of {$350000.00} from my savings account to Citibank to a brokerage account at XXXX. I was later informed by XXXX that the recipient information was incorrect. On XX/XX/XXXX I provided Citi with the corrected recipient information and was told the wire would be processed. After 3 days of trying it became clear to me Citi was not able to send the wire, so I cancelled the transaction on XX/XX/XXXX. I was told it could take up to ten business days for the funds to be returned to my account. In spite of multiple inquires each week, it took until XX/XX/XXXX for any of the amount to be return, and only {$340000.00} has been returned to date. Multiple Citi customer service professionals have told me they do not know why the full amount has not been returned, and they don't know hold long it might take to resolve this matter.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I was shocked to learn from a Chase Paymentech agent that my business funds had been held since XX/XX/XXXX due to the erroneous information that I had been deceased since XX/XX/XXXX. 

When I reached out to customer service, they informed me that attempts were made to contact me in XX/XX/XXXX via phone and email to verify the information about my supposed death. I want to emphasize that I never received any calls or emails from Chase Paymentech about my death. Plus Chase Paymentech was not able to forward me any emails, phone or voicemails that were done in XX/XX/XXXX. 

As a regulated financial institution, I believe they must verify critical information such as a client 's death with official documents such as a death certificate from the New York State Department of Health or other relevant authorities. 

Once I proved that I was indeed still alive and got all my business funds back into my account. I reached out to the Account Escalation Specialist IV Chase Merchant Services - Escalation & Complaints to get the name of the entity or individual who gave them that information, and a copy of the death certificate used to determine their decision to hold my business funds. I need that information to correct it and prevent any future problems that could be dangerous for my business. 
Then I was told by the Account Escalation Specialist IV Chase Merchant Services - Escalation & Complaints that my social security shows that I was deceased. 
I called and verified directly with them and they do not have that information. I even went to NYC Vital Records to get a death certificate ( absurd right? ) and they laughed and told me to move on. 

As a business owner, I need to protect my company and identity. 

I made several attempts with the Account Escalation Specialist IV Chase Merchant Services - Escalation & Complaints and she refuses to give me that information. 

This is potentially an attempt at identity theft that I would like to correct and report to authorities. How can I be sure that any other of my business or personal information has not been compromised?
Consumer complaint received 2024-01-29
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MD)

I got a merchandise that was supposed to be for zero interest payment for 5 years as told by the agent at the store and I have been making my payments expecting it to be less than XXXX XXXX. Then the homedepot credit card came and raised the interest to a point I am unable to afford. The credit card have been canceled a long time but they are still increasing fees each month
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NY)

My complaint is that they will not waive the interest charge in XXXX. I have been Marcuss customer since the card got transferred to them and have always paid off the balance. 

I made one mistake and somehow the autopay to payoff the entire balance stopped. I paid off the remaining balance 2 days after my minimum payment was made. Somehow the interest fee was {$100.00} for 2 days. They refuse after 10 business days and multiple calls to waive the interest this one time.

I think they should allow forgiveness for a fee or interest at least one time in the life of the account.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (OR)

Greetings, I sent a registered security to Discover financial XXXX XXXX XXXX, for card account # XXXX and card account # XXXX. I was then in phone contact with a correspondence for XXXX XXXX XXXX that goes by the name XXXX XXXX XXXX XXXX told me that I must pay them in US Dollars according to the card member agreement I signed. I asked for written notice on this and received a letter which you can find as exhibit 1a ( attached ). She said in her letter that she could not provide me a signed copy of the agreement. I was also told over the phone that my securities that I had sent in were being sent to the proper department that handles them. These securities were kept and used by Discover. The evidence I have of this is that they were never returned to me nor did any one send written correspondence to let me know I did any thing incorrect other than not pay in US Dollars, which I will add there is no agreement to that. I then sent more letters asking for clarification along with attempting to keep Discover in honor. They refused to answer my questions and respond to my letters appropriately. I have attempted to fix this matter with Discover for many months now and It seems they are going to continue to violate my rights and commit crimes such as securities fraud against me. I have attached to this complaint all of the information and written communication between myself and Discover for your review. I provided Discover with all applicable laws, codes and statutes to keep both myself and Discover within honor. I recently received a letter from discover that is telling me they took steps to block me from discussing this issue any further ( Please see exhibit L attached ). Discover has also began to report negatively on my credit report ruining my name and causing distress and harm to my life. As you will see in exhibits A-L attached I have tried every thing I can to get Discover to act lawfully in This matter. Please help me settle this matter before I have to bring it to legal proceedings. 

As a side note, I have been sending a CC to XXXX XXXX XXXX at Discover Bank, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also to XXXX XXXX XXXX Discover Financial Services, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Also to XXXX XXXX XXXX Discover Financial Services, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  I have done every thing I possibly can to resolve this with Discover Financial. They refuse to do business in proper form and honor. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (FL)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00}
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Was ALLEDGED sued by Protfolio recovery in XX/XX/2017 never received any documentation from them was never served and first learned about it from XXXX informed me of a garnishment Ask the lawyer a firm XXXX XXXX XXXX for any type of documentation was Told we can't give you anything I was nevered served so what Was there answer a few day after a person by the XXXXXXXX XXXX XXXX XXXX yes that was What she said her name was I stated That first I wanted some type of documentation second I was going to try and find a lawyer and third find a complaint with the CFPB she stated then I can't talk To you XXXX XXXX
Consumer complaint received 2024-01-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

PENNYMAC LOAN SERVICES LLC COMMITTED GRAND THEFT AND FORGERY AGAINST MY NAME AND PROPERTY! I AM XXXX AND WHEN I HAD TO LEAVE MY HOUSE FOR AN OPERATION THEY BROKE IN AND STOLE IT. UPON RECEIVING SOME OF THE DOCUMENTS I GOT TO LOOKING AND THEY WERE BRAVE ENOUGH TO FORGE MY SIGNATURE MULTIPLE TIMES. ONE OF THEIR EMPLOYEES CLAIMED THAT THEY MAILED ME SOMETHING AND I DIDN'T RESPOND IN 5 DAYS SO THEY ASSUMED I HAD ABANDONED THE PROPERTY EVEN THOUGH ALL OF MY BELONGINGS WERE INSIDE. THE EMPLOYEE STATED THAT SOMEONE DID IN FACT BREAK INTO MY HOUSE AND CHANGE THE LOCKS. THEY THEN SOMEHOW STOLE MY DEED TO THE PROPERTY AND SOLD MY HOUSE TO THE HIGHEST BIDDER WITH OUT EVEN NOTIFYING ME. THE EMPLOYEE ASKED IF I HAD NOTIFIED PENNY MAC THAT I WASN'T GOING TO BE LIVING AT THAT PROPERTY FOR A COUPLE MONTHS AND THE ANSWER WAS YES. PENNY MAC IN FACT WAS SENDING ME MAIL AT MY PARENTS RESIDENCE. I HAD HEALTH RELATED ISSUES AND WAS NOT ABLE TO TAKE CARE OF MYSELF PHYSICALLY SO I HAD TO MOVE BACK HOME FOR A SHORT AMOUNT OF TIME. They stole property from a XXXX  person. They also filed taxes using my social security number and forged signatures. The last time i called to ask questions the employee asked me this " well what logo is on the piece of paper? '' And as i'm describing it to her there were huge differences in logos. That only pertained to that one document and also the packaging that all of the documents came in was different. So that's how they are trying to avoid punishment by claiming they werent the ones who sent the documents... They sent out a huge packet of fake documents almost 60 days after i originally asked for them. Some of the documents say page 8 of 9 and the bottom will say 1 of 3 on the same document. They are cleary forged. The employee also told me the reason they can break into my property is because they have invested in it. The weird thing is my promisory note never mentioned their name at all. The employee claimed they sent me an offer in the mail and I didn't reply so that gave them the power to start a contract with them that involved me being in debt.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX I opened a joint checking and savings account with Citizens bank online. I deposited {$190.00} into my One deposit checking and {$1.00} into the One deposit savings with my husbands XXXX banking ( XXXX account ) I received the confirmation along with a transaction ID and my account numbers and the money was removed from my husbands bank account ( not showing pending ). 

On XX/XX/XXXX I went to log on to my Citizens online banking and saw none of the money that was deposited actually was posted into that account. so I called Citizens, the lady I spoke to stated there was no deposit made. I advised her I had the transaction Id number and it was not pending with the XXXX Bank account ( XXXX ) She said it can take a couple days to show so I was okay with that response and we ended the call. 

The very next day I was completely locked out of my online banking account and when I called they said the account has been flagged and closed and I would receive a letter in the mail stating why. 

A couple days later I received a letter, it did not state why the account was closed but that I would be receiving a check in the mail for the deposit i made. 

A couple weeks go by after no check so on XX/XX/XXXX I called Citizens bank to see what was going on with my deposit. They said when my account was closed there was a XXXX dollar balance and they don't owe me anything. I have the transaction ID as well as my bank statement showing the deposit to citizens bank. I advised the lady that was incorrect and gave her the transaction id and account numbers. She said there was nothing she could do. I am out {$200.00} and completely baffled that this is acceptable.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MA)

I am unable to login to my Chase account online. Tried calling customer service and they were unable to help me. Spoke to XXXX XXXX, then XXXX ( declined to give last name ) and then XXXX XXXX. All three of them were unable to assist in getting me logged into my account.
Consumer complaint received 2024-04-08
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. (TX)

I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

Please update all disputed items below to paid on time and never been late.

Update/Correct payment history to paid on time immediately! 

XXXX XXXX  Account number : XXXX, Inaccurate. 
Past due needs to be updated, to be paid on time and never been late XXXX : Account number : XXXX, Past due needs to be updated, to be paid on time and never been late
Consumer complaint received 2024-01-29
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 (FL)

On XX/XX/2023 I bought a pair of shoes at a website called XXXX for an amount of XXXX, my order was shipped XX/XX/XXXX WITH the TRACKING NUMBER XXXX through XXXX. According to this seller was item then was deliver on the XXXX the XXXX under a different tracking number XXXX. I tried first to contact the seller and he send to usps to get a lost mail " certificated '' but when I went there the item never arrived to usps, I to tracked the through usps the label said " Label created, not yet in the system so I contact the customer service of that company XXXX and submit a dispute for 4 days and they denied me because the seller have proved of delivery. 
So I request to be send the proof of delivery to the seller and when I said proof of delivery is that usps take when they deliver a item that can not fit in the mail box like this air of shoes. The seller couldn't not provide proof of that, I talked with the customer service and they refer me to XXXX but when I contacted them they send me back to USPS. So I contacted USPS to get a proof and she said that unfortunately the item was never in the system so they could not provide any proof other that was the screenshot of the tracking in the usps website. I already have bought item outside of the country the tracking number never changes and they are also able to be tracked in the usps website, a status of 'label created, not yet in the system means that usps is still waiting for the item so this seller never send the item.

When I contacted my bank they denied my three times my dispute saying that they seller have proofs of the delivery even though I send them all the SC shoot of them and the seller going back and forth and not been able to proved proof of delivery outside o the tracking number in the website called XXXXXXXX XXXX as well the reviews of other customers not receiving their packages.
Consumer complaint received 2024-01-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Westlake Services, LLC (FL)

I am submitting this comprehensive complaint against Westlake Portfolio Management , LLC, for engaging in a pattern of unethical practices and legal violations across multiple states. These practices include unauthorized legal representation of XXXX XXXX XXXX XXXX XXXX, financial misconduct related to alleged debts, violation of a cease and desist order, and harassment, including skip tracing attempts. 

XXXX of Facts : XXXX. Cease and Desist Order Violation and Harassment : In violation of a cease and desist order issued in 2023, I have received unsolicited calls from Westlake Portfolio Management, including calls from the number XXXX. These calls, which I believe are attempts to skip trace my location, constitute harassment and a direct violation of the order. 

XXXX. Unauthorized Legal Representation : Westlake Portfolio Management has been using its counsel, XXXX, XXXX & XXXX, to represent XXXX XXXX XXXX XXXX XXXX, in state cases across XXXX XXXX XXXX XXXX XXXX XXXX, without authorization. This misrepresentation raises ethical and legal concerns. 

XXXX. Financial Interest in Alleged Debt : Westlake Portfolio Management holds a financial interest in the alleged debt of XXXX XXXX XXXX XXXX XXXX, influencing their legal actions and representation strategies. 

Allegations and Relevant Laws : - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, for engaging in deceptive and abusive debt collection practices. 
- Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227, for unauthorized telephone solicitations and the use of automated telephone equipment. 
- Potential Violations of State Bar Association Rules and Ethical Standards across multiple states.
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX XXXX was wired to a company called XXXX XXXX  for services. On XX/XX/XXXX another XXXX was wired to this company for services. All funds where wired from Wells Fargo. Once I realized that the company was fraudulent and I was scammed, I contacted the bank and was told there was nothing they could do. Type this company name in on XXXX and you will see lawsuits due to fraud.