davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc. (TX)

Received text message regarding a debt I am unfamiliar with under incorrect name on XXXX @ XXXX XXXX. I responded I do not have a debt with said company and asked to not contact me again. I was contacted again XXXX @ XXXX XXXX. I am not sure if this is a phishing scam. The text messages have different reference codes and I have not ever heard of them. Does not state what amount they think is owed. I responded if they continue to contact me via text message they could receive a fine for harassment. I received a letter from same company and sent back it was not my debt, incorrect information as my name is not correct. Also have received messages from XXXX XXXX  XXXX XXXX  that I have sensitive data on the dark web.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo denied my HAMP modification. I have already filed this complaint twice each time I have received a response back from Wells Fargo does not make sense, is incorrect and inconsistent. The last response I received basically said that they denied me because I was in bankruptcy. According to the guidelines for Hamp, being in bankruptcy does not disqualify you from being approved for the modification. 
Wells Fargo is doing the exact same thing they did to me in the past. They did everything they possibly can to deny me of a modification. And today they are doing everything they can to keep from paying me from the class action lawsuit..
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-14
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. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} ; XXXX XXXX XXXX XXXX  : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX$3700.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX  : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$73.00} ; XXXX XXXX XXXX Balance XXXX  : {$2900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX Balance XXXX XXXX  {$440.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00}.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-12-20
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX I scheduled a payment of {$3100.00} for XX/XX/XXXX to pay my Citicard balance in full and received an automatic confirmation from Citi. On XX/XX/XXXX I received a notice from Citi that I had overpaid what I owed and that they were reducing the amount to be deducted from my checking account from {$3100.00} to {$1100.00}. On XX/XX/XXXX, my checking account showed XXXX withdrawals by Citi Bank for BOTH {$3100.00} AND {$1100.00}. I called Citi Bank and ( AFTER XXXX MINUTES WORKING MY WAY THROUGH THE CALL PROCESS ) I finally got a live representative. The representative tried to blame me for making XXXX payments. Then after reviewing the messages I got from Citi Bank, the rep finally acknowledged there was a problem on Citi Bank 's part. The representative had no explanation for what happened. Instead, processed a (? request, complaint? ) # XXXX. He said that once the complaint is processed, refund would take XXXX to XXXX business days. So I asked, " you mean XXXX or XXXX weeks or more? '' And he said yes. Citi Bank grabs {$1100.00} from my account that they are not entitled to, and which I did not authorize, and is going to wait weeks to refund my money. THIS WAS NOT MY FAULT AND CITI IS STILL HANGING ON TO MONEY THEY ARE NOT ENTITLED TO. THIS IS THEFT. Plain old theft. I WANT THE {$1100.00} REFUNDED IMMEDIATELY. I should not have to wait while they drag their feet figuring out what they did wrong.
Consumer complaint received 2023-02-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (IL)

Experian continues to report negative information longer than 7 years for XXXX XXXX XXXX. XXXX XXXX XXXX have been reporting derogatory information longer than 7 years which goes against FCRA rules. Any derogatory information should be removed after 7 years. Experian is reporting negative information longer than 7 years. Reporting late payment since XX/XX/2016 and refuse to remove negative trade line.
Consumer complaint received 2023-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NY)

On XX/XX/XXXX, I received an email from the U.S. Department of Education stating that I had missed a payment on my student loans. I logged on to Mohela on XX/XX/XXXX, and noted that I had an overdue balance of {$410.00}. However, I confirmed that my monthly auto-debit was active, and that I had received an auto-debit withdrawal confirmation from Mohela on XX/XX/XXXX. However, no payment was ever withdrawn from my bank account in XXXX. I attempted to call Mohela on XX/XX/XXXX, but could not get through to a representative. I also tried calling on XX/XX/XXXX and XX/XX/XXXX, but could not get through to a representative. I manually entered my payment for {$410.00} on XX/XX/XXXX and on XX/XX/XXXX, my payment of {$410.00} was posted on the Mohela website. My auto-debit of {$420.00}, which I had confirmed was active in XXXX, was withdrawn automatically by Mohela on XX/XX/XXXX. 

On XX/XX/XXXX, I logged on to Mohela and noted that my student loans were listed as being in forbearance. However, I never received any notification that my loans were going into forbearance. Additionally, my auto-debit of {$420.00} was never withdrawn for XXXX. My next auto-debit is listed as being planned for XX/XX/XXXX. I have not received any information or communication from Mohela regarding why my auto-debits are not being withdrawn monthly, particularly as it shows as being set up monthly on my account, nor any information about why my account is in forbearance. I attempted to call Mohela XX/XX/XXXX and again, could not get through to a representative.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (TX)

I just received a notification that a new American Express account was added to my credit reports. Not only have I've been previously trying to get American Express to remove an authorized user account from my reports, now they added another authorized user account without my knowledge or consent. I don't even know where the card is being sent.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On Monday XX/XX/, I discovered that someone robbed my debit card information and stole {$470.00} leaving my checking account in the negatives. It occurred in six separate charges from the XXXX XXXX XXXX ( XXXX XXXX ) app. Whenever I order from them, my order always remains under {$10.00} so there is no way that it could've been me. I immediately called my bank, Citizens, and notified them of the fraudulent charges. The bank opened up an investigation and confirmed that the money would be returned once the investigation was completed. I'm writing this on the afternoon of XX/XX/, approximately 9 business days later and I still don't have my money back or an official update from the bank. I called the bank today for an update, and the employee confirmed that the investigation was completed and that they denied my request -- essentially saying that they won't be returning the money that was stolen. I had to open another claim today and now it seems like we're doing this from the beginning all over again. I feel like I'm being penalized for having my money stolen and it feels even heavier now that we're officially in the holiday season when money is tight. 

In addition to NOT returning my money, the bank also denied to provide me with a notarized/official letter which I need to file an official police report ( I was turned away at the precinct ). I went to the Citizens bank located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX where the manager made me wait about 30 minutes to tell me that they won't be able to help me with that. They made me feel bad for even asking for a letter when we all know very well that other banks would've provided the letter without a hassle. 

I feel particularly vulnerable and helpless right now. Every where I've gone I've been met with disappointing " no '' after " no. '' I would appreciate any assistance with this. It doesn't feel right that I have to suffer the consequences of all that money being stolen. 

Thank you and XXXX XXXX. 

XXXX
Consumer complaint received 2023-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NH)

I receive XXXX calls a day from comenity bank just about everyday of the week. Yesterday, XX/XX/year> they called 6 times in XXXX day. 

They call with their number showing and then will follow up with calls that show at no caller id.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (NJ)

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX XXXX Social Security : XXXX American Express General council office , center for cardmember and merchant litigation Mail code number : XXXX XXXX XXXX XXXX. XXXX Ave. XXXX XXXX Plantation Florida XXXX Subject : Request for Rescinding Signature, Access to Applications, and Card Reopening Dear American Express, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to express my concerns regarding my credit card applications and their associated information held by your company. 

As a holder in due course, I am invoking my right to rescind my signature on applications containing my non-public personal information, including my Social Security number. Given my decision to no longer engage in business with your company, I am uncomfortable leaving such sensitive information in your possession. 

During a conversation with your agent on XX/XX/2024, identified as XXXX XXXX XXXX, I was informed that American Express does not have an obligation to provide me with the authoritative copies of the XXXX credit card applications in your possession. I believe this denial infringes upon the Uniform Commercial Code ( UCC ) and contract law. 

In light of this situation, if it is not feasible to provide the authoritative copies of the applications, I request an alternative resolution. Specifically, I propose that you reopen all of my cards and place them in an opened-end status with no preset limit, accompanied by an automatic monthly discharge. 

I believe that this solution would address my concerns while still aligning with the legal and contractual obligations involved. I appreciate your prompt attention to this matter and your cooperation in finding an amicable resolution. 

Thank you for your understanding. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

I recently had to dispute multiple charges on my debit card after it was stolen from a restaurant. PayPal not only denied and refused to raise these claims, they actually completely closed out my account and locked away over {$1200.00} in funds. I have had a PayPal account for many years and have had it reviewed in the past with no issues, the problem is they are saying the account is closed indefinitely, and that all of my funds are going to be held for 180 days. I am a small-small business that is just me, myself, and I. I need this money released to be able to purchase items for the customers orders. Customers are not going to wait 180 days to be able to get their orders fulfilled ( what PayPal is telling me it is going to take 180 days ).
Consumer complaint received 2022-02-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

I hereby ask you to protect American customers and consumers from this fraud-like Organization ( Moneygram ). It is an online money-transferring business. I have submitted the transaction on the XXXX of XXXX in the amount of XXXX XXXX It is quick and small help intended for my XXXX. Although the transaction supposedly takes XXXX days, I have proceeded with the transaction. 
But today is the XXXX of XXXX, and it has been XXXX days since I made the transaction. I have received an email on the XXXX saying that the transaction had been approved after XXXX days, and my mother came and tried to pick it up. However, the teller informed my mother that MoneyGram hadn't released the transaction. It is still pending at the Moneygram system. 
I have filed a complaint on the XXXX around XXXX am, I have never heard back a response. I've contacted Moneygram the following day, on the XXXX of XXXX, and customer service threatened to cancel my transaction without a service fee refund, or I have to wait XXXX more days to solve it. I have no problem canceling the entire transaction. However, I have no desire to pay a fee for these unprofessional scammers. 
I hope CFPB looks into it to protect individuals from the inadequate organization with false promises, terms & conditions, and irresponsible threatening behavior towards consumers & customers.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

Deposited a check on XX/XX/XXXX for {XXXX they told us they would have a hold till XX/XX/XXXX On XX/XX/XXXX we were told account was now restricted and he would need a number in his name to verify. We went and got a phone from XXXX XXXXXXXX in his name. 
Everyday have called they have stated the phone isn't showing in the system under his name and on XX/XX/XXXX they will close my account and hold funds in suspense until they get another number to contact him in his name. 
On XX/XX/XXXX we were told by a customer service supervisor to go to branch a fill out a hold harmless letter. The branch refused to do so. 


XX/XX/XXXX spoke with XXXX transferred to specialist XXXX specialist stated the funds would be available to use on XX/XX/XXXX XX/XX/XXXX spoke with XXXX said account needs a specialist and gave me the number XXXX option XXXX spoke with XXXX she stated account is restricted she stated they could hold funds for 2 years Spoke with XXXX he said to call back everyday that the account will be deleted the XXXX and if and when they can verify XXXX with a phone number they will mail me a cashier check for the XXXX XX/XX/XXXX spoke with afa she tried to see if his phone was registered yet still showing someone else name.
Consumer complaint received 2023-09-14
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt.

Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.

15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating XXXX is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payments may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.