davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (FL)

Venmo froze my account for no reason at all and did not give me a heads up. They have all of my money and I haven't been able to feed my XXXX grandchildren that I have custody of. This is all the money that I have. It's been since last week and I haven't been able to buy groceries. I am crying and begging someone to please help me. I'm not rich and I am very poor. I have almost {$300.00} in the this account and it was got groceries for these babies. Please, Please someone help me. We also had a bad storm come through my town and we have been out of electricity for 13 hours already. People are trapped in their homes and many are dead. I need to feed my sweet granddaughters. I have sent in my driver 's license and changed my email address and password. I have done everything they have asked me to do. Can anyone please help me? How is this fair? This is my hard earn money that I work hard for to feed my children.
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am unsure of how I have gotten to this point of this juncture as I was very persistent with my communications with my Servicer SPS Servicing. We spoke on occasions that the pandemic influenced moratorium exercises did cause a bit of delinquency. I thought the outcome at this juncture would be much better after conversing with Relationship Manager XXXX and Obudsman XXXX, in which they assured me of no issue in assisting with retention. 

On the XXXX or XXXX of XXXX I sent in my modification documents and I am simply asking for them to reinstate my mortgage due to hardship. My daughter is still in XXXX XXXX, and brother still scheduled for a XXXX XXXX. Currently I am taking a XXXX XXXX XXXX XXXX so that I could be an assistant to my brothers ' needs. 

I am in a hardship situation at this moment coming out of the Pandemic with all the other issues surrounding me.
Consumer complaint received 2024-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Esusu, Inc. (TX)

Subject : Complaint Regarding Security Fraud and Privacy Act Violations I hope this letter finds you well. I am writing to bring to your attention a serious violation of the Securities Fraud and Privacy Act of 1974, as well as FCRA violations and non-public personal information violation under 15 USC 6802. These violations have been committed by ESUSUXXXX XXXX XXXX  without my written or verbal consent, resulting in the unauthorized reporting of my personal information on a consumer report. This report has caused serious Damage to my Consumer Credit with no prior written contracts agreement.

To provide some background, ESUSU/XXXX XXXX XXXX is a company that I have had no prior dealings with, nor have I given them any authorization to access or share my personal information. However, to my dismay, I recently discovered that they have obtained and reported my personal information on a consumer report without my consent.

This unauthorized access to my personal information is a clear violation of my privacy rights, as outlined in the Security Fraud and Privacy Act of 1974. Additionally, the FCRA violations and non-public personal information violation under 15 USC 6802 further compound the severity of this issue. These regulations exist to protect consumers like myself from unauthorized access and dissemination of personal information. violation fees are {$1000.00} per violation per day of continuous reporting as well as emotional damages for findings the cause in the dropping my consumer credit across all the major reporting agencies.violation last report date indicates XXXX XXXX at a non mailable address where as my current address has been updated for the past 2years after last reported date of completed payment I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against ESUSU/XXXX XXXX XXXX for their blatant violation of these laws. I also request that you ensure the immediate removal of my personal information from any consumer reports and databases that ESUSU/XXXX XXXX XXXX may have shared it with.

Please find attached any relevant documents or evidence that may assist you in your investigation. I am also willing to provide any further information or assistance that may be required to resolve this matter.

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take swift action to rectify this violation and ensure the protection of consumer rights.

I look forward to receiving your response and resolution to this issue.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (GA)

To the Officer in Charge, I am writing to provide additional information and an update regarding my previously filed police report ( Incident # : XXXX ) from XX/XX/XXXX. Upon further review and having now secured complete access to all three major credit bureaus, I have identified additional unauthorized financial activity that was not included in the initial report due to the aforementioned limited access. 

On XX/XX/XXXX, while preparing for a prospective home purchase, I conducted a thorough check of my credit report. It was during this check that I first became aware of the fraudulent accounts. The original police report lists some of these accounts. However, I have since discovered XXXX more accounts and a credit inquiry, as detailed below : GM Financial Account : Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$21000.00} XXXX XXXX XXXX Account : Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$19000.00} Additionally, there was a hard inquiry that I did not authorize, which may be connected to this fraudulent activity and is from XXXX. I suspect that my personal information may have been compromised as a result of the XXXX XXXX XXXX XXXX, an incident in which my details were confirmed to have been exposed. There is a possibility that this exposure has led to my information being accessible on the dark web, which may have facilitated this fraudulent activity on my credit report. 

I would like to request that this new information be formally added to the existing report to ensure that all fraudulent activities are thoroughly investigated. Furthermore, I am taking all necessary steps to dispute these accounts with the credit bureaus and have placed fraud alerts on my credit files. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

After analyzing my payments with my accountant, we both noticed unusual Principal/Interest/Escrow payment applications. My mortgage is a Conventional Loan with a 4.25 % interest rate. My balance {$310000.00} and only {$370.00} ( approximately ) is going to principal, and {$1000.00} is going to interest. When I called to ask about this payment application, the SPS representative claimed that my loan modification with a former lender in XXXX changed the amortization schedule and they were applying funds according to this new schedule. Furthermore, SPS informed me that I somewhere, somehow was - {$7000.00} in my escrow account with negligible increases in Homeowners Insurance and Taxes. 

They increased my mortgage payment from {$2100.00} to {$2700.00}. They stated that they " no longer '' spread out escrow shortages over 24 months, and shortened this repayment period to 12 months thus my significant increase in my mortgage. Strangely, after living in my home for 26 years, I have never paid more for my mortgage, yet I have never seen less go towards my principal. And most importantly in the year XXXX I paid a total of {$32000.00} ( that is {$2700.00} a month! ) to my mortgage company and less than {$5000.00} went to my principal ... over {$10000.00} went to my Escrow, and they are still claiming a shortage. My taxes and interest are XXXX XXXX. This is a signficant change in my mortgage payment and the increases are unreasonable. Most importantly the way the are applying my payments is deceptive and a breach of contract.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2024 Dear XXXX and CFBP, It has been over 90 days since I made my initial dispute against the fraudulent late payments on a few accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance.

Accounts 1. XXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) 2. XXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete the late payments on this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my consumer credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Novation Inheritance LLC (IL)

I was approved on XX/XX/2023 for a {$15000.00} probate advance loan. Papers were emailed to me. I had to hire a notary for {$35.00} to sign for me. Sent them back into the company. Received a call the next day and was told they could not proceed. I asked for a deniial letter and the reason. All I received was a denial letter that they could not give me the loan. I'm in the midst of trying to find housing because of the estate and now and have no money and was counting on this advance to find new housing.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (NV)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Absolute Resolutions Corp for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Absolute Resolutions Corp., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Absolute Resolutions Corp continues its collection efforts, I will file for litigation for actual damages caused and Absolute Resolutions Corp., shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

We have an escrow account to pay our property taxes and insurance. On XXXX Mr. Cooper, aka : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called our insurance company, XXXX XXXX XXXX insurance to request " evidence of insurance '' and there was no answer. The policy expired on XXXX. As I was speaking with XXXX in the insurance tracking center of Mr. Cooper, when I asked her why the mortgage company didn't attempt to pay the insurance policy until less than XXXX hours before it expired, surprisingly she disconnected the phone call. 
Our mortgage company failed to pay our insurance policy and got it cancelled, then had the audacity to tell us that WE FAILED keep insurance on our home. Subsequently, they purchased a different, and substantially more expensive policy with less coverage which caused our payment to go up. We are XXXX XXXX XXXX and retired and can not afford to have this burden. Please help us and let us know what remedy is available to us. 
Thank you. 
XXXX  XXXX
Consumer complaint received 2023-08-30
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. (GA)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 2024-01-09
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I was given 2 Amex gift cards from my job, one for XXXX USD and the other for XXXX USD. I tried using them in multiple vendors including XXXX and XXXX. I have been unsuccessful in all of those cases. Whenever I tried to look at the balances for the cards it showed authorization holds for such vendors but nothing else. I was reading online that Amex gift cards end up having poor customer service and often people face long waits on hold without having their issues resolved. It's been suggested that I file a case since it tends to be more effective and responsive from Amex.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAVALRY INVESTMENTS, LLC (NJ)

This company is reporting fraudulent inaccurate information on my credit report. I request that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

I received a notice from Calvary stating their intention to garnish my wages. This came as a surprise to me as I have no outstanding debts or obligations to this company Prior to receiving this notice, I had not received any correspondence or communication from Calvary regarding any alleged debt, past due payments, or any other matter that could warrant wage garnishment. There was no opportunity for me to resolve any issues or dispute the claim before they took this drastic action.

According to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide written verification of the debt upon request. I have not received any such verification from Calvary.

By attempting to garnish my wages without providing proper verification of the debt and without giving me an opportunity to dispute the claim, Calvary has violated my rights as a consumer. This has caused unnecessary stress and financial hardship.
Consumer complaint received 2023-09-22
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. (TX)

In accordance with the fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions
Consumer complaint received 2024-01-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd. (TX)

I called the company to set up payments. The agent told me what the debt was for before identifying who I was potentially releasing my information to a third party. She then refused my payment and proceeded to over talk me. I asked for a supervisor who threatened to report to my credit even though Id be making payments. He ignored my concerns about the previous agent. I dont appreciate the level of disrespect and the threats against my credit.
Consumer complaint received 2024-01-08
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I am a XXXX My Amazon store card is showing an increase in my monthly Amazon Prime rate that I was not made aware of and I am still a XXXX When I called synchrony to dispute I gave the wrong amount to dispute and was told I can not change my dispute. This is a very unfair practice and it is harming a consumer.
Consumer complaint received 2021-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

This account on my credit report should be removed as soon as possible I did not authorize anybody to sign me up for this account this account is fraudulent activity if this doesnt get resolved as soon as possible I will use legal action
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-08
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (OH)

XXXXOpen account # XXXX at Sam 's Club for a Synchrony Master Card and never received invoice for the account number XXXX. 
XX/XX/2023 Received text that I was late with first payment for Account XXXX that I still had not gotten.I called and talked to agent from Synchrony and explain that I had not gotten any invoices from them and he said I owed {$28.00} which I went to Sam 's club and paid {$28.00} on XX/XX/2023. 
I have original receipt that I paid. I told them to close account for # XXXX, I cut up card and never use it again. Synchrony Bank applied it to different account number that I did not sign up for and every month there after they keep billing me for different amounts and adding interest, penalties and threats. 
I am getting invoices, texts and letters each month and i have called them each time and have to spend one half to two hours on telephone trying to get this resolved.
Consumer complaint received 2024-01-08
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: SYNCHRONY FINANCIAL (TX)

Hi, I disputed the unauthorized transaction for SYNCB / AMAZON with XXXX, and the dispute report # XXXX did not find the mistake. 
Back in 2014, I found many fraudulent transactions and called Amazon to cancel the account, but it kept sending the statement to ask for the payment I did not authorize. 
It affects my credit score a lot. Could you please help me to solve this problem? 
Thank you. 

Best regards, XXXX XXXX
Consumer complaint received 2024-03-26
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. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CA)

My business account number XXXX with Wise was closed unexpectedly on XXXX of 2023 while a payment from XXXX was being transferred to it. 

The funds already left my XXXX account however I'm not able to access my Wise account to confirm I received them since it was closed. 

I also didn't receive any reply from Wise support when contacting them regarding my final balance and when/how I would be able to withdraw it. 

The amount is about {$6500.00}. 

Attached is a copy of my Wise bank account and the transaction confirmation from XXXX.