davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CA)

Over a month ago we called Freedom Mortgage after we received a letter from the bank, XXXX XXXX, letting us know the Escrow check that we cashed did not go through and was denied by the paying financial intuition : Refer to Maker. This letter from XXXX XXXX was issued on XX/XX/XXXX. We attempted to cash the check on XX/XX/XXXX. 

This was the second escrow check we requested from XXXX XXXX as our initial check they sent us never made it to our house. We had to call and request a new one be issued and sent to us. As stated in our note from Freedom Mortgage " An escrow surplus check XXXX, which was sent to you on XX/XX/2023, in the amount of {$540.00}, was voided on XX/XX/2023, and reissued on XX/XX/2023, with the check number XXXX. Further we reviewed and determined that the check number XXXX was cashed on XX/XX/2023. Enclosed is a copy of your payment history for your review and records '' The issue lies that we NEVER received the money as XXXX XXXX was unable to retrieve the {$540.00} from Freedom Mortgage. We have made multiple attempts to further understand why the XXXX institutions do not talk to one another, but we have not seen the {$540.00} and have made multiple attempts through all of Freedom Mortgage channels. We have also called XXXX XXXX Multiple times to ensure we are not missing anything and the money was not placed in our account. All their records indicate they were unable to retrieve the money.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I received a capital one card in the mail on XX/XX/XXXX I never requested nor do I even have an account with them after they made an inquiry on my experian account on XX/XX/XXXX. I never requested this inquiry either so they opened a credit card without my consent and brought my credit score down.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Start looking at the accounts XXXX XXXX XXXX. I believe this information may be inaccurate. I need this removed accordingly. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are multiple accounts that I didn't authorize or give consent to be opened in the first place. There are five different names,12 phone numbers, 6 addresses that are not mine. Anything that is not under my name, I want deleted immediately off my credit report. I need proof from all companies with misinformation, of my signature, & COLORED copy of my ID at the time as well. I have filed a FTC. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( m281 sw 715, 719 )
Consumer complaint received 2017-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

Please note that the issue we are having is not a selection in the " best described '' from above. 

I am writing from XXXX and we are the title insurer on the subject property. Chase holds a judgment that we need to clear because it was not cut off in the subject foreclosure action. Their debtor is the prior owner who was foreclosed upon. Our current client, the Plaintiff and Seller of the property needs to convey clear title at the REO sale, and Chase is prohibiting this from occurring. Here are the series of events for this issue : XX/XX/XXXX : XXXX Counsel, XXXX sent a proposed stipulation to JPMorgan Chase Legal Department in XXXX DE asking them to execute to extinguish the lien pursuant to the foreclosure. Chase did not respond. 
XX/XX/XXXX : XXXX faxed settlement offer to Chase to both their Judgment/Bankruptcy review department and Judgment Correspondence department. We tried to settle the lien and obtain a release. 
XX/XX/XXXX : XXXX faxed XXXX request to both departments. 
XX/XX/XXXX : Also emailed request to XXXX, XXXX, of Chase asking for his assistance since no one at Chase had responded. He was more concerned with how we obtained his email than with assisting us. 
XX/XX/XXXX : XXXX faxed XXXX request to Judgment Review. 
XX/XX/XXXX : Emailed XXXX request to Attorney XXXX since we never had a response. Again, his main priority was how we obtained his email address. 
XX/XX/XXXX : Emailed XXXX request to Attorney XXXX asking for him to please filter our request to the correct party. He called and was supposed to do so, however, we did not hear from any other persons at Chase. 
XX/XX/XXXX : XXXX XXXX was trying to assist us and reached out XXXX, whom they had contact with on another file. XXXX informed them that their legal counsel would not execute a stipulation because the lien in question has been paid, and they sent the release to the foreclosed owner ( former owner ), XXXX in XX/XX/XXXX. XXXX XXXX asked for a duplicate original, but they would not produce once until they had authorization from the owner. 
XX/XX/XXXX : XXXX faxed request to Judgment review and lien release dept., with the information that we had that the lien was paid ; asking for a duplicate and gave them the current owner 's authorization. We stated that we would be filing a claim with the CFPB if we did not hear back from them. 
Chase called us the next day responding to our letter stating that they would not give us the duplicate because they wanted consent from XXXX. I explained that would not be possible since he was involuntary foreclosed upon. Chase did not seem to care despite the fact that I told them we would have to proceed with our claim.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My vehicle was ILLEGALLY towed from my apartment building ( have lived there since XXXX  ) by XXXX XXXX. 

XXXX XXXX has been illegally and systematically towing vehicles for YEARS. They have thousands of complaints and hundreds of small claims cases filed against them for these very same actions. 

When asked why they towed my car, they failed to provide a response or even the authorization for this. My apartment manager did not know anything about why this company was on the premises. 

In essence they held my vehicle for " ransom '' sort of speak because they refused to return my vehicle, even when it was illegally towed. There is a reason they only accept cash or debit card, so I had to give them my debit card and on the receipt, I clearly wrote " DISPUTE AMOUNT '' and did NOT SIGN because this was a coerced transaction. 

I immediately filed a complaint with my debit card back, Chase, and provided them with all of the evidence to support this dispute. They failed to weigh the evidence and reverse this transaction. 

Chas failed to protect my rights.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Today XX/XX/2024 I noticed that XXXX of my accounts at Chase had been closed. I was checking in my online account because there was a charge pending for days for a flight I had reserved with XXXX XXXX for {$3300.00}. Today the charge was still pending and my accounts were closed for credit cards ending in XXXX and XXXX. I was not notified of the closing of my accounts and was not given a reason over the phone when I called several times today. I was told it was bank policy and that was it. There were other charges pending as well in both cards. Now my plans have been ruined because the charge was still pending and the flight more likely will be cancelled which is fine. I will have to use another credit card. I got transferred to an account XXXX that handles account closures but XXXX  times got an answering machine. I left a message seeking an explanation. I don't like that Chase Bank abruptly closed my accounts without any notice. I have been an excellent cardmember for about XXXX XXXX now and never missed a payment and had a good history. I also have an almost excellent XXXX XXXX of XXXX. I am seeking an explanation on why my accounts were closed so I know if my rights as a cardholder have not been violated.
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

As of today, XX/XX/2023 Thursday, I am NOT allowed to log in to my account with Paypal at Paypal.com. I have used this service for XXXX years. It is currently active and within the last months have charged purchases through XXXX and others which are charged to my credit card. Today, XX/XX/2023 I tried to log in to my account using my email address of long standing to examine questionable transaction charged to my bank account. After I entered my email address ( which it uses as the account ID ) and before I entered my password, it sent a confirmation code to me email account which I received and successfully entered. I entered my password. THEN, it now demands that I give them my cell phone " Mobile '' number and will not log me in without it. This web page does NOT provide an option to skip it. I am stuck. They do NOT have a right to have this information. I do NOT want them to have it. They have NO valid justification to require it. They have NO need for it. This is a violation of privacy. And what if one does not have a cell phone number? Permanently locked out. FURTHER, the Paypal terms of service " Paypal User Agreement '' does NOT require the user to furnish their cell phone number. It says : " If you provide us your mobile phone number ... '' Note that is " IF '' which means it is OPTIONAL. So they are violating their own terms.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: John C. Heath, Attorney at Law, PLLC (IL)

XXXX of 2023 I sent XXXX to clean up credit never happen then company took XXXX buck I called to cancel service didn't happen so I changed banking info and wasn't reimbursed
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Keeping a record of timely payments on this account has been a priority for me, ensuring they are never overdue. I'm puzzled by the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (IL)

Received card XXXX called no help. Called XXXX when I received a letter saying I would get the card in 7 days. Called XXXX who gave me a different number to call. Representative said they would look into it but would not close the accounts
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX Balance : {$41000.00}.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P. (FL)

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (MD)

Logged into my WF online acct and was offered {$320.00} to open a checking acct. To receive the {$320.00} bonus you had make at least two {$500.00} direct deposits within a 90 day period which I did, payroll direct deposits were made on XXXX XXXX XXXX  after opening acct on XX/XX/XXXX with a {$25.00} deposit. Account to stay for 90 days and should receive {$320.00} bonus. After waiting more than 90 days and still no bonus I called customer service to receive update, was given investigation # INR XXXX on XX/XX/XXXX told would receive update in 10 business days via email. Received nothing, called again on XXXX, gave first complaint # which couldnt be located & no update was told that could only file another investigation. Given # INR XXXX on XXXX, its been 7 days and I still have no update. 
Received a call from XXXX, WF rep on XX/XX/XXXX. I returned his call on XX/XX/XXXX, I called again on XX/XX/XXXX. He returned my call on XX/XX/XXXX after he already closed my case. Not sure how you can properly investigate a case without speaking with the complaint. XXXX stated to me, the {$320.00} bonus was not given because I do not enter the promotional code. I stated to XXXX, the WF link do not provide a code nor was it listed in the instructions, it just prompted me to sign into my account. In fact I took a XXXX of the offer and it specifically states offer code will automatically be applied when completed through webpage as I did. I provided this XXXX to XXXX via email. XXXX stated he would take the new information to his supervisor and follow up with me, its been almost 2 weeks and I yet to hear from anyone.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc. (CT)

I respectfully ask for your cooperation in deleting the late payments that were noted from my account history. I cherish my good connection with the Creditors and pledge to make sure that future payments are made on time and with more consistency. 
NATIONSTAR/MR COOPER XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or NATIONSTAR/MR COOPER customer service representative . 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo has denied my claim after proving evidence of fraud from services that I no longer have access to, and I strongly disagree with the discussion. I purchased services from merchant 'XXXX XXXX XXXX ' and the service I paid for is no longer available to me. 'XXXX XXXX XXXX ' intentionally sabotaged customers by putting software on the services to intentionally fail customers so that they can keep paying for evaluations when in reality they were soliciting customers. The company has a lawsuit filed against them for fraud. I was paying for evaluations that have history and data on the dashboard on the website that I no longer have access to. I have submitted court documents to Wells Fargo proving that I did not receive the services that was paid for and that the services are no longer available. I purchased services from the merchant on XXXX XXXX  for {$470.00}, XX/XX/XXXX for {$470.00}, XX/XX/XXXX for {$470.00}, XX/XX/XXXX for {$470.00}, and XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) More than 180 languages available. 

I previously filed a claim with the customer protection bureau and was told to file another because they kept having to extend the case multiple times because Wells Fargo claim assistance center did not get back to them in time.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair credit reporting act these companies has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bankruptcy 15USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604A section 2,, it also states a consumer.reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (WA)

Money was not available when promised & Confusing or missing disclosure : PayPal & its International fund transfer partner " XXXX '' advertised that there is no transfer fee to transfer fund internationally. But what they did not say is that there is no fee to the sender/originated, but there is fee charged upon arrival at destination ( receiver ), which is misleading. And then, withholding the transferred fund for up to 21 days at PayPal ( XXXX ). 

PayPal XXXX XXXX stated that there is " NO transfer fee, '' but then PayPal ( XXXX ) slapped a transfer fee of XXXX XXXX  upon arrival. That is MISLEADING!!! PayPal and its partner " XXXX '' misled customers to believe that there is NO transfer fee at all, whether by sender or by receiver. But that is NOT what's happened!! PayPal XXXX XXXX did not inform that there is no fee to sender/fund originated, but THERE IS FEE to receiver/upon arrival at destination!!!! Besides, the $ XXXX sent to XXXX is NOT available for 21 days!!!! That is soooo ridiculous!! Even banks won't withhold funds that long. The whole idea of sending money by app like PayPal, Venmo, XXXX, XXXX, etc ... .. is the advantage of " Speed '' and convinience that is supposed to be faster than the regular commercial banks!!! What good is it to use PayPal if fund is not available for 21 days?!?!!!! Will NOT use PayPal to send money ever again!!!!! And will tell other people not to use it either. Absolute BOGUS!!!! Because : 1.- PayPal & XXXX charged the highest transfer fee. 
2.- PayPal & XXXX advertised & misled customers into believing that there is " no fee '' in transferring money with them, when in fact, there is. upon arrival/at destination. 
3.- PayPal ( XXXX ) withholds the fund the longest in the history of money transfer by any app existed!!! PayPal ( US ) stated that the fund will be available by XX/XX/2024, but PayPal ( XXXX ) said, the fund will be available after 21 days.
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

In XXXX, XXXX, and XX/XX/2023 I requested that all invalid information such as incorrect name and address be erased. As of today, they have not done it, The names aren't mine and the address is inaccurate.