davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I opened my business bank account with Wells Fargo under the name XXXX XXXXXXXX XXXX  and described it as a XXXX  company. A XXXX is for XXXX XXXX, and other professionals to use as a limited liability company. 

On XX/XX/24, I attempted to deposit a check at a Wells Fargo atm. The check was made out to XXXX XXXX XXXX XXXX. Two days later I found out that wells fargo had refused to deposit the check and removed {$12.00} from my account. 

I did not consent to the {$12.00} being removed from my account. I consider this to be theft. They have access to my money in their bank, and they removed {$12.00} without my permission. 

There is no excuse for them refusing to deposit this check, and taking money out of my account without my consent. I called 3 times asking them why the check was not deposited, and demanding they put the {$12.00} back in the account. The last time I called I spoke to XXXX ( Employee ID XXXX ). I demanded they return the {$12.00} since it was removed without my consent. 

XXXX XXXX
Consumer complaint received 2022-11-21
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: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEM,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CONTINUE TO VIOLATE MY RIGHTS AND VIOLATE THE LAW 15 U.S.C 1681 et seq.  BY FURNISHING DATA  AND  ACCOUNTS ON MY CREDIT REPORT WITH OUT PERMISSIBLE PURPOSE OR WRITTEN INSTRUCTIONS OR GRANTED CONSENT. THEY HAVE NOT PRESENTED PROOF  OF PERMISSIBLE PURPOSE OR WRITTEN INSTRUCTIONS OR GRANTED CONSENT OR HAVE MADE ANY ATTEMPS TO DO SO. MY IDENTITY HAVE BEEN MISUSESED, WRONGFULLY OBTAINED, AND UNLAWFULLY FURNISHED BY THESE COMPANIES FOR FINANCIAL AND ECONOMIC GAIN. I HAVE MADE SEVERAL ATTEMPS ASKING THEM TO DELETE THESE ACCOUNTS BUT NOTHING HAS BEEN DONE.
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (CA)

I am writing this letter to express my deep dissatisfaction and concern regarding the lending practices of Net Credit. I believe I have been subjected to predatory lending tactics, and despite reaching a settlement with Net Credit in XXXX, my payments have not been acknowledged properly. Additionally, I have been coerced into another agreement that I did not sign, further exacerbating my financial situation. 

Firstly, I must emphasize that I was involved in a settlement with Net Credit, that XXXX XXXX XXXX had made while working on my behalf ( please find settlement agreement attached ) Net credit agreed to a settlement in the sum of {$2300.00}. Of that settlement {$2300.00} has been paid to NetCredit which is not reflected on the balance shown on my credit report. The actual balance owed is {$26.00} ( please find proof of payments attached ) I lost the settlement in XXXX during the pandemic when a draft did not get processed while I was living in XXXX due to the pandemic. On my return I was informed the settlement was lost for the {$26.00} I owed. I did attempt to call Net Credit to reinstate the agreement to pay the balance of {$26.00}, but they coerced me into another agreement of {$2400.00} that I did not sign nor wanted to do, I hung up the phone due to the aggressive tactics. And yet they still did not acknowledge I had already paid {$2300.00} and will send the balance of {$26.00} to close this, saying that doesn't count anymore. 

Despite providing clear evidence of my payments, I have not received any acknowledgment or adjustment in my account, leading me to believe that Net Credit is purposefully neglecting to update my records accurately to hurt my credit and accuse more money out of me than agreed in XXXX. This not only creates undue stress and uncertainty for me but also calls into question the ethical practices of Net Credit. 

I demand the following actions from all credit reporting agencies : 1.A thorough investigation into my account to rectify the discrepancies in my payment records and provide an accurate account statement reflecting the payments I have made. 
2. The removal of Net Credit on my Credit report with your agency An immediate termination of the unauthorized agreement that was forced upon me, along with the removal of any associated fees or penalties. 
3. An assurance from Net Credit that no further unauthorized actions will be taken regarding my account, and that any changes or agreements will be made with my explicit and informed consent Lastly I will pay the {$26.00} which was the balance due on the settlement I agreed to on XX/XX/XXXX I expect the removal of Net Credit on my Credit report 30 days from the date of this letter. If my concerns are not adequately addressed, I will have no choice but to escalate this matter to relevant consumer protection authorities and seek legal counsel to protect my rights as a borrower. 

Sincerely, XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2023-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

I have attempted to reach AES regarding loan name change. I feel like I'm being forced to submit documents of an updated name changes as if I had legally changed my name in the past. AES continues to request for me to provide my social security, Driver Licenses or etc. I am refusing to do so because that it's an admission that at some point I did go by that name XXXX or XXXX . I have not. I feel as though my rights continue to be violated because they accepted a predatory loan from XXXX XXXX. AES has yet to provide me any documentation where I provided XXXX XXXX with a legal name change. The only documentation I have been given is a promissory note that indicates XXXX . XXXX or XXXX was never my legal name from XXXX XXXX XXXX . As I've stated before it is the legal duty for the lender to ensure that proper documentation is given regarding the correct name. I believed I have been misinformed to obtain pricier repayment terms and misleading me about federal loan forgiveness programs. However, I can not participate in loan forgiveness program because my name does not match. Nor, can I create a online account because my name does not match. The lenders had a legal and ethical obligation to disclose all information about a loan to me and informed me that having a unauthorize last name on my account will prevent me from being able to participate in some forgiveness program and inability to access my account. I find that the lender and AES was reluctant to provide me with a full loan disclosure, consider that I sign with my legal name only birth name. AES then used unscrupulous methods against me with hard credit check and false reporting me to credit bureaus, although I was making on time payments and was never late. Their actions were abusive. If it was not for a worker ( Supervisor XXXX ) stating it was not the US Postal Services that provided AES with the fake address, but XXXX ( skip traces credit system ) Never heard of this credit company until XXXX. This information was revealed on XXXX XXXX disclosing the measure they used against me after numerous calls, I would have believed that I was a victim of identity thief. I even took off work and was ready to make a police report until this action was revealed. What was even more alarming was AES alter my account without my knowledge before they even received returned mailed and did not inform me, they were altering my account without my permission or knowledge. AES did the updating independently because they wanted to do so. After, numerous cascading letters and emails only to update my address back to what it was. No American should experience such aggressive, abusive, tactics and not understand the full score why such retaliatory actions being taking place against them. Now I have to fight to restore my credit after the hard credit reporting.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (FL)

HERE IS PROOF OF CLEAR AND READIBLE DOCUMENTS THAT XXXX XXXXXXXX XXXX XXXX AND XXXX CONTINUES TO UNLAWFULLY DISCARD. 
I HAVE SENXXXX XXXX XXXX  MULTIPLE REQUESTS FOR PROOF OF AUTHORIZATION OR WRITTEN INSTRUCTIONS ALONG WITH PROOF OF AGREEMENT WITH MY SIGNATURE AND I HABE NOT RECIEVED ANY COMMUNICATION BACK FROM XXXX XXXX XXXX XXXX XXXX XXXX SHOWING PROOF OF AUTHORIZATION AND WRITTEN INSTRUCTION OR MY SIGNATURE PROOFING AUTHORIZED TO OPEN THIS FRAUDULENT ACCOUNT WHICH I HAVE SENT DOCUMENTS ( SEE ATTACHED ) POLICE REPORT AND FTC REPORT BEFORE REQUESTING REMOVAL OF THIS FRAUDULENT DOCUMENT THESE COMPANYS HAVE ONLY REMOVED SOME BUT NOT ALL WHICH WAS REQUESTED IF ITEMS WAS NOT REMOVED THEN I SHOULD HAVE RECIEVED A DOCUMENT WITH PROOF OF AUTHORIZATION OR PROOF OF WRITTEN INSTRUCTIONS TO PROVE WHY THESE OTHER ITEMS WAS NOT REMOVED. SO ONCE AGAIN THIS IS PROOF OF COMMUNICATION AND CLEAR AND READBLE DOCUMENTS SENT TO XXXX XXXX  WITH ALL REQUIRED DOCUMENTS TO ONCE AGAIN INVESTIGATE AND TO PROVE AND SEND ME WRITTEN OR AUTHORIZATION WITH MY SIGNATURE OR THE PROOF OF AGREEMENT PROVING I AM THE ONE WHO OPENED THIS ACCOUNT AND SEND ME PROOF IMMEDIATELY IF YOU CAN NOT REMOVE THIS FRAUDULENT ACCOUNT THEN ONCE AGAIN SEND ME PROOF OF AUTHORIZATION IF NOT REMOVE AND DELETE FRAUDULENT ACCOUNT FROM XXXX XXXX XXXX XXXX XXXX FILES IMMEDIATELY IF NOT YOU WILL BE ACTING IN WILLFUL NON COMPLIANCE, YOU WILL BE VIOLATING MY RIGHTS, AND MOST OF ALL DEFAMATION OF CHARACTER AND DAMAGING OF MY CREDIT REPORT AND MY LIVELIHOOD SO PLEASE DO WHAT IS LAWFUL AND FAIR AND EQUITIBLE TO ME AS A CONSUMER ( POLICE REPORT AND FTC REPORT ATTACHED ) PROOF OF READBLE AND ALL REQUIRED DOCS FOR REQUESTING FRAUDULENT ACCOUNT BE INVESTIGATED AND REMOVED.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (WA)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and XXXX, and I am pleading with you to remove them immediately.
Consumer complaint received 2016-06-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar 's counsel, XXXX XXXX XXXX, the attached correspondence serves as my objection to Nationstar 's Rescission of Acceleration of Maturity Indebtedness that was dated XXXX XXXX, 2016.
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (TX)

This company that I dont know or have any dealings with have called me and also emailed me over XXXX times and it started since XX/XX/2022. And I have asked them to cease and desist and they have stressed me out to the point my hair is falling out! They have emailed me over and over!! I have all of the emails times ( halsted financial services )!! They are hassling me and I dont know or have any thing with them!!! And they have also put things on my credit report and I need it deleted and for them to cease and desist from contacting me by all means!! And also voicemails!!!!
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2024, I received a text message that looked like it was from my bank saying someone tried to purchase something in XXXX from a game stop. They asked me if it was me and I responded no. Shortly after I got a call from XXXXclaimworker facetime audio. The individual on the other end said she was with citizens  and someone was trying to get money from me in the amount of XXXX and XXXX. The person who identified herself has XXXX and provided an ID number said in order stop the people trying to transfer money out of my account we had to do the same transaction to get it back. I was hesitate and multiple times said this sounds like a scam. Unfortunately she was able to talk me into it. The first transaction I was told to go to XXXX on my citizens bank mobile XXXX I had never used XXXX before but the person directed how to get there and walked me through what I had to do. I unfortunately did it and was told to send the money to claim worker XXXX XXXX. The individual then walked me through another one through XXXX XXXX. When the call was complete she said I would get a phone call tomorrow to confirm everything worked out and we hung up. When we hung up I immediately called Citizens Bank asking if this is something they would do and they said no. They immediately opened up a claim with Citizens and I was told with XXXX as well. I was able to stop the XXXX XXXX payment so I did not lose the XXXX dollars but not XXXX. I was advised to close my accounts and open new ones which I did the very next day. When I was at the Citizens Bank XXXX they advised that I would get the money back. I recently got a letter that I am not getting the money back because I authorized the money being sent via XXXX. I don't disagree but I was being scammed. I called to escalate and was told the decision was final. I was not told if they spoke to XXXX or anything. I have been with this bank for over XXXX  years and never had this happen. I am not sure they did a full investigation as they never took down the name XXXX XXXX and i have no confirmation they talked to XXXX as well. This is a tremendous learning experience for me but also a big hardship as the money was for something.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (ME)

I was scammed on XX/XX/24. I XXXX  a XXXX phone number and called it to report a hack. They charged {$200.00} to XXXX and 2 {$200.00} to XXXX. I also lost {$210.00} thru PayPal on my debit card. PayPal denied my dispute. My bank is working on my credit card charges. I reported to police, changed all accounts information and banking information. These were all gift cards. PayPal wont let me appeal it.
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CT)

On XX/XX/2024 I sent out a debt verification letter to LVNV FUNDING LLC. I requested verification of the debt and the sent me back a credit card bill. They did not send me the information I was requesting. I would like these accounts deleted immediately from my credit report. They are reporting false information.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TN)

Subject : US Bank is discriminating against XXXX  Veteran and those on Social Security 1. Dates/days : Cycle Close date XX/XX/2023 Statement Date XX/XX/2023 ( should be ) Date of my complaint : XX/XX/2023 Cycle days : 30-45 days ( month and a half payment on top of regular payments ) 2. My opinion : After having a good relationship with US Bank, I believe the transition or the partnership with another bank ( Union bank ) the new people they see the activity on my account meant to offend other banks are offending the people from Union Bank, not U. S. Bank.

3. My problem with other banks is they will let the smaller transactions go through, especially over the weekend, and then push the bigger transaction right behind them.

4. The discrimination part Is against those who get social security or who are no longer working. Who gets paid on the third Wednesday of the month and not the XXXX. Is preyed on by banks who wants these fees. The third Wednesday of the month does not always fall on the XXXX. It can. Vary from the XXXX to. The XXXX is only good for banks. When youre more concerned with the working class those who are thrown on the bus are those who receive XXXX in the disenfranchised.
Consumer complaint received 2017-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently pulled my credit report to search for inaccuracies. After searching and finding inaccurate information, I contacted Transunion and spoke to a XXXX REP about my concerns. He stated that the inquiries were deleted and that I will receive an email with my results. I also received a confirmation number. I checked my credit report days later to see those inquiries added back to my credit report which is a violation, because I was n't notified prior to them being added back on. I contacted Transunion and asked that they removed the inquiries that were illegally added back on. These inquiries are adding a hardship to my credit report and my rights were violated. I ask that you make Transunion stop victimizing me.
Consumer complaint received 2024-04-25
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 (NY)

Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I believe this limitation is a result of a misunderstanding, as I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

Maintaining a positive and trustworthy relationship with PayPal is important to me, as I have been a dedicated user for an extended period. I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

Thank you for your consideration. I look forward to your prompt response and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (TX)

I purchased a XXXX XXXXXXXX XXXX XXXX using my Chase Freedom credit card in XX/XX/XXXX. In XX/XX/XXXX, I noticed an issue with the display and contacted the manufacturer for diagnosis. After some troubleshooting, the manufacturer informed me that the issue could not be covered as it was out of the warranty period. 

I raised a claim with Chase card benefit services and provided a detailed list of documents including the warranty document, invoices, credit card statements, and repair invoice from an authorized service center. After several days of back-and-forth where I submitted all the requested information, they closed the claim saying that the issue was not covered under the manufacturers warranty. 

I followed up with documentation from the manufacturer showing that it was indeed covered under warranty. However, I received a generic response from Chase saying that they would get back to me in 7 days. They did not reach back and when I tried to contact them again, they ignored me.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ASSOCIATED BANC-CORP (MI)

My account was frozen by Associated bank because I was trying to send a payment on XX/XX/2023. I called their fraud department customer service on the same day to verify all the details. But that rep just closed my account without my consent after I VERIFIED everything with her.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Charges high interest rates on cash advances. Capital One also punishes clients who pay off the balance to avoid high interest rates. This is unethical and in violation of the general tone of federal guidelines. The holds are governed without checks and balances for clients. The company have a policy to call the bank the payment was issued to avoid holds but their syst will still block the payment even after that step is taken. The hold is to verify funds so to have an internal system that can not changed even after the alleged reason of holding the payment is solved ( by calling the bank solves the issue ) is unethical.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC (MN)

I was offered a settlement agreement with Best Egg. And that is to pay them XXXX in 24 months 23 payments of XXXX a month and final payment of XXXX. That equals XXXX. Now best egg is saying I have a past due amount, and that is showing my last 15 payments to be late, and now my credit is junk. I have an email from Best Egg explaining are agreement. All my payments have been on time from date on agreement XX/XX/XXXX to my last payment date of XX/XX/XXXX. Also they have the wrong balance due amount and the length of agreement it is 24 months not 36 months
Consumer complaint received 2021-01-12
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (MI)

Sent letters to dispute the validity of the XXXX negative account being reported to the credit bureaus on XXXX, XXXX and XXXX. I have not recieved a response from XXXX regarding the dispute letters, which confirms that you did not investigate my dispute. I also have obtained a recent copy of my credit report that proves your failure to report the account as disputed which further proves you did not investigate my dispute.